Equity
€38,220 from €253,969 in 2007
Equity fell by 85% in 18 years.
Andi Financial Care
Lifetime
20 annual accounts with figures on one time axis, 41 filings since 1985peak €1.5m (2007)
€24,964▼ 32.6%
lowest -€183,588 (2011)
€19,219▼ 37.6%
peak €253,969 (2007)
€38,220▲ 101%
€14,152▼ 26.2%
peak 21 FTE (2008)
-not published
Board1 name since 2019
1 directorSCHAEKERS Dirk
Documentsfilings and deeds
21-08-202621 days late
2025micro format
Gross margin from €37,037 to €24,964Result from €30,819 to €19,219Equity from €19,001 to €38,220Debts from €19,177 to €14,152Cash from €8,027 to €673
Key points
from the 2025 annual accountsChecked score
92
Excellent
Financially stronger than 69% of micro companies in advertising and market research (NACE 73)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 11,229 companies (NACE 73, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.5%▲ +0.1 percentage points vs 05-2025
07-2025: 0.6%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.1%▼ -0.5 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025lowest value
11-2025: 0.1%● unchanged vs 10-2025lowest value
12-2025: 0.1%● unchanged vs 11-2025lowest value
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
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: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Profit of €19,219 (financial year 2025)
Liquidity: current ratio 3.49, cash €673, halved
lowers risk
Founded in 1985
Figures for financial year 2025 (filed on 21-08-2026)
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 73, micro). It does better than 71% of them on solvency, 24% on liquidity, 88% on profitability and 91% on growth.
The bankruptcy probability was computed on 07-11-2026 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, 31,368 companies had the same profile as Andi Financial Care has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Andi Financial Care itself: 0.2% within 12 months.
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.
| 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 31,368 companies, not a prediction for Andi Financial Care. 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 is acceptable
Liquidity is ample, with a current ratio of 3.49 (1.75 in 2024), above the usual 1.5. Short-term debt is 27% and cash 1.3% of total assets. 27% 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
raises risk · 2025 accounts filed 21 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 filingsDeviation from the deadline
2025
21 days late
2024
3 days early
2023
15 days early
2022
55 days late
2021
121 days late
2020
102 days late
2019
31 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 45 days after the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% 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 21 August (4 of the last 5 accounts filed within 35 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0426756844
Company renamed from CHATRUCO to Andi Financial Care
Resignation: SCHAEKERS Dirk (director, formerly manager) · Reappointment: SCHAEKERS Dirk (director) · Director discharge: SCHAEKERS Dirk · General meeting of 28-12-2022 · Gazette deed
Registered office moved within Vilvoorde
New registered office: Witherenstraat 39 bus 01 04; B-1800 Vilvoorde · Previous registered office: Grote Markt 20 bus 4; 1800 Vilvoorde · Gazette deed
Incorporation
published on 16-02-1985 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Andi Financial Care Vilvoorde | €52,372 | €24,964 | 73.0% | - |
| DG CONSEIL Rixensart | €46,726 | €21,027 | 44.6% | - |
| Vanjewelste Mortsel | €40,466 | €25,054 | 76.0% | - |
| DE VAN'S Lasne | €70,660 | €20,082 | 95.8% | - |
| SERVICE CONSULTANCE TECHNIQUE Ottignies-Louvain-la-Neuve | €61,034 | €21,314 | 74.1% | - |
| ANDA Anderlecht | €78,101 | €20,770 | 35.3% | - |
| C.C.S.A CONSULTING & MANAGEMENT COMPANY Zaventem | €72,610 | €40,506 | 62.9% | - |
These companies have the same main activity as Andi Financial Care: public relations and communication consultancy (NACE 73300). They are comparable in size and age: total assets between €40,500 and €78,100, founded between 1982 and 1995.
Official details
Source: KBO- Status
- Active since 04-02-1985Normal situation
- Activity
- Public relations and communication consultancyNACE 73300and 2 others
- Establishment unit
- 2.026.301.8881800 Vilvoorde, since 04-02-1985
- Financial year end
- 31 December
- Peppol
- Reachable since 27-03-2026
Insights on Andi Financial Care
Andi Financial Care files the micro format. That format states no turnover. The gross margin fell from €1.4m in 2006 to €24,964 in 2025.
The balance sheet grew most from 2007 to 2008 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Andi Financial Care
- What is the company number of Andi Financial Care?
- The company number of Andi Financial Care is 0426.756.844. The VAT number is the same number with BE in front: BE 0426.756.844.
- Where is Andi Financial Care based?
- The registered office is at Witherenstraat 39, 1800 Vilvoorde.Company details
- What does Andi Financial Care do?
- According to the KBO register, the main activity is public relations and communication consultancy (NACE 73300).
- What is the legal form of Andi Financial Care?
- Andi Financial Care is a private limited company (BV).
- When was Andi Financial Care founded?
- Andi Financial Care was founded on 04-02-1985.
- Is Andi Financial Care still active?
- Yes, Andi Financial Care is an active enterprise in the KBO register.
- What is the turnover of Andi Financial Care?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €24,964 and 40 comparable companies (NACE 73300). It probably lies between €65,000 and €260,000. It is a rough estimate. In financial year 2024 turnover was €49,000.Financials
- Is Andi Financial Care profitable?
- In financial year 2025, Andi Financial Care made a profit of €19,219.
- Where can I find the annual accounts of Andi Financial Care?
- Andi Financial Care filed 41 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Andi Financial Care due?
- Andi Financial Care must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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