Financials
- Fiscal year
- 2025
- Total assets
- €533,275
- Loss
- -€67,882
- Solvency
- 27.1%
Total assets▼ 3.5%
Net result
20222025
ANDERS
ActiveSummary
The computed 12-month bankruptcy probability of ANDERS is 3.6% (moderate). The 2025 annual accounts show equity of €144,701 and a net result of -€67,882. Equity is shrinking by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 47% of 16078 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Cafés and bars
NACE 56301
1 site
Size
€533,275total assets 2025
- Equity
- €144,701
- Loss
- -€67,882
Turnover not published (abridged schema)
Structure
Accounts filed 27 d late2 of 5 deeds read
Why 48- Sector Food and beverage service activities (NACE 56)- Latest accounts 27 days late; 1 of the last 3 late- Founded in 2021- Loss of €67,882, the second in a row (FY 2025)Show the evidence
Checked score
Score 2025
48
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 25% of its sector peers (NACE 56, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
52-11
equity 27.1% of total assets
Liquidity
20=
short-term debt 72.9% · cash 7.1%
Profitability
3-49
return on assets -12.7%
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 3.8%
12-2024: 3.8%● 0.0% vs 11-2024
01-2025: 3.8%● 0.0% vs 12-2024
02-2025: 3.8%● 0.0% vs 01-2025
03-2025: 3.9%▲ +0.8% vs 02-2025
04-2025: 4.7%▲ +22.5% vs 03-2025
05-2025: 5.0%▲ +5.4% vs 04-2025
06-2025: 5.1%▲ +2.7% vs 05-2025
07-2025: 5.4%▲ +5.7% vs 06-2025
08-2025: 5.4%▲ +0.5% vs 07-2025highest value
09-2025: 2.7%▼ -50.7% vs 08-2025lowest value
10-2025: 3.2%▲ +19.7% vs 09-2025
11-2025: 3.2%▼ -0.7% vs 10-2025
12-2025: 3.2%● 0.0% vs 11-2025
01-2026: 3.1%▼ -1.1% vs 12-2025
02-2026: 3.1%● 0.0% vs 01-2026
03-2026: 3.1%▼ -0.5% vs 02-2026
04-2026: 3.2%▲ +1.5% vs 03-2026
05-2026: 3.3%▲ +3.2% vs 04-2026
06-2026: 3.3%▲ +1.6% vs 05-2026
07-2026: 3.4%▲ +2.6% vs 06-2026
08-2026: 4.2%▲ +24.2% vs 07-2026
09-2026: 3.6%▼ -15.0% vs 08-2026
10-2026: 3.6%● 0.0% vs 09-2026
- Sector Food and beverage service activities (NACE 56) raises the probability
- Latest accounts 27 days late; 1 of the last 3 late raises the probability
- Founded in 2021 raises the probability for this profile
- Loss of €67,882, the second in a row (FY 2025) raises the probability
Credit up to €6,000 at 30 days acceptable
Liquidity short (current ratio 0.17 against 0.11 in 2024; short-term debt: 72.9% and cash: 7.1% of total assets), and 72.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 48%, liquidity 16%, profitability 18%, growth against the median 20%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year -€67,882
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 4 filingsDeviation from the deadline
2025
27 d late
2024
63 d late
2023
30 d late
2022
28 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 23 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% 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. Usually files around 29 August (3 of the last 4 filed years within 34 days of that day).
Companies Code · seven monthsPosition in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Resignation: WOODADVISERS (non-statutory director)Permanent representative: Danielle Muylle ·…
- Resignation: Maaike Desutter (non-statutory director)Power of attorney
Key points
By topic
Timeline
- Events
- 8
- Since
- 2023
- Next accounts
- by 31-07-2027
- 27-08-2026Annual accounts filed
- 21-05-2026Resignation: WOODADVISERS (non-statutory director)
- 05-05-2026Resignation: Maaike Desutter (non-statutory director)
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Cafés and barsNACE 56301
- Founded
- 26-11-2021
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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