Equity
-€6,092
Debts exceed assets in financial year 2025.
ANDY MAÇONNERIE
Lifetime
1 annual account with figurespeak €21,337 (2025)
€21,337
lowest -€8,092 (2025)
-€8,092
peak -€6,092 (2025)
-€6,092
€48,650
Board1 name since 2024
1 directorVAN OOTEGHEM Andy Roland Romain
Documentsfilings and deeds
29-09-202660 days late
2025micro format
Loss of €8,092First year with figures
Key points
from the 2025 annual accountsDebts
€48,650 114% of the balance sheet
Suppliers 40%Taxes and wages 1%Other 59%
Position in the sector
-14.3%
Lower solvency than 91% of companies in construction of buildings. Sector median 42.9% · 9,462 companies.
2025 accounts filed 60 days after the deadline
Checked score
36
Weak
Financially stronger than 20% of micro companies in construction of buildings (NACE 41)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
4.7% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2025: 3.6%lowest value
09-2025: 3.7%▲ +0.1 percentage points vs 08-2025
10-2025: 3.7%● unchanged vs 09-2025
11-2025: 4.2%▲ +0.5 percentage points vs 10-2025
12-2025: 4.2%● unchanged vs 11-2025
01-2026: 4.5%▲ +0.3 percentage points vs 12-2025
02-2026: 5.0%▲ +0.5 percentage points vs 01-2026
03-2026: 5.0%● unchanged vs 02-2026
04-2026: 4.8%▼ -0.2 percentage points vs 03-2026
05-2026: 4.7%▼ -0.1 percentage points vs 04-2026
06-2026: 5.1%▲ +0.4 percentage points vs 05-2026
07-2026: 5.2%▲ +0.1 percentage points vs 06-2026
08-2026: 5.2%● unchanged vs 07-2026highest value
09-2026: 5.2%● unchanged vs 08-2026highest value
10-2026: 4.7%▼ -0.5 percentage points vs 09-2026
11-2026: 4.7%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Last filed accounts filed 60 days late; 1 of the last 3 accounts late
Founded in 2024
lowers risk
Liquidity: current ratio 0.78, cash €16,401
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 41, micro). It does better than 8% of them on solvency, 48% on liquidity and 5% on profitability.
The bankruptcy probability was computed on 09-11-2026 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 elevated class on 30-06-2025, 6.3% 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, 7,639 companies had the same profile as ANDY MAÇONNERIE has now. Each dot stands for 20 companies, two years later.
84.7%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ANDY MAÇONNERIE itself: 4.7% 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 7,639 companies, not a prediction for ANDY MAÇONNERIE. 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
No credit on open account
Liquidity is insufficient, with a current ratio of 0.78, below 1. Short-term debt is 114.3% and cash 38.5% of total assets. Equity is negative.
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
Six signals.
lowers riskraises risk
raises risk · 2025 accounts filed 60 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 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 filingDeviation from the deadline
2025
60 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1011608149
Incorporation
Founding capital of €2,000, 100 shares · Founder: VAN OOTEGHEM Andy Roland Romain (comparant fondateur) · Appointment: VAN OOTEGHEM Andy Roland Romain (director) · published on 18-07-2024 · Gazette deed
First establishment
Rijselsteenweg 53, Mouscron
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ANDY MAÇONNERIE Mouscron | €42,558 | €21,337 | -14.3% | - |
| TBATGESTION La Louvière | €38,142 | €22,772 | 71.3% | - |
| SA CONCEPT Aiseau-Presles | €40,585 | €26,874 | 42.4% | - |
| CTBI Liège | €44,112 | €23,069 | 37.4% | - |
| END AFWERKINGEN Heusden-Zolder | €41,290 | €23,262 | 45.5% | - |
| AAS Concept Zaventem | €40,424 | €21,240 | 28.6% | - |
| AUGUSTYNS CONSULTING Kalmthout | €47,723 | €19,558 | 60.6% | - |
These companies have the same main activity as ANDY MAÇONNERIE: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €38,100 and €47,700, founded in 2024.
Official details
Source: KBO- Status
- Active since 16-07-2024Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 1 other
- Establishment unit
- 2.361.747.4867700 Mouscron, since 16-07-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 01-12-2025
Insights on ANDY MAÇONNERIE
The computed 12-month bankruptcy probability of ANDY MAÇONNERIE is 4.7% (elevated). The 2025 annual accounts show negative equity (-€6,092) and a net result of -€8,092.
Its solvency ranks better than 9% of 9,462 sector peers (NACE 41, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
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 ANDY MAÇONNERIE
- What is the company number of ANDY MAÇONNERIE?
- The company number of ANDY MAÇONNERIE is 1011.608.149. The VAT number is the same number with BE in front: BE 1011.608.149.
- Where is ANDY MAÇONNERIE based?
- The registered office is at Rijselsteenweg 53, 7700 Mouscron.Company details
- What does ANDY MAÇONNERIE do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of ANDY MAÇONNERIE?
- ANDY MAÇONNERIE is a private limited company (BV).
- When was ANDY MAÇONNERIE founded?
- ANDY MAÇONNERIE was founded on 16-07-2024.
- Is ANDY MAÇONNERIE still active?
- Yes, ANDY MAÇONNERIE is an active enterprise in the KBO register.
- How many employees does ANDY MAÇONNERIE have?
- ANDY MAÇONNERIE had an average of 0.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of ANDY MAÇONNERIE?
- The turnover in financial year 2025 is ≈ €260,000. This figure is estimated from the gross margin of €21,337 and 263 comparable companies (NACE 41001). It probably lies between €130,000 and €460,000. It is a rough estimate.
- Is ANDY MAÇONNERIE profitable?
- In financial year 2025, ANDY MAÇONNERIE made a loss of €8,092.
- Where can I find the annual accounts of ANDY MAÇONNERIE?
- ANDY MAÇONNERIE filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.