ANDANTE
ActiveANDANTE has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102k and a net result of €18k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 19% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2022
Profitability89▲+43
Solvency9▼-32
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity short (current ratio 0.27 against 0.56 in 2022), and 87.2% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
12.8%
Return on assets
2.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 31545 sector peers (2025).
NBB · sector comparisonPosition among 31545 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
23 d early
2022
30 d late
2021
31 d late
2020
3 d early
2019
20 d late
2018
21 d late
2017
24 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€102k▼ 49.1%
2022 · €200k
2018: €133k
2019: €194k
2020: €222k
2021: €182k
2022: €200k
2018 → 2025
Total assets
€797k▲ 28.3%
2022 · €621k
2018: €567k
2019: €615k
2020: €679k
2021: €555k
2022: €621k
2018 → 2025
Net result
€18k▼ 2.3%
2022 · €19k
2018: €55k
2019: €62k
2020: €27k
2021: €-40k
2022: €19k
2018 → 2025
Working capital
€-506k▼ 176%
2022 · €-183k
2018: €-253k
2019: €-231k
2020: €-210k
2021: €-230k
2022: €-183k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222025Trend
Equity€194k-€222k▲ 14.1%€182k▼ 18.1%€200k▲ 10.2%€102k▼ 49.1%
Operating result€89k-€41k▼ 53.6%€-40k€19k€29k▲ 56.3%
Net result€62k-€27k▼ 55.7%€-40k€19k€18k▼ 2.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed two years in a row; 2025 is 56% above 2022.
Balance-sheet composition
2025 in colour, 2022 as the grey bar beneath
Assets €797k
Fixed assets
€608k▲ 58.5%
Current assets
€189k▼ 20.5%
Equity and liabilities €797k
Equity
€102k▼ 49.1%
Debt
€695k▲ 65.1%
The debt ratio rises from 67.8% to 87.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€74k▲
2022 · €55k
Cash flow
€63k▲
2022 · €55k
Solvency
12.8%▼
2022 · 32.2%
Current ratio
0.27▼
2022 · 0.56
Quick ratio
0.27▼
2022 · 0.56
Debt / equity
6.82▲
2022 · 2.10
ROE
17.8%▲
2022 · 9.3%
ROA
2.3%▼
2022 · 3.0%
Interest coverage
1677.84▲
2022 · 191.64
Debt
€695k▲
2022 · €421k
Debt ≤ 1 year
€695k▲
2022 · €421k
Income taxes
€11k▲
2022 · €182
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 2022
Balance sheet
Code20222025
Assets
Total assets20/58€621k€797k▲
Fixed assets21/28€384k€608k▲
Tangible fixed assets22/27€384k€608k▲
Land and buildings22€350k€563k▲
Plant, machinery and equipment23€16k€8k▼
Furniture and vehicles24€18k€36k▲
Financial fixed assets28-€500
Current assets29/58€238k€189k▼
Amounts receivable within one year40/41€50k€1k▼
Trade receivables40€50k€1k▼
Cash at bank and in hand54/58€181k€188k▲
Deferred charges and accrued income490/1€6k-
Equity and liabilities
Total equity and liabilities10/49€621k€797k▲
Equity10/15€200k€102k▼
Contributions10/11€19k€19k=
Reserves13€203k€83k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€201k€83k▼
Profit (loss) carried forward14€-22k-
Amounts payable17/49€421k€695k▲
Amounts payable within one year42/48€421k€695k▲
Trade debts44€3k€8k▲
Suppliers440/4€3k€8k▲
Taxes, remuneration and social security45€19k€67k▲
Taxes450/3€19k€67k▲
Other amounts payable47/48€399k€620k▲
Income statement
Code20222025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€45k▲
Other operating charges640/8€3k€500▼
Gross operating margin9900€58k€74k▲
Operating profit (loss)9901€19k€29k▲
Financial income75/76B€275-
Recurring financial income75€275-
Financial charges65/66B€287€44▼
Recurring financial charges65€287€44▼
Profit (loss) for the period before taxes9903€19k€29k▲
Income taxes67/77€182€11k▲
Profit (loss) for the period9904€19k€18k▼
Profit (loss) for the period to be appropriated9905€19k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€107k▲
Profit (loss) brought forward from the previous period14P€-40k€89k▲
Transfer from equity791/2-€203k
Profit to be distributed694/7-€310k
Return on contributions (dividend)694-€310k
The notes to these accounts (7 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
31-12
Financial
Equity above €200kEq €200k ▲10.2%
Equity rises from €182k to €200k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-40k ▼247%
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €222k ▲14.1%
3 profitable years in a row build equity to €222k.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
31-12
Financial
Highest result since 2018net €62k ▲12.6%
Operating result €89k, net result €62k, both a record.
31-12
Financial
Equity above €150kEq €194k ▲46.6%
2 profitable years in a row build equity to €194k.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lummen · 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.
Oostereindestraat 853560 LummenGround area
2,147 m²
Building footprint
114 m²
Volume, LiDAR
631 m³
Parcel 71037C2841/00V000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
ANDANTE
since 20152.247.753.977
Mégarnie
since 20232.348.165.211
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037C2841/00V000 | Flanders | 2,147 m² | 1 · 114 m² | 7.7 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 450 EUR awarded · 450 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 165 EUR | 165 EUR |
| 2022 | 1 | 285 EUR | 285 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 40,475 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-11-2015
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.