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ANDY&BE

Active
Private limited companyfounded 2023active for 2 yearsHelmetsesteenweg 133, 1030 Schaarbeek, BelgiumKBO/BCE: BE 1003.840.231
Summary

The computed 12-month bankruptcy probability of ANDY&BE is 6.3% (elevated). The 2024 annual accounts show equity of €36,230 and a net result of €26,249. Its solvency ranks better than 30% of 35,976 sector peers (NACE 43, financial year 2024). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
ANDY&BEActiveChecked score 36/100
Risk analysis ReportCompare

Overview

Activity
Insulation installation
NACE 43230
1 site
Size
€127,019total assets 2024
Equity
€36,230
Profit
€26,249
Turnover not published (micro format)
Financial health
36 Weak Checked score 2024
Bankruptcy probabilitywithin 12 months
6.3%
Structure
2024 accounts filed 29 days late
Why 36raises riskFigures for financial year 2024 (filed 29-08-2025)Founded in 2023Liquidity: current ratio 1.40, cash €311 financial year not filed after the legal deadline; last filed accounts filed 29 days lateShow the evidence

Checked score

Score 2024
36 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 39% of its sector peers (NACE 43, micro)
Every signal that counts is listed under Signals.
Financial strength
Average
Solvency 54
equity 28.5% of total assets
Liquidity 12
short-term debt 71.5% · cash 0.0%
Profitability 95
return on assets 20.7%
Bankruptcy probability, 12 months
6.3% Elevated
0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,639 companies, NACE 43, micro)
Last 24 months 01-2025: 3.9%lowest value 02-2025: 3.9%● unchanged vs 01-2025lowest value 03-2025: 4.1%▲ +0.2 percentage points vs 02-2025 04-2025: 4.5%▲ +0.4 percentage points vs 03-2025 05-2025: 4.7%▲ +0.2 percentage points vs 04-2025 06-2025: 5.1%▲ +0.4 percentage points vs 05-2025 07-2025: 5.1%● unchanged vs 06-2025 08-2025: 5.3%▲ +0.2 percentage points vs 07-2025 09-2025: 5.0%▼ -0.3 percentage points vs 08-2025 10-2025: 5.0%● unchanged vs 09-2025 11-2025: 5.1%▲ +0.1 percentage points vs 10-2025 12-2025: 5.3%▲ +0.2 percentage points vs 11-2025 01-2026: 5.3%● unchanged vs 12-2025 02-2026: 5.3%● unchanged vs 01-2026 03-2026: 5.3%● unchanged vs 02-2026 04-2026: 6.0%▲ +0.7 percentage points vs 03-2026 05-2026: 6.7%▲ +0.7 percentage points vs 04-2026 06-2026: 6.8%▲ +0.1 percentage points vs 05-2026 07-2026: 6.8%● unchanged vs 06-2026 08-2026: 7.1%▲ +0.3 percentage points vs 07-2026 09-2026: 7.3%▲ +0.2 percentage points vs 08-2026highest value 10-2026: 6.3%▼ -1.0 percentage point vs 09-2026
Credit of up to €1,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity tight (current ratio 1.4, below the usual 1.5; short-term debt: 71.5% and cash: 0% of total assets), and 71.5% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 43, micro): better than 30% on solvency, 7% on liquidity and 81% on profitability.

The bankruptcy probability was computed on 25-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
raises risk
raises risk · Figures for financial year 2024 (filed 29-08-2025)
NBB · annual accounts
raises risk · Founded in 2023
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Liquidity: current ratio 1.40, cash €31
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 29 days late
NBB · filings
raises risk · 2024 accounts filed 29 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 1 filing
Deviation from the deadline
2024
29 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 29 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Registered office · Capital & sharesRegistered-office move · Shareholding
  3. IncorporationAppointments: CLETESTEANU Andrei (director) and…

Key points

  • Board2 directors in office 2 View
  • Total assets 2024first financial year filed €127,019 View
  • Active since 2023founded 22-12-2023 2 years View

By topic

Financials

Financial year
2024
Total assets
€127,019
Profit
€26,249
Solvency
28.5%
Go to Financials

Company details

Sites
1
Legal form
Private limited company
Activity
Insulation installationNACE 43230
Founded
22-12-2023
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

Key facts about ANDY&BE

What is the company number of ANDY&BE?
1003.840.231. In Belgium the VAT number is the company number with BE in front: BE 1003.840.231.
Where is ANDY&BE based?
The registered office is at Helmetsesteenweg 133, 1030 Schaarbeek.Company details
What does ANDY&BE do?
According to the KBO register, the main activity is insulation installation (NACE 43230).
What is the legal form of ANDY&BE?
Private limited company (BV).
When was ANDY&BE founded?
On 22-12-2023.
Is ANDY&BE still active?
Yes, ANDY&BE is an active enterprise in the KBO register.
What is the turnover of ANDY&BE?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is ANDY&BE profitable?
In financial year 2024, ANDY&BE made a profit of €26,249.
Where can I find the annual accounts of ANDY&BE?
ANDY&BE filed 1 annual account with the National Bank of Belgium, for financial year 2024.

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