AND

Active

Private limited companyfounded 20251 yr activeSint-Bernardusstraat 181, 1060 Sint-Gillis (bij-Brussel), BelgiumKBO/BCE: BE 1025.802.813

AND has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €29k. Its solvency ranks better than 66% of 1977 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

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Checked score

Score 2025

85 / 100

Excellent

The score combines four axes. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency99

Growth-

Stability67

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity ample (current ratio 2.54), and 39.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 71

Relative position

BE, all sectors

reference

Sector 71

lower

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

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

60.6%

Return on assets

57.6%

Age of the figures

8 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filing

Deviation from the deadline

2025

31 d late

← before the deadline after the 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

Financials · fiscal year 2025, abbreviated schema

Equity

€30k

Total assets

€50k

Net result

€29k

Working capital

€30k

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition

Equity and liabilities €50k

60.6%

39.4%

Equity €30k

Debt €20k

Debt finances 39.4% of the balance-sheet total.

Key figures and ratios

2025 value

Solvency

60.6%

Current ratio

2.54

Quick ratio

2.54

Debt / equity

0.65

ROE

95.0%

ROA

57.6%

Debt

€20k

Debt ≤ 1 year

€20k

Income taxes

€14k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€50k

Current assets29/58€50k

Amounts receivable within one year40/41€4k

Trade receivables40€4k

Cash at bank and in hand54/58€45k

Equity and liabilities

Total equity and liabilities10/49€50k

Equity10/15€30k

Contributions10/11€2k

Capital10€2k

Issued capital100€2k

Reserves13€29k

Distributable reserves133€29k

Amounts payable17/49€20k

Amounts payable within one year42/48€20k

Taxes, remuneration and social security45€18k

Taxes450/3€18k

Other amounts payable47/48€2k

Income statement Code2025

Gross operating margin9900€42k

Operating profit (loss)9901€42k

Financial charges65/66B€13

Recurring financial charges65€13

Profit (loss) for the period before taxes9903€42k

Income taxes67/77€14k

Profit (loss) for the period9904€29k

Profit (loss) for the period to be appropriated9905€29k

Appropriation of the result

Profit (loss) to be appropriated9906€29k

Transfer to equity691/2€29k

To other reserves6921€29k

Download as CSV

Timeline · acts, filings and financial milestones

All 1Filings 1

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 31 days late

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Sint-Gillis (bij-Brussel) · 2 establishment units since 2025

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.

Sint-Bernardusstraat 1811060 Sint-Gillis (bij-Brussel)

Ground area

3,891 m²

Building footprint

639 m²

Volume, LiDAR

10,604 m³

3 parcels, Brussels · tallest building 19.9 m, ±6 floors. Linked by address, not a title deed.

2 establishment units

Neptunuslaan 22, 1190 Vorst

General construction of residential buildings

since 20252.377.815.339

Le Marais

Van Volxemlaan 407, 1190 VorstActivities of interior architects

since 20252.380.107.707

3 parcels

Brussels 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21383B0026/00P002	Brussels	3,496 m²	1 · 463 m²	19.7 m · 6 fl.
21007A0017/00B009	Brussels	242 m²	1 · 78 m²	19.3 m · 5 fl.
21013B0321/00K007	Brussels	152 m²	1 · 98 m²	19.9 m · 5 fl.