Andi Financial Care
ActiveAndi Financial Care has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €19k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 68% of 7027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▲+23
Growth85=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.49 against 1.75 in 2024; short-term debt: 27% and cash: 1.3% of total assets), and 27% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
73%
Return on assets
36.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
3 d early
2023
15 d early
2022
55 d late
2021
121 d late
2020
102 d late
2019
31 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€49k▲ 144%
2023 · €20k
2023: €20k
2023 → 2024
EBIT margin
62.9%▲ 27.7pp
2023 · 35.2%
2023: 35.2%
2023 → 2024
Net result
€19k▼ 37.6%
2024 · €31k
2018: €-4k
2019: €2k
2020: €3k
2021: €-7k
2022: €-6k
2023: €7k
2024: €31k
2018 → 2025
Working capital
€35k▲ 145%
2024 · €14k
2018: €-1k
2019: €2k
2020: €7k
2021: €360
2022: €-25k
2023: €-17k
2024: €14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€20k€49k▲ 144%
Equity€8k-€-19k€-12k▲ 37.1%€19k€38k▲ 101%
Operating result€-8k-€-6k▲ 24.7%€7k€31k▲ 337%€18k▼ 40.1%
Net result€-7k-€-6k▲ 18.8%€7k€31k▲ 342%€19k▼ 37.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€3k▼ 35.3%
Current assets
€49k▲ 47.1%
Equity and liabilities €52k
Equity
€38k▲ 101%
Debt
€14k▼ 26.2%
The debt ratio falls from 50.2% to 27.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▼
2024 · €32k
Cash flow
€21k▼
2024 · €32k
Solvency
73.0%▲
2024 · 49.8%
Current ratio
3.49▲
2024 · 1.75
Quick ratio
3.49▲
2024 · 1.75
Debt / equity
0.37▼
2024 · 1.01
ROE
50.3%▼
2024 · 162.2%
ROA
36.7%▼
2024 · 80.7%
Interest coverage
669.85▲
2024 · 657.40
Debt
€14k▼
2024 · €19k
Debt ≤ 1 year
€14k▼
2024 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€38k€52k▲
Fixed assets21/28€5k€3k▼
Intangible fixed assets21€4k€2k▼
Tangible fixed assets22/27€955€546▼
Furniture and vehicles24€955€546▼
Current assets29/58€34k€49k▲
Amounts receivable within one year40/41€26k€49k▲
Trade receivables40€20k€27k▲
Other amounts receivable41€5k€22k▲
Cash at bank and in hand54/58€8k€673▼
Equity and liabilities
Total equity and liabilities10/49€38k€52k▲
Equity10/15€19k€38k▲
Reserves13€259k€259k=
Distributable reserves133€259k€259k=
Profit (loss) carried forward14€-240k€-220k▲
Amounts payable17/49€19k€14k▼
Amounts payable within one year42/48€19k€14k▼
Trade debts44€17k€12k▼
Suppliers440/4€17k€12k▼
Taxes, remuneration and social security45€904€489▼
Taxes450/3€904€489▼
Other amounts payable47/48€1k€2k▲
Income statement
Code20242025
Turnover70€49k-
Goods, raw materials, services and sundry goods60/61€12k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k-
Other operating charges640/8€1k€5k▲
Gross operating margin9900€37k€25k▼
Operating profit (loss)9901€31k€18k▼
Financial income75/76B€159€783▲
Recurring financial income75€159€783▲
Financial charges65/66B€178€30▼
Recurring financial charges65€49€30▼
Non-recurring financial charges66B€129-
Profit (loss) for the period before taxes9903€31k€19k▼
Profit (loss) for the period9904€31k€19k▼
Profit (loss) for the period to be appropriated9905€31k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-240k€-220k▲
Profit (loss) brought forward from the previous period14P€-270k€-240k▲
The notes to these accounts (6 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
06-08
State Gazette act
General meeting · Name change
Registered-office move · Purpose change
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €31k ▲342%
Operating result €31k, net result €31k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.75
Current ratio from 0.52 to 1.75; short-term debt falls from €35k to €19k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
24-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 55 days late
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 121 days late
2021
31-12
Financial
Weakest financial yearnet €-7k ▼315%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
10-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 102 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.13
Current ratio from 0.41 to 1.13.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Vilvoorde · 1 establishment unit since 1985
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.
Witherenstraat 391800 VilvoordeGround area
1,965 m²
Building footprint
427 m²
Volume, LiDAR
6,413 m³
Parcel 23642D0612/00V003, Flanders · tallest building 18.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
CHARTERING EN TRUCKING COMPANY
since 19852.026.301.888
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23642D0612/00V003 | Flanders | 1,965 m² | 1 · 427 m² | 18.3 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 partyAndi Financial CareBE 0426.756.844
controls
Where this company holds controlthis company sits on their board1
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 5,343 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-1985
Fiscal year end31-12
Abbreviation NL
AFC
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.