A&R FLEURY
ActiveA&R FLEURY has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €13k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 95% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+89
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
short-term debt: 0.2% and cash: 100% of total assets, and 0.2% 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.
−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 47
Relative position
BE, all sectors
reference
Sector 47
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
99.8%
Return on assets
20.5%
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 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
2 d early
2023
6 d early
2022
31 d late
2021
116 d late
2020
24 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
€64k▲ 25.9%
2024 · €51k
2020: €68k
2021: €69k
2022: €69k
2023: €91k
2024: €51k
2020 → 2025
Total assets
€64k▲ 26.1%
2024 · €51k
2020: €84k
2021: €636k
2022: €69k
2023: €98k
2024: €51k
2020 → 2025
Net result
€13k
2024 · €-40k
2020: €60k
2021: €2k
2022: €-416
2023: €22k
2024: €-40k
2020 → 2025
Working capital
€64k▲ 25.9%
2024 · €51k
2020: €68k
2021: €70k
2022: €69k
2023: €91k
2024: €51k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€69k▼ 0.6%€91k▲ 32.1%€51k▼ 44.3%€64k▲ 25.9%
Operating result€2k-€-327€29k€-40k€13k
Net result€2k-€-416€22k€-40k€13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €13k after a loss of €40k in 2024.
Balance-sheet composition
Equity and liabilities €64k
Equity
€64k
Debt
€109
Debt finances 0.2% of the balance-sheet total.
Key figures and ratios
Solvency
99.8%▼
2024 · 100.0%
Debt / equity
0.00▲
2024 · 0.00
ROE
20.6%▲
2024 · -79.7%
ROA
20.5%▲
2024 · -79.7%
Debt
€109▲
2024 · €0
Debt ≤ 1 year
€109▲
2024 · €0
A ratio outside any meaningful range has been withheld (balance sheet total €64k, equity €64k).
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€51k€64k▲
Current assets29/58€51k€64k▲
Amounts receivable within one year40/41€12k€0▼
Other amounts receivable41€12k€0▼
Cash at bank and in hand54/58€22k€64k▲
Deferred charges and accrued income490/1€17k€0▼
Equity and liabilities
Total equity and liabilities10/49€51k€64k▲
Equity10/15€51k€64k▲
Contributions10/11€8k€8k=
Reserves13€61k€61k=
Distributable reserves133€61k€61k=
Profit (loss) carried forward14€-19k€-6k▲
Amounts payable17/49€0€109▲
Amounts payable within one year42/48€0€109▲
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45€0€109▲
Taxes450/3€0€109▲
Income statement
Code20242025
Other operating charges640/8€528€544▲
Gross operating margin9900€-40k€14k▲
Operating profit (loss)9901€-40k€13k▲
Financial charges65/66B€44€45▲
Recurring financial charges65€44€45▲
Profit (loss) for the period before taxes9903€-40k€13k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-40k€13k▲
Profit (loss) for the period to be appropriated9905€-40k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-6k▲
Profit (loss) brought forward from the previous period14P€22k€-19k▼
The notes to these accounts (1 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-40k ▼282%
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity times 158current ratio 177.11
Current ratio from 1.12 to 177.11; short-term debt falls from €565k to €391.
24-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 116 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 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, Lede · 1 establishment unit since 2020
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.
Nonnenbosstraat 1429340 LedeGround area
6,124 m²
Building footprint
189 m²
Volume, LiDAR
857 m³
Parcel 41075A0746/00A000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A&R FLEURY
since 20202.299.452.702
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41075A0746/00A000 | Flanders | 6,124 m² | 1 · 189 m² | 6.7 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
R.G. & CO
BE 0506.836.975
Namur · Eq €64k
ZOBAIR
BE 0809.474.502
Brugge · Eq €64k
D’ART-D’ART
BE 1010.921.924
Brussel · Eq €63k
CO.PHI.CO
BE 0788.525.371
Mouscron · Eq €63k
ANTIQUITES LANGE PASCAL
BE 0794.795.630
Verviers · Eq €63k
Of 1,435 companies in sector 47791 we hold annual accounts for 455. 335 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2020
Fiscal year end31-12
Activities, NACEBEL
47791Retail sale of antiques
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.