ADFIBO SERVICES
ActiveADFIBO SERVICES has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €351k and a net result of €23k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 37% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+2
Solvency65▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity short (current ratio 0.68 against 0.59 in 2024; short-term debt: 12.4% and cash: 1.8% of total assets), and 59.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
40.1%
Return on assets
2.6%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
22 d early
2022
4 d early
2021
32 d early
2020
43 d early
2019
15 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€351k▲ 6.9%
2024 · €328k
2018: €302k
2019: €335k
2020: €347k
2021: €408k
2022: €450k
2023: €507k
2024: €328k
2018 → 2025
Total assets
€875k▼ 1.7%
2024 · €890k
2018: €758k
2019: €764k
2020: €1.01M
2021: €1.12M
2022: €1.12M
2023: €1.09M
2024: €890k
2018 → 2025
Net result
€23k▼ 39.5%
2024 · €38k
2018: €12k
2019: €33k
2020: €12k
2021: €61k
2022: €42k
2023: €58k
2024: €38k
2018 → 2025
Working capital
€-34k▲ 15.0%
2024 · €-41k
2018: €122k
2019: €109k
2020: €84k
2021: €140k
2022: €142k
2023: €155k
2024: €-41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€408k-€450k▲ 10.2%€507k▲ 12.9%€328k▼ 35.3%€351k▲ 6.9%
Operating result€63k-€66k▲ 5.4%€98k▲ 47.6%€64k▼ 34.9%€54k▼ 15.2%
Net result€61k-€42k▼ 31.7%€58k▲ 38.9%€38k▼ 35.1%€23k▼ 39.5%
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 15% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €875k
Fixed assets
€801k▼ 3.8%
Current assets
€74k▲ 27.3%
Equity and liabilities €875k
Equity
€351k▲ 6.9%
Debt
€524k▼ 6.8%
The debt ratio falls from 63.1% to 59.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▼
2024 · €95k
Cash flow
€54k▼
2024 · €69k
Solvency
40.1%▲
2024 · 36.9%
Current ratio
0.68▲
2024 · 0.59
Quick ratio
0.68▲
2024 · 0.59
Debt / equity
1.49▼
2024 · 1.71
ROE
6.5%▼
2024 · 11.4%
ROA
2.6%▼
2024 · 4.2%
Interest coverage
4.06▲
2024 · 3.57
Debt
€524k▼
2024 · €562k
Debt ≤ 1 year
€108k▲
2024 · €98k
Debt > 1 year
€416k▼
2024 · €463k
Income taxes
€10k▼
2024 · €14k
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€890k€875k▼
Fixed assets21/28€832k€801k▼
Tangible fixed assets22/27€830k€798k▼
Land and buildings22€819k€790k▼
Plant, machinery and equipment23€80-
Furniture and vehicles24€5k€2k▼
Other tangible fixed assets26€6k€6k=
Financial fixed assets28€3k€3k=
Current assets29/58€58k€74k▲
Amounts receivable within one year40/41€26k€52k▲
Trade receivables40€20k€52k▲
Other amounts receivable41€6k-
Cash at bank and in hand54/58€29k€16k▼
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€890k€875k▼
Equity10/15€328k€351k▲
Contributions10/11€6k€6k=
Reserves13€253k€276k▲
Distributable reserves133€253k€276k▲
Profit (loss) carried forward14€69k€69k=
Amounts payable17/49€562k€524k▼
Amounts payable after more than one year17€463k€416k▼
Financial debts170/4€463k€416k▼
Amounts payable within one year42/48€98k€108k▲
Current portion of amounts payable after more than one year42€48k€48k=
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€531€3k▲
Taxes450/3€531€822▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€41k€49k▲
Accrued charges and deferred income492/3€293-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€31k▼
Other operating charges640/8€5k€5k▼
Gross operating margin9900€101k€91k▼
Operating profit (loss)9901€64k€54k▼
Financial income75/76B€14k€69▼
Recurring financial income75€14k€69▼
Financial charges65/66B€27k€21k▼
Recurring financial charges65€27k€21k▼
Profit (loss) for the period before taxes9903€51k€33k▼
Income taxes67/77€14k€10k▼
Profit (loss) for the period9904€38k€23k▼
Profit (loss) for the period to be appropriated9905€38k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€106k€91k▼
Profit (loss) brought forward from the previous period14P€69k€69k=
Transfer to equity691/2€38k€23k▼
To other reserves6921€38k€23k▼
The notes to these accounts (6 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €500kEq €507k ▲12.9%
6 profitable years in a row build equity to €507k.
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €61k ▲400%
Net result €61k, the highest in the series.
18-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Tervuren · 1 establishment unit since 2002
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.
Kolvenrodestraat 203080 TervurenGround area
758 m²
Building footprint
182 m²
Volume, LiDAR
1,008 m³
Parcel 24114B0145/00P000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Huis V
since 20022.115.436.376
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24114B0145/00P000 | Flanders | 758 m² | 1 · 181 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 81 EUR awarded · 81 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 81 EUR | 81 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 37,203 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2002
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
46170Agents in the wholesale of food, beverages and tobacco
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.