Ann Apers
ActiveSummary
Ann Apers has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119k and a net result of €49k. Equity is growing by ~66.2% per year across the filed fiscal years. Its solvency ranks better than 94% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 11.13 against 25.56 in 2024; short-term debt: 5.7% and cash: 58.6% of total assets), and 5.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
94.2%
Return on assets
38.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-03-2026, 123 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
123 d early
2024
8 d early
2023
41 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€119k▲ 70.1%
2024 · €70k
2023: €26k
2024: €70k
2023 → 2025
Total assets
€126k▲ 74.1%
2024 · €72k
2023: €32k
2024: €72k
2023 → 2025
Net result
€49k▲ 8.2%
2024 · €45k
2023: €26k
2024: €45k
2023 → 2025
Working capital
€73k▲ 15.2%
2024 · €63k
2023: €26k
2024: €63k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€26k-€70k▲ 166%€119k▲ 70.1%
Operating result€35k-€56k▲ 59.0%€64k▲ 13.5%
Net result€26k-€45k▲ 74.3%€49k▲ 8.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €126k
Fixed assets
€46k ▲ 618%
Current assets
€80k ▲ 21.6%
Equity and liabilities €126k
Equity
€119k ▲ 70.1%
Debt
€7k ▲ 182%
Debt's share of the balance-sheet total rises from 3.6% to 5.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€68k▲
2024 · €57k
Cash flow
€53k▲
2024 · €45k
Current ratio
11.13▼
2024 · 25.56
Debt to equity
0.06▲
2024 · 0.04
ROE
41.2%▼
2024 · 64.8%
ROA
38.8%▼
2024 · 62.4%
Interest coverage
1416.63▼
2024 · 2376.29
Debt ≤ 1 year
€7k▲
2024 · €3k
Income taxes
€15k▲
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€72k€126k▲
Fixed assets21/28€6k€46k▲
Tangible fixed assets22/27€6k€46k▲
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24-€41k
Current assets29/58€66k€80k▲
Amounts receivable within one year40/41€3k€2k▼
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€63k€74k▲
Deferred charges and accrued income490/1€474€4k▲
Equity and liabilities
Total equity and liabilities10/49€72k€126k▲
Equity10/15€70k€119k▲
Contributions10/11€2k€2k=
Reserves13€24k€49k▲
Distributable reserves133€24k€49k▲
Profit (loss) carried forward14€43k€67k▲
Amounts payable17/49€3k€7k▲
Amounts payable within one year42/48€3k€7k▲
Trade debts44€915-
Suppliers440/4€915-
Taxes, remuneration and social security45-€7k
Taxes450/3-€7k
Other amounts payable47/48€2k€628▼
Accrued charges and deferred income492/3-€78
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78€4k▲
Other operating charges640/8€387€459▲
Gross operating margin9900€57k€68k▲
Operating profit (loss)9901€56k€64k▲
Financial income75/76B€165€310▲
Recurring financial income75€165€310▲
Financial charges65/66B€24€48▲
Recurring financial charges65€24€48▲
Profit (loss) for the period before taxes9903€57k€64k▲
Income taxes67/77€11k€15k▲
Profit (loss) for the period9904€45k€49k▲
Profit (loss) for the period to be appropriated9905€45k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€92k▲
Profit (loss) brought forward from the previous period14P-€43k
Transfer to equity691/2-€25k
To other reserves6921-€25k
Profit to be distributed694/7€2k-
Return on contributions (dividend)694€2k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €49k ▲8.2%
Operating result €64k, net result €49k, both a record.
31-12
Financial
Equity above €100kEq €119k ▲70.1%
3 profitable years in a row build equity to €119k.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 25.56
Current ratio from 5.80 to 25.56; short-term debt falls from €5k to €3k.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Etterbeek · 1 establishment unit since 2023
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Boerenstraat 171040 EtterbeekGround area
255 m²
Building footprint
172 m²
Volume, LiDAR
2,264 m³
2 parcels, Brussels · tallest building 18.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Ann Apers
since 20232.345.024.983
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21364B0154/00F003 | Brussels | 137 m² | 1 · 69 m² | 16.0 m · 4 fl. |
| 21363B0482/00Z009 | Brussels | 119 m² | 1 · 103 m² | 18.5 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,562 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2023
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.