ANDERS
ActiveSummary
The annual accounts of ANDERS for fiscal year 2025 show a net loss of 173% of total assets and of 64% of the equity at the start of that year. The 2025 annual accounts show equity of €70,202 and a net result of -€124,177. Equity is growing by ~33.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 17123 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
59
/ 100
Fair
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 25.71 against 7.43 in 2024; short-term debt: 2.4% and cash: 60% of total assets), and 2.4% of the assets are financed with debt.
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Signals
Three 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
97.6%
Return on assets
-172.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-09-2026, 50 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
50 d late
2024
60 d late
2023
30 d late
2022
28 d late
2021
30 d late
2020
2 d early
2019
84 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 40 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€70,202▼ 63.9%
2024 · €194,379
Total assets
€71,907▼ 66.9%
2024 · €217,464
Net result
-€124,177
2024 · €60,615
Working capital
€42,117▼ 71.6%
2024 · €148,349
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€52,169▲ 5.9%€43,107▼ 17.4%€46,698▲ 8.3%€18,646▼ 60.1%-€37,930
Net result€38,082▲ 13.9%€31,251▼ 17.9%€34,769▲ 11.3%€60,615▲ 74.3%-€124,177
Equity€102,514▲ 59.1%€133,765▲ 30.5%€133,765=€194,379▲ 45.3%€70,202▼ 63.9%
Total assets€110,175▲ 35.7%€145,329▲ 31.9%€226,702▲ 56.0%€217,464▼ 4.1%€71,907▼ 66.9%
Debt€7,661▼ 54.2%€11,564▲ 50.9%€92,937▲ 704%€23,084▼ 75.2%€1,705▼ 92.6%
Working capital€99,404▲ 68.8%€114,788▲ 15.5%€137,848▲ 20.1%€148,349▲ 7.6%€42,117▼ 71.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €37,930 after €18,646 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71,907
Fixed assets
€28,085 ▼ 39.0%
Current assets
€43,822 ▼ 74.4%
Equity and liabilities €71,907
Equity
€70,202 ▼ 63.9%
Debt
€1,705 ▼ 92.6%
Debt's share of the balance-sheet total falls from 10.6% to 2.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€26,457▼
2024 · €35,927
Cash flow
-€112,704▼
2024 · €77,896
Current ratio
25.71▲
2024 · 7.43
Debt to equity
0.02▼
2024 · 0.12
ROE
-176.9%▼
2024 · 31.2%
ROA
-172.7%▼
2024 · 27.9%
Interest coverage
-0.31▼
2024 · 22.60
Debt ≤ 1 year
€1,705▼
2024 · €23,084
Income taxes
€393▼
2024 · €21,519
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €884 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,422 | €6,323 | €12,112 | €17,281 | €11,473 | ▼ 33.6% |
| Other operating charges640/8 | €330 | €178 | €194 | €181 | €120 | ▼ 33.7% |
| Gross operating margin9900 | €54,921 | €49,608 | €59,004 | €36,108 | -€26,337 | ▼ 173% |
| Operating profit (loss)9901 | €52,169 | €43,107 | €46,698 | €18,646 | -€37,930 | ▼ 303% |
| Financial income75/76B | €6 | - | - | €65,077 | €2 | ▼ 100.0% |
| Recurring financial income75 | €6 | - | - | €65,077 | €2 | ▼ 100.0% |
| Financial charges65/66B | €75 | €106 | €107 | €1,590 | €85,856 | ▲ 5,301% |
| Recurring financial charges65 | €75 | €106 | €107 | €1,590 | €85,856 | ▲ 5,301% |
| Profit (loss) for the period before taxes9903 | €52,100 | €43,000 | €46,591 | €82,133 | -€123,784 | ▼ 251% |
| Income taxes67/77 | €14,018 | €11,749 | €11,822 | €21,519 | €393 | ▼ 98.2% |
| Profit (loss) for the period9904 | €38,082 | €31,251 | €34,769 | €60,615 | -€124,177 | ▼ 305% |
| Profit (loss) for the period to be appropriated9905 | €38,082 | €31,251 | €34,769 | €60,615 | -€124,177 | ▼ 305% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €110,175 | €145,329 | €226,702 | €217,464 | €71,907 | ▼ 66.9% |
| Fixed assets21/28 | €3,110 | €18,977 | €60,891 | €46,030 | €28,085 | ▼ 39.0% |
| Tangible fixed assets22/27 | €3,110 | €18,977 | €60,891 | €46,030 | €28,085 | ▼ 39.0% |
| Plant, machinery and equipment23 | €801 | €200 | - | - | - | - |
| Furniture and vehicles24 | €2,308 | €18,776 | €60,891 | €46,030 | €28,085 | ▼ 39.0% |
| Current assets29/58 | €107,065 | €126,352 | €165,811 | €171,433 | €43,822 | ▼ 74.4% |
| Amounts receivable within one year40/41 | €5,071 | €135 | €9,320 | €4,789 | €163 | ▼ 96.6% |
| Trade receivables40 | €4,937 | - | €5,977 | €303 | - | - |
| Other amounts receivable41 | €135 | €135 | €3,342 | €4,487 | €163 | ▼ 96.4% |
| Current investments50/53 | €41,130 | €84,704 | €129,405 | - | - | - |
| Cash at bank and in hand54/58 | €59,181 | €40,353 | €25,580 | €165,095 | €43,143 | ▼ 73.9% |
| Deferred charges and accrued income490/1 | €1,683 | €1,160 | €1,507 | €1,549 | €516 | ▼ 66.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €110,175 | €145,329 | €226,702 | €217,464 | €71,907 | ▼ 66.9% |
| Equity10/15 | €102,514 | €133,765 | €133,765 | €194,379 | €70,202 | ▼ 63.9% |
| Contributions10/11 | €1 | €1 | €1 | €1 | €1 | = |
| Reserves13 | €102,513 | €133,764 | €133,764 | €194,378 | €70,201 | ▼ 63.9% |
| Non-distributable reserves130/1 | €3,183 | €3,183 | - | - | - | - |
| Reserves not available under the articles1311 | €3,183 | €3,183 | - | - | - | - |
| Distributable reserves133 | €99,330 | €130,581 | €133,764 | €194,378 | €70,201 | ▼ 63.9% |
| Amounts payable17/49 | €7,661 | €11,564 | €92,937 | €23,084 | €1,705 | ▼ 92.6% |
| Amounts payable within one year42/48 | €7,661 | €11,564 | €27,963 | €23,084 | €1,705 | ▼ 92.6% |
| Trade debts44 | €1,109 | €1,101 | €1,407 | €797 | €1,131 | ▲ 41.8% |
| Suppliers440/4 | €1,109 | €1,101 | €1,407 | €797 | €1,131 | ▲ 41.8% |
| Taxes, remuneration and social security45 | €2,251 | €8,769 | - | €11,519 | €153 | ▼ 98.7% |
| Taxes450/3 | €2,251 | €8,769 | - | €11,519 | €153 | ▼ 98.7% |
| Other amounts payable47/48 | €4,301 | €1,694 | €26,556 | €10,769 | €421 | ▼ 96.1% |
| Accrued charges and deferred income492/3 | - | - | €64,974 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €38,082 | €31,251 | €34,769 | €60,615 | -€124,177 | ▼ 305% |
| + Depreciation and write-downs630 | €2,422 | €6,323 | €12,112 | €17,281 | €11,473 | ▼ 33.6% |
| Operating cash flow (approximation) | €40,504 | €37,574 | €46,881 | €77,896 | -€112,704 | ▼ 245% |
| Investment in fixed assets (approximation) | - | -€22,190 | -€54,026 | -€2,421 | €6,472 | ▲ 367% |
| Change in cash | - | -€18,828 | -€14,773 | €139,515 | -€121,953 | ▼ 187% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 50 days late
2025
31-12
Financial
Weakest financial yearnet -€124,177
Net result drops to -€124,177, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 25.71
Current ratio from 7.43 to 25.71; short-term debt falls from €23,084 to €1,705.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Highest result since 2018net €60,615 ▲74.3%
Net result €60,615, the highest in the series.
31-12
Financial
Equity above €150,000Eq €194,379 ▲45.3%
7 profitable years in a row build equity to €194,379.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 13.97
Current ratio from 4.52 to 13.97; short-term debt falls from €16,734 to €7,661.
31-12
Financial
Equity above €100,000Eq €102,514 ▲59.1%
4 profitable years in a row build equity to €102,514.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
31-12
Financial
Liquidity doublescurrent ratio 4.52
Current ratio from 2.17 to 4.52; short-term debt falls from €25,326 to €16,734.
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Bonheiden · 1 establishment unit since 2016
Ground area
570 m²
Building footprint
141 m²
Volume, LiDAR
420 m³
Parcel 12031B0194/00B002, Flanders · tallest building 4.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Leliestraat 11, 2820 Bonheiden
since 20162.257.137.045
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12031B0194/00B002 | Flanders | 570 m² | 1 · 141 m² | 4.0 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
875500A6UI4UM06UER72
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Of 30,002 companies in sector 62200 we hold annual accounts for 18,394. 15,523 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-10-2016
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
47400Retail sale of information and communication equipment
63100Computing infrastructure, data processing, hosting and related activities
Scores and ratios are computed by Checked and are not a credit decision.