ANDRE
ActiveSummary
ANDRE has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €120,965 and a net result of €2,460. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 59% of 10429 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability40=
Solvency71▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity short (current ratio 0.76 against 0.75 in 2024; short-term debt: 54.3% and cash: 37.6% of total assets), and 54.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 · 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
45.7%
Return on assets
0.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-04-2026, 109 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
109 d early
2024
97 d early
2023
34 d early
2022
3 d late
2021
24 d late
2020
52 d early
2019
57 d early
← 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 46 days before 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#7 oldest company in Balen, Wholesale and retail trade sector
Equity
€120,965▲ 2.1%
2024 · €118,504
Total assets
€264,932▼ 0.1%
2024 · €265,252
Net result
€2,460▼ 21.4%
2024 · €3,128
Working capital
-€34,515▲ 6.7%
2024 · -€36,975
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€24,061▲ 18.5%€6,016▼ 75.0%€3,658▼ 39.2%€4,564▲ 24.8%€3,681▼ 19.3%
Net result€16,811▲ 14.4%€3,996▼ 76.2%€2,055▼ 48.6%€3,128▲ 52.3%€2,460▼ 21.4%
Equity€109,325▲ 18.2%€113,321▲ 3.7%€115,376▲ 1.8%€118,504▲ 2.7%€120,965▲ 2.1%
Total assets€239,911▼ 1.4%€234,765▼ 2.1%€227,881▼ 2.9%€265,252▲ 16.4%€264,932▼ 0.1%
Debt€130,586▼ 13.4%€121,443▼ 7.0%€112,505▼ 7.4%€146,748▲ 30.4%€143,967▼ 1.9%
Working capital-€46,154▲ 26.7%-€42,158▲ 8.7%-€40,103▲ 4.9%-€36,975▲ 7.8%-€34,515▲ 6.7%
Staff (FTE)9.6=9.1▼ 5.2%5.4▼ 40.7%5▼ 7.4%5.8▲ 16.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €264,932
Fixed assets
€155,479 =
Current assets
€109,452 ▼ 0.3%
Equity and liabilities €264,932
Equity
€120,965 ▲ 2.1%
Debt
€143,967 ▼ 1.9%
Debt's share of the balance-sheet total falls from 55.3% to 54.3%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
0.76▲
2024 · 0.75
Debt to equity
1.19▼
2024 · 1.24
ROE
2.0%▼
2024 · 2.6%
ROA
0.9%▼
2024 · 1.2%
Debt ≤ 1 year
€143,967▼
2024 · €146,748
Income taxes
€1,207▼
2024 · €1,396
Staff costs
€258,191▲
2024 · €211,867
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €230,835 | €223,928 | €203,987 | €211,867 | €258,191 | ▲ 21.9% |
| Other operating charges640/8 | €449 | €450 | €493 | €505 | €520 | ▲ 2.8% |
| Gross operating margin9900 | €255,344 | €230,394 | €208,138 | €216,936 | €262,392 | ▲ 21.0% |
| Operating profit (loss)9901 | €24,061 | €6,016 | €3,658 | €4,564 | €3,681 | ▼ 19.3% |
| Financial income75/76B | - | - | - | - | €26 | - |
| Recurring financial income75 | - | - | - | - | €26 | - |
| Financial charges65/66B | €114 | €46 | €459 | €39 | €40 | ▲ 3.5% |
| Recurring financial charges65 | €114 | €46 | €459 | €39 | €40 | ▲ 3.5% |
| Profit (loss) for the period before taxes9903 | €23,947 | €5,970 | €3,198 | €4,525 | €3,667 | ▼ 18.9% |
| Income taxes67/77 | €7,135 | €1,974 | €1,144 | €1,396 | €1,207 | ▼ 13.6% |
| Profit (loss) for the period9904 | €16,811 | €3,996 | €2,055 | €3,128 | €2,460 | ▼ 21.4% |
| Profit (loss) for the period to be appropriated9905 | €16,811 | €3,996 | €2,055 | €3,128 | €2,460 | ▼ 21.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €239,911 | €234,765 | €227,881 | €265,252 | €264,932 | ▼ 0.1% |
| Fixed assets21/28 | €155,479 | €155,479 | €155,479 | €155,479 | €155,479 | = |
| Financial fixed assets28 | €155,479 | €155,479 | €155,479 | €155,479 | €155,479 | = |
| Current assets29/58 | €84,431 | €79,285 | €72,401 | €109,773 | €109,452 | ▼ 0.3% |
| Amounts receivable within one year40/41 | €22,789 | €64,986 | €42,890 | €28,725 | €9,807 | ▼ 65.9% |
| Trade receivables40 | €22,789 | €64,986 | €42,890 | €28,725 | €1,925 | ▼ 93.3% |
| Other amounts receivable41 | - | - | - | - | €7,882 | - |
| Cash at bank and in hand54/58 | €61,642 | €14,300 | €27,454 | €79,210 | €99,645 | ▲ 25.8% |
| Deferred charges and accrued income490/1 | - | - | €2,057 | €1,837 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €239,911 | €234,765 | €227,881 | €265,252 | €264,932 | ▼ 0.1% |
| Equity10/15 | €109,325 | €113,321 | €115,376 | €118,504 | €120,965 | ▲ 2.1% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €90,733 | €94,729 | €96,784 | €99,912 | €102,373 | ▲ 2.5% |
| Non-distributable reserves130/1 | €1,876 | - | - | - | - | - |
| Reserves not available under the articles1311 | €1,876 | - | - | - | - | - |
| Distributable reserves133 | €88,858 | €94,729 | €96,784 | €99,912 | €102,373 | ▲ 2.5% |
| Amounts payable17/49 | €130,586 | €121,443 | €112,505 | €146,748 | €143,967 | ▼ 1.9% |
| Amounts payable within one year42/48 | €130,586 | €121,443 | €112,505 | €146,748 | €143,967 | ▼ 1.9% |
| Trade debts44 | €14,224 | €10,930 | €26,047 | €38,402 | €30,344 | ▼ 21.0% |
| Suppliers440/4 | €14,224 | €10,930 | €26,047 | €38,402 | €30,344 | ▼ 21.0% |
| Taxes, remuneration and social security45 | €46,092 | €50,514 | €26,458 | €48,346 | €50,942 | ▲ 5.4% |
| Taxes450/3 | €33,826 | €26,815 | €13,049 | €21,853 | €22,734 | ▲ 4.0% |
| Remuneration and social security454/9 | €12,266 | €23,699 | €13,409 | €26,493 | €28,208 | ▲ 6.5% |
| Other amounts payable47/48 | €70,269 | €60,000 | €60,000 | €60,000 | €62,681 | ▲ 4.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,811 | €3,996 | €2,055 | €3,128 | €2,460 | ▼ 21.4% |
| Operating cash flow (approximation) | €16,811 | €3,996 | €2,055 | €3,128 | €2,460 | ▼ 21.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€47,342 | €13,154 | €51,757 | €20,435 | ▼ 60.5% |
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
13-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2021
31-12
Financial
Highest result since 2018net €16,811 ▲14.4%
Operating result €24,061, net result €16,811, both a record.
31-12
Financial
Equity above €100,000Eq €109,325 ▲18.2%
4 profitable years in a row build equity to €109,325.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €518 ▼85.6%
Net result drops to €518, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Balen · 1 establishment unit since 1977
Ground area
2,204 m²
Building footprint
918 m²
Volume, LiDAR
4,901 m³
Parcel 13003A0110/00S030, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Postelweg 21, 2490 Balen
since 19772.013.482.052
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003A0110/00S030 | Flanders | 2,204 m² | 1 · 918 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 owner · 1 holdingOwners 1
- SAWBparentSourceaccounts SAWB 2025100%
Holdings 1
-
20%
According to the 2025 annual accounts of ANDRE and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 10,664 companies in sector 47811 we hold annual accounts for 5,221. 3,687 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
Founded22-04-1977
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47784Retail sale of souvenirs and religious articles
33110Repair and maintenance of fabricated metal products
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
63920Other information service activities
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0417138996
Also
9925:BE0417138996
Registered
08-01-2026
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.