AD ELEC

Active

Private limited companyfounded 198243 yrs activeTerhulpensesteenweg 382, 3090 Overijse, BelgiumKBO/BCE: BE 0423.759.742

Summary

AD ELEC has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46,970 and a net result of -€637. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch Report Compare

AD ELECActiveChecked score 84/100

Risk analysis Report Compare

Activity

General electrical installation work

NACE 43211NACE 45310

#5 oldest company in Overijse, Construction sector1 site

Size

€97,639total assets 2025

Staff: 1.9 FTE
Equity: €46,970
Loss: -€637

Turnover not published (abridged schema)

Financial health

84 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.3%

Structure

Parent: COMFORT HOME DUPONT & C° · 100%

Accounts 1 d early0 of 5 deeds read

Why 84- Sector Specialised construction activities (NACE 43)- Loss of €637 (FY 2025)+ Founded in 1982+ Liquidity: current ratio 1.77, cash €11,854, halvedShow the evidence

Checked score

Score 2025

84 / 100

Excellent

Probability in this band: under 0.55%

Better than 36% of its sector peers (NACE 43, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 73-2

equity 48.1% of total assets

Liquidity 46-29

short-term debt 41.4% · cash 12.1%

Profitability 50-28

return on assets -0.7%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,004 companies)

Last 14 months 09-2025: 0.2% 10-2025: 0.2%● 0.0% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%▼ -0.8% vs 12-2025 02-2026: 0.2%▼ -2.1% vs 01-2026 03-2026: 0.2%▼ -0.9% vs 02-2026 04-2026: 0.2%▲ +0.4% vs 03-2026 05-2026: 0.2%▼ -1.3% vs 04-2026 06-2026: 0.2%▼ -4.8% vs 05-2026lowest value 07-2026: 0.2%▲ +3.2% vs 06-2026 08-2026: 0.3%▲ +32.2% vs 07-2026highest value 09-2026: 0.3%● 0.0% vs 08-2026highest value 10-2026: 0.3%● 0.0% vs 09-2026highest value

Sector Specialised construction activities (NACE 43) raises the probability
Founded in 1982 lowers the probability for this profile
Loss of €637 (FY 2025) raises the probability
Liquidity: current ratio 1.77, cash €11,854, halved lowers the probability

Credit up to €3,500 at 30 days acceptable

Liquidity ample (current ratio 1.77 against 1.95 in 2024; short-term debt: 41.4% and cash: 12.1% of total assets), but 51.9% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 52%, liquidity 36%, profitability 24%, growth against the median 32%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Specialised construction activities (NACE 43)

In the bankruptcy model this factor raises the probability.

KBO

Founded in 1982

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Loss of €637 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Liquidity: current ratio 1.77, cash €11,854, halved

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

1 d early

2024

37 d early

2023

1 d early

2022

31 d late

2021

23 d late

2020

12 d late

2019

5 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 5 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)

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 31 July (4 of the last 5 filed years within 31 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

30-07-26 Annual accounts filedfiscal year 2025 · micro…
24-06-25 Annual accounts filedfiscal year 2024 · abbreviated…
30-07-24 Annual accounts filedfiscal year 2023 · micro…

Key points

Positive: Oldest company in Overijse, Construction sectorin the Checked rankings #5 View
Controlled by COMFORT HOME DUPONT &… 100% View
Active since 1982founded 15-12-1982 43 years View