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AND

Active
Private limited companyfounded 2025active for 1 yearSint-Bernardusstraat 181, 1060 Sint-Gillis (bij-Brussel), BelgiumKBO/BCE: BE 1025.802.813
Summary

AND has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30,097 and a net result of €28,597. Its solvency ranks better than 65% of 2,547 sector peers (NACE 71, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Financials · financial year 2025, abbreviated format

2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00503516.

Turnover
≈ €130,000
Estimated: probably between €88,000 and €190,000
Total assets
€49,667
Net result
€28,597
Working capital
€30,097

Turnover and EBIT margin not published: the abbreviated format does not require them. The turnover shown is an estimate from the gross margin.

Balance-sheet composition
Equity and liabilities €49,667
Equity €30,097
Debt €19,570
Debt finances 39.4% of the balance-sheet total.
Key figures and ratios
2025 value
Current ratio
2.54
Debt to equity
0.65
ROE
95.0%
ROA
57.6%
Debt ≤ 1 year
€19,570
Income taxes
€13,690

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 96.6% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
96.6% still going

For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,279 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 28 lines
Balance sheet Code2025
Assets
Total assets20/58€49,667
Current assets29/58€49,667
Amounts receivable within one year40/41€4,175
Trade receivables40€4,175
Cash at bank and in hand54/58€45,493
Equity and liabilities
Total equity and liabilities10/49€49,667
Equity10/15€30,097
Contributions10/11€1,500
Capital10€1,500
Issued capital100€1,500
Reserves13€28,597
Distributable reserves133€28,597
Amounts payable17/49€19,570
Amounts payable within one year42/48€19,570
Taxes, remuneration and social security45€17,895
Taxes450/3€17,895
Other amounts payable47/48€1,675
Income statement Code2025
Gross operating margin9900€42,300
Operating profit (loss)9901€42,300
Financial charges65/66B€13
Recurring financial charges65€13
Profit (loss) for the period before taxes9903€42,287
Income taxes67/77€13,690
Profit (loss) for the period9904€28,597
Profit (loss) for the period to be appropriated9905€28,597
Appropriation of the result
Profit (loss) to be appropriated9906€28,597
Transfer to equity691/2€28,597
To other reserves6921€28,597
Line2025
Gross operating margin9900€42,300
Operating profit (loss)9901€42,300
Financial charges65/66B€13
Recurring financial charges65€13
Profit (loss) for the period before taxes9903€42,287
Income taxes67/77€13,690
Profit (loss) for the period9904€28,597
Profit (loss) for the period to be appropriated9905€28,597
Line2025
Assets
Total assets20/58€49,667
Current assets29/58€49,667
Amounts receivable within one year40/41€4,175
Trade receivables40€4,175
Cash at bank and in hand54/58€45,493
Equity and liabilities
Total equity and liabilities10/49€49,667
Equity10/15€30,097
Contributions10/11€1,500
Capital10€1,500
Issued capital100€1,500
Reserves13€28,597
Distributable reserves133€28,597
Amounts payable17/49€19,570
Amounts payable within one year42/48€19,570
Taxes, remuneration and social security45€17,895
Taxes450/3€17,895
Other amounts payable47/48€1,675
Line2025
Profit (loss) for the period9904€28,597
Operating cash flow (approximation)€28,597

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Filings with the National Bank (1)
Financial year Type Filed Reference
31-12-2025 abbreviated format 31-08-2026 2026-00503516

Similar companies · same sector, comparable size

Of the 3,884 active companies whose main activity is activities of interior architects (NACE 71112), figures are known for 1,335. 1,063 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.