ABC Werkbladen
ActiveABC Werkbladen has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €8k and a net result of €4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 7447 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability32▲+18
Solvency27▼-1
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 1.0 against 0.9 in 2023; short-term debt: 81.4% and cash: 3.5% of total assets), and 98.4% 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
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 · 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
1.6%
Return on assets
0.7%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 7447 sector peers (2024).
NBB · sector comparisonPosition among 7447 sector peers
Solvency
better than 6%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
122 d late
2022
32 d late
2021
31 d late
2020
31 d late
2019
88 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€8k▲ 81.9%
2023 · €4k
2018: €20k
2019: €15k
2020: €-3k
2021: €3k
2022: €11k
2023: €4k
2018 → 2024
Total assets
€508k▲ 229%
2023 · €154k
2018: €26k
2019: €20k
2020: €13k
2021: €39k
2022: €141k
2023: €154k
2018 → 2024
Net result
€4k
2023 · €-6k
2018: €2k
2019: €-6k
2020: €-18k
2021: €7k
2022: €7k
2023: €-6k
2018 → 2024
Working capital
€-2k▲ 88.8%
2023 · €-15k
2018: €20k
2019: €14k
2020: €11k
2021: €3k
2022: €-10k
2023: €-15k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-3k-€3k€11k▲ 207%€4k▼ 57.6%€8k▲ 81.9%
Operating result€-17k-€7k€10k▲ 40.5%€-5k€23k
Net result€-18k-€7k€7k▲ 2.9%€-6k€4k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €23k after a loss of €5k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €508k
Fixed assets
€96k▲ 344%
Current assets
€412k▲ 211%
Equity and liabilities €508k
Equity
€8k▲ 81.9%
Debt
€500k▲ 234%
The debt ratio rises from 97.1% to 98.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€28k▲
2023 · €-2k
Cash flow
€9k▲
2023 · €-3k
Solvency
1.6%▼
2023 · 2.9%
Current ratio
1.00▲
2023 · 0.90
Quick ratio
0.63▲
2023 · 0.61
Debt / equity
61.64▲
2023 · 33.59
ROE
45.0%▲
2023 · -135.7%
ROA
0.7%▲
2023 · -3.9%
Interest coverage
1.45▲
2023 · -1.62
Debt
€500k▲
2023 · €150k
Debt ≤ 1 year
€414k▲
2023 · €147k
Debt > 1 year
€74k
Income taxes
€142
Staff costs
€140k▲
2023 · €82k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€154k€508k▲
Fixed assets21/28€22k€96k▲
Tangible fixed assets22/27€22k€92k▲
Plant, machinery and equipment23-€6k
Furniture and vehicles24€260€8k▲
Other tangible fixed assets26€21k€78k▲
Financial fixed assets28-€4k
Current assets29/58€133k€412k▲
Stocks and contracts in progress3€43k€151k▲
Stocks30/36€43k€151k▲
Amounts receivable within one year40/41€82k€243k▲
Trade receivables40€81k€229k▲
Other amounts receivable41€865€13k▲
Cash at bank and in hand54/58€8k€18k▲
Deferred charges and accrued income490/1€219€1k▲
Equity and liabilities
Total equity and liabilities10/49€154k€508k▲
Equity10/15€4k€8k▲
Contributions10/11€6k€6k=
Reserves13€8k€2k▼
Distributable reserves133€8k€2k▼
Profit (loss) carried forward14€-10k-
Amounts payable17/49€150k€500k▲
Amounts payable after more than one year17-€74k
Financial debts170/4-€74k
Amounts payable within one year42/48€147k€414k▲
Current portion of amounts payable after more than one year42€3k€11k▲
Financial debts43€55k€143k▲
Credit institutions430/8€55k€143k▲
Trade debts44€59k€194k▲
Suppliers440/4€59k€194k▲
Taxes, remuneration and social security45€27k€59k▲
Taxes450/3€14k€40k▲
Remuneration and social security454/9€13k€19k▲
Other amounts payable47/48€3k€8k▲
Accrued charges and deferred income492/3€2k€12k▲
Income statement
Code20232024
Remuneration, social security and pensions62€82k€140k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€1k€6k▲
Gross operating margin9900€81k€174k▲
Operating profit (loss)9901€-5k€23k▲
Financial income75/76B€421€192▼
Recurring financial income75€421€192▼
Financial charges65/66B€1k€19k▲
Recurring financial charges65€1k€19k▲
Profit (loss) for the period before taxes9903€-6k€4k▲
Income taxes67/77-€142
Profit (loss) for the period9904€-6k€4k▲
Profit (loss) for the period to be appropriated9905€-6k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-6k▲
Profit (loss) brought forward from the previous period14P€-4k€-10k▼
Transfer from equity791/2-€6k
Social balance
Average headcount (FTE)90872.63.3▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 122 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
31-12
Financial
Highest result since 2018net €7k ▲2.9%
Net result €7k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 8.18
Current ratio from 3.51 to 8.18; short-term debt falls from €6k to €2k.
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
11-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 133 days late
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 367 days late
2017
05-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 66 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Pelt · 2 establishment units since 2010
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.
Albert Quintinlaan 23900 PeltGround area
2.4 ha
Building footprint
1.1 ha
Volume, LiDAR
76,195 m³
2 parcels, Flanders · tallest building 27.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
ABC Werkbladen
since 20102.191.925.232
ABC Werkbladen
since 20232.350.508.849
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72502E0102/00L147 | Flanders | 1.9 ha | 1 · 1.0 ha | 27.5 m · 2 fl. |
| 72502E0102/00P144 | Flanders | 4,735 m² | 1 · 1,203 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 1,306 EUR awarded · 1,306 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 406 EUR | 406 EUR |
| 2024 | 1 | 900 EUR | 900 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,292 companies in sector 43350 we hold annual accounts for 2,361. 1,300 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2010
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
47529Retail trade
46839Wholesale trade
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.
Contact details
1 entryPhone:0477/735404