ANCESTRA
ActiveANCESTRA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €2k. Equity is growing by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 55% of 17964 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
72
/ 100
Healthy▲ +36 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▲+46
Solvency60▲+40
Growth61▲+4
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.94 against 0.75 in 2024), 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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
4 d late
2024
8 d early
2023
30 d late
2022
70 d late
2021
49 d late
2020
57 d late
2019
81 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
Turnover
€102k▲ 21.0%
2023 · €84k
2021: €70k
2022: €74k
2023: €84k
2021 → 2025
EBIT margin
3.3%▲ 1.7pp
2023 · 1.6%
2021: 5.0%
2022: 1.3%
2023: 1.6%
2021 → 2025
Net result
€2k▲ 689%
2024 · €286
2018: €7k
2019: €3k
2020: €11k
2021: €3k
2022: €600
2023: €892
2024: €286
2018 → 2025
Working capital
€-1k▲ 88.4%
2024 · €-12k
2018: €-14k
2019: €-11k
2020: €941
2021: €-4k
2022: €-30k
2023: €-22k
2024: €-12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€70k-€74k▲ 5.2%€84k▲ 14.0%€102k
Equity€11k-€11k▲ 5.5%€12k▲ 7.8%€13k▲ 2.3%€15k▲ 17.8%
Operating result€4k-€926▼ 73.9%€1k▲ 46.2%€1k▼ 13.1%€3k▲ 183%
Net result€3k-€600▼ 78.6%€892▲ 48.7%€286▼ 67.9%€2k▲ 689%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 183% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€16k▼ 34.5%
Current assets
€21k▼ 44.3%
Equity and liabilities €37k
Equity
€15k▲ 17.8%
Debt
€22k▼ 55.2%
The debt ratio falls from 79.7% to 59.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€12k▲
2024 · €12k
Cash flow
€11k▲
2024 · €11k
Solvency
40.1%▲
2024 · 20.3%
Current ratio
0.94▲
2024 · 0.75
Quick ratio
0.50▲
2024 · 0.18
Debt / equity
1.49▼
2024 · 3.93
ROE
15.1%▲
2024 · 2.3%
ROA
6.1%▲
2024 · 0.5%
Interest coverage
37.42▼
2024 · 73.51
Debt
€22k▼
2024 · €50k
Debt ≤ 1 year
€22k▼
2024 · €50k
Income taxes
€751▲
2024 · €732
Staff costs
€104▼
2024 · €559
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€62k€37k▼
Formation expenses20-€0
Fixed assets21/28€25k€16k▼
Tangible fixed assets22/27€19k€10k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€13k€7k▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€6k€6k▲
Current assets29/58€37k€21k▼
Stocks and contracts in progress3€28k€10k▼
Stocks30/36€28k€10k▼
Amounts receivable within one year40/41€6k€6k▼
Trade receivables40€6k€6k▼
Cash at bank and in hand54/58€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€62k€37k▼
Equity10/15€13k€15k▲
Contributions10/11€75k€75k=
Profit (loss) carried forward14€-62k€-60k▲
Amounts payable17/49€50k€22k▼
Amounts payable within one year42/48€50k€22k▼
Trade debts44€347€1k▲
Suppliers440/4€347€1k▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€47k€18k▼
Income statement
Code20242025
Turnover70-€102k
Goods, raw materials, services and sundry goods60/61-€90k
Remuneration, social security and pensions62€559€104▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€3k€1k▼
Gross operating margin9900€15k€13k▼
Operating profit (loss)9901€1k€3k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€158€327▲
Recurring financial charges65€158€327▲
Profit (loss) for the period before taxes9903€1k€3k▲
Income taxes67/77€732€751▲
Profit (loss) for the period9904€286€2k▲
Profit (loss) for the period to be appropriated9905€286€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-62k€-60k▲
Profit (loss) brought forward from the previous period14P€-63k€-62k▲
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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €286 ▼67.9%
Net result drops to €286, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
18-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 49 days late
2021
26-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 57 days late
2020
31-12
Financial
Highest result since 2018net €11k ▲221%
Operating result €14k, net result €11k, both a record.
20-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 81 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
14-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 45 days late
14-02
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 198 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Morlanwelz · 1 establishment unit since 2009
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.
Rue de Collarmont(CAR) 377141 MorlanwelzGround area
666 m²
Building footprint
126 m²
Parcel 56015C0261/00K000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Collarmont(CAR) 37, 7141 Morlanwelz
since 20092.175.829.863
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56015C0261/00K000 | Wallonia | 666 m² | 1 · 126 m² | - |
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
SANDEK
BE 0416.905.208
Brussel · Eq €15k
TBK CARS
BE 0770.908.587
Châtelet · Eq €15k
GARAGE STEELAND
BE 0795.418.113
Deerlijk · Eq €15k
Benelux Group
BE 0825.722.792
Antwerpen · Eq €15k
TRANSLEASE
BE 0425.905.620
Liège · Eq €15k
Of 10,622 companies in sector 47811 we hold annual accounts for 5,194. 2,407 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-12-2008
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
01430Raising of horses and other equines
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95319Other maintenance and repair of motor vehicles
45402
47830Retail sale of motorcycles and motorcycle parts and accessories
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
70200Business and other management consultancy
70220Business consulting
81230Other cleaning activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
93110Operation of sports facilities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.