A & T
ActiveSummary
A & T has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €133,314 and a net result of €8,940. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 95% of 3505 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability77▼-20
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 16.79 against 7.12 in 2024; short-term debt: 5.9% and cash: 13.7% of total assets), and 5.9% of the assets are financed with debt.
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Signals
Five 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 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% 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
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
94.1%
Return on assets
6.3%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €133,314
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
24 d early
2023
21 d early
2022
14 d early
2021
17 d early
2020
54 d early
2019
32 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 11 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% 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
€133,314▲ 7.2%
2024 · €124,375
Total assets
€141,694▼ 2.1%
2024 · €144,695
Net result
€8,940▼ 72.9%
2024 · €32,958
Working capital
€132,304▲ 6.4%
2024 · €124,375
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€6,001▼ 18.6%€22,422▲ 274%€29,292▲ 30.6%€47,919▲ 63.6%€15,481▼ 67.7%
Net result€2,699▼ 67.4%€12,219▲ 353%€12,378▲ 1.3%€32,958▲ 166%€8,940▼ 72.9%
Equity€120,851▲ 2.3%€89,245▼ 26.2%€101,623▲ 13.9%€124,375▲ 22.4%€133,314▲ 7.2%
Total assets€156,658▲ 12.3%€136,399▼ 12.9%€135,852▼ 0.4%€144,695▲ 6.5%€141,694▼ 2.1%
Debt€35,807▲ 67.7%€47,155▲ 31.7%€34,229▼ 27.4%€20,321▼ 40.6%€8,380▼ 58.8%
Working capital€120,250▲ 3.3%€89,010▼ 26.0%€102,492▲ 15.1%€124,375▲ 21.3%€132,304▲ 6.4%
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 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €141,694
Fixed assets
€1,010
Current assets
€140,684
Equity and liabilities €141,694
Equity
€133,314 ▲ 7.2%
Debt
€8,380 ▼ 58.8%
Debt's share of the balance-sheet total falls from 14.0% to 5.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15,639▼
2024 · €47,919
Cash flow
€9,098▼
2024 · €32,958
Current ratio
16.79▲
2024 · 7.12
Debt to equity
0.06▼
2024 · 0.16
ROE
6.7%▼
2024 · 26.5%
ROA
6.3%▼
2024 · 22.8%
Interest coverage
6.43▼
2024 · 6.53
Debt ≤ 1 year
€8,380▼
2024 · €20,321
Income taxes
€6,838▼
2024 · €10,444
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% 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 31,324 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 | €1,098 | €359 | €248 | €0 | €158 | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €2,499 | €0 | ▼ 100% |
| Other operating charges640/8 | €1,011 | €1,401 | €1,686 | €966 | €535 | ▼ 44.6% |
| Gross operating margin9900 | €8,110 | €24,182 | €31,226 | €51,384 | €16,174 | ▼ 68.5% |
| Operating profit (loss)9901 | €6,001 | €22,422 | €29,292 | €47,919 | €15,481 | ▼ 67.7% |
| Financial income75/76B | €4,149 | €3,099 | €2,867 | €2,821 | €2,730 | ▼ 3.2% |
| Recurring financial income75 | €4,149 | €3,099 | €2,867 | €2,821 | €2,730 | ▼ 3.2% |
| Financial charges65/66B | €3,368 | €3,179 | €9,176 | €7,338 | €2,433 | ▼ 66.8% |
| Recurring financial charges65 | €3,368 | €3,179 | €9,176 | €7,338 | €2,433 | ▼ 66.8% |
| Profit (loss) for the period before taxes9903 | €6,782 | €22,341 | €22,983 | €43,402 | €15,778 | ▼ 63.6% |
| Income taxes67/77 | €4,082 | €10,122 | €10,605 | €10,444 | €6,838 | ▼ 34.5% |
| Profit (loss) for the period9904 | €2,699 | €12,219 | €12,378 | €32,958 | €8,940 | ▼ 72.9% |
| Profit (loss) for the period to be appropriated9905 | €2,699 | €12,219 | €12,378 | €32,958 | €8,940 | ▼ 72.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €156,658 | €136,399 | €135,852 | €144,695 | €141,694 | ▼ 2.1% |
| Fixed assets21/28 | €607 | €248 | €0 | - | €1,010 | - |
| Tangible fixed assets22/27 | €607 | €248 | €0 | - | €1,010 | - |
| Furniture and vehicles24 | €607 | €248 | €0 | - | €1,010 | - |
| Current assets29/58 | €156,051 | €136,152 | €135,852 | €144,695 | €140,684 | ▼ 2.8% |
| Amounts receivable after more than one year29 | €117,986 | €103,313 | €90,875 | €93,258 | €95,702 | ▲ 2.6% |
| Other amounts receivable291 | €117,986 | €103,313 | €90,875 | €93,258 | €95,702 | ▲ 2.6% |
| Amounts receivable within one year40/41 | €16,752 | €14,598 | €34,179 | €30,944 | €24,214 | ▼ 21.7% |
| Trade receivables40 | €16,752 | €14,598 | €24,807 | €18,304 | €8,184 | ▼ 55.3% |
| Other amounts receivable41 | - | - | €9,372 | €12,639 | €16,030 | ▲ 26.8% |
| Current investments50/53 | €16,061 | €14,274 | €6,244 | €0 | - | - |
| Cash at bank and in hand54/58 | €3,838 | €2,580 | €3,982 | €19,179 | €19,373 | ▲ 1.0% |
| Deferred charges and accrued income490/1 | €1,414 | €1,386 | €572 | €1,314 | €1,394 | ▲ 6.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €156,658 | €136,399 | €135,852 | €144,695 | €141,694 | ▼ 2.1% |
| Equity10/15 | €120,851 | €89,245 | €101,623 | €124,375 | €133,314 | ▲ 7.2% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €102,259 | €70,653 | €83,031 | €105,783 | €114,722 | ▲ 8.5% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €0 | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €0 | - | - |
| Distributable reserves133 | €100,400 | €68,793 | €81,172 | €105,783 | €114,722 | ▲ 8.5% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €35,807 | €47,155 | €34,229 | €20,321 | €8,380 | ▼ 58.8% |
| Amounts payable within one year42/48 | €35,801 | €47,142 | €33,359 | €20,321 | €8,380 | ▼ 58.8% |
| Financial debts43 | €91 | €3,055 | €1,697 | €4,690 | €0 | ▼ 100% |
| Credit institutions430/8 | €91 | €3,055 | €1,697 | €4,690 | €0 | ▼ 100% |
| Trade debts44 | €11,871 | €14,486 | €18,632 | €10,193 | €8,003 | ▼ 21.5% |
| Suppliers440/4 | €11,871 | €14,486 | €18,632 | €10,193 | €8,003 | ▼ 21.5% |
| Advances received on contracts in progress46 | - | €2,688 | €2,206 | €0 | - | - |
| Taxes, remuneration and social security45 | €10,186 | €10,883 | €10,824 | €5,437 | €377 | ▼ 93.1% |
| Taxes450/3 | €10,186 | €10,883 | €10,824 | €5,437 | €377 | ▼ 93.1% |
| Other amounts payable47/48 | €13,653 | €16,030 | €0 | - | - | - |
| Accrued charges and deferred income492/3 | €5 | €13 | €870 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,699 | €12,219 | €12,378 | €32,958 | €8,940 | ▼ 72.9% |
| + Depreciation and write-downs630 | €1,098 | €359 | €248 | €0 | €158 | - |
| Operating cash flow (approximation) | €3,797 | €12,578 | €12,626 | €32,958 | €9,098 | ▼ 72.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | -€1,258 | €1,402 | €15,197 | €194 | ▼ 98.7% |
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 16.79
Current ratio from 7.12 to 16.79; short-term debt falls from €20,321 to €8,380.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €32,958 ▲166%
Operating result €47,919, net result €32,958, both a record.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100,000Eq €101,623 ▲13.9%
4 profitable years in a row build equity to €101,623.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €8,280
Net result €8,280 after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
31-12
Financial
Weakest financial yearnet -€13,520
Net result drops to -€13,520, the lowest in the series; recovery starts the following year.
Show earlier events
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Nieuwerkerken (Limb.) · 1 establishment unit since 1996
Ground area
1,514 m²
Building footprint
171 m²
Volume, LiDAR
788 m³
Parcel 71045A0196/00V000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Klein Tegelrijstraat 102, 3850 Nieuwerkerken (Limb.)
since 19962.078.500.954
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71045A0196/00V000 | Flanders | 1,514 m² | 1 · 171 m² | 6.8 m · 2 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.
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Of 4,526 companies in sector 74301 we hold annual accounts for 720. 587 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
Founded07-08-1996
Fiscal year end31-12
Activities, NACEBEL 2025
74301Translation services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0458619661
Also
9925:BE0458619661
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.