Ad Néo
ActiveThe computed 12-month bankruptcy probability of Ad Néo is 2.1% (moderate). The 2025 annual accounts show equity of €6k and a net result of €28k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 14% of 7431 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+8
Solvency28▼-65
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7431 sector peers (2025).
NBB · sector comparisonPosition among 7431 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
40 d early
2024
3 d early
2023
23 d early
2022
46 d early
2021
124 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▼ 95.5%
2024 · €132k
2021: €78k
2022: €114k
2023: €118k
2024: €132k
2021 → 2025
Total assets
€205k▲ 4.9%
2024 · €196k
2021: €142k
2022: €169k
2023: €163k
2024: €196k
2021 → 2025
Net result
€28k▲ 105%
2024 · €14k
2021: €73k
2022: €37k
2023: €4k
2024: €14k
2021 → 2025
Working capital
€-32k
2024 · €93k
2021: €64k
2022: €84k
2023: €82k
2024: €93k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€78k-€114k▲ 46.7%€118k▲ 3.4%€132k▲ 11.7%€6k▼ 95.5%
Operating result€93k-€46k▼ 50.6%€6k▼ 87.5%€13k▲ 133%€40k▲ 201%
Net result€73k-€37k▼ 48.9%€4k▼ 89.5%€14k▲ 255%€28k▲ 105%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 201% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €205k
Fixed assets
€58k▼ 18.0%
Current assets
€147k▲ 18.0%
Equity and liabilities €205k
Equity
€6k▼ 95.5%
Debt
€199k▲ 214%
The debt ratio rises from 32.4% to 97.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€56k▲
2024 · €34k
Cash flow
€44k▲
2024 · €35k
Solvency
2.9%▼
2024 · 67.6%
Current ratio
0.82▼
2024 · 3.90
Quick ratio
0.82▼
2024 · 3.90
Debt / equity
33.21▲
2024 · 0.48
ROE
473.4%▲
2024 · 10.5%
ROA
13.8%▲
2024 · 7.1%
Interest coverage
42.50▲
2024 · 22.89
Debt
€199k▲
2024 · €63k
Debt ≤ 1 year
€178k▲
2024 · €32k
Debt > 1 year
€20k▼
2024 · €32k
Income taxes
€11k▲
2024 · €86
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€196k€205k▲
Fixed assets21/28€71k€58k▼
Tangible fixed assets22/27€71k€58k▼
Land and buildings22€24k€23k▼
Furniture and vehicles24€48k€36k▼
Current assets29/58€124k€147k▲
Amounts receivable after more than one year29€35k-
Trade receivables290€35k-
Amounts receivable within one year40/41€59k€12k▼
Trade receivables40€22k€6k▼
Other amounts receivable41€37k€6k▼
Cash at bank and in hand54/58€29k€133k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€196k€205k▲
Equity10/15€132k€6k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€126k-
Amounts payable17/49€63k€199k▲
Amounts payable after more than one year17€32k€20k▼
Financial debts170/4€32k€20k▼
Amounts payable within one year42/48€32k€178k▲
Current portion of amounts payable after more than one year42€15k€11k▼
Trade debts44€10k€6k▼
Suppliers440/4€10k€6k▼
Taxes, remuneration and social security45€7k€13k▲
Taxes450/3€3k€11k▲
Remuneration and social security454/9€4k€2k▼
Other amounts payable47/48-€149k
Accrued charges and deferred income492/3-€384
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€16k▼
Other operating charges640/8€1k€560▼
Gross operating margin9900€35k€56k▲
Operating profit (loss)9901€13k€40k▲
Financial income75/76B€2k€633▼
Recurring financial income75€2k€633▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€14k€39k▲
Income taxes67/77€86€11k▲
Profit (loss) for the period9904€14k€28k▲
Profit (loss) for the period to be appropriated9905€14k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€126k€155k▲
Profit (loss) brought forward from the previous period14P€112k€126k▲
Profit to be distributed694/7-€155k
Return on contributions (dividend)694-€155k
The notes to these accounts (8 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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €4k ▼89.5%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
2022
16-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Equity above €100kEq €114k ▲46.7%
2 profitable years in a row build equity to €114k.
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Chaumont-Gistoux · 1 establishment unit since 2019
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.
Chaussée de Huy 3681325 Chaumont-GistouxGround area
1,119 m²
Building footprint
217 m²
Volume, LiDAR
1,555 m³
2 parcels, Flanders, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ad Néo
since 20192.297.765.692
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25018F0061/00L000 | Wallonia | 934 m² | 1 · 132 m² | 8.8 m · 3 fl. |
| 23033B0321/00L002 | Flanders | 185 m² | 1 · 85 m² | 11.4 m · 3 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.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 7,206 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2019
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.