Financials
- Fiscal year
- 2025
- Total assets
- €2.4m
- Loss
- -€416,769
- Solvency
- 62.6%
Andy
ActiveSummary
The computed 12-month bankruptcy probability of Andy is 1.8% (moderate). The 2025 annual accounts show equity of €1.5m and a net result of -€416,769. Its solvency ranks better than 75% of 2275 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Freight transport by road
NACE 49410Retail sale of beverages, general range NACE 47252
2 sites
Size
€2.4mtotal assets 2025
- Staff
- 1.4 FTE
- Equity
- €1.5m
- Loss
- -€416,769
Turnover not published (abridged schema)
Structure
- Board
- 4 members
- Holdings
- 1
Accounts filed 31 d late1 of 5 deeds read
Why 55- Loss of €416,769 (FY 2025)- Sector Land transport and transport via pipelines (NACE 49)- Founded in 2024+ Equity €1.5m (62.6% of total assets)Show the evidence
Checked score
Score 2025
55
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 51% of its sector peers (NACE 49, micro)
Performance against the sector, not lower risk
Financial strength
Average
Solvency
88
equity 62.6% of total assets
Liquidity
65
short-term debt 23.2% · cash 18.8%
Profitability
0
return on assets -17.2%
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2025: 3.6%
08-2025: 3.7%▲ +2.3% vs 07-2025
09-2025: 3.8%▲ +1.8% vs 08-2025
10-2025: 4.2%▲ +11.5% vs 09-2025
11-2025: 4.2%▲ +0.4% vs 10-2025
12-2025: 4.6%▲ +8.7% vs 11-2025
01-2026: 5.0%▲ +9.1% vs 12-2025
02-2026: 5.0%▼ -0.5% vs 01-2026
03-2026: 4.8%▼ -2.7% vs 02-2026
04-2026: 5.5%▲ +12.7% vs 03-2026
05-2026: 5.9%▲ +7.1% vs 04-2026
06-2026: 6.0%▲ +2.3% vs 05-2026
07-2026: 6.0%▲ +0.3% vs 06-2026highest value
08-2026: 6.0%● 0.0% vs 07-2026highest value
09-2026: 1.8%▼ -70.2% vs 08-2026lowest value
10-2026: 1.8%● 0.0% vs 09-2026lowest value
- Loss of €416,769 (FY 2025) raises the probability
- Sector Land transport and transport via pipelines (NACE 49) raises the probability
- Founded in 2024 raises the probability for this profile
- Equity €1.5m (62.6% of total assets) lowers the probability
Credit up to €80,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.47; short-term debt: 23.2% and cash: 18.8% of total assets), and 37.4% 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 49, micro). Better than this share of them on solvency 74%, liquidity 72%, profitability 6%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · abbreviated…
- Resignations: DVS Consulting, PJW and VAN…Appointments: DVS Consulting, PJW and…
Key points
By topic
Board & ownership
- Board
- 4 members
Go to Board & ownership
Network & group
- Subsidiaries
- 1
1 subsidiary
Timeline
- Events
- 2
- Since
- 2026
- 31-08-2026Annual accounts filed
- 22-01-2026Resignations: DVS Consulting, PJW and VAN HOOL…
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Freight transport by roadNACE 49410
- Founded
- 14-06-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 32
- Annual meeting
- First Wednesday of June at 18:00
- Purpose
- Het goederenvervoer over en langs de weg,ongeacht de aard van de te vervoeren goederen,met…
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