Checked.be
Active
BE 0685.430.209Private limited company
Anders@
St.-Waldetrudisstraat(HRT) 95 ·2200 Herentals, Belgium· 8 yrs active
Sector: Retail sale of other household articles
(47559)
Conclusion
Anders@ has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57k and a net result of €73k. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 54% of 17366 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €57k |
| Net result | €73k |
| Better than sector | 54% |
| Active | 8 yrs |
Financial profile
84
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
91
Profitability
100
Solvency
73
Growth
58
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2017, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
91
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€5k
estimate, not credit advice
Score history
93
2021
100
2022
90
2023
81
2024
91
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.54 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.08 (≥ 1.0)
+5
Leverage
Debt/equity 1.56 (< 2.0)
+3
Profitability
ROE 129% (≥ 10%)
+10
Interest coverage
Interest coverage 323.6× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 27-08-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~7.2%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 39.0% | 34.6% | |
| Net result | €73k | €5k | |
| Equity | €57k | €44k | |
| Gross operating margin | €98k | €34k | |
| Staff costs | €1k | €40k |
€95k
+36.1%
21-25
€73k
+36.9%
21-25
€76k
+34.5%
21-25
€145k
-9.9%
21-25
€57k
0.0%
21-25
€48k
+6.9%
21-25
1
-23.1%
21-25
€1k
-91.8%
21-25
€19k
+33.6%
21-25
€73k
-6.9%
21-25
€89k
-15.3%
21-25
€89k
-15.3%
21-25
1.54
+7.9%
21-25
1.08
+12.5%
21-25
39.0%
+11.0%
21-25
1.56
-15.3%
21-25
129.0%
+36.9%
21-25
50.3%
+51.9%
21-25
323.61
+83.1%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €95k | €70k | €41k | €57k | €52k |
| Net profit | €73k | €53k | €32k | €39k | €27k |
| Cash flow | €76k | €57k | €33k | €46k | €42k |
| Staff costs | €1k | €17k | €25k | €20k | €16k |
| Income taxes | €19k | €14k | €9k | €12k | €10k |
| Dividends | €73k | €78k | €32k | €39k | €27k |
| Total assets | €145k | €161k | €136k | €152k | €140k |
| Equity | €57k | €57k | €82k | €82k | €73k |
| Debt | €89k | €104k | €55k | €71k | €67k |
| of which ≤ 1y | €89k | €104k | €55k | €71k | €67k |
| of which > 1y | - | - | - | - | - |
| Working capital | €48k | €45k | €70k | €80k | €64k |
| Employees (FTE) | - | - | 1.0 | 1.3 | 0.8 |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 1.54 | 1.43 | 2.28 | 2.13 | 1.95 |
| Quick ratio | 1.08 | 0.96 | 1.02 | 1.17 | 1.00 |
| Working capital ratio | 33.2% | 27.9% | 51.4% | 52.3% | 45.5% |
| Solvency | 39.0% | 35.1% | 59.9% | 53.6% | 52.2% |
| Debt / equity | 1.56 | 1.85 | 0.67 | 0.87 | 0.92 |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | 323.61 | 176.75 | 92.90 | 156.24 | 111.13 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 50.3% | 33.1% | 23.3% | 25.4% | 19.2% |
| ROE | 129.0% | 94.3% | 38.8% | 47.4% | 36.9% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | 32d | - | - | - |
| Inventory turnover | - | 2.51 | - | - | - |
| Days inventory (DSI) | - | 145d | - | - | - |
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €145k | €161k | €136k | €152k | €140k |
| Fixed assets | 21/28 | €8k | €12k | €12k | €2k | €9k |
| Tangible fixed assets | 22/27 | €8k | €12k | €12k | €2k | €9k |
| Current assets | 29/58 | €137k | €149k | €125k | €150k | €131k |
| Stocks & contracts in progress | 3 | €41k | €49k | €69k | €68k | €64k |
| Amounts receivable within one year | 40/41 | €24k | €52k | €48k | €57k | €32k |
| Cash & bank | 54/58 | €71k | €49k | €8k | €26k | €35k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €145k | €161k | €136k | €152k | €140k |
| Equity | 10/15 | €57k | €57k | €82k | €82k | €73k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k | €10k |
| Reserves | 13 | €38k | €38k | €63k | €63k | €63k |
| Amounts payable | 17/49 | €89k | €104k | €55k | €71k | €67k |
| Amounts payable within one year | 42/48 | €89k | €104k | €55k | €71k | €67k |
| Trade debts payable within one year | 44 | €3k | €11k | €3k | €3k | €6k |
| Income statement | ||||||
| Gross operating margin | 9900 | €98k | €97k | €68k | €79k | €70k |
| Operating result | 9901 | €92k | €67k | €40k | €49k | €37k |
| Financial income | 75 | €438 | €1k | €2k | €1k | €61 |
| Financial charges | 65 | €293 | €395 | €441 | €364 | €470 |
| Result before taxes | 9903 | €92k | €68k | €41k | €50k | €37k |
| Income taxes | 67/77 | €19k | €14k | €9k | €12k | €10k |
| Net result for the period | 9904 | €73k | €53k | €32k | €39k | €27k |
| Result to be appropriated | 9905 | €73k | €53k | €32k | €39k | €27k |
Legal Structure
| NACE primary | Retail sale of other household articles(47559) |
| Legal form | Private limited company(610) |
| Incorporation | 28-11-2017 |
| Status | Active |
| Postal code | 2200 |
Establishment units
Anders@Home
since 20172.270.454.749
Anders@Home
since 20182.270.454.848
Real-estate footprint
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13302D0651/00Y002 | Flanders | 630 m² | 1 · 177 m² | 12.4 m · 3 fl. |
| 31004A0206/00D000 | Flanders | 139 m² | 1 · 139 m² | 14.6 m · 1 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2021net €73k ▲36.9%
Operating result €92k, net result €73k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
12-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 73 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Retail sale of other household articles47559Retail trade47599Other business support services82990
Names & trade names
| Legal nameNL | Anders@ |
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