ABY
ActiveSummary
The computed 12-month bankruptcy probability of ABY is 3.4% (moderate). The 2025 annual accounts show equity of €27k and a net result of €-4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 4603 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-8
Solvency37▼-23
Growth52=
Track record94
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.76 against 1.25 in 2024; short-term debt: 62.7% and cash: 8.5% of total assets), and 87.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
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 2025Solvency, return and age of the figures
Solvency
12.2%
Return on assets
-1.8%
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 24% of 4603 sector peers (2025).
NBB · sector comparisonPosition among 4603 sector peers
Solvency
better than 24%
← 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 03-07-2026, 28 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
28 d early
2024
28 d late
2023
1 d late
2022
5 d early
← 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, micro schema
Equity
€27k▼ 69.3%
2024 · €89k
2022: €25k
2023: €89k
2024: €89k
2022 → 2025
Total assets
€225k▼ 10.8%
2024 · €252k
2022: €64k
2023: €234k
2024: €252k
2022 → 2025
Net result
€-4k▼ 3,130%
2024 · €-126
2022: €18k
2023: €65k
2024: €-126
2022 → 2025
Working capital
€-33k
2024 · €23k
2022: €-995
2023: €33k
2024: €23k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€25k-€89k▲ 262%€89k▼ 0.1%€27k▼ 69.3%
Operating result€22k-€84k▲ 277%€12k▼ 85.2%€8k▼ 36.9%
Net result€18k-€65k▲ 266%€-126€-4k▼ 3,130%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 37% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €225k
Fixed assets
€117k ▼ 13.2%
Current assets
€108k ▼ 8.0%
Equity and liabilities €225k
Equity
€27k ▼ 69.3%
Debt
€197k ▲ 21.4%
Debt's share of the balance-sheet total rises from 64.5% to 87.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€49k▼
2024 · €60k
Cash flow
€37k▼
2024 · €48k
Current ratio
0.76▼
2024 · 1.25
Debt to equity
7.20▲
2024 · 1.82
ROE
-14.9%▼
2024 · -0.1%
ROA
-1.8%▼
2024 · -0.1%
Interest coverage
5.11▼
2024 · 5.79
Debt ≤ 1 year
€141k▲
2024 · €94k
Debt > 1 year
€56k▼
2024 · €69k
Income taxes
€2k▲
2024 · €2k
Staff costs
€54k▼
2024 · €68k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€252k€225k▼
Fixed assets21/28€135k€117k▼
Tangible fixed assets22/27€121k€102k▼
Furniture and vehicles24€11k€5k▼
Leasing and similar rights25€110k€97k▼
Financial fixed assets28€14k€15k▲
Current assets29/58€117k€108k▼
Amounts receivable within one year40/41€94k€88k▼
Trade receivables40€35k€17k▼
Other amounts receivable41€60k€71k▲
Cash at bank and in hand54/58€12k€19k▲
Deferred charges and accrued income490/1€10k-
Equity and liabilities
Total equity and liabilities10/49€252k€225k▼
Equity10/15€89k€27k▼
Contributions10/11€7k€7k=
Profit (loss) carried forward14€82k€20k▼
Amounts payable17/49€162k€197k▲
Amounts payable after more than one year17€69k€56k▼
Financial debts170/4€69k€56k▼
Amounts payable within one year42/48€94k€141k▲
Current portion of amounts payable after more than one year42€28k€40k▲
Financial debts43-€29
Credit institutions430/8-€29
Trade debts44€31k€15k▼
Suppliers440/4€31k€15k▼
Taxes, remuneration and social security45€34k€35k▲
Taxes450/3€28k€25k▼
Remuneration and social security454/9€7k€11k▲
Other amounts payable47/48-€51k
Income statement
Code20242025
Remuneration, social security and pensions62€68k€54k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€41k▼
Other operating charges640/8€7k€19k▲
Gross operating margin9900€135k€121k▼
Operating profit (loss)9901€12k€8k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€2k€-2k▼
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€-126€-4k▼
Profit (loss) for the period to be appropriated9905€-126€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€80k▼
Profit (loss) brought forward from the previous period14P€82k€84k▲
Profit to be distributed694/7-€60k
Return on contributions (dividend)694-€60k
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
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Highest result since 2022net €65k ▲266%
Operating result €84k, net result €65k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Pieters-Leeuw · 1 establishment unit since 2021
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.
Bergensesteenweg 4211600 Sint-Pieters-LeeuwGround area
9,212 m²
Building footprint
1,539 m²
Volume, LiDAR
3,521 m³
2 parcels, Brussels, Flanders · tallest building 20.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
ABY
since 20212.320.615.528
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23582E0505/00E000 | Flanders | 8,312 m² | 1 · 1,330 m² | - |
| 21902A0441/00T000 | Brussels | 900 m² | 1 · 209 m² | 20.4 m · 6 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.
Similar companies · same sector, comparable size
ROZAK
BE 0766.738.280
Brussel · Eq €27,394
TFA GROUP
BE 0753.457.891
Zaventem · Eq €27,385
Romi Photo and Design
BE 0797.388.696
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C&I VERMEIREN
BE 0691.902.582
Hoogstraten · Eq €27,378
SCHOENMAEKERS
BE 0426.234.826
Sint-Gillis-Waas · Eq €27,410
Of 12,604 companies in sector 49410 we hold annual accounts for 8,202. 5,392 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
Founded19-08-2021
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:spoialaabi1988@gmail.com
Phone:0491873973