ADB Interior
ActiveSummary
ADB Interior has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €698,794 and a net result of €331,464. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 10485 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability86▲+13
Solvency54▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50,000 at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.43 in 2024; short-term debt: 28.8% and cash: 22.4% of total assets), and 70.7% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
29.3%
Return on assets
13.9%
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
45 d early
2023
90 d late
2022
32 d late
2021
45 d late
2020
24 d early
2019
32 d early
← 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 13 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€331,464▲ 362%
2024 · €71,738
Working capital
€295,574▲ 35.4%
2024 · €218,230
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€33,735▲ 5.0%€60,839▲ 80.3%€323,532▲ 432%€101,564▼ 68.6%€503,963▲ 396%
Net result€21,411▲ 33.2%€38,565▲ 80.1%€204,103▲ 429%€71,738▼ 64.9%€331,464▲ 362%
Equity€226,220▲ 10.5%€264,785▲ 17.0%€468,888▲ 77.1%€573,554▲ 22.3%€698,794▲ 21.8%
Total assets€1.1m▲ 41.2%€2.0m▲ 78.1%€2.2m▲ 6.7%€2.2m▲ 1.3%€2.4m▲ 7.9%
Debt€921,328▲ 51.6%€1.8m▲ 93.0%€1.6m▼ 8.8%€1.5m▼ 7.8%€1.6m▲ 4.5%
Working capital€46,544▼ 62.3%-€128,344€90,428€218,230▲ 141%€295,574▲ 35.4%
Staff (FTE)3=4▲ 33.3%6.4▲ 60.0%8.5▲ 32.8%9.7▲ 14.1%
Why a figure moved sharply
- 2025 Net result +362% on 2024. The accounts now follow the abbreviated schema, last year the full schema.
- 2023 Net result +429% on 2022. The accounts now follow the full schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 396% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.4m
Fixed assets
€1.4m ▼ 5.3%
Current assets
€981,692 ▲ 34.9%
Equity and liabilities €2.4m
Equity
€698,794 ▲ 21.8%
Provisions
€123,249 ▼ 12.1%
Debt
€1.6m ▲ 4.5%
Debt's share of the balance-sheet total falls from 67.7% to 65.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€616,765▲
2024 · €237,861
Cash flow
€444,266▲
2024 · €208,035
Current ratio
1.43▲
2024 · 1.43
Debt to equity
2.23▼
2024 · 2.61
ROE
47.4%▲
2024 · 12.5%
ROA
13.9%▲
2024 · 3.2%
Interest coverage
8.30▲
2024 · 6.53
Debt ≤ 1 year
€686,118▲
2024 · €509,538
Debt > 1 year
€875,257▼
2024 · €985,104
Income taxes
€114,629▲
2024 · €14,338
Staff costs
€612,634▲
2024 · €535,144
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,811 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 95% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
0.8%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,811 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €9,250 | - | €4,103 | - | - | - |
| Remuneration, social security and pensions62 | €189,326 | €262,164 | €461,526 | €535,144 | €612,634 | ▲ 14.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €116,221 | €159,878 | €134,654 | €136,297 | €112,802 | ▼ 17.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €23,382 | -€17,217 | ▼ 174% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | €55,435 | -€13,121 | ▼ 124% |
| Other operating charges640/8 | €1,761 | €3,279 | €20,372 | €16,606 | €8,928 | ▼ 46.2% |
| Gross operating margin9900 | €341,043 | €486,158 | €940,084 | €868,428 | €1.2m | ▲ 39.1% |
| Operating profit (loss)9901 | €33,735 | €60,839 | €323,532 | €101,564 | €503,963 | ▲ 396% |
| Financial income75/76B | - | - | €2,495 | €17,090 | €12,559 | ▼ 26.5% |
| Recurring financial income75 | - | - | €2,495 | €17,090 | €12,559 | ▼ 26.5% |
| Financial charges65/66B | €12,324 | €22,273 | €32,584 | €36,433 | €74,283 | ▲ 104% |
| Recurring financial charges65 | €12,324 | €22,273 | €32,584 | €36,433 | €74,283 | ▲ 104% |
| Profit (loss) for the period before taxes9903 | €21,411 | €38,565 | €293,442 | €82,222 | €442,239 | ▲ 438% |
| Transfer from deferred taxes780 | - | - | €7,708 | €3,854 | €3,854 | = |
| Transfer to deferred taxes680 | - | - | €96,351 | - | - | - |
| Income taxes67/77 | - | - | €695 | €14,338 | €114,629 | ▲ 699% |
| Profit (loss) for the period9904 | €21,411 | €38,565 | €204,103 | €71,738 | €331,464 | ▲ 362% |
| Transfer from tax-exempt reserves789 | - | - | €23,124 | €11,562 | €11,562 | = |
| Transfer to tax-exempt reserves689 | - | - | €289,053 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €21,411 | €38,565 | -€61,825 | €83,300 | €343,026 | ▲ 312% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €2.0m | €2.2m | €2.2m | €2.4m | ▲ 7.9% |
| Fixed assets21/28 | €770,078 | €1.7m | €1.5m | €1.5m | €1.4m | ▼ 5.3% |
| Tangible fixed assets22/27 | €770,028 | €1.7m | €1.5m | €1.5m | €1.4m | ▼ 4.4% |
| Land and buildings22 | €555,873 | €1.4m | €1.2m | €1.2m | €1.1m | ▼ 3.6% |
| Plant, machinery and equipment23 | €172,575 | €115,514 | €62,805 | €15,405 | €6,089 | ▼ 60.5% |
| Furniture and vehicles24 | €21,832 | €19,212 | €42,199 | €29,699 | €52,401 | ▲ 76.4% |
| Leasing and similar rights25 | - | €107,096 | €95,196 | €176,670 | €150,386 | ▼ 14.9% |
| Other tangible fixed assets26 | €19,748 | €34,644 | €77,781 | €72,666 | €63,864 | ▼ 12.1% |
| Financial fixed assets28 | €50 | €50 | €15,050 | €15,050 | €50 | ▼ 99.7% |
| Current assets29/58 | €377,470 | €368,668 | €697,494 | €727,768 | €981,692 | ▲ 34.9% |
| Stocks and contracts in progress3 | €35,600 | €169,845 | - | - | - | - |
| Stocks30/36 | €35,600 | €169,845 | - | - | - | - |
| Amounts receivable within one year40/41 | €128,155 | €186,921 | €406,667 | €284,254 | €420,648 | ▲ 48.0% |
| Trade receivables40 | €81,531 | €140,442 | €333,412 | €212,406 | €268,234 | ▲ 26.3% |
| Other amounts receivable41 | €46,624 | €46,479 | €73,255 | €71,849 | €152,414 | ▲ 112% |
| Current investments50/53 | - | - | €230,007 | €373,000 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €213,715 | €11,490 | €59,752 | €61,179 | €533,668 | ▲ 772% |
| Deferred charges and accrued income490/1 | - | €412 | €1,067 | €9,335 | €27,376 | ▲ 193% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €2.0m | €2.2m | €2.2m | €2.4m | ▲ 7.9% |
| Equity10/15 | €226,220 | €264,785 | €468,888 | €573,554 | €698,794 | ▲ 21.8% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | €18,600 | - | - | - | - |
| Issued capital100 | €18,600 | €18,600 | - | - | - | - |
| Reserves13 | €1,860 | €1,860 | €267,789 | €256,227 | €244,665 | ▼ 4.5% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | - | - | €265,929 | €254,367 | €242,805 | ▼ 4.5% |
| Profit (loss) carried forward14 | €205,760 | €244,325 | €182,499 | €205,800 | €346,826 | ▲ 68.5% |
| Investment grants15 | - | - | - | €92,928 | €88,704 | ▼ 4.5% |
| Provisions and deferred taxes16 | - | - | €88,643 | €140,224 | €123,249 | ▼ 12.1% |
| Provisions for liabilities and charges160/5 | - | - | - | €55,435 | €42,314 | ▼ 23.7% |
| Other liabilities and charges164/5 | - | - | - | €55,435 | €42,314 | ▼ 23.7% |
| Deferred taxes168 | - | - | €88,643 | €84,789 | €80,935 | ▼ 4.5% |
| Amounts payable17/49 | €921,328 | €1.8m | €1.6m | €1.5m | €1.6m | ▲ 4.5% |
| Amounts payable after more than one year17 | €590,402 | €1.3m | €1.0m | €985,104 | €875,257 | ▼ 11.2% |
| Financial debts170/4 | €590,402 | €1.3m | €1.0m | €985,104 | €875,257 | ▼ 11.2% |
| Amounts payable within one year42/48 | €330,926 | €497,013 | €607,067 | €509,538 | €686,118 | ▲ 34.7% |
| Current portion of amounts payable after more than one year42 | €85,624 | €96,585 | €100,704 | €106,389 | €109,847 | ▲ 3.3% |
| Financial debts43 | - | - | - | - | €5,885 | - |
| Credit institutions430/8 | - | - | - | - | €5,885 | - |
| Trade debts44 | €104,369 | €86,874 | €460,861 | €192,500 | €144,765 | ▼ 24.8% |
| Suppliers440/4 | €104,369 | €86,874 | €460,861 | €192,500 | €144,765 | ▼ 24.8% |
| Advances received on contracts in progress46 | €20,500 | - | - | €45,104 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €15,933 | €18,053 | €45,501 | €76,412 | €159,741 | ▲ 109% |
| Taxes450/3 | €7,685 | €4,185 | €3,745 | €20,720 | €94,972 | ▲ 358% |
| Remuneration and social security454/9 | €8,248 | €13,869 | €41,757 | €55,692 | €64,769 | ▲ 16.3% |
| Other amounts payable47/48 | €104,500 | €295,500 | - | €89,133 | €265,879 | ▲ 198% |
| Accrued charges and deferred income492/3 | - | - | - | €293 | €264 | ▼ 9.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,411 | €38,565 | €204,103 | €71,738 | €331,464 | ▲ 362% |
| + Depreciation and write-downs630 | €116,221 | €159,878 | €134,654 | €136,297 | €112,802 | ▼ 17.2% |
| Operating cash flow (approximation) | €137,632 | €198,443 | €338,757 | €208,035 | €444,266 | ▲ 114% |
| Investment in fixed assets (approximation) | - | -€1.1m | €58,042 | -€135,304 | -€33,847 | ▲ 75.0% |
| Change in cash | - | -€202,226 | €48,263 | €1,427 | €472,489 | ▲ 33,015% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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
17-08
State Gazette act
Resignation: Robert AMAТО (director)Appointment: AMA STUDIO SRL (director) · Permanent representative: Julie AMАТO · Director discharge6 facts ▸
State Gazette act
Resignation: Robert AMAТО (director)
Appointment: AMA STUDIO SRL (director) · Permanent representative: Julie AMАТO · Director discharge6 facts ▸
- General meeting, 05-06-2026
- Director resignation, Robert AMAТО (director)
- Director discharge, Robert AMAТО (director)
- Director appointment, AMA STUDIO SRL (director)
- Permanent representative, Julie AMАТO (permanent representative)
- Director in office, Alexandre AMATO (director)
2025
31-12
Financial
Highest result since 2018net €331,464 ▲362%
Operating result €503,963, net result €331,464, both a record.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €500,000Eq €573,554 ▲22.3%
6 profitable years in a row build equity to €573,554.
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 90 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
14-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 45 days late
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200,000Eq €204,808 ▲8.5%
2 profitable years in a row build equity to €204,808.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €19,009
Net result €19,009 after one loss-making year.
Show earlier events
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
1 director, last change in 2026
Board 1
AMA STUDIO
CurrentDirector · since 17-08-2026 · Private limited company · perm. rep.: Julie AMАТO
Permanent representatives 1
Julie AMАТO
CurrentPermanent representative · since 17-08-2026 · for AMA STUDIO
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
5 of this company's 6 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Gembloux · 1 establishment unit since 2004
Ground area
3,747 m²
Building footprint
882 m²
Parcel 92253D0229/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ADB PRO CUISINES
since 20042.137.425.385
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92253D0229/00L000 | Wallonia | 3,747 m² | 1 · 882 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
2 people since 2026, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| AMA STUDIO |
|
| Robert AMAТО |
|
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 1
- ADB CREATIVE STUDIOsubsidiaryEquity €19,043Result €31,376100%
According to the 2024 annual accounts of ADB Interior and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
1 current directorThe group is listed under Ownership & control below; here you explore it as a network.
This company
Company
Director
Shareholding
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Click a node to look further, drag to arrange, scroll to zoom.
Recognitions · licences · registrations
Legal Entity Identifier
984500DC8DB408A09B09
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Identification & contact
Identification
Legal formPrivate limited company
Founded09-06-2004
Fiscal year end31-12
Activities, NACEBEL 2025
47540Retail sale of electrical household appliances
47551Retail sale of household furniture
47552Retail sale of lighting equipment
Contact
E-mail
amato-robert@skynet.beGembloux
Phone
0475/923471Gembloux
Fax
010/616865Gembloux
E-invoicing
Reachable via Peppol
Peppol ID
0208:0865698472
Also
9925:BE0865698472
Registered
07-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.