ALBIVER
ActiveALBIVER has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.19M and a net result of €-42k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 69% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy▼ -30 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 3.23 against 14.87 in 2024), and 26.4% 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
73.6%
Return on assets
-2.6%
Age of the figures
8 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 22-08-2026, 22 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
22 d late
2024
11 d late
2023
30 d early
2022
30 d late
2021
29 d late
2020
24 d late
2019
88 d late
← 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 monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.19M▼ 25.3%
2024 · €1.59M
2018: €417k
2019: €558k
2020: €621k
2021: €767k
2022: €775k
2023: €830k
2024: €1.59M
2018 → 2025
Total assets
€1.61M▼ 4.3%
2024 · €1.69M
2018: €772k
2019: €706k
2020: €775k
2021: €840k
2022: €818k
2023: €861k
2024: €1.69M
2018 → 2025
Net result
€-42k
2024 · €804k
2018: €23k
2019: €169k
2020: €134k
2021: €166k
2022: €29k
2023: €76k
2024: €804k
2018 → 2025
Working capital
€953k▼ 28.2%
2024 · €1.33M
2018: €-2k
2019: €124k
2020: €174k
2021: €301k
2022: €211k
2023: €299k
2024: €1.33M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€767k-€775k▲ 1.0%€830k▲ 7.2%€1.59M▲ 91.5%€1.19M▼ 25.3%
Operating result€3k-€-17k€-19k▼ 10.2%€34k€43k▲ 27.3%
Net result€166k-€29k▼ 82.4%€76k▲ 159%€804k▲ 958%€-42k
Turnover and EBIT margin not published: the abbreviated or 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 27% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.61M
Fixed assets
€234k▼ 10.7%
Current assets
€1.38M▼ 3.1%
Equity and liabilities €1.61M
Equity
€1.19M▼ 25.3%
Debt
€427k▲ 346%
The debt ratio rises from 5.7% to 26.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€83k▲
2024 · €75k
Cash flow
€-2k▼
2024 · €845k
Solvency
73.6%▼
2024 · 94.3%
Current ratio
3.23▼
2024 · 14.87
Quick ratio
3.23▼
2024 · 14.87
Debt / equity
0.36▲
2024 · 0.06
ROE
-3.5%▼
2024 · 50.5%
ROA
-2.6%▼
2024 · 47.7%
Interest coverage
35.74▼
2024 · 925.54
Debt
€427k▲
2024 · €96k
Debt ≤ 1 year
€427k▲
2024 · €96k
Income taxes
€11k▼
2024 · €80k
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€1.69M€1.61M▼
Fixed assets21/28€262k€234k▼
Tangible fixed assets22/27€253k€226k▼
Land and buildings22€224k€195k▼
Plant, machinery and equipment23€3k€920▼
Furniture and vehicles24€18k€23k▲
Other tangible fixed assets26€7k€7k=
Financial fixed assets28€9k€8k▼
Current assets29/58€1.42M€1.38M▼
Amounts receivable within one year40/41€683k€639k▼
Other amounts receivable41€683k€639k▼
Current investments50/53€649k€653k▲
Cash at bank and in hand54/58€39k€86k▲
Deferred charges and accrued income490/1€53k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.69M€1.61M▼
Equity10/15€1.59M€1.19M▼
Contributions10/11€50k€50k=
Reserves13€1.33M€1.06M▼
Distributable reserves133€1.33M€1.06M▼
Profit (loss) carried forward14€211k€77k▼
Amounts payable17/49€96k€427k▲
Amounts payable within one year42/48€96k€427k▲
Trade debts44€808€1k▲
Suppliers440/4€808€1k▲
Taxes, remuneration and social security45€71k€64k▼
Taxes450/3€70k€64k▼
Remuneration and social security454/9€1k-
Other amounts payable47/48€24k€361k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€40k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€78k€84k▲
Operating profit (loss)9901€34k€43k▲
Financial income75/76B€850k€29k▼
Recurring financial income75€5k€21k▲
Non-recurring financial income76B€845k€8k▼
Financial charges65/66B€81€102k▲
Recurring financial charges65€81€2k▲
Non-recurring financial charges66B-€100k
Profit (loss) for the period before taxes9903€884k€-30k▼
Income taxes67/77€80k€11k▼
Profit (loss) for the period9904€804k€-42k▼
Profit (loss) for the period to be appropriated9905€804k€-42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.04M€170k▼
Profit (loss) brought forward from the previous period14P€235k€211k▼
Transfer from equity791/2€20k€269k▲
Transfer to equity691/2€804k-
To other reserves6921€804k-
Profit to be distributed694/7€44k€361k▲
Return on contributions (dividend)694€44k€361k▲
The notes to these accounts (10 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
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 22 days late
2025
31-12
Financial
Weakest financial yearnet €-42k ▼105%
Net result drops to €-42k, the lowest in the series.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-12
Financial
Highest result since 2018net €804k ▲958%
Net result €804k, the highest in the series.
31-12
Financial
Equity above €1MEq €1.59M ▲91.5%
7 profitable years in a row build equity to €1.59M.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 5.11
Current ratio from 2.44 to 5.11; short-term debt falls from €121k to €73k.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 88 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 2.51
Current ratio from 0.99 to 2.51; short-term debt falls from €254k to €82k.
31-12
Financial
Equity above €500kEq €558k ▲33.6%
2 profitable years in a row build equity to €558k.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2024
BIJNENS Alain Raymond Gabriël
CurrentDirector (executive) · since 06-06-2024
06-06-2024
BIJNENS Alain Raymond Gabriël: Appointed as Director (executive)
06-06-2024
BIJNENS Alain: Resigned as Director (executive)
Location & real-estate footprint
Registered office, Zutendaal · 1 establishment unit since 2003
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.
Pandenstraat 233690 ZutendaalGround area
2,187 m²
Building footprint
293 m²
Volume, LiDAR
1,665 m³
Parcel 71067B0452/00E000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Albiver
since 20032.133.280.022
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71067B0452/00E000 | Flanders | 2,187 m² | 1 · 293 m² | 9.9 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
A2 PARTNERS
BE 0811.677.093
Genk · Eq €1.19M
FIDEMA
BE 0878.777.636
Bierbeek · Eq €1.19M
PARTIMA
BE 0472.109.589
Olen · Eq €1.19M
DORO
BE 0839.088.107
Kuurne · Eq €1.19M
MUNDIUM
BE 0456.646.207
Kortrijk · Eq €1.19M
Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 25,879 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-08-2003
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.