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A&A

Active
Private limited companyfounded 20206 yrs activeThier 6, 4890 Thimister-Clermont, BelgiumKBO/BCE: BE 0743.436.704
Summary

A&A has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.4m and a net result of €883,788. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 3221 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability92▲+42
Solvency98▲+9
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €280,000 at 30 days acceptable
Liquidity ample (current ratio 3.46 against 1.28 in 2024; short-term debt: 13% and cash: 5.1% of total assets), and 27.4% of the assets are financed with debt.
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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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 6 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
72.6%
Return on assets
18.7%
Age of the figures
12 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
on the day
2024
34 d early
2023
2 d late
2022
38 d early
2021
52 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 24 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 7 February 2020, A&A was incorporated as a Private limited company.1 Total assets went from EUR 1.5 million in 2021 to EUR 4.7 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2021 and 2025

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Financials · fiscal year 2025, full schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€883,788▲ 795%
2024 · €98,802
Working capital
€1.5m▲ 1,200%
2024 · €116,050
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€223,677-€309,937▲ 38.6%€177,435▼ 42.8%€128,364▼ 27.7%€1.2m▲ 818%
Net result€651,810-€225,297▼ 65.4%€134,223▼ 40.4%€98,802▼ 26.4%€883,788▲ 795%
Equity€851,810-€1.1m▲ 26.4%€1.2m▲ 12.5%€1.3m▲ 8.2%€3.4m▲ 162%
Total assets€1.5m-€1.6m▲ 8.8%€1.7m▲ 3.7%€2.0m▲ 22.3%€4.7m▲ 131%
Debt€627,915-€533,210▼ 15.1%€458,502▼ 14.0%€731,339▲ 59.5%€1.1m▲ 51.1%
Working capital-€7,917-€9,968€81,676▲ 719%€116,050▲ 42.1%€1.5m▲ 1,200%
Staff (FTE)0
Result per fiscal year
Operating resultNet result
€0€500,000€1.0mOperating result 2021: €223,677€223,677Net result 2021: €651,810€651,810Operating result 2022: €309,937€309,937Net result 2022: €225,297€225,297Operating result 2023: €177,435€177,435Net result 2023: €134,223€134,223Operating result 2024: €128,364€128,364Net result 2024: €98,802€98,802Operating result 2025: €1.2m€1.2mNet result 2025: €883,788€883,78820212022202320242025€0€500,000€1mOperating result 2023: €177,435€177,000Net result 2023: €134,223€134,000Operating result 2024: €128,364€128,000Net result 2024: €98,802€98,800Operating result 2025: €1.2m€1.2mNet result 2025: €883,788€884,000202320242025
The operating result recovers in 2025; 2025 is 818% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.7m
Fixed assets €2.6m ▲ 72.5%
Current assets €2.1m ▲ 298%
Equity and liabilities €4.7m
Equity €3.4m ▲ 162%
Provisions €190,769
Debt €1.1m ▲ 51.1%
Debt's share of the balance-sheet total falls from 35.8% to 23.4%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€1.2m
Cash flow
€918,587
Current ratio
3.46▲
2024 · 1.28
Debt to equity
0.32▼
2024 · 0.56
ROE
25.8%▲
2024 · 7.5%
ROA
18.7%▲
2024 · 4.8%
Interest coverage
67.21
Debt ≤ 1 year
€614,120▲
2024 · €416,850
Debt > 1 year
€490,598▲
2024 · €314,102
Income taxes
€106,700▲
2024 · €26,936
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,776 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 97% are still going.

  • Small
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.5% went bankrupt
2.6% stopped otherwise
97% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 6,776 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet Code20242025
Assets
Total assets20/58€2.0m€4.7m▲
Fixed assets21/28€1.5m€2.6m▲
Tangible fixed assets22/27-€995,601
Land and buildings22-€806,208
Plant, machinery and equipment23-€189,394
Financial fixed assets28€1.5m€1.6m▲
Current assets29/58€532,899€2.1m▲
Amounts receivable within one year40/41€523,948€1.9m▲
Trade receivables40€41,940€99,125▲
Other amounts receivable41€482,008€1.8m▲
Cash at bank and in hand54/58€8,951€241,033▲
Equity and liabilities
Total equity and liabilities10/49€2.0m€4.7m▲
Equity10/15€1.3m€3.4m▲
Contributions10/11€200,000€272,436▲
Reserves13-€1.2m
Non-distributable reserves130/1-€7,244
Reserves not available under the articles1311-€7,244
Tax-exempt reserves132-€599,700
Distributable reserves133-€587,332
Profit (loss) carried forward14€1.1m€2.0m▲
Provisions and deferred taxes16-€190,769
Deferred taxes168-€190,769
Amounts payable17/49€731,339€1.1m▲
Amounts payable after more than one year17€314,102€490,598▲
Financial debts170/4€314,102€490,598▲
Amounts payable within one year42/48€416,850€614,120▲
Current portion of amounts payable after more than one year42€64,814€202,495▲
Financial debts43€200,000€200,000=
Credit institutions430/8€200,000€200,000=
Trade debts44€24€33,974▲
Suppliers440/4€24€33,974▲
Taxes, remuneration and social security45€19,270€88,300▲
Taxes450/3€11,820€80,850▲
Remuneration and social security454/9€7,450€7,450=
Other amounts payable47/48€132,742€89,353▼
Accrued charges and deferred income492/3€387€0▼
Income statement Code20242025
Non-recurring operating income76A-€763,074
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€34,799
Other operating charges640/8€737€1,627▲
Gross operating margin9900€129,101€1.2m▲
Operating profit (loss)9901€128,364€1.2m▲
Financial income75/76B€3,990€21,183▲
Recurring financial income75€3,990€21,183▲
Financial charges65/66B€6,617€18,046▲
Recurring financial charges65€6,617€18,046▲
Profit (loss) for the period before taxes9903€125,738€1.2m▲
Transfer to deferred taxes680-€190,769
Income taxes67/77€26,936€106,700▲
Profit (loss) for the period9904€98,802€883,788▲
Transfer to tax-exempt reserves689-€572,306
Profit (loss) for the period to be appropriated9905€98,802€311,483▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.1m€2.0m▲
Profit (loss) brought forward from the previous period14P€1.0m€1.7m▲
Social balance
Average headcount (FTE)9087-0.0

The notes to these accounts (21 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A----€763,074-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630----€34,799-
Other operating charges640/8-€348€348€737€1,627▲ 121%
Gross operating margin9900€224,425€310,285€177,783€129,101€1.2m▲ 841%
Operating profit (loss)9901€223,677€309,937€177,435€128,364€1.2m▲ 818%
Financial income75/76B-€496€1,614€3,990€21,183▲ 431%
Recurring financial income75€500,000€496€1,614€3,990€21,183▲ 431%
Financial charges65/66B-€16,704€6,726€6,617€18,046▲ 173%
Recurring financial charges65€21,130€16,704€6,726€6,617€18,046▲ 173%
Profit (loss) for the period before taxes9903€702,547€293,729€172,323€125,738€1.2m▲ 839%
Transfer to deferred taxes680----€190,769-
Income taxes67/77€50,737€68,432€38,100€26,936€106,700▲ 296%
Profit (loss) for the period9904€651,810€225,297€134,223€98,802€883,788▲ 795%
Transfer to tax-exempt reserves689----€572,306-
Profit (loss) for the period to be appropriated9905€651,810€225,297€134,223€98,802€311,483▲ 215%
Line20212022202320242025Change
Assets
Total assets20/58€1.5m€1.6m€1.7m€2.0m€4.7m▲ 131%
Fixed assets21/28€1.4m€1.5m€1.5m€1.5m€2.6m▲ 72.5%
Tangible fixed assets22/27----€995,601-
Land and buildings22----€806,208-
Plant, machinery and equipment23----€189,394-
Financial fixed assets28€1.4m€1.5m€1.5m€1.5m€1.6m▲ 6.5%
Current assets29/58€129,725€100,316€161,262€532,899€2.1m▲ 298%
Amounts receivable within one year40/41€84,700€77,612€157,590€523,948€1.9m▲ 259%
Trade receivables40-€12,100€54,700€41,940€99,125▲ 136%
Other amounts receivable41-€65,512€102,890€482,008€1.8m▲ 270%
Cash at bank and in hand54/58€45,025€22,704€3,672€8,951€241,033▲ 2,593%
Equity and liabilities
Total equity and liabilities10/49€1.5m€1.6m€1.7m€2.0m€4.7m▲ 131%
Equity10/15€851,810€1.1m€1.2m€1.3m€3.4m▲ 162%
Contributions10/11-€200,000€200,000€200,000€272,436▲ 36.2%
Reserves13----€1.2m-
Non-distributable reserves130/1----€7,244-
Reserves not available under the articles1311----€7,244-
Tax-exempt reserves132----€599,700-
Distributable reserves133----€587,332-
Profit (loss) carried forward14€651,810€877,107€1.0m€1.1m€2.0m▲ 76.8%
Provisions and deferred taxes16----€190,769-
Deferred taxes168----€190,769-
Amounts payable17/49€627,915€533,210€458,502€731,339€1.1m▲ 51.1%
Amounts payable after more than one year17€490,273€442,861€378,916€314,102€490,598▲ 56.2%
Financial debts170/4-€442,861€378,916€314,102€490,598▲ 56.2%
Amounts payable within one year42/48€137,642€90,349€79,586€416,850€614,120▲ 47.3%
Current portion of amounts payable after more than one year42-€63,116€63,945€64,814€202,495▲ 212%
Financial debts43---€200,000€200,000=
Credit institutions430/8---€200,000€200,000=
Trade debts44---€24€33,974▲ 139,652%
Suppliers440/4---€24€33,974▲ 139,652%
Taxes, remuneration and social security45-€25,032€13,441€19,270€88,300▲ 358%
Taxes450/3-€25,032€13,441€11,820€80,850▲ 584%
Remuneration and social security454/9---€7,450€7,450=
Other amounts payable47/48-€2,200€2,200€132,742€89,353▼ 32.7%
Accrued charges and deferred income492/3---€387€0▼ 100%
Line20212022202320242025Change
Profit (loss) for the period9904€651,810€225,297€134,223€98,802€883,788▲ 795%
+ Depreciation and write-downs630----€34,799-
Operating cash flow (approximation)€651,810€225,297€134,223€98,802€918,587▲ 830%
Investment in fixed assets (approximation)--€160,000€1,429-€1-€1.1m▼ 112,839,930%
Change in cash--€22,321-€19,033€5,280€232,082▲ 4,296%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2026
30-04
NBB filing Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial Highest result since 2021net €883,788 ▲795%
Operating result €1.2m, net result €883,788, both a record.
30-09
Financial Liquidity triplescurrent ratio 3.46
Current ratio from 1.28 to 3.46.
30-09
Financial Equity above €2mEq €3.4m ▲162%
5 profitable years in a row build equity to €3.4m.
27-03
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
30-09
Financial Weakest financial yearnet €98,802 ▼26.4%
Net result drops to €98,802, the lowest in the series; recovery starts the following year.
02-05
NBB filing Annual accounts filed
fiscal year 2023 · full schema · 2 days late
2023
23-03
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
30-09
Financial Equity above €1mEq €1.1m ▲26.4%
2 profitable years in a row build equity to €1.1m.
09-03
NBB filing Annual accounts filed
fiscal year 2021 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
4 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, Thimister-Clermont · 1 establishment unit since 2020
seat establishment The establishment unit on the map
Ground area
1,142 m²
Building footprint
138 m²
Volume, LiDAR
911 m³
Parcel 63017B0482/00E002, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
A&A
Thier 6, 4890 Thimister-ClermontHoldings
since 20202.338.340.101
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63017B0482/00E002 Wallonia 1,142 m² 1 · 138 m² 9.2 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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

Owners and holdings

4 holdings

Owners 0

The accounts to 30-09-2025 list no shareholders, and no other source names one.

Holdings 4

According to the annual accounts to 30-09-2025 of A&A and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 14,564 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded07-02-2020
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID 0208:0743436704
Also 9925:BE0743436704
Registered 02-09-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.