A&O Schilderwerken
ActiveThe computed 12-month bankruptcy probability of A&O Schilderwerken is 2.4% (moderate). The 2025 annual accounts show equity of €44k and a net result of €14k. Its solvency ranks better than 47% of 27451 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-13
Solvency70▲+2
Growth52
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 1.61 in 2024; short-term debt: 26.2% and cash: 10.5% of total assets), but 55.4% 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 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
44.6%
Return on assets
14.7%
Age of the figures
9 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 25-08-2026, 25 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 · 2 filingsDeviation from the deadline
2025
25 d late
2024
30 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€44k▲ 41.0%
2024 · €31k
2024: €31k
2024 → 2025
Total assets
€98k▲ 35.7%
2024 · €73k
2024: €73k
2024 → 2025
Net result
€14k▼ 53.2%
2024 · €31k
2024: €31k
2024 → 2025
Working capital
€22k▲ 98.5%
2024 · €11k
2024: €11k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€31k-€44k▲ 41.0%
Operating result€42k-€23k▼ 45.6%
Net result€31k-€14k▼ 53.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€51k▲ 16.8%
Current assets
€47k▲ 64.2%
Equity and liabilities €98k
Equity
€44k▲ 41.0%
Debt
€55k▲ 31.7%
The debt ratio falls from 57.1% to 55.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▼
2024 · €53k
Cash flow
€28k▼
2024 · €42k
Solvency
44.6%▲
2024 · 42.9%
Current ratio
1.84▲
2024 · 1.61
Quick ratio
1.70▲
2024 · 1.61
Debt / equity
1.24▼
2024 · 1.33
ROE
32.9%▼
2024 · 99.1%
ROA
14.7%▼
2024 · 42.5%
Interest coverage
13.15▼
2024 · 37.05
Debt
€55k▲
2024 · €41k
Debt ≤ 1 year
€26k▲
2024 · €18k
Debt > 1 year
€29k▲
2024 · €23k
Income taxes
€6k▼
2024 · €10k
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€73k€98k▲
Fixed assets21/28€44k€51k▲
Tangible fixed assets22/27€44k€51k▲
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€41k€48k▲
Current assets29/58€29k€47k▲
Stocks and contracts in progress3-€4k
Stocks30/36-€4k
Amounts receivable within one year40/41€22k€33k▲
Trade receivables40€8k€21k▲
Other amounts receivable41€15k€13k▼
Cash at bank and in hand54/58€6k€10k▲
Deferred charges and accrued income490/1€222€230▲
Equity and liabilities
Total equity and liabilities10/49€73k€98k▲
Equity10/15€31k€44k▲
Contributions10/11€2k€2k=
Reserves13€29k€42k▲
Distributable reserves133€29k€42k▲
Amounts payable17/49€41k€55k▲
Amounts payable after more than one year17€23k€29k▲
Financial debts170/4€23k€29k▲
Amounts payable within one year42/48€18k€26k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€4k€11k▲
Suppliers440/4€4k€11k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€14k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€56k€38k▼
Operating profit (loss)9901€42k€23k▼
Financial income75/76B€181€30▼
Recurring financial income75€181€30▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€41k€20k▼
Income taxes67/77€10k€6k▼
Profit (loss) for the period9904€31k€14k▼
Profit (loss) for the period to be appropriated9905€31k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€14k▼
Transfer to equity691/2€29k€13k▼
To other reserves6921€29k€13k▼
Profit to be distributed694/7€2k€2k▼
Return on contributions (dividend)694€2k€2k▼
The notes to these accounts (7 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Tielt · 1 establishment unit since 2023
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.
Rozenlaan 458700 TieltGround area
201 m²
Building footprint
80 m²
Volume, LiDAR
435 m³
Parcel 37015A0927/00H003, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A&O Schilderwerken
since 20232.346.888.472
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37015A0927/00H003 | Flanders | 201 m² | 1 · 79 m² | 8.1 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.
Similar companies · same sector, comparable size
SERGIO MARRA
BE 0879.928.570
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DGR
BE 0794.695.561
Genk · Eq €44k
KAMPS INTERIEURWERKEN
BE 0786.212.615
Leopoldsburg · Eq €44k
Lefevre Paul
BE 0524.860.961
Ottignies-Louvain-la-Neuve · Eq €44k
Ncolor
BE 0782.887.691
Wingene · Eq €44k
Of 7,864 companies in sector 43341 we hold annual accounts for 2,662. 2,294 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2023
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
71111Activities of building architects
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.