ABIL
ActiveSummary
ABIL has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €260k and a net result of €43k. Equity is shrinking by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 2276 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+3
Solvency97▲+17
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 1.69 against 1.18 in 2024; short-term debt: 27.7% and cash: 30.4% of total assets), and 27.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
72.3%
Return on assets
12%
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 25-08-2026, 25 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
25 d late
2024
26 d late
2023
27 d late
2022
30 d late
2021
29 d late
2020
27 d late
2019
54 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€43k▲ 12.7%
2024 · €38k
2018: €48k
2019: €37k
2020: €26k
2021: €13k
2022: €14k
2023: €-26k
2024: €38k
2018 → 2025
Working capital
€69k▲ 142%
2024 · €29k
2018: €104k
2019: €167k
2020: €198k
2021: €135k
2022: €75k
2023: €51k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€303k-€274k▼ 9.6%€248k▼ 9.4%€216k▼ 12.8%€260k▲ 20.0%
Operating result€23k-€25k▲ 11.6%€-24k€60k€68k▲ 14.1%
Net result€13k-€14k▲ 14.3%€-26k€38k€43k▲ 12.7%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €359k
Fixed assets
€191k ▼ 6.0%
Current assets
€168k ▼ 11.9%
Equity and liabilities €359k
Equity
€260k ▲ 20.0%
Debt
€99k ▼ 44.0%
Debt's share of the balance-sheet total falls from 45.0% to 27.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€90k▲
2024 · €89k
Cash flow
€65k▼
2024 · €67k
Current ratio
1.69▲
2024 · 1.18
Debt to equity
0.38▼
2024 · 0.82
ROE
16.6%▼
2024 · 17.7%
ROA
12.0%▲
2024 · 9.7%
Interest coverage
66.92▼
2024 · 81.67
Debt ≤ 1 year
€99k▼
2024 · €162k
Income taxes
€24k▲
2024 · €20k
Staff costs
€82k▲
2024 · €80k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€394k€359k▼
Fixed assets21/28€203k€191k▼
Tangible fixed assets22/27€200k€187k▼
Land and buildings22€167k€159k▼
Plant, machinery and equipment23€25k€22k▼
Furniture and vehicles24€8k€7k▼
Financial fixed assets28€3k€3k=
Current assets29/58€191k€168k▼
Amounts receivable within one year40/41€60k€42k▼
Trade receivables40€34k€35k▲
Other amounts receivable41€27k€6k▼
Cash at bank and in hand54/58€106k€109k▲
Deferred charges and accrued income490/1€24k€17k▼
Equity and liabilities
Total equity and liabilities10/49€394k€359k▼
Equity10/15€216k€260k▲
Contributions10/11€68k€68k=
Reserves13€148k€192k▲
Distributable reserves133€148k€192k▲
Amounts payable17/49€177k€99k▼
Amounts payable after more than one year17€15k-
Financial debts170/4€15k-
Amounts payable within one year42/48€162k€99k▼
Current portion of amounts payable after more than one year42€20k€15k▼
Trade debts44€16k€18k▲
Suppliers440/4€16k€18k▲
Advances received on contracts in progress46€34k€37k▲
Taxes, remuneration and social security45€22k€30k▲
Taxes450/3€17k€22k▲
Remuneration and social security454/9€5k€8k▲
Other amounts payable47/48€70k-
Income statement
Code20242025
Remuneration, social security and pensions62€80k€82k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€22k▼
Other operating charges640/8€13k€13k▲
Gross operating margin9900€182k€186k▲
Operating profit (loss)9901€60k€68k▲
Financial income75/76B-€89
Recurring financial income75-€89
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€59k€67k▲
Income taxes67/77€20k€24k▲
Profit (loss) for the period9904€38k€43k▲
Profit (loss) for the period to be appropriated9905€38k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€43k▲
Profit (loss) brought forward from the previous period14P€-7k-
Transfer from equity791/2€70k-
Transfer to equity691/2€31k€43k▲
To other reserves6921€31k€43k▲
Profit to be distributed694/7€70k-
Return on contributions (dividend)694€70k-
Social balance
Average headcount (FTE)90871.61.5▼
The notes to these accounts (6 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 26 days late
2024
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €-26k ▼279%
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 54 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 20 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 21 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 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, Liège · 1 establishment unit since 1998
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.
Rue Louvrex 554000 LiègeGround area
807 m²
Building footprint
128 m²
Volume, LiDAR
2,335 m³
Parcel 62803B0206/00G002, Wallonia · tallest building 26.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
ABIL
since 19982.233.644.140
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62803B0206/00G002 | Wallonia | 807 m² | 1 · 128 m² | 26.3 m · 6 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
Comptoir Général de la Photographie
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PrevEco Consult
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LUPUS
BE 0457.693.708
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Of 11,222 companies in sector 82100 we hold annual accounts for 3,510. 2,343 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-1998
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.