A&H
ActiveThe computed 12-month bankruptcy probability of A&H is 2.5% (moderate). The annual accounts of A&H for fiscal year 2025 show a net loss of 67% of the equity at the start of that year. The 2025 annual accounts show equity of €16k and a net result of €-33k. Equity is shrinking by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 35% of 18237 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
34
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-83
Solvency42▼-20
Growth39▼-46
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days 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 tight (current ratio 1.06 against 1.39 in 2024; short-term debt: 83.2% and cash: 21.1% of total assets), and 83.2% 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.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
16.8%
Return on assets
-34.7%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
1 d late
2023
49 d early
← 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
€385k▼ 36.7%
2024 · €608k
2023: €344k
2024: €608k
2023 → 2025
EBIT margin
-8.1%▼ 15.3pp
2024 · 7.2%
2023: 5.8%
2024: 7.2%
2023 → 2025
Net result
€-33k
2024 · €31k
2023: €15k
2024: €31k
2023 → 2025
Working capital
€5k▼ 84.4%
2024 · €32k
2023: €-1k
2024: €32k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€344k-€608k▲ 76.7%€385k▼ 36.7%
Equity€18k-€49k▲ 169%€16k▼ 67.3%
Operating result€20k-€44k▲ 120%€-31k
Net result€15k-€31k▲ 102%€-33k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €31k after €44k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €96k
Fixed assets
€11k▼ 34.7%
Current assets
€85k▼ 27.1%
Equity and liabilities €96k
Equity
€16k▼ 67.3%
Debt
€79k▼ 5.0%
The debt ratio rises from 63.0% to 83.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-23k▼
2024 · €51k
Cash flow
€-25k▼
2024 · €38k
Solvency
16.8%▼
2024 · 37.0%
Current ratio
1.06▼
2024 · 1.39
Quick ratio
0.29▼
2024 · 0.43
Debt / equity
4.95▲
2024 · 1.70
ROE
-206.1%▼
2024 · 62.8%
ROA
-34.7%▼
2024 · 23.2%
Interest coverage
-25.46▼
2024 · 91.01
Debt
€79k▼
2024 · €84k
Debt ≤ 1 year
€79k▼
2024 · €84k
Income taxes
€4k▼
2024 · €13k
Staff costs
€30k▲
2024 · €6k
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€133k€96k▼
Fixed assets21/28€17k€11k▼
Tangible fixed assets22/27€17k€11k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€13k€6k▼
Other tangible fixed assets26-€2k
Current assets29/58€116k€85k▼
Stocks and contracts in progress3€80k€62k▼
Stocks30/36€80k€62k▼
Amounts receivable within one year40/41€7k€3k▼
Trade receivables40€7k€3k▼
Cash at bank and in hand54/58€29k€20k▼
Equity and liabilities
Total equity and liabilities10/49€133k€96k▼
Equity10/15€49k€16k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€46k€13k▼
Amounts payable17/49€84k€79k▼
Amounts payable within one year42/48€84k€79k▼
Current portion of amounts payable after more than one year42€3k€3k=
Trade debts44€65k€38k▼
Suppliers440/4€65k€38k▼
Taxes, remuneration and social security45€15k€38k▲
Taxes450/3€13k€12k▼
Remuneration and social security454/9€2k€27k▲
Income statement
Code20242025
Turnover70€608k€385k▼
Non-recurring operating income76A€2k€2k▼
Goods, raw materials, services and sundry goods60/61€535k€374k▼
Remuneration, social security and pensions62€6k€30k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€21k€9k▼
Gross operating margin9900€78k€16k▼
Operating profit (loss)9901€44k€-31k▼
Financial income75/76B-€3k
Recurring financial income75-€3k
Financial charges65/66B€558€900▲
Recurring financial charges65€558€900▲
Profit (loss) for the period before taxes9903€43k€-29k▼
Income taxes67/77€13k€4k▼
Profit (loss) for the period9904€31k€-33k▼
Profit (loss) for the period to be appropriated9905€31k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€13k▼
Profit (loss) brought forward from the previous period14P€15k€46k▲
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-33k ▼207%
Net result drops to €-33k, the lowest in the series.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
31-12
Financial
Highest result since 2023net €31k ▲102%
Operating result €44k, net result €31k, both a record.
12-06
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, Antwerpen · 1 establishment unit since 2022
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-Elisabethstraat 532060 AntwerpenGround area
278 m²
Building footprint
278 m²
Volume, LiDAR
2,248 m³
Parcel 11805E0506/00P024, Flanders · tallest building 13.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A&H Cash & Carry
since 20222.339.894.376
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11805E0506/00P024 | Flanders | 278 m² | 1 · 278 m² | 13.8 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.339.894.376
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ABIID
BE 0802.159.712
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NAHIM SHOP
BE 0675.429.014
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Sabor do universo
BE 0765.680.089
Sint-Gillis (bij-Brussel) · Eq €16k
Of 10,524 companies in sector 47110 we hold annual accounts for 5,860. 3,956 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2022
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.