AB4U
ActiveSummary
AB4U has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €128,112 and a net result of €68,771. Equity is growing by ~19.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency81▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 1.76 against 2.03 in 2023; short-term debt: 43.8% and cash: 44.3% of total assets), and 43.8% of the assets are financed with debt.
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Signals
Four 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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 16-06-2026, 45 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
45 d early
2024
7 d early
2023
2 d late
2022
25 d early
2021
52 d early
2020
209 d late
2019
31 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 16 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. Usually files around 6 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
Equity
€128,112▼ 16.5%
2023 · €153,340
Total assets
€227,950▼ 5.3%
2023 · €240,687
Net result
€68,771▼ 13.2%
2023 · €79,215
Working capital
€76,102▼ 15.3%
2023 · €89,834
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€64,325▲ 68.1%€89,103▲ 38.5%€92,934▲ 4.3%€100,431▲ 8.1%€86,130▼ 14.2%
Net result€45,793within the sector's middle half▲ 70.8%€70,191above the sector's middle half▲ 53.3%€66,732above the sector's middle half▼ 4.9%€79,215above the sector's middle half▲ 18.7%€68,771above the sector's middle half▼ 13.2%
Equity€74,002within the sector's middle half▲ 155%€143,394within the sector's middle half▲ 93.8%€209,326within the sector's middle half▲ 46.0%€153,340within the sector's middle half▼ 26.7%€128,112within the sector's middle half▼ 16.5%
Total assets€111,818within the sector's middle half▲ 111%€177,042within the sector's middle half▲ 58.3%€224,060within the sector's middle half▲ 26.6%€240,687within the sector's middle half▲ 7.4%€227,950within the sector's middle half▼ 5.3%
Debt€37,815▲ 57.2%€33,648▼ 11.0%€14,734▼ 56.2%€87,346▲ 493%€99,838▲ 14.3%
Working capital€70,072within the sector's middle half▲ 142%€140,024above the sector's middle half▲ 99.8%€201,269above the sector's middle half▲ 43.7%€89,834within the sector's middle half▼ 55.4%€76,102within the sector's middle half▼ 15.3%
Solvency66.2%within the sector's middle half▲ 11.5pp81.0%above the sector's middle half▲ 14.8pp93.4%above the sector's middle half▲ 12.4pp63.7%within the sector's middle half▼ 29.7pp56.2%within the sector's middle half▼ 7.5pp
Current ratio2.85within the sector's middle half▲ 0.655.16above the sector's middle half▲ 2.3114.66above the sector's middle half▲ 9.502.03within the sector's middle half▼ 12.631.76within the sector's middle half▼ 0.27
Return on assets (ROA)41.0%above the sector's middle half▼ 9.6pp39.6%above the sector's middle half▼ 1.3pp29.8%above the sector's middle half▼ 9.9pp32.9%above the sector's middle half▲ 3.1pp30.2%within the sector's middle half▼ 2.7pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
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 2024; 2024 is 14% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €227,950
Fixed assets
€52,010 ▼ 18.1%
Current assets
€175,940 ▼ 0.7%
Equity and liabilities €227,950
Equity
€128,112 ▼ 16.5%
Debt
€99,838 ▲ 14.3%
Debt's share of the balance-sheet total rises from 36.3% to 43.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€100,560▼
2023 · €107,797
Cash flow
€83,202▼
2023 · €86,581
Debt to equity
0.78▲
2023 · 0.57
ROE
53.7%▲
2023 · 51.7%
Interest coverage
1052.76▲
2023 · 536.39
Debt ≤ 1 year
€99,838▲
2023 · €87,346
Income taxes
€18,530▼
2023 · €21,749
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 26,975 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €754 | €1,546 | €2,857 | €7,366 | €14,430 | ▲ 95.9% |
| Other operating charges640/8 | - | €1,400 | €1,611 | €917 | €737 | ▼ 19.6% |
| Non-recurring operating charges66A | - | - | - | €1,558 | - | - |
| Gross operating margin9900 | €66,010 | €92,049 | €97,402 | €110,272 | €101,297 | ▼ 8.1% |
| Operating profit (loss)9901 | €64,325 | €89,103 | €92,934 | €100,431 | €86,130 | ▼ 14.2% |
| Financial income75/76B | - | €187 | €582 | €734 | €1,267 | ▲ 72.7% |
| Recurring financial income75 | - | €187 | €582 | €734 | €1,267 | ▲ 72.7% |
| Financial charges65/66B | - | €384 | €183 | €201 | €96 | ▼ 52.5% |
| Recurring financial charges65 | €488 | €384 | €183 | €201 | €96 | ▼ 52.5% |
| Profit (loss) for the period before taxes9903 | €63,838 | €88,906 | €93,333 | €100,964 | €87,301 | ▼ 13.5% |
| Income taxes67/77 | €18,044 | €18,715 | €26,601 | €21,749 | €18,530 | ▼ 14.8% |
| Profit (loss) for the period9904 | €45,793 | €70,191 | €66,732 | €79,215 | €68,771 | ▼ 13.2% |
| Profit (loss) for the period to be appropriated9905 | €45,793 | €70,191 | €66,732 | €79,215 | €68,771 | ▼ 13.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €111,818 | €177,042 | €224,060 | €240,687 | €227,950 | ▼ 5.3% |
| Fixed assets21/28 | €3,930 | €3,370 | €8,056 | €63,506 | €52,010 | ▼ 18.1% |
| Tangible fixed assets22/27 | €3,930 | €3,370 | €8,056 | €63,506 | €52,010 | ▼ 18.1% |
| Plant, machinery and equipment23 | - | €878 | €2,590 | €180 | €64 | ▼ 64.3% |
| Furniture and vehicles24 | - | €2,492 | €5,466 | €57,745 | €44,649 | ▼ 22.7% |
| Other tangible fixed assets26 | - | - | - | €5,581 | €7,297 | ▲ 30.7% |
| Current assets29/58 | €107,887 | €173,672 | €216,003 | €177,181 | €175,940 | ▼ 0.7% |
| Amounts receivable within one year40/41 | €20,792 | €38,985 | €25,246 | €33,280 | €26,133 | ▼ 21.5% |
| Trade receivables40 | - | €38,970 | €25,246 | €33,176 | €19,283 | ▼ 41.9% |
| Other amounts receivable41 | - | €16 | - | €103 | €6,850 | ▲ 6,532% |
| Current investments50/53 | - | €19,000 | €46,100 | €46,100 | €46,100 | = |
| Cash at bank and in hand54/58 | €84,576 | €113,531 | €142,659 | €94,381 | €100,992 | ▲ 7.0% |
| Deferred charges and accrued income490/1 | - | €2,156 | €1,998 | €3,420 | €2,715 | ▼ 20.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €111,818 | €177,042 | €224,060 | €240,687 | €227,950 | ▼ 5.3% |
| Equity10/15 | €74,002 | €143,394 | €209,326 | €153,340 | €128,112 | ▼ 16.5% |
| Contributions10/11 | - | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €70,900 | €70,900 | €137,600 | €137,600 | €111,600 | ▼ 18.9% |
| Distributable reserves133 | - | €70,900 | €137,600 | €137,600 | €111,600 | ▼ 18.9% |
| Profit (loss) carried forward14 | €102 | €69,494 | €68,726 | €12,740 | €13,512 | ▲ 6.1% |
| Amounts payable17/49 | €37,815 | €33,648 | €14,734 | €87,346 | €99,838 | ▲ 14.3% |
| Amounts payable within one year42/48 | €37,815 | €33,648 | €14,734 | €87,346 | €99,838 | ▲ 14.3% |
| Financial debts43 | - | - | - | €2,290 | €389 | ▼ 83.0% |
| Credit institutions430/8 | - | - | - | €2,290 | €389 | ▼ 83.0% |
| Trade debts44 | €3,149 | €4,154 | €5,958 | €2,430 | €219 | ▼ 91.0% |
| Suppliers440/4 | - | €4,154 | €5,958 | €2,430 | €219 | ▼ 91.0% |
| Taxes, remuneration and social security45 | - | €28,779 | €6,479 | €17,274 | €16,252 | ▼ 5.9% |
| Taxes450/3 | - | €28,779 | €6,479 | €17,274 | €16,252 | ▼ 5.9% |
| Other amounts payable47/48 | - | €715 | €2,296 | €65,353 | €82,977 | ▲ 27.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €45,793 | €70,191 | €66,732 | €79,215 | €68,771 | ▼ 13.2% |
| + Depreciation and write-downs630 | €754 | €1,546 | €2,857 | €7,366 | €14,430 | ▲ 95.9% |
| Operating cash flow (approximation) | €46,547 | €71,737 | €69,589 | €86,581 | €83,202 | ▼ 3.9% |
| Investment in fixed assets (approximation) | - | -€986 | -€7,543 | -€62,816 | -€2,934 | ▲ 95.3% |
| Change in cash | - | €28,955 | €29,128 | -€48,279 | €6,612 | ▲ 114% |
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
16-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
31-12
Financial
Highest result since 2019net €79,215 ▲18.7%
Operating result €100,431, net result €79,215, both a record.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 14.66
Current ratio from 5.16 to 14.66; short-term debt falls from €33,648 to €14,734.
31-12
Financial
Equity above €200,000Eq €209,326 ▲46%
4 profitable years in a row build equity to €209,326.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
25-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 209 days late
2021
31-12
Financial
Equity above €100,000Eq €143,394 ▲93.8%
3 profitable years in a row build equity to €143,394.
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
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, Genappe · 1 establishment unit since 2019
Ground area
1,953 m²
Building footprint
166 m²
Volume, LiDAR
793 m³
Parcel 25013B0112/00P003, Wallonia · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
AB4U
since 20192.289.913.048
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25013B0112/00P003 | Wallonia | 1,953 m² | 1 · 166 m² | 11.6 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 82,646 companies in sector 70200 we hold annual accounts for 52,627. 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
Founded27-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
95100Repair and maintenance of computers and communication equipment
Contact
E-mail
ab4u.srl@gmail.com
E-mail
Ariane.BOUZETTE@jolimont.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0727534642
Registered
18-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.