Skip to content

ADRIVANO

Active
Public limited companyfounded 199828 yrs activeOudebaan 4, 2520 Ranst, BelgiumKBO/BCE: BE 0464.054.037

ADRIVANO has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €509k and a net result of €95k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 52% of 9098 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
91 / 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+8
Solvency75=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 3.67 against 4.89 in 2024), but 66.3% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.
lowers riskneutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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 date
Age against the risk zone
elevated failure risk from 2 to 8 years 28 years 0 30 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
33.7%
Return on assets
6.3%
Age of the figures
8 mo
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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 filings
Deviation from the deadline
2025
18 d late
2024
29 d late
2023
on the day
2022
114 d late
2021
479 d late
2020
120 d early
2019
14 d early
← before the deadline after the deadline →
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 months
Position in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

Financials · fiscal year 2025, abbreviated schema

Equity
€509k▼ 2.8%
2024 · €524k
2018: €341k 2019: €441k 2020: €550k 2021: €557k 2022: €585k 2023: €534k 2024: €524k
2018 → 2025
Total assets
€1.51M▼ 3.6%
2024 · €1.57M
2018: €500k 2019: €525k 2020: €594k 2021: €1.95M 2022: €1.84M 2023: €1.63M 2024: €1.57M
2018 → 2025
Net result
€95k▲ 6.4%
2024 · €89k
2018: €84k 2019: €100k 2020: €110k 2021: €98k 2022: €94k 2023: €34k 2024: €89k
2018 → 2025
Working capital
€811k▼ 12.9%
2024 · €932k
2018: €-3k 2019: €77k 2020: €163k 2021: €1.43M 2022: €1.22M 2023: €1.06M 2024: €932k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€557k-€585k▲ 5.0%€534k▼ 8.6%€524k▼ 2.0%€509k▼ 2.8%
Operating result€151k-€162k▲ 7.1%€79k▼ 51.2%€139k▲ 76.1%€154k▲ 10.5%
Net result€98k-€94k▼ 4.4%€34k▼ 64.1%€89k▲ 165%€95k▲ 6.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€50k€100k€150kOperating result 2021: €151k€151kNet result 2021: €98k€98kOperating result 2022: €162k€162kNet result 2022: €94k€94kOperating result 2023: €79k€79kNet result 2023: €34k€34kOperating result 2024: €139k€139kNet result 2024: €89k€89kOperating result 2025: €154k€154kNet result 2025: €95k€95k20212022202320242025
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.51M
Fixed assets €395k▼ 0.2%
Current assets €1.12M▼ 4.8%
Equity and liabilities €1.51M
Equity €509k▼ 2.8%
Debt €1.00M▼ 4.1%
The debt ratio falls from 66.6% to 66.3%: debt falls faster than equity shrinks.
Key figures and ratios
2025 value · change against 2024
EBITDA
€161k
2024 · €148k
Cash flow
€102k
2024 · €98k
Solvency
33.7%
2024 · 33.4%
Current ratio
3.67
2024 · 4.89
Quick ratio
3.67
2024 · 4.89
Debt / equity
1.97
2024 · 1.99
ROE
18.6%
2024 · 17.0%
ROA
6.3%
2024 · 5.7%
Interest coverage
8.92
2024 · 10.01
Debt
€1.00M
2024 · €1.04M
Debt ≤ 1 year
€304k
2024 · €240k
Debt > 1 year
€676k
2024 · €804k
Income taxes
€45k
2024 · €42k
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€1.57M€1.51M
Fixed assets21/28€396k€395k
Tangible fixed assets22/27€396k€395k
Land and buildings22€363k€363k=
Plant, machinery and equipment23€33k€32k
Furniture and vehicles24€0-
Current assets29/58€1.17M€1.12M
Amounts receivable within one year40/41€496k€522k
Trade receivables40-€27k
Other amounts receivable41€496k€495k
Current investments50/53€500k€450k
Cash at bank and in hand54/58€175k€142k
Deferred charges and accrued income490/1€785€894
Equity and liabilities
Total equity and liabilities10/49€1.57M€1.51M
Equity10/15€524k€509k
Contributions10/11€77k€77k=
Capital10€77k€77k=
Issued capital100€77k€77k=
Reserves13€447k€432k
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Distributable reserves133€439k€424k
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.04M€1.00M
Amounts payable after more than one year17€804k€676k
Financial debts170/4€804k€676k
Amounts payable within one year42/48€240k€304k
Current portion of amounts payable after more than one year42€126k€129k
Financial debts43€1k€828
Credit institutions430/8€1k€828
Trade debts44€5k€22k
Suppliers440/4€5k€22k
Taxes, remuneration and social security45€7k€29k
Taxes450/3€7k€29k
Other amounts payable47/48€101k€122k
Accrued charges and deferred income492/3-€22k
Income statement Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k
Other operating charges640/8€16k€20k
Gross operating margin9900€165k€181k
Operating profit (loss)9901€139k€154k
Financial income75/76B€6k€4k
Recurring financial income75€6k€4k
Financial charges65/66B€15k€18k
Recurring financial charges65€15k€18k
Profit (loss) for the period before taxes9903€131k€140k
Income taxes67/77€42k€45k
Profit (loss) for the period9904€89k€95k
Profit (loss) for the period to be appropriated9905€89k€95k
Appropriation of the result
Profit (loss) to be appropriated9906€89k€95k
Transfer from equity791/2€100k€110k
Transfer to equity691/2€89k€95k
To other reserves6921€89k€95k
Profit to be distributed694/7€100k€110k
Return on contributions (dividend)694€100k€110k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
18-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
2025
29-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Weakest financial yearnet €34k ▼64.1%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
22-11
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 114 days late
22-11
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 479 days late
2021
02-04
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial Highest result since 2018net €110k ▲9.8%
Net result €110k, the highest in the series.
31-12
Financial Liquidity doublescurrent ratio 7.25
Current ratio from 3.34 to 7.25; short-term debt falls from €33k to €26k.
31-12
Financial Equity above €500kEq €550k ▲24.9%
3 profitable years in a row build equity to €550k.
17-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial Liquidity triplescurrent ratio 3.34
Current ratio from 0.95 to 3.34; short-term debt falls from €72k to €33k.
10-10
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 71 days late
2018
06-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 6 days late
2017
31-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
5 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, Ranst · 1 establishment unit since 1998
establishment The establishment unit on the map
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.

Oudebaan 42520 Ranst
Ground area
7,440 m²
Building footprint
348 m²
Volume, LiDAR
1,735 m³
Parcel 11031B0508/00G000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ADRIVANO
Oudebaan 4, 2520 RanstInsurance, reinsurance and pension funding, except compulsory social security
since 19982.088.350.315
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11031B0508/00G000 Flanders 7,440 m² 1 · 348 m² 7.9 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.

Similar companies · same sector, comparable size

Of 9,093 companies in sector 68201 we hold annual accounts for 6,724. 5,003 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPublic limited company
Founded28-08-1998
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.