A & I
ActiveSummary
A & I has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135,421 and a net result of -€3,980. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 88% of 31896 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability15▼-85
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 10.16 against 10.57 in 2024; short-term debt: 9.7% and cash: 58.7% of total assets), and 9.7% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
27 d late
2023
on the day
2022
30 d late
2021
31 d late
2020
30 d late
2019
28 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 19 days after 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€135,421▼ 2.9%
2024 · €139,401
Total assets
€149,981▼ 2.6%
2024 · €153,961
Net result
-€3,980
2024 · €38,871
Working capital
€133,413▼ 4.3%
2024 · €139,401
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€23,006▼ 6.8%€40,703▲ 76.9%€58,612▲ 44.0%€53,267▼ 9.1%-€3,934
Net result€16,479▼ 7.1%€29,728▲ 80.4%€15,838▼ 46.7%€38,871▲ 145%-€3,980
Equity€104,965▲ 18.6%€134,692▲ 28.3%€100,530▼ 25.4%€139,401▲ 38.7%€135,421▼ 2.9%
Total assets€118,250▲ 23.0%€146,287▲ 23.7%€127,933▼ 12.5%€153,961▲ 20.3%€149,981▼ 2.6%
Debt€13,285▲ 73.3%€11,595▼ 12.7%€27,403▲ 136%€14,560▼ 46.9%€14,560=
Working capital€104,965▲ 18.6%€134,692▲ 28.3%€100,530▼ 25.4%€139,401▲ 38.7%€133,413▼ 4.3%
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 €3,934 after €53,267 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €149,981
Fixed assets
€2,008
Current assets
€147,973
Equity and liabilities €149,981
Equity
€135,421 ▼ 2.9%
Debt
€14,560 =
Debt's share of the balance-sheet total rises from 9.5% to 9.7%. Equity is lower.
Key figures and ratios
EBITDA
-€3,853
Cash flow
-€3,900
Current ratio
10.16▼
2024 · 10.57
Debt to equity
0.11▲
2024 · 0.10
ROE
-2.9%▼
2024 · 27.9%
ROA
-2.7%▼
2024 · 25.2%
Interest coverage
-25.84
Debt ≤ 1 year
€14,560=
2024 · €14,560
Income taxes
€0▼
2024 · €14,560
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,304 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% 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%.
| 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 12,304 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €80 | - |
| Other operating charges640/8 | - | - | - | - | €400 | - |
| Gross operating margin9900 | €23,006 | €40,703 | €58,612 | €53,267 | -€3,454 | ▼ 106% |
| Operating profit (loss)9901 | €23,006 | €40,703 | €58,612 | €53,267 | -€3,934 | ▼ 107% |
| Financial income75/76B | - | - | - | €390 | €103 | ▼ 73.6% |
| Recurring financial income75 | - | - | - | €390 | €103 | ▼ 73.6% |
| Financial charges65/66B | €128 | €167 | €27,181 | €225 | €149 | ▼ 33.9% |
| Recurring financial charges65 | €128 | €167 | €27,181 | €225 | €149 | ▼ 33.9% |
| Profit (loss) for the period before taxes9903 | €22,878 | €40,536 | €31,432 | €53,431 | -€3,980 | ▼ 107% |
| Income taxes67/77 | €6,399 | €10,808 | €15,594 | €14,560 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €16,479 | €29,728 | €15,838 | €38,871 | -€3,980 | ▼ 110% |
| Profit (loss) for the period to be appropriated9905 | €16,479 | €29,728 | €15,838 | €38,871 | -€3,980 | ▼ 110% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €118,250 | €146,287 | €127,933 | €153,961 | €149,981 | ▼ 2.6% |
| Fixed assets21/28 | - | - | - | - | €2,008 | - |
| Tangible fixed assets22/27 | - | - | - | - | €2,008 | - |
| Plant, machinery and equipment23 | - | - | - | - | €2,008 | - |
| Current assets29/58 | €118,250 | €146,287 | €127,933 | €153,961 | €147,973 | ▼ 3.9% |
| Amounts receivable within one year40/41 | €12,111 | €23,061 | €23,709 | €49,908 | €59,908 | ▲ 20.0% |
| Other amounts receivable41 | €12,111 | €23,061 | €23,709 | €49,908 | €59,908 | ▲ 20.0% |
| Current investments50/53 | €51,000 | €51,000 | €70,000 | €0 | - | - |
| Cash at bank and in hand54/58 | €55,139 | €72,226 | €34,224 | €104,053 | €88,065 | ▼ 15.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €118,250 | €146,287 | €127,933 | €153,961 | €149,981 | ▼ 2.6% |
| Equity10/15 | €104,965 | €134,692 | €100,530 | €139,401 | €135,421 | ▼ 2.9% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Capital10 | €12,400 | €12,400 | - | - | - | - |
| Issued capital100 | €18,600 | €18,600 | - | - | - | - |
| Uncalled capital101 | €6,200 | €6,200 | - | - | - | - |
| Outside capital11 | - | - | €12,400 | - | - | - |
| Other1109/19 | - | - | €12,400 | - | - | - |
| Reserves13 | €92,565 | €122,292 | €88,130 | €127,001 | €123,021 | ▼ 3.1% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Legal reserve130 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €90,705 | €120,432 | €88,130 | €127,001 | €123,021 | ▼ 3.1% |
| Amounts payable17/49 | €13,285 | €11,595 | €27,403 | €14,560 | €14,560 | = |
| Amounts payable within one year42/48 | €13,285 | €11,595 | €27,403 | €14,560 | €14,560 | = |
| Trade debts44 | - | €787 | €787 | €0 | - | - |
| Suppliers440/4 | - | €787 | €787 | €0 | - | - |
| Taxes, remuneration and social security45 | €13,285 | €10,808 | €26,402 | €14,560 | €14,560 | = |
| Taxes450/3 | €13,285 | €10,808 | €26,402 | €14,560 | €14,560 | = |
| Other amounts payable47/48 | - | - | €214 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,479 | €29,728 | €15,838 | €38,871 | -€3,980 | ▼ 110% |
| + Depreciation and write-downs630 | - | - | - | - | €80 | - |
| Operating cash flow (approximation) | €16,479 | €29,728 | €15,838 | €38,871 | -€3,900 | ▼ 110% |
| Change in cash | - | €17,087 | -€38,002 | €69,829 | -€15,988 | ▼ 123% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€3,980
Net result drops to -€3,980, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Highest result since 2018net €38,871 ▲145%
Net result €38,871, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 10.57
Current ratio from 4.67 to 10.57; short-term debt falls from €27,403 to €14,560.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100,000Eq €104,965 ▲18.6%
4 profitable years in a row build equity to €104,965.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Liquidity times 28current ratio 75.28
Current ratio from 2.71 to 75.28; short-term debt falls from €41,223 to €952.
Show earlier events
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Leuven · 1 establishment unit since 2023
Ground area
297 m²
Building footprint
240 m²
Volume, LiDAR
1,691 m³
Parcel 24502B0135/00H003, Flanders · tallest building 19.7 m, ±1 floor. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Bondgenotenlaan 161C, 3000 Leuven
since 20232.355.347.070
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502B0135/00H003 | Flanders | 297 m² | 1 · 239 m² | 19.7 m · 1 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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IMMO SIMON
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K D V Trade & Consulting
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BRATVA HOLDING
BE 1012.351.485
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 40,884 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
Founded31-03-2006
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0880646172
Also
9925:BE0880646172
Registered
16-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.