A-HOLDING
ActiveSummary
The annual accounts of A-HOLDING for fiscal year 2025 show a net loss of 66% of the equity at the start of that year. The 2025 annual accounts show equity of €907k and a net result of €-1.75M. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 20% of 728 sector peers (fiscal year 2025). The company has been active since 2011 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
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-66
Solvency40▼-28
Growth35▼-43
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k 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 short (current ratio 0.62 against 1.16 in 2024; short-term debt: 78.8% and cash: 1% of total assets), and 85.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 71
Relative position
BE, all sectors
reference
Sector 71
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 728 sector peers (2025).
NBB · sector comparisonPosition among 728 sector peers
Solvency
better than 20%
← 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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
27 d late
2023
62 d early
2022
75 d early
2021
27 d early
2020
48 d early
2019
46 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€625k▼ 68.7%
2024 · €2.00M
2024: €2.00M
2024 → 2025
EBIT margin
-266.5%▼ 288.6pp
2024 · 22.2%
2024: 22.2%
2024 → 2025
Net result
€-1.75M
2024 · €632k
2019: €99k
2020: €581k
2021: €441k
2022: €71k
2023: €184k
2024: €632k
2019 → 2025
Working capital
€-1.82M
2024 · €492k
2019: €220k
2020: €789k
2021: €866k
2022: €760k
2023: €699k
2024: €492k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.00M€625k▼ 68.7%
Equity€1.77M-€1.84M▲ 4.0%€2.02M▲ 10.0%€2.65M▲ 31.2%€907k▼ 65.8%
Operating result€668k-€133k▼ 80.1%€288k▲ 117%€443k▲ 53.8%€-1.67M
Net result€441k-€71k▼ 83.9%€184k▲ 158%€632k▲ 244%€-1.75M
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1.67M after €443k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.08M
Fixed assets
€3.10M ▲ 17.6%
Current assets
€2.98M ▼ 15.1%
Equity and liabilities €6.08M
Equity
€907k ▼ 65.8%
Debt
€5.18M ▲ 48.1%
Debt's share of the balance-sheet total rises from 56.8% to 85.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-1.67M▼
2024 · €461k
Cash flow
€-1.75M▼
2024 · €651k
Current ratio
0.62▼
2024 · 1.16
Debt to equity
5.71▲
2024 · 1.32
ROE
-192.6%▼
2024 · 23.8%
ROA
-28.7%▼
2024 · 10.3%
Interest coverage
-9.40▼
2024 · 2.17
Debt ≤ 1 year
€4.80M▲
2024 · €3.02M
Debt > 1 year
€374k▼
2024 · €477k
Income taxes
€574▼
2024 · €87k
Staff costs
€444k▼
2024 · €676k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 75 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6.15M€6.08M▼
Fixed assets21/28€2.64M€3.10M▲
Tangible fixed assets22/27€45k€10k▼
Furniture and vehicles24€45k€2k▼
Assets under construction and advance payments27-€7k
Financial fixed assets28€2.59M€3.09M▲
Affiliated companies280/1€2.59M€3.09M▲
Participating interests280€2.59M€3.09M▲
Other financial fixed assets284/8€500€500=
Amounts receivable and cash guarantees285/8€500€500=
Current assets29/58€3.51M€2.98M▼
Amounts receivable after more than one year29€1.40M€900k▼
Other amounts receivable291€1.40M€900k▼
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€1.54M€1.56M▲
Trade receivables40€1.12M€1.09M▼
Other amounts receivable41€418k€469k▲
Current investments50/53€457k€411k▼
Other investments51/53€457k€411k▼
Cash at bank and in hand54/58€17k€60k▲
Deferred charges and accrued income490/1€97k€54k▼
Equity and liabilities
Total equity and liabilities10/49€6.15M€6.08M▼
Equity10/15€2.65M€907k▼
Contributions10/11€6k€6k=
Reserves13€2.65M€1.19M▼
Distributable reserves133€2.65M€1.19M▼
Profit (loss) carried forward14-€-292k
Amounts payable17/49€3.50M€5.18M▲
Amounts payable after more than one year17€477k€374k▼
Financial debts170/4€477k€374k▼
Credit institutions173€477k€374k▼
Amounts payable within one year42/48€3.02M€4.80M▲
Current portion of amounts payable after more than one year42€105k€89k▼
Financial debts43€2.60M€3.23M▲
Credit institutions430/8€1.52M€1.43M▼
Other loans439€1.08M€1.80M▲
Trade debts44€247k€382k▲
Suppliers440/4€247k€382k▲
Taxes, remuneration and social security45€62k€50k▼
Taxes450/3€5k€4k▼
Remuneration and social security454/9€57k€46k▼
Other amounts payable47/48€10k€1.05M▲
Accrued charges and deferred income492/3-€7k
Income statement
Code20242025
Operating income70/76A€2.03M€631k▼
Turnover70€2.00M€625k▼
Other operating income74€35k€6k▼
Operating charges60/66A€1.59M€2.30M▲
Services and other goods61€886k€917k▲
Remuneration, social security and pensions62€676k€444k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€584▼
Other operating charges640/8€11k€2k▼
Non-recurring operating charges66A-€935k
Operating profit (loss)9901€443k€-1.67M▼
Financial income75/76B€491k€98k▼
Recurring financial income75€491k€98k▼
Income from financial fixed assets750€396k€35k▼
Income from current assets751€95k€52k▼
Other financial income752/9€0€11k▲
Financial charges65/66B€214k€178k▼
Recurring financial charges65€214k€178k▼
Debt charges650€213k€177k▼
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€0-
Other financial charges652/9€2k€795▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€719k€-1.75M▼
Income taxes67/77€87k€574▼
Taxes670/3€87k€574▼
Profit (loss) for the period9904€632k€-1.75M▼
Profit (loss) for the period to be appropriated9905€632k€-1.75M▼
Appropriation of the result
Profit (loss) to be appropriated9906€632k€-1.75M▼
Transfer from equity791/2-€1.46M
From reserves792-€1.46M
Transfer to equity691/2€632k€0▼
To other reserves6921€632k€0▼
Social balance
Average headcount (FTE)90873.73.7=
The notes to these accounts (57 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-1.75M ▼377%
Net result drops to €-1.75M, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
31-12
Financial
Highest result since 2019net €632k ▲244%
Net result €632k, the highest in the series.
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Equity above €2MEq €2.02M ▲10%
5 profitable years in a row build equity to €2.02M.
2022
17-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
04-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Liquidity doublescurrent ratio 7.47
Current ratio from 3.12 to 7.47.
30-06
Financial
Equity above €1MEq €1.33M ▲77.9%
2 profitable years in a row build equity to €1.33M.
2019
16-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
23-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
13-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB 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, Bocholt · 1 establishment unit since 2011
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.
Rademakersstraat 393950 BocholtGround area
8,399 m²
Building footprint
3,785 m²
Volume, LiDAR
2,427 m³
Parcel 72003A1371/00E000, Flanders · tallest building 8.4 m. Linked by address, not a title deed.
1 establishment unit
A-Holding
since 20112.195.178.393
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72003A1371/00E000 | Flanders | 8,399 m² | 1 · 3,785 m² | 8.4 m |
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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 6,177 EUR awarded · 6,089 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 6,000 EUR |
| 2022 | 1 | 6,177 EUR | 89 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900MYS79MYXWPFD24
Similar companies · same sector, comparable size
DE VLOED ARCHITECTS
BE 0435.618.783
Lochristi · Eq €906,566
ILKA MANS INGENIEURS EN ARCHITECTEN
BE 0810.487.755
Bornem · Eq €908,531
AIKO architecten en ingenieurs
BE 0880.540.957
Maldegem · Eq €909,775
INGHELBRECHT W. ARCHITECT
BE 0843.829.625
Oostende · Eq €909,883
NERO ARCHITECTEN
BE 0469.691.024
Gent · Eq €903,393
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 3,009 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2011
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
71111Activities of building architects
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.