A.S.GIARDINI
ActiveA.S.GIARDINI has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €29k. Its solvency ranks better than 25% of 3102 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
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
Profitability79▲+7
Solvency34▲+3
Growth78
Track record82
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.32 against 0.2 in 2024; short-term debt: 34.9% and cash: 1.1% of total assets), and 90.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
9.3%
Return on assets
7.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 3102 sector peers (2025).
NBB · sector comparisonPosition among 3102 sector peers
Solvency
better than 25%
← 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 23-07-2026, 8 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
8 d early
2024
6 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▲ 537%
2024 · €5k
2024: €5k
2024 → 2025
Total assets
€374k▲ 329%
2024 · €87k
2024: €87k
2024 → 2025
Net result
€29k▲ 1,087%
2024 · €2k
2024: €2k
2024 → 2025
Working capital
€-89k▼ 35.5%
2024 · €-66k
2024: €-66k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€5k-€35k▲ 537%
Operating result€3k-€46k▲ 1,357%
Net result€2k-€29k▲ 1,087%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 1,357% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €374k
Fixed assets
€333k▲ 367%
Current assets
€42k▲ 159%
Equity and liabilities €374k
Equity
€35k▲ 537%
Debt
€340k▲ 315%
The debt ratio falls from 93.7% to 90.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€65k▲
2024 · €7k
Cash flow
€48k▲
2024 · €6k
Solvency
9.3%▲
2024 · 6.3%
Current ratio
0.32▲
2024 · 0.20
Quick ratio
0.32▲
2024 · 0.20
Debt / equity
9.74▼
2024 · 14.94
ROE
84.3%▲
2024 · 45.2%
ROA
7.8%▲
2024 · 2.8%
Interest coverage
9.91▼
2024 · 586.84
Debt
€340k▲
2024 · €82k
Debt ≤ 1 year
€131k▲
2024 · €82k
Debt > 1 year
€209k
Income taxes
€11k▲
2024 · €692
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€87k€374k▲
Fixed assets21/28€71k€333k▲
Intangible fixed assets21€71k€64k▼
Tangible fixed assets22/27-€269k
Land and buildings22-€186k
Plant, machinery and equipment23-€3k
Furniture and vehicles24-€80k
Current assets29/58€16k€42k▲
Amounts receivable within one year40/41€2k€37k▲
Trade receivables40€2k€36k▲
Other amounts receivable41€250€1k▲
Cash at bank and in hand54/58€14k€4k▼
Equity and liabilities
Total equity and liabilities10/49€87k€374k▲
Equity10/15€5k€35k▲
Contributions10/11€3k€3k=
Reserves13-€32k
Distributable reserves133-€32k
Profit (loss) carried forward14€2k€0▼
Amounts payable17/49€82k€340k▲
Amounts payable after more than one year17-€209k
Financial debts170/4-€209k
Amounts payable within one year42/48€82k€131k▲
Current portion of amounts payable after more than one year42-€32k
Trade debts44€78k€7k▼
Suppliers440/4€78k€7k▼
Taxes, remuneration and social security45€2k€11k▲
Taxes450/3€2k€11k▲
Other amounts payable47/48€2k€81k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€19k▲
Other operating charges640/8€387€1k▲
Gross operating margin9900€7k€66k▲
Operating profit (loss)9901€3k€46k▲
Financial income75/76B-€199
Recurring financial income75-€199
Financial charges65/66B€12€7k▲
Recurring financial charges65€12€7k▲
Profit (loss) for the period before taxes9903€3k€40k▲
Income taxes67/77€692€11k▲
Profit (loss) for the period9904€2k€29k▲
Profit (loss) for the period to be appropriated9905€2k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€32k▲
Profit (loss) brought forward from the previous period14P-€2k
Transfer to equity691/2-€32k
To other reserves6921-€32k
The notes to these accounts (13 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Beernem · 1 establishment unit since 2024
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-Jorisstraat 108+8730 BeernemGround area
652 m²
Building footprint
153 m²
Volume, LiDAR
666 m³
Parcel 31028D0109/00F000, Flanders · tallest building 7.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
A.S.GIARDINI
since 20242.365.849.004
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31028D0109/00F000 | Flanders | 652 m² | 1 · 153 m² | 7.8 m · 1 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.
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Of 4,676 companies in sector 01610 we hold annual accounts for 1,368. 848 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2024
Fiscal year end31-12
Activities, NACEBEL
01610Support activities for crop production
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.