ANDIL
ActiveSummary
ANDIL has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89,467 and a net result of €48,970. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability94▲+26
Solvency62▲+10
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 1.51 against 1.21 in 2024; short-term debt: 62.8% and cash: 15.8% of total assets), but 62.8% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
37.2%
Return on assets
20.4%
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 12-08-2026, 12 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
12 d late
2024
2 d early
2023
31 d late
2022
29 d late
2021
58 d late
2020
30 d late
2019
88 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 35 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€89,467▲ 28.6%
2024 · €69,563
Total assets
€240,396▼ 6.7%
2024 · €257,736
Net result
€48,970
2024 · -€1,605
Working capital
€77,294▲ 93.3%
2024 · €39,984
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10,540▼ 6.3%€329▼ 96.9%€11,537▲ 3,408%-€6,483€58,241
Net result€7,430within the sector's middle half▼ 18.0%-€189within the sector's middle half€7,551within the sector's middle half-€1,605within the sector's middle half€48,970above the sector's middle half
Equity€78,807within the sector's middle half▲ 10.4%€78,617within the sector's middle half▼ 0.2%€86,168within the sector's middle half▲ 9.6%€69,563within the sector's middle half▼ 19.3%€89,467within the sector's middle half▲ 28.6%
Total assets€323,805above the sector's middle half▼ 5.7%€300,390within the sector's middle half▼ 7.2%€282,989within the sector's middle half▼ 5.8%€257,736within the sector's middle half▼ 8.9%€240,396within the sector's middle half▼ 6.7%
Debt€244,998▼ 9.9%€221,773▼ 9.5%€196,821▼ 11.3%€188,173▼ 4.4%€150,929▼ 19.8%
Working capital€60,117▲ 1.9%€57,930▼ 3.6%€59,776▲ 3.2%€39,984▼ 33.1%€77,294▲ 93.3%
Solvency24.3%within the sector's middle half▲ 3.5pp26.2%within the sector's middle half▲ 1.8pp30.4%within the sector's middle half▲ 4.3pp27.0%within the sector's middle half▼ 3.5pp37.2%within the sector's middle half▲ 10.2pp
Staff (FTE)4▲ 42.9%3.8▼ 5.0%4.1▲ 7.9%4.3▲ 4.9%3.6▼ 16.3%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €58,241 after a loss of €6,483 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240,396
Fixed assets
€12,173 ▼ 58.9%
Current assets
€228,223 =
Equity and liabilities €240,396
Equity
€89,467 ▲ 28.6%
Debt
€150,929 ▼ 19.8%
Debt's share of the balance-sheet total falls from 73.0% to 62.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75,656▲
2024 · €14,368
Cash flow
€66,384▲
2024 · €19,246
Current ratio
1.51▲
2024 · 1.21
Quick ratio
1.15▲
2024 · 0.98
Debt to equity
1.69▼
2024 · 2.71
ROE
54.7%▲
2024 · -2.3%
ROA
20.4%▲
2024 · -0.6%
Interest coverage
19.33▲
2024 · 16.35
Debt ≤ 1 year
€150,929▼
2024 · €188,165
Income taxes
€12,394▲
2024 · €1,757
Staff costs
€116,689▼
2024 · €139,389
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €79 | - | - | - | €10,950 | - |
| Remuneration, social security and pensions62 | €116,333 | €102,560 | €109,962 | €139,389 | €116,689 | ▼ 16.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,583 | €25,216 | €27,073 | €20,851 | €17,415 | ▼ 16.5% |
| Other operating charges640/8 | €5,007 | €3,843 | €3,283 | €3,401 | €3,607 | ▲ 6.1% |
| Gross operating margin9900 | €157,463 | €131,948 | €151,854 | €157,158 | €195,952 | ▲ 24.7% |
| Operating profit (loss)9901 | €10,540 | €329 | €11,537 | -€6,483 | €58,241 | ▲ 998% |
| Financial income75/76B | €6,974 | €8,656 | €6,582 | €7,514 | €7,036 | ▼ 6.4% |
| Recurring financial income75 | €6,974 | €8,656 | €6,582 | €7,514 | €7,036 | ▼ 6.4% |
| Financial charges65/66B | €2,477 | €3,444 | €4,709 | €879 | €3,914 | ▲ 345% |
| Recurring financial charges65 | €2,477 | €3,444 | €4,709 | €879 | €3,914 | ▲ 345% |
| Profit (loss) for the period before taxes9903 | €15,037 | €5,541 | €13,410 | €152 | €61,363 | ▲ 40,183% |
| Income taxes67/77 | €7,607 | €5,730 | €5,859 | €1,757 | €12,394 | ▲ 605% |
| Profit (loss) for the period9904 | €7,430 | -€189 | €7,551 | -€1,605 | €48,970 | ▲ 3,151% |
| Profit (loss) for the period to be appropriated9905 | €7,430 | -€189 | €7,551 | -€1,605 | €48,970 | ▲ 3,151% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €323,805 | €300,390 | €282,989 | €257,736 | €240,396 | ▼ 6.7% |
| Fixed assets21/28 | €95,380 | €70,163 | €50,438 | €29,588 | €12,173 | ▼ 58.9% |
| Tangible fixed assets22/27 | €94,562 | €69,346 | €49,621 | €28,770 | €11,355 | ▼ 60.5% |
| Land and buildings22 | €68,900 | €53,000 | €37,100 | €21,200 | €5,300 | ▼ 75.0% |
| Furniture and vehicles24 | €15,755 | €7,485 | €4,707 | €803 | €335 | ▼ 58.3% |
| Other tangible fixed assets26 | €9,907 | €8,861 | €7,814 | €6,767 | €5,721 | ▼ 15.5% |
| Financial fixed assets28 | €818 | €818 | €818 | €818 | €818 | = |
| Current assets29/58 | €228,425 | €230,227 | €232,551 | €228,148 | €228,223 | = |
| Stocks and contracts in progress3 | €39,106 | €30,063 | €49,215 | €44,358 | €54,755 | ▲ 23.4% |
| Stocks30/36 | €39,106 | €30,063 | €49,215 | €44,358 | €54,755 | ▲ 23.4% |
| Amounts receivable within one year40/41 | €129,513 | €155,148 | €127,663 | €136,135 | €135,427 | ▼ 0.5% |
| Trade receivables40 | €3,702 | €16,716 | €8,418 | €620 | €4,960 | ▲ 700% |
| Other amounts receivable41 | €125,811 | €138,432 | €119,245 | €135,515 | €130,467 | ▼ 3.7% |
| Cash at bank and in hand54/58 | €57,946 | €45,016 | €55,673 | €47,655 | €38,042 | ▼ 20.2% |
| Deferred charges and accrued income490/1 | €1,859 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €323,805 | €300,390 | €282,989 | €257,736 | €240,396 | ▼ 6.7% |
| Equity10/15 | €78,807 | €78,617 | €86,168 | €69,563 | €89,467 | ▲ 28.6% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €35,925 | €35,925 | €41,616 | €26,616 | €45,151 | ▲ 69.6% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Tax-exempt reserves132 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Distributable reserves133 | €31,065 | €31,065 | €38,616 | €23,616 | €42,151 | ▲ 78.5% |
| Profit (loss) carried forward14 | €36,681 | €36,492 | €38,352 | €36,747 | €38,117 | ▲ 3.7% |
| Amounts payable17/49 | €244,998 | €221,773 | €196,821 | €188,173 | €150,929 | ▼ 19.8% |
| Amounts payable after more than one year17 | €76,691 | €49,476 | €24,027 | - | - | - |
| Financial debts170/4 | €76,691 | €49,476 | €24,027 | - | - | - |
| Amounts payable within one year42/48 | €168,308 | €172,297 | €172,775 | €188,165 | €150,929 | ▼ 19.8% |
| Current portion of amounts payable after more than one year42 | €30,944 | €31,779 | €30,567 | €25,582 | €4,597 | ▼ 82.0% |
| Financial debts43 | - | - | - | €12,293 | - | - |
| Credit institutions430/8 | - | - | - | €12,293 | - | - |
| Trade debts44 | €49,762 | €51,288 | €98,804 | €88,023 | €56,526 | ▼ 35.8% |
| Suppliers440/4 | €49,762 | €51,288 | €98,804 | €88,023 | €56,526 | ▼ 35.8% |
| Taxes, remuneration and social security45 | €58,998 | €62,625 | €17,600 | €17,963 | €32,340 | ▲ 80.0% |
| Taxes450/3 | €15,493 | €9,349 | €2,722 | €3,778 | €10,960 | ▲ 190% |
| Remuneration and social security454/9 | €43,505 | €53,276 | €14,878 | €14,185 | €21,380 | ▲ 50.7% |
| Other amounts payable47/48 | €28,604 | €26,604 | €25,804 | €44,304 | €57,466 | ▲ 29.7% |
| Accrued charges and deferred income492/3 | - | - | €19 | €8 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,430 | -€189 | €7,551 | -€1,605 | €48,970 | ▲ 3,151% |
| + Depreciation and write-downs630 | €25,583 | €25,216 | €27,073 | €20,851 | €17,415 | ▼ 16.5% |
| Operating cash flow (approximation) | €33,013 | €25,027 | €34,624 | €19,246 | €66,384 | ▲ 245% |
| Investment in fixed assets (approximation) | - | €0 | -€7,348 | €0 | €0 | - |
| Change in cash | - | -€12,931 | €10,657 | -€8,018 | -€9,613 | ▼ 19.9% |
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Back to profitnet €48,970
Net result €48,970 after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€1,605
Net result drops to -€1,605, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Back to profitnet €7,551
Net result €7,551 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
2 acts for this company are 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, Etterbeek · 2 establishment units since 2003
Ground area
1,572 m²
Building footprint
408 m²
Volume, LiDAR
2,474 m³
3 parcels, Brussels, Flanders · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
JET
since 20032.134.585.364
JET
since 20042.135.377.301
3 parcels
Flanders
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016D0234/00R009 | Flanders | 1,187 m² | 1 · 146 m² | 8.8 m · 1 fl. |
| 21001A0549/00P000 | Brussels | 293 m² | 1 · 185 m² | 16.4 m · 1 fl. |
| 21364B0190/00M005 | Brussels | 93 m² | 1 · 77 m² | 14.8 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Recognitions · licences · registrations
Food safety, FASFC
1 siteDilbeek2.135.377.301
Similar companies · same sector, comparable size
PAESEN SIEBE
BE 0780.608.983
Bree · Eq €89,697
BROOS JP
BE 0728.986.870
Spa · Eq €89,954
BASECLES PETROLEUM
BE 0774.943.490
Beloeil · Eq €90,198
COMGER
BE 0822.273.651
Amay · Eq €90,330
SHOP730
BE 0870.517.095
Brecht · Eq €88,546
Of 1,265 companies in sector 47300 we hold annual accounts for 951. 786 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
Founded18-12-2003
Fiscal year end31-12
Activities, NACEBEL 2025
47300Retail sale of automotive fuel
47110Non-specialised retail sale with food, beverages or tobacco predominating
47252Retail sale of beverages, general range
47260Retail trade
Contact
Phone
02/522 67 11Anderlecht
E-invoicing
Reachable via Peppol
Peppol ID
0208:0862271305
Registered
21-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.