AERTEL

Active

Private limited companyfounded 201313 yrs activeNinoofsesteenweg 423, 1750 Lennik, BelgiumKBO/BCE: BE 0537.667.238

Summary

AERTEL has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23,531 and a net result of €1,366. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 33% of 12918 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Risk analysisWatch Report Compare

AERTELActiveChecked score 66/100

Risk analysis Report Compare

Activity

Wholesale of motor vehicle parts and accessories

NACE 46720NACE 45310

1 site

Size

€125,814total assets 2025

Equity: €23,531
Profit: €1,366

Turnover not published (abridged schema)

Financial health

66 Healthy Checked score 2025

Bankruptcy chance 12 m: 1.0%

Structure

Accounts 56 d early0 of 7 deeds read

Why 66- 2 of the last 3 late- Profit of €1,366 (FY 2025)- Liquidity: current ratio 1.54, cash €5,812+ Founded in 2013Show the evidence

Checked score

Score 2025

66 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 35% of its sector peers (NACE 46, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 44-1

equity 18.7% of total assets

Liquidity 22+10

short-term debt 64.7% · cash 4.6%

Profitability 40-43

return on assets 1.1%

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,788 companies)

Last 24 months 11-2024: 4.2% 12-2024: 4.2%● 0.0% vs 11-2024 01-2025: 4.2%● 0.0% vs 12-2024 02-2025: 4.2%● 0.0% vs 01-2025 03-2025: 4.2%▲ +1.8% vs 02-2025 04-2025: 4.4%▲ +4.7% vs 03-2025 05-2025: 4.4%▼ -1.0% vs 04-2025 06-2025: 4.3%▼ -1.2% vs 05-2025 07-2025: 4.5%▲ +2.7% vs 06-2025 08-2025: 4.7%▲ +4.9% vs 07-2025 09-2025: 4.8%▲ +3.1% vs 08-2025highest value 10-2025: 2.0%▼ -58.7% vs 09-2025 11-2025: 2.0%● 0.0% vs 10-2025 12-2025: 2.0%● 0.0% vs 11-2025 01-2026: 1.0%▼ -48.9% vs 12-2025 02-2026: 1.0%▼ -2.0% vs 01-2026 03-2026: 1.0%▼ -1.4% vs 02-2026 04-2026: 1.0%▲ +1.1% vs 03-2026 05-2026: 1.0%▼ -1.5% vs 04-2026 06-2026: 1.0%▼ -1.5% vs 05-2026lowest value 07-2026: 1.0%▲ +2.0% vs 06-2026 08-2026: 1.0%● 0.0% vs 07-2026 09-2026: 1.0%● 0.0% vs 08-2026 10-2026: 1.0%▲ +0.8% vs 09-2026

2 of the last 3 late raises the probability
Founded in 2013 lowers the probability for this profile
Profit of €1,366 (FY 2025) raises the probability
Liquidity: current ratio 1.54, cash €5,812 raises the probability

Credit up to €1,500 at 30 days acceptable

Liquidity ample (current ratio 1.54 against 1.24 in 2024; short-term debt: 64.7% and cash: 4.6% of total assets), but 81.3% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 30%, liquidity 20%, profitability 32%, growth against the median 57%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

2 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Founded in 2013

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Profit of €1,366 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Liquidity: current ratio 1.54, cash €5,812

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year €23,531

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-06-2026, 56 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

56 d early

2024

61 d late

2023

70 d late

2022

67 d late

2021

80 d early

2020

33 d early

2019

10 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 3 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 30 September (4 of the last 5 filed years within 117 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

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