A.B.O
ActiveThe annual accounts of A.B.O for fiscal year 2025 show a net loss of 84% of the equity at the start of that year. The 2025 annual accounts show equity of €9k and a net result of €-46k. Equity is shrinking by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 15% of 31584 sector peers (fiscal year 2025). The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency33▼-25
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.83 against 1.22 in 2024; short-term debt: 92.1% and cash: 43.4% of total assets), and 92.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
7.9%
Return on assets
-41.1%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-46k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 31584 sector peers (2025).
NBB · sector comparisonPosition among 31584 sector peers
Solvency
better than 15%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
on the day
2022
7 d early
2021
58 d late
2020
20 d late
2019
61 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k▼ 83.9%
2024 · €54k
2018: €116k
2019: €138k
2020: €158k
2021: €143k
2022: €127k
2023: €130k
2024: €54k
2018 → 2025
Total assets
€111k▼ 33.4%
2024 · €167k
2018: €212k
2019: €218k
2020: €268k
2021: €206k
2022: €288k
2023: €273k
2024: €167k
2018 → 2025
Net result
€-46k▲ 39.5%
2024 · €-75k
2018: €2k
2019: €22k
2020: €20k
2021: €-15k
2022: €-16k
2023: €2k
2024: €-75k
2018 → 2025
Working capital
€-17k
2024 · €25k
2018: €112k
2019: €134k
2020: €141k
2021: €121k
2022: €110k
2023: €94k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€143k-€127k▼ 11.0%€130k▲ 1.9%€54k▼ 58.1%€9k▼ 83.9%
Operating result€-14k-€-10k▲ 24.3%€7k€-74k€-46k▲ 38.4%
Net result€-15k-€-16k▼ 3.5%€2k€-75k€-46k▲ 39.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €46k in 2025 against €74k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111k
Fixed assets
€26k▼ 13.4%
Current assets
€85k▼ 37.8%
Equity and liabilities €111k
Equity
€9k▼ 83.9%
Debt
€102k▼ 9.0%
The debt ratio rises from 67.4% to 92.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-37k▲
2024 · €-65k
Cash flow
€-37k▲
2024 · €-66k
Solvency
7.9%▼
2024 · 32.6%
Current ratio
0.83▼
2024 · 1.22
Quick ratio
0.83▼
2024 · 1.22
Debt / equity
11.66▲
2024 · 2.07
ROE
-520.3%▼
2024 · -138.6%
ROA
-41.1%▲
2024 · -45.2%
Interest coverage
-51.23▼
2024 · -45.24
Debt
€102k▼
2024 · €112k
Debt ≤ 1 year
€102k▼
2024 · €112k
Income taxes
€115▼
2024 · €185
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€167k€111k▼
Fixed assets21/28€30k€26k▼
Tangible fixed assets22/27€28k€24k▼
Plant, machinery and equipment23€2k€443▼
Furniture and vehicles24€26k€24k▼
Other tangible fixed assets26€46€34▼
Financial fixed assets28€2k€2k=
Current assets29/58€137k€85k▼
Amounts receivable within one year40/41€22k€32k▲
Trade receivables40€3k€6k▲
Other amounts receivable41€19k€25k▲
Cash at bank and in hand54/58€110k€48k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€167k€111k▼
Equity10/15€54k€9k▼
Contributions10/11€19k€19k=
Reserves13€135k€135k=
Non-distributable reserves130/1€13k€13k=
Reserves not available under the articles1311€13k€13k=
Distributable reserves133€122k€122k=
Profit (loss) carried forward14€-99k€-145k▼
Amounts payable17/49€112k€102k▼
Amounts payable within one year42/48€112k€102k▼
Financial debts43€5k€5k▼
Credit institutions430/8€5k€5k▼
Trade debts44€4k€9k▲
Suppliers440/4€4k€9k▲
Taxes, remuneration and social security45€2k€0▼
Taxes450/3€2k€0▼
Other amounts payable47/48€100k€89k▼
Accrued charges and deferred income492/3€387€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€599€2k▲
Gross operating margin9900€-65k€-36k▲
Operating profit (loss)9901€-74k€-46k▲
Financial income75/76B€616€1k▲
Recurring financial income75€616€1k▲
Financial charges65/66B€1k€729▼
Recurring financial charges65€1k€729▼
Profit (loss) for the period before taxes9903€-75k€-46k▲
Income taxes67/77€185€115▼
Profit (loss) for the period9904€-75k€-46k▲
Profit (loss) for the period to be appropriated9905€-75k€-46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-99k€-145k▼
Profit (loss) brought forward from the previous period14P€-24k€-99k▼
The notes to these accounts (11 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
10-09
State Gazette act
Registered officeGeneral meeting · Registered-office move · Statutes amendment6 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move · Statutes amendment6 facts ▸
- General meeting, 2026-08-31
- Registered-office move, Nering 26, 1650 Beersel
- Statutes amendment
- Corporate purpose, 1. Het aankopen of op enige andere wijze verwerven, lenen, bewaren, bezitten, hypothekeren, in pand geven, op welke wijze ook te gelde maken, invoeren, uitvoere…
- Capital
- Language change, Nederlands
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-75k ▼3222%
Net result drops to €-75k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Equity above €150kEq €158k ▲14.7%
3 profitable years in a row build equity to €158k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Highest result since 2018net €22k ▲799%
Operating result €32k, net result €22k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Beersel · 1 establishment unit since 1994
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.
Nering 261650 BeerselGround area
428 m²
Building footprint
410 m²
Volume, LiDAR
2,851 m³
2 parcels, Brussels, Flanders · tallest building 16.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
A.B.O.
since 19942.067.562.324
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23003C0154/00C002 | Flanders | 328 m² | 1 · 328 m² | 6.3 m · 2 fl. |
| 21016B0003/00Z004 | Brussels | 100 m² | 1 · 82 m² | 16.2 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 82,546 companies in sector 70200 we hold annual accounts for 52,574. 21,491 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-1994
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.