ALL-FIX
ActiveSummary
The computed 12-month bankruptcy probability of ALL-FIX is 2.3% (moderate). The 2025 annual accounts show equity of €55,488 and a net result of €5,795. Its solvency ranks better than 42% of 35,008 sector peers (NACE 43, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 31-08-2023 Normal situation
- Activity
- Other specialised construction activities NACE 43990and 5 others
- Establishment unit
- 2.348.838.766 3940 Hechtel-Eksel, since 31-08-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 25-02-2026
Board and ownership
- LOVSIN Rudi AloysDirector
- LOVSIN Rudi Aloysfounderdeed of 04-09-2023
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.3%
- Gross margin
- €9,703
- ▼ 86.1%
- Turnover
- ≈ €130,000
- estimated
- Profit
- €5,795
- ▼ 85.4%
- Equity
- €55,488
- ▲ 11.7%
- Total assets
- €141,192
- ▼ 6.3%
- 2025 accounts filed 19 days after the deadline
Score breakdownraises riskFounded in 2023Size: total assets €141,192Sector: Specialised construction activities (NACE 43)Liquidity: current ratio 1.66, cash €7,558, halvedShow the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 42% of them on solvency, 18% on liquidity, 30% on profitability and 58% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 2 accounts on average 19 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 19 days after the deadline Filed on 19 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00407177.
Annual accounts 2025 filed on 19-08-2026 at the NBB all 2 filings
Every figure per financial year
The operating result for 2025 is 97% lower than in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €30,436 | - |
| Depreciation and write-downs of the year | €7,431 | €6,285 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,431 | €6,285 | ▼ 15.4% |
| Other operating charges640/8 | €2,052 | €1,466 | ▼ 28.5% |
| Gross operating margin9900 | €69,660 | €9,703 | ▼ 86.1% |
| Operating profit (loss)9901 | €60,177 | €1,951 | ▼ 96.8% |
| Financial income75/76B | €1,968 | €2,869 | ▲ 45.8% |
| Recurring financial income75 | €1,968 | €2,869 | ▲ 45.8% |
| Financial charges65/66B | €1,793 | €1,781 | ▼ 0.7% |
| Recurring financial charges65 | €1,793 | €1,781 | ▼ 0.7% |
| Profit (loss) for the period before taxes9903 | €60,352 | €3,040 | ▼ 95.0% |
| Income taxes67/77 | €20,659 | -€2,755 | - |
| Profit (loss) for the period9904 | €39,693 | €5,795 | ▼ 85.4% |
| Profit (loss) for the period to be appropriated9905 | €39,693 | €5,795 | ▼ 85.4% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €150,662 | €141,192 | ▼ 6.3% |
| Fixed assets21/28 | €23,005 | €16,720 | ▼ 27.3% |
| Tangible fixed assets22/27 | €23,005 | €16,720 | ▼ 27.3% |
| Plant, machinery and equipment23 | €1,224 | €729 | ▼ 40.5% |
| Furniture and vehicles24 | €21,781 | €15,991 | ▼ 26.6% |
| Current assets29/58 | €127,657 | €124,473 | ▼ 2.5% |
| Amounts receivable within one year40/41 | €99,802 | €114,470 | ▲ 14.7% |
| Trade receivables40 | €51,991 | €44,848 | ▼ 13.7% |
| Other amounts receivable41 | €47,811 | €69,622 | ▲ 45.6% |
| Cash at bank and in hand54/58 | €24,914 | €7,558 | ▼ 69.7% |
| Deferred charges and accrued income490/1 | €2,941 | €2,445 | ▼ 16.9% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €150,662 | €141,192 | ▼ 6.3% |
| Equity10/15 | €49,693 | €55,488 | ▲ 11.7% |
| Contributions10/11 | €10,000 | €10,000 | = |
| Reserves13 | €39,693 | €45,488 | ▲ 14.6% |
| Distributable reserves133 | €39,693 | €45,488 | ▲ 14.6% |
| Amounts payable17/49 | €100,969 | €85,705 | ▼ 15.1% |
| Amounts payable after more than one year17 | €16,727 | €10,883 | ▼ 34.9% |
| Financial debts170/4 | €16,727 | €10,883 | ▼ 34.9% |
| Amounts payable within one year42/48 | €84,242 | €74,821 | ▼ 11.2% |
| Current portion of amounts payable after more than one year42 | €5,586 | €5,844 | ▲ 4.6% |
| Trade debts44 | €47,353 | €51,073 | ▲ 7.9% |
| Suppliers440/4 | €47,353 | €51,073 | ▲ 7.9% |
| Taxes, remuneration and social security45 | €31,303 | €17,904 | ▼ 42.8% |
| Taxes450/3 | €31,303 | €17,904 | ▼ 42.8% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €39,693 | €5,795 | ▼ 85.4% |
| + Depreciation and write-downs630 | €7,431 | €6,285 | ▼ 15.4% |
| Operating cash flow (approximation) | €47,124 | €12,080 | ▼ 74.4% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | -€17,356 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,546 companies had the same profile as ALL-FIX has now. Two years later, 94.3% were still going and 2.3% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ALL-FIX itself: 2.3% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,546 companies, not a prediction for ALL-FIX. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- LOVSIN Rudi Aloys sole founder · 100% at incorporation
Capital transactions
- 04-09-2023 Incorporation · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 04-09-2023 (in Dutch)
Network & group
Connections & network
0 connected companies, 1 earlier tieThe connected companies are in the list below.
Timeline
Deeds, filings and financial milestones
04-09
Gazette deed
IncorporationFounder: LOVSIN Rudi Aloys (partner) · 100 shares · Appointment: LOVSIN Rudi Aloys (director)7 points ▸
- Incorporation, 31-08-2023
- Founder, LOVSIN Rudi Aloys (partner)
- 100 shares
- Registered office clause, Tortelstraat 4, 3940 Hechtel-Eksel
- Board rule, 1
- Director appointment, LOVSIN Rudi Aloys (director (not named in the articles))
- Power of attorney, Bart Vankrunkelsven
- The deed holds 5 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
21 activities
- Overige gespecialiseerde bouwwerkzaamheden;
- Bouwrijp maken van terreinen;
- Stukadoorswerk;
- Plaatsen van vloer- en wandtegels;
- Dakwerkzaamheden;
- Uitvoeren van metsel- en voegwerken;
- Algemene totaalinrichting;
- Projecten van renovatie;
- Asbestverwijdering;
- Asbestinventarisatie;
- Verhuur en beheer van eigen onroerend goed;
- Het aanhouden van deelnemingen en participaties in andere ondernemingen;
- Het beleggen van eigen vermogen;
- Bestuursfuncties in andere, al dan niet eigen, ondernemingen;
- Overige zakelijke dienstverlening;
- Het aankopen, verkopen en beheren van eigen onroerende goederen;
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten, zoals de aan- en verkoop, de bouw, de binnenhuisinrichting en decoratie, de huur en verhuur, de ruil, de verkaveling en, in het algemeen, alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer of op het productief maken, van onroerende goederen of onroerende zakelijke rechten. Zij mag haar onroerende goederen in hypotheek stellen en al haar andere goederen met inbegrip van het handelsfonds in pand geven en mag aval verlenen voor alle leningen, kredietopeningen en andere verbintenissen, zowel voor haarzelf als voor derden;
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend vermogen;
- De vennootschap kan in het algemeen alle commerciele, industriele, financiële, roerende of onroerende handelingen verrichten in rechtstreeks of onrechtstreeks handelingen verrichten in rechtstreeks of onrechtstreeks verband met haar maatschappelijk doel of welke van aard zouden zijn de verwezenlijking ervan geheel of ten dele te vergemakkelijken;
- Zij kan deelnemen in of zich op een andere wijze interesseren aan andere vennootschappen, ondernemingen, groeperingen of organisaties. Zij mag zich hiervoor borg stellen, voorschotten en kredieten toestaan, hypothecaire of andere waarborgen verstrekken. Zij mag ook de functie van bestuurder of vereffenaar in andere vennootschappen uitoefenen;
- De vennootschap mag haar voorwerp verwezenlijken zowel in Belgie als in het buitenland, op de wijze die zij het best geschikt acht.
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0805.345.369
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 72006F0024/00N008 | Flanders | 76 m² | 1 · 76 m² | 7.9 m · 1 |