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A et A

Active
Private limited company (pre-2019)founded 199630 yrs activeSint Michielswarande 30, 1040 Etterbeek, BelgiumKBO/BCE: BE 0457.297.293

A et A has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €213k and a net result of €36k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 81% of 6965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2025
100 / 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+4
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 6.08 against 8.64 in 2024), and 16.3% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 30 years 0 40 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
83.7%
Return on assets
14%
Age of the figures
8 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 26-08-2026, 26 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 filings
Deviation from the deadline
2025
26 d late
2024
5 d late
2023
29 d late
2022
4 d late
2021
11 d late
2020
10 d late
2019
11 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 months
Position in the running window
14-09-2026 today31-12-2026 close31-07-2027 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

Financials · fiscal year 2025, micro schema

Equity
€213k▲ 20.1%
2024 · €177k
2018: €77k 2019: €85k 2020: €97k 2021: €126k 2022: €150k 2023: €149k 2024: €177k
2018 → 2025
Total assets
€255k▲ 27.1%
2024 · €200k
2018: €91k 2019: €106k 2020: €120k 2021: €163k 2022: €188k 2023: €173k 2024: €200k
2018 → 2025
Net result
€36k▲ 26.2%
2024 · €28k
2018: €2k 2019: €7k 2020: €13k 2021: €29k 2022: €24k 2023: €-662 2024: €28k
2018 → 2025
Working capital
€212k▲ 20.5%
2024 · €176k
2018: €77k 2019: €84k 2020: €97k 2021: €123k 2022: €148k 2023: €148k 2024: €176k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€126k-€150k▲ 19.0%€149k▼ 0.4%€177k▲ 19.0%€213k▲ 20.1%
Operating result€36k-€29k▼ 19.9%€-6k€31k€41k▲ 31.5%
Net result€29k-€24k▼ 16.5%€-662€28k€36k▲ 26.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-20k€0€20k€40kOperating result 2021: €36k€36kNet result 2021: €29k€29kOperating result 2022: €29k€29kNet result 2022: €24k€24kOperating result 2023: €-6k€-6kNet result 2023: €-662€-662Operating result 2024: €31k€31kNet result 2024: €28k€28kOperating result 2025: €41k€41kNet result 2025: €36k€36k20212022202320242025
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 32% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €255k
Fixed assets €2k▼ 17.4%
Current assets €253k▲ 27.5%
Equity and liabilities €255k
Equity €213k▲ 20.1%
Debt €42k▲ 81.2%
The debt ratio rises from 11.5% to 16.3%: debt grows faster than equity.
Key figures and ratios
2025 value · change against 2024
EBITDA
€42k
2024 · €33k
Cash flow
€36k
2024 · €30k
Solvency
83.7%
2024 · 88.5%
Current ratio
6.08
2024 · 8.64
Quick ratio
6.08
2024 · 8.64
Debt / equity
0.20
2024 · 0.13
ROE
16.8%
2024 · 16.0%
ROA
14.0%
2024 · 14.1%
Interest coverage
431.61
2024 · 47.62
Debt
€42k
2024 · €23k
Debt ≤ 1 year
€42k
2024 · €23k
Income taxes
€16k
2024 · €13k
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€200k€255k
Fixed assets21/28€2k€2k
Tangible fixed assets22/27€2k€1k
Furniture and vehicles24€2k€1k
Financial fixed assets28€171€171=
Current assets29/58€199k€253k
Amounts receivable within one year40/41€180k€244k
Trade receivables40€5k€30k
Other amounts receivable41€175k€214k
Cash at bank and in hand54/58€18k€9k
Deferred charges and accrued income490/1€1k€348
Equity and liabilities
Total equity and liabilities10/49€200k€255k
Equity10/15€177k€213k
Contributions10/11€19k€19k=
Reserves13€22k€22k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€137k€173k
Amounts payable17/49€23k€42k
Amounts payable within one year42/48€23k€42k
Trade debts44€5k€9k
Suppliers440/4€5k€9k
Taxes, remuneration and social security45€18k€33k
Taxes450/3€18k€33k
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€777
Other operating charges640/8€10€137
Gross operating margin9900€33k€42k
Operating profit (loss)9901€31k€41k
Financial income75/76B€11k€11k
Recurring financial income75€11k€11k
Financial charges65/66B€684€97
Recurring financial charges65€684€97
Profit (loss) for the period before taxes9903€41k€52k
Income taxes67/77€13k€16k
Profit (loss) for the period9904€28k€36k
Profit (loss) for the period to be appropriated9905€28k€36k
Appropriation of the result
Profit (loss) to be appropriated9906€137k€173k
Profit (loss) brought forward from the previous period14P€109k€137k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
26-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial Highest result since 2018net €36k ▲26.2%
Operating result €41k, net result €36k, both a record.
31-12
Financial Equity above €200kEq €213k ▲20.1%
2 profitable years in a row build equity to €213k.
05-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
31-12
Financial Back to profitnet €28k
Net result €28k after one loss-making year.
31-12
Financial Equity above €150kEq €177k ▲19%
Equity rises from €149k to €177k.
29-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial Weakest financial yearnet €-662 ▼103%
Net result drops to €-662, the lowest in the series; recovery starts the following year.
04-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
11-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
31-12
Financial Equity above €100kEq €126k ▲29.5%
4 profitable years in a row build equity to €126k.
10-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
11-08
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
26-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
11-09
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 42 days late
2017
21-08
NBB filing Annual accounts filed
fiscal year 2016 · full schema · 21 days late
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 1996
establishment The establishment unit on the map
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.

Sint Michielswarande 301040 Etterbeek
Ground area
1.4 ha
Building footprint
1.2 ha
Volume, LiDAR
128,358 m³
2 parcels, Brussels · tallest building 34.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Floridalaan 26, 1180 Ukkel
NACE 7412401
since 19962.075.525.727
2 parcels
Brussels 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21362B0253/02F000 Brussels 1.3 ha 1 · 1.1 ha 34.4 m · 2 fl.
21612C0056/02S083 Brussels 1,459 m² 1 · 353 m² 22.2 m · 7 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.

Similar companies · same sector, comparable size

Of 9,807 companies in sector 73110 we hold annual accounts for 3,724. 2,755 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company (pre-2019)
Founded15-02-1996
Fiscal year end31-12
Activities, NACEBEL
73110Advertising agencies
74401
58190Other publishing activities, excluding software publishing
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.