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Ad Flumine

Active
Private limited companyfounded 2021active for 5 yearsZwartzustersstraat 16, 3000 Leuven, Belgium10 active companies are registered at this addressKBO/BCE: BE 0772.824.734
Summary

The computed 12-month bankruptcy probability of Ad Flumine is 1.9% (moderate). The 2024 annual accounts show equity of €55,377 and a net result of -€26,687. Equity is growing by about 6.7% per year across the filed financial years. Its solvency ranks better than 89% of 20,550 sector peers (NACE 62, financial year 2024). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
Ad FlumineActiveChecked score 55/100
Risk analysis ReportCompare

Overview

Activity
Computer consultancy and computer facilities management
NACE 62200
1 site
Size
€61,148total assets 2024
Equity
€55,377
Loss
-€26,687
Turnover not published (micro format)
Financial health
55 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
1.9%
Structure
Accounts 75 days overdue1 of 2 deeds read
Why 55raises riskFigures for financial year 2024 (filed 23-09-2025)1 change of registered office in 24 months1 financial year not filed after the legal deadline; latest accounts 50 days late; 1 of the last 3 latelowers riskSector: Computer programming, consultancy and related activities (NACE 62)Show the evidence

Checked score

Score 2024
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 49% of its sector peers (NACE 62, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Strong
Solvency 100=
equity 90.6% of total assets
Liquidity 97-1
short-term debt 9.4% · cash 37.3%
Profitability 0-100
return on assets -43.6%
Bankruptcy probability, 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,858 companies, NACE 62, micro)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025lowest value 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: 0.1%▲ +0.1 percentage points vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.4%▲ +0.3 percentage points vs 06-2026 08-2026: 0.7%▲ +0.3 percentage points vs 07-2026 09-2026: 0.9%▲ +0.2 percentage points vs 08-2026 10-2026: 1.9%▲ +1.0 percentage point vs 09-2026highest value
Credit of up to €3,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity ample (current ratio 10.33, compared with 7.14 in 2023, above the usual 1.5; short-term debt: 9.4% and cash: 37.3% of total assets), and 9.4% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro): better than 85% on solvency, 87% on liquidity, 5% on profitability and 20% on growth.

The bankruptcy probability was computed on 14-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Figures for financial year 2024 (filed 23-09-2025)
NBB · annual accounts
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · 1 financial year not filed after the legal deadline; latest accounts 50 days late; 1 of the last 3 late
NBB · filings
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 75 days later.
NBB · 3 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline14-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-09-2025, 50 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filings
Deviation from the deadline
2025
not filed
2024
50 days late
2023
30 days late
2022
22 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 34 days after the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Registered officeRegistered-office move
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Weakest financial yearnet -€26,687

Key points

  • Caution: From profit to loss in 2024after €34,068 in 2023 -€26,687 View
  • Caution: Among the weakest 5% on net resultsector median €27,553 · 20,551 companies -€26,687 View
  • Caution: Accounts not fileddeadline was 31-07-2026 75 days late View

By topic

Financials

Financial year
2024
Total assets
€61,148
Loss
-€26,687
Solvency
90.6%
Total assets▼ 35.9%
Net result
20222024
Go to Financials

Timeline

Events
6
Since
2023
  1. 30-08-2024Annual accounts filed
  2. 31-12-2023Liquidity more than doubled
  3. 22-08-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Computer consultancy and computer facilities managementNACE 62200
Founded
24-08-2021
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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