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ANDERS

Active Private limited companyfounded 2016active for 10 yearsLeliestraat 11, 2820 BonheidenKBO/BCE: BE 0663.722.696
ANDERS
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Overview

Lifetime

10 annual accounts with figures on one time axis
peak €59,004 (2023)
-€26,337▼ €62,445
lowest -€124,177 (2025)
-€124,177▼ €184,792
peak €194,379 (2024)
€70,202▼ 63.9%
€1,705▼ 92.6%
Board1 name since 2021
1 directorChris Hollander
Documentsfilings and deeds
19-09-202650 days late
2025micro format
Gross margin from €36,108 to -€26,337Loss of €124,177Equity from €194,379 to €70,202Debts from €23,084 to €1,705Cash from €165,095 to €43,143

Key points

from the 2025 annual accounts

Equity

€70,202 from €194,379 in 2024

Equity fell by 64% in 1 year.

Result

-€124,177 -€124,177
€60,6002024-€124,0002025

From profit to loss in 2025, after a profit of €60,615 in 2024.

Liquidity

25.71 was 7.43 in 2024

Short-term debts fell from €23,084 to €1,705.

2025 accounts filed 50 days after the deadlineTurnover not published (micro format)

Checked score

55
Fair
Financially stronger than 49% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.

Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.2%▲ +0.1 percentage points vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.4%▲ +0.2 percentage points vs 09-2025highest value 11-2025: < 0.1%▼ -0.4 percentage points vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: 0.1%▲ +0.1 percentage points vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026

Financial strength
Strong

100=equity 97.6% of total assets
100=short-term debt 2.4% · cash 60.0%
0-100return on assets -172.7%

Score breakdown

raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
Last filed accounts filed 50 days late; 2 of the last 3 accounts late
Loss of €124,177 (financial year 2025)
lowers risk
Liquidity: current ratio 25.71, cash €43,143, halved
Sector: Computer programming, consultancy and related activities (NACE 62)
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 85% of them on solvency, 96% on liquidity, 5% on profitability and 11% on growth.

The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 4,805 companies had the same profile as ANDERS has now. Each dot stands for 13 companies, two years later.

88.1%
were still trading
9.8%
stopped another way
2.0%
went bankrupt
  • Micro
  • 10 to 20 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more

Another 0.2% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of ANDERS itself is lower: 0.1% within 12 months. It rests on far more data about ANDERS than the profile alone.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the 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%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 4,805 companies, not a prediction for ANDERS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €3,500 on 30-day terms, only on tighter conditions

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity is ample, with a current ratio of 25.71 (7.43 in 2024), above the usual 1.5. Short-term debt is 2.4% and cash 60% of total assets. 2.4% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
lowers risk · Liquidity: current ratio 25.71, cash €43,143, halved
NBB · annual accounts
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
raises risk · Last filed accounts filed 50 days late; 2 of the last 3 accounts late
NBB · filings
raises risk · Loss of €124,177 (financial year 2025)
NBB · annual accounts
raises risk · 2025 accounts filed 50 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
50 days late
2024
60 days late
2023
30 days late
2022
28 days late
2021
30 days late
2020
2 days early
2019
84 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 40 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

CH
Chris Hollander
Director
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0663722696
Change of role: Chris Hollander, from manager to director Issue of 1 share · Director discharge: Chris Hollander (manager) · General meeting of 01-02-2024 · Gazette deed
Incorporation published on 05-10-2016 · Gazette deed
First establishment Leliestraat 11, Bonheiden
All 23 events

Comparable companies

same main activity, similar in size and age
Company
ANDERS Bonheiden €71,907 -€26,337 97.6% -
ThinkHat Duffel €64,824 -€19,778 86.6% -
Nordkapp Tolhuin Antwerp €68,002 -€10,970 96.9% -
Cumulus Media Belgium Westerlo €69,073 -€11,809 98.1% -
TRECIME Mechelen €69,526 -€50,937 77.9% -
B Enterprise Solutions Wuustwezel €68,272 -€47,560 80.5% -
D²CONCEPTS Kapellen €85,570 -€24,946 -10.4% -

These companies have the same main activity as ANDERS: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €64,800 and €85,600, founded between 2014 and 2018.

Official details

Source: KBO
Status
Active since 03-10-2016Normal situation
Activity
Computer consultancy and computer facilities managementNACE 62200and 2 others
Establishment unit
2.257.137.0452820 Bonheiden, since 03-10-2016
Financial year end
31 December
Peppol
Reachable since 24-12-2025
Company details

Annual accounts 2025

-€26,337
€124,177
€70,202▼ 63.9%
€71,907▼ 66.9%
Filing
Filed on 19-09-2026
Financials

Insights on ANDERS

ANDERS files the micro format. That format states no turnover. The gross margin fell from €8,156 in 2016 to -€26,337 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 19-09-2026, 50 days late
-€26,337
▼ €62,445
-€37,930
▼ €56,576
-€124,177
▼ €184,792
€42,117
▼ 71.6%
97.6%
▲ 8.2 percentage points
25.71
▲ 18.28

Turnover and EBIT margin are not published. The micro format does not require them.

Balance sheet

balance sheet total €71,907 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

97.6%

Higher than 95% of 21,208 companies in 2025.

25.71

Higher than 95% of 20,571 companies in 2025.

-172.7%

Lower than 95% of 20,746 companies in 2025.

ANDERS Middle half of the sector 80% of the sector Micro accounts in computer programming and consultancy (NACE 62)

Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2025202420232022202120202019201820172016
Balance sheet: assets
20/58 71,907217,464226,702145,329110,17581,16656,31842,45812,89618,695
21/28 28,08546,03060,89118,9773,1105,5321,4436,0338,044-
22/27 28,08546,03060,89118,9773,1105,5321,4436,0338,044-
23 ---2008012,1241,443---
24 28,08546,03060,89118,7762,3083,408-6,0338,044-
29/58 43,822171,433165,811126,352107,06575,63554,87436,4244,85218,695
40/41 1634,7899,3201355,07123,1944,7661353278,978
40 -3035,977-4,93717,8964,628--8,978
41 1634,4873,3421351355,298138135327-
50/53 --129,40584,70441,13038,917----
54/58 43,143165,09525,58040,35359,18112,42548,55435,7983,9409,717
490/1 5161,5491,5071,1601,6831,0991,555492586-
Balance sheet: equity and liabilities
10/49 71,907217,464226,702145,329110,17581,16656,31842,45812,89618,695
10/15 70,202194,379133,765133,765102,51464,43230,99210,8713,3565,216
10/11 1111111111
100 ------1111
13 70,201194,378133,764133,764102,51364,43130,99110,8703,3555,215
130/1 ---3,1833,1833,183----
130 ------3,1833,1831,3041,304
1311 ---3,1833,1833,183----
133 70,201194,378133,764130,58199,33061,24827,8087,6882,0513,911
17/49 1,70523,08492,93711,5647,66116,73425,32631,5869,54013,479
17 ---------4,000
170/4 ---------4,000
42/48 1,70523,08427,96311,5647,66116,73425,32631,5869,5409,479
44 1,1317971,4071,1011,1093611968715623
440/4 1,1317971,4071,1011,1093611968715623
45 15311,519-8,7692,25112,21118,55611,2135545,718
450/3 15311,519-8,7692,25112,21111,3764,7135545,718
454/9 ------7,1806,500--
47/48 42110,76926,5561,6944,3014,1626,57520,2878,8303,738
492/3 --64,974-------
Income statement
76A 884---------
9900 -26,33736,10859,00449,60854,92151,66538,07713,4271,3838,156
630 11,47317,28112,1126,3232,4222,0637222,0112,011-
640/8 1201811941783303585,577779729-
9901 -37,93018,64646,69843,10752,16949,24431,77810,637-1,3578,156
75/76B 265,077--6-27--
75 265,077--6-27--
65/66B 85,8561,590107106753,467392935613
65 85,8561,590107106753,467392935613
9903 -123,78482,13346,59143,00052,10045,77731,38910,551-1,4138,144
67/77 39321,51911,82211,74914,01812,33711,2683,0354472,929
9904 -124,17760,61534,76931,25138,08233,44020,1207,516-1,8605,215
9905 -124,17760,61534,76931,25138,08233,44020,1207,516-1,8605,215
Appropriation of the result
9906 -124,17760,61534,76931,25138,08233,44020,1207,516-1,8605,215
791/2 124,177-------1,860-
691/2 -60,615-31,25138,08233,44020,1207,516-5,215
6920 -------1,879-1,304
6921 -60,615-31,25138,08233,44020,1205,637-3,911
694/7 --34,769-------
694 --34,769-------
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 19-09-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 50 days after the deadline. Filed on 19 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00521254.

Financial year Type Filed Reference Document
31-12-2025 micro format 19-09-2026 2026-00521254 PDF
31-12-2024 micro format 29-09-2025 2025-00517950 PDF
31-12-2023 micro format 30-08-2024 2024-00454825 PDF
31-12-2022 micro format 28-08-2023 2023-00361562 PDF
31-12-2021 micro format 30-08-2022 2022-20351087 PDF
31-12-2020 micro format 29-07-2021 2021-42400385 PDF
31-12-2019 micro format 23-10-2020 2020-62700592 PDF
31-12-2018 micro format 27-08-2019 2019-53800587 PDF
31-12-2017 micro format 29-08-2018 2018-57900543 PDF
31-12-2016 micro format 31-08-2017 2017-58400077 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2025202420232022202120202019201820172016
-26,45735,92758,81049,43054,59151,30732,50012,648654-
-112,70477,89646,88137,57440,50435,50320,8429,527151-
-6,4722,42154,02622,19006,1512,165010,056-
-121,953139,515-14,773-18,82846,756-36,12912,75631,858-5,777-
42,117148,349137,848114,78899,40458,90029,5484,838-4,6899,216
97.6%89.4%59.0%92.0%93.0%79.4%55.0%25.6%26.0%27.9%
25.717.435.9310.9313.974.522.171.150.511.97
0.020.120.690.090.070.260.822.912.842.58
-176.9%31.2%26.0%23.4%37.1%51.9%64.9%69.1%-55.4%100.0%
-172.7%27.9%15.3%21.5%34.6%41.2%35.7%17.7%-14.4%27.9%
-0.3122.60over 100over 100over 100-----

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets-€2,421€54,026€22,190-
€11,473€17,281€12,112€6,323€2,422

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on ANDERS

The operating result for 2025 is a loss of €37,930, after a profit of €18,646 in 2024. It is the lowest result since 2016.

Debt's share of the balance-sheet total falls from 10.6% to 2.4%. Equity and debt are lower.

Board & ownership

Board

1 director, last change in 2024
Chris Hollander
Director (not named in the articles)
appointed by deed of 08-02-2024 term without a fixed end
earlier manager, until 08-02-2024
listed in the 2025 annual accounts, filed on 19-09-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 08-02-2024

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
Chris Hollander
Director (not named in the articles)
BoardEarliermandate already running before its first mention
Mandates as a list
  • Chris Hollander
    • Director (not named in the articles), since before 31-12-2021
    • Manager, until 08-02-2024

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€1
Source
2025 annual accounts

Articles of association

deed of 08-02-2024 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
“Met of zonder beperking van duur, algemene vergadering bepaalt aantal, duur van opdracht en bij meerdere bestuurders bevoegdheid”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
2 June at 19:00

Network & group

No group

ANDERS has no parent and no holdings in its annual accounts. Chris Hollander is the only director. ANDERS shares no director with another company.

The LEI register names no parent.

Timeline

Timeline

23 events since 2016

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 50 days late
2025
Weakest financial year net -€124,177 The net result drops to -€124,177, the lowest from 2016 to 2025.
Liquidity more than triples current ratio 25.71 The current ratio rises from 7.43 to 25.71. Short-term debt falls from €23,084 to €1,705.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0663722696
Annual accounts 2024 filed PDFmicro format · 60 days late
2024
Highest result from 2016 to 2025 net €60,615 ▲74.3% The net result of €60,615 is the highest of those years.
Equity above €150,000 equity €194,379 ▲45.3% After 7 profitable years in a row, equity reaches €194,379.
Annual accounts 2023 filed PDFmicro format · 30 days late
Change of role: Chris Hollander, from manager to directorIssue of 1 share · Director discharge: Chris Hollander (manager) · General meeting of 01-02-20245 points ▸
  • Director resignation, Chris Hollander (manager)
  • Director appointment, Chris Hollander (director (not named in the articles))
  • Director discharge, Chris Hollander (manager)
  • General meeting, 01-02-2024
  • Registered office clause, Leliestraat 11, 2820 Bonheiden
  • The deed holds 4 more points.

Open the deed in the Belgian Official Gazette

2023
Annual accounts 2022 filed PDFmicro format · 28 days late
2022
Annual accounts 2021 filed PDFmicro format · 30 days late
2021
Liquidity more than triples current ratio 13.97 The current ratio rises from 4.52 to 13.97. Short-term debt falls from €16,734 to €7,661.
Equity above €100,000 equity €102,514 ▲59.1% After 4 profitable years in a row, equity reaches €102,514.
Annual accounts 2020 filed PDFmicro format · 2 days before the deadline
2020
Liquidity more than doubled current ratio 4.52 The current ratio rises from 2.17 to 4.52. Short-term debt falls from €25,326 to €16,734.
Annual accounts 2019 filed PDFmicro format · 84 days late
2019
Annual accounts 2018 filed PDFmicro format · 27 days late
2018
Back to profit net €7,516 The net result is €7,516, after one loss-making year.
Liquidity more than doubled current ratio 1.15 The current ratio rises from 0.51 to 1.15.
Annual accounts 2017 filed PDFmicro format · 29 days late
2017
Annual accounts 2016 filed PDFmicro format · 31 days late
2016
Incorporation PDFpublished on 05-10-2016
First establishment Leliestraat 11, Bonheiden

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

ANDERS was incorporated on 3 October 2016.1 Total assets rose from €42,458 in 2018 to €71,907 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2018 and 2025

Company details

Identity

Enterprise number
0663.722.696
VAT number
BE 0663.722.696
Peppol ID
0208:0663722696
Other Peppol ID
9925:BE0663722696
LEI code
875500A6UI4UM06UER72 live in the LEI register
Legal form
Private limited company
Status
Active, normal situation
Founded
03-10-2016
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
2 June at 19:00
deed of 08-02-2024 (in Dutch)
Peppol
Reachable since 24-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
ANDERS in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 08-02-2024 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 08-02-2024 (in Dutch)

Activities

NACEBEL 2025
62200 Computer consultancy and computer facilities management main activity
47400 Retail sale of information and communication equipment
63100 Computing infrastructure, data processing, hosting and related activities
Codes under NACEBEL 2008
62020 IT consultancy main activity
47410 Retail trade
63110 Computing infrastructure, data processing, hosting and other information service activities
PurposeThe purpose describes the activities the company may carry out under its articles.
“Leveren van advies rond IT en technologie aan klanten en potentiële klanten; IT en technologische producten leveren aan klanten; Promotie…”
10 activities
  1. Leveren van advies rond IT en technologie aan klanten en potentiële klanten
  2. IT en technologische producten leveren aan klanten
  3. Promotie voeren rond IT en technologie
  4. Ontwikkeling en onderhoud van software
  5. Opleiding en bijscholing van personeel en bestuurder om het kennisvlak te vergroten
  6. Opleiding en bijscholing voor klanten en hun afgevaardigden
  7. Aankoop van technologische materialen en diensten ter ondersteuning van de ontwikkeling van de technische vaardigheden voor personeel, bestuurder en klanten. Alsook ter gebruik van demonstraties en promotie naar potentiële klanten
  8. Het verwerven, onderhouden, verhuren en verkopen van vastgoed als belegging of ter ondersteuning van het voorwerp van de vennootschap
  9. Beleggingen in roerend goed
  10. Vermogensvoordeel aan de bestuurders brengen
deed of 08-02-2024 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Leliestraat 11 registered office 2820 Bonheiden 03-10-2016 2.257.137.045

Buildings and parcels at the address

Ground area
570 m²
Buildings
141 m²
Volume, LiDAR
420 m³
Tallest building
4.0 m
Buildings to scale, each on its own parcel
141 m², 4.0 m 141 m², 4.0 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
12031B0194/00B002570 m² 1 · 141 m² 4.0 m · 1

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