ANDA-DECLERCQ
ActiveANDA-DECLERCQ has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.36M and a net result of €410k. Equity is growing by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 13% of 475 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+13
Solvency6▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity short (current ratio 0.36 against 0.45 in 2024), and 91.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
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
8.3%
Return on assets
2.5%
Age of the figures
11 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 475 sector peers (2025).
NBB · sector comparisonPosition among 475 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
7 d early
2024
2 d early
2023
7 d early
2022
9 d early
2021
9 d early
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€410k▲ 147%
2024 · €166k
2018: €71k
2019: €68k
2020: €238k
2021: €150k
2022: €155k
2023: €15k
2024: €166k
2018 → 2025
Working capital
€-2.03M▼ 53.3%
2024 · €-1.33M
2018: €-341k
2019: €-1.49M
2020: €-1.00M
2021: €-972k
2022: €-766k
2023: €-682k
2024: €-1.33M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€617k-€772k▲ 25.0%€787k▲ 2.0%€953k▲ 21.1%€1.36M▲ 43.1%
Operating result€241k-€245k▲ 1.4%€99k▼ 59.4%€262k▲ 164%€629k▲ 140%
Net result€150k-€155k▲ 3.1%€15k▼ 90.2%€166k▲ 995%€410k▲ 147%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 140% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16.36M
Fixed assets
€15.21M▲ 7.9%
Current assets
€1.15M▲ 5.9%
Equity and liabilities €16.36M
Equity
€1.36M▲ 43.1%
Debt
€15.00M▲ 5.4%
The debt ratio falls from 93.7% to 91.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€1.50M▲
2024 · €1.18M
Cash flow
€1.28M▲
2024 · €1.09M
Solvency
8.3%▲
2024 · 6.3%
Current ratio
0.36▼
2024 · 0.45
Quick ratio
0.35▼
2024 · 0.40
Debt / equity
11.00▼
2024 · 14.92
ROE
30.1%▲
2024 · 17.4%
ROA
2.5%▲
2024 · 1.1%
Interest coverage
16.53▼
2024 · 23.23
Debt
€15.00M▲
2024 · €14.22M
Debt ≤ 1 year
€3.18M▲
2024 · €2.41M
Debt > 1 year
€11.80M▼
2024 · €11.81M
Income taxes
€130k▲
2024 · €46k
Staff costs
€36k▼
2024 · €67k
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€15.18M€16.36M▲
Fixed assets21/28€14.09M€15.21M▲
Tangible fixed assets22/27€14.09M€15.21M▲
Land and buildings22€13.76M€14.71M▲
Plant, machinery and equipment23€318k€355k▲
Furniture and vehicles24€10k€50k▲
Assets under construction and advance payments27-€91k
Financial fixed assets28-€0
Current assets29/58€1.09M€1.15M▲
Stocks and contracts in progress3€123k€44k▼
Stocks30/36€103k€38k▼
Contracts in progress37€20k€6k▼
Amounts receivable within one year40/41€964k€1.11M▲
Trade receivables40€964k€1.09M▲
Other amounts receivable41€0€18k▲
Cash at bank and in hand54/58€0€0=
Equity and liabilities
Total equity and liabilities10/49€15.18M€16.36M▲
Equity10/15€953k€1.36M▲
Contributions10/11€62k€62k=
Reserves13€110k€110k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Distributable reserves133€103k€103k=
Profit (loss) carried forward14€782k€1.19M▲
Amounts payable17/49€14.22M€15.00M▲
Amounts payable after more than one year17€11.81M€11.80M▼
Financial debts170/4€11.55M€11.67M▲
Trade debts175€255k€128k▼
Other amounts payable178/9€3k€3k=
Amounts payable within one year42/48€2.41M€3.18M▲
Current portion of amounts payable after more than one year42€698k€1.07M▲
Financial debts43€114k€69k▼
Credit institutions430/8€114k€69k▼
Trade debts44€613k€576k▼
Suppliers440/4€613k€576k▼
Taxes, remuneration and social security45€14k€5k▼
Taxes450/3€5k-
Remuneration and social security454/9€9k€5k▼
Other amounts payable47/48€974k€1.46M▲
Accrued charges and deferred income492/3-€13k
Income statement
Code20242025
Non-recurring operating income76A€107k€50k▼
Remuneration, social security and pensions62€67k€36k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€919k€870k▼
Other operating charges640/8€70k€29k▼
Gross operating margin9900€1.32M€1.56M▲
Operating profit (loss)9901€262k€629k▲
Financial income75/76B€520€2k▲
Recurring financial income75€520€2k▲
Financial charges65/66B€51k€91k▲
Recurring financial charges65€51k€91k▲
Profit (loss) for the period before taxes9903€212k€540k▲
Income taxes67/77€46k€130k▲
Profit (loss) for the period9904€166k€410k▲
Profit (loss) for the period to be appropriated9905€166k€410k▲
Appropriation of the result
Profit (loss) to be appropriated9906€782k€1.19M▲
Profit (loss) brought forward from the previous period14P€615k€782k▲
Social balance
Average headcount (FTE)90872.71.2▼
The notes to these accounts (12 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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial
Highest result since 2018net €410k ▲147%
Operating result €629k, net result €410k, both a record.
30-09
Financial
Equity above €1MEq €1.36M ▲43.1%
8 profitable years in a row build equity to €1.36M.
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-09
Financial
Weakest financial yearnet €15k ▼90.2%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
21-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-09
Financial
Equity above €500kEq €617k ▲32.1%
4 profitable years in a row build equity to €617k.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €200kEq €229k ▲98.1%
2 profitable years in a row build equity to €229k.
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Somme-Leuze · 2 establishment units since 2015
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.
Passage Alphonse Laffut, Bonsin 15377 Somme-LeuzeGround area
3.2 ha
Building footprint
621 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
ANDA-DECLERCQ
since 20152.245.532.281
ANDA-DECLERCQ
since 20182.281.522.053
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91019B0137/00D000 | Wallonia | 2.7 ha | - | - |
| 83047E0366/00T003 | Wallonia | 4,795 m² | 1 · 621 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesDurbuy2.281.522.053
Somme-Leuze2.245.532.281
Similar companies · same sector, comparable size
CHAMPFLEUR
BE 0429.280.329
Andenne · Eq €1.36M
SOCIETE DE LA MUNQUE
BE 0445.290.772
Comines-Warneton · Eq €1.35M
GAPAARDHOEVE
BE 0439.579.749
Lo-Reninge · Eq €1.35M
Silvagro
BE 0440.234.696
Brugge · Eq €1.37M
eRBVee
BE 0450.863.720
Kasterlee · Eq €1.35M
Of 20,586 companies in sector 01500 we hold annual accounts for 1,144. 718 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-03-1996
Fiscal year end30-09
Activities, NACEBEL
01500Mixed farming
51410
46190Agents in non-specialised wholesale trade
46331Wholesale trade
46412Wholesale of household textiles and bedding
47512Retail sale of household textiles and bedding
52410
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.