Losses
Every financial year from 2020 to 2025 closed with a loss. 2021 was the heaviest.
Every financial year from 2020 to 2025 closed with a loss. 2021 was the heaviest.
Short-term debts rose from €695 to €908.
Lower net result than 91% of companies in specialised construction. Sector median €9,998 · 37,193 companies.
In July 2024, 6,920 companies had the same profile as Ango has now. Each dot stands for 18 companies, two years later.
Another 0.2% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,762 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 6,920 companies, not a prediction for Ango. 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.
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.
| Company | ||||
|---|---|---|---|---|
| Ango Beveren-Kruibeke-Zwijndrecht | €311,762 | €10,325 | 81.0% | - |
| CVA Fleurus | €282,431 | €12,485 | 37.2% | - |
| Schrijnwerkerij Ryckebosch Stabroek | €303,703 | €14,170 | 35.7% | - |
| SUNLAND VERANDA’S Bornem | €296,375 | €12,895 | 22.2% | - |
| HoutKultuur Antwerp | €204,346 | €11,342 | 22.0% | - |
| Totaalinterieur De Vleeschauwer Oudenaarde | €280,891 | €14,249 | 9.2% | - |
| BATIBAB RENOV SPRL Wemmel | €252,616 | €12,982 | -19.4% | - |
These companies have the same main activity as Ango: joinery installation (NACE 43320). They are comparable in size and age: total assets between €204,000 and €304,000, founded between 2010 and 2015.
Ango files the micro format. That format states no turnover. The gross margin fell from €223,889 in 2014 to €10,325 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €110,000. Estimated: probably between €64,000 and €200,000.
Higher than 86% of 37,211 companies in 2025.
Higher than 7% of 36,505 companies in 2025.
Higher than 15% of 36,740 companies in 2025.
Net result: bottom quarter · Equity: top quarter · Balance sheet total: top quarter · Working capital: bottom quarter
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||||||
20/58 |
311,762 | 339,360 | 367,085 | 404,005 | 434,738 | 506,848 | 565,479 | 659,812 | 704,618 | 779,481 | 732,996 | 633,288 | |
21/28 |
311,332 | 338,428 | 363,809 | 390,537 | 419,529 | 452,535 | 486,683 | 530,806 | 535,931 | 519,080 | 716,636 | 580,000 | |
21 |
129,148 | 141,161 | 153,175 | 165,189 | 177,203 | 189,216 | 201,230 | 240,275 | 240,275 | 240,275 | - | - | |
22/27 |
182,185 | 196,368 | 210,634 | 225,348 | 242,327 | 263,319 | 285,453 | 290,532 | 295,656 | 278,805 | 136,636 | - | |
22 |
182,185 | 196,368 | 210,552 | 224,736 | 238,920 | 253,104 | 267,288 | 281,472 | 295,656 | 278,805 | 136,636 | - | |
24 |
- | - | 81 | 612 | 3,406 | 10,214 | 18,164 | 9,059 | - | - | - | - | |
28 |
- | 898 | - | - | - | - | - | - | - | - | 580,000 | 580,000 | |
29/58 |
430 | 932 | 3,276 | 13,469 | 15,208 | 54,313 | 78,796 | 129,006 | 168,687 | 260,401 | 16,360 | 53,288 | |
40/41 |
99 | - | 1,025 | 1,138 | 1,911 | 1,817 | 2,193 | 18,677 | 15,837 | 27,169 | 12,442 | 4 | |
40 |
- | - | - | - | 774 | - | - | 17,300 | 12,337 | 25,016 | 10,017 | - | |
41 |
99 | - | 1,025 | 1,138 | 1,137 | 1,817 | 2,193 | 1,377 | 3,500 | 2,154 | 2,425 | 4 | |
54/58 |
331 | 748 | 1,587 | 11,527 | 12,218 | 51,642 | 75,036 | 108,940 | 152,549 | 232,932 | 3,617 | 53,285 | |
490/1 |
- | 184 | 664 | 803 | 1,080 | 854 | 1,568 | 1,388 | 300 | 300 | 300 | - | |
| Balance sheet: equity and liabilities | |||||||||||||
10/49 |
311,762 | 339,360 | 367,085 | 404,005 | 434,738 | 506,848 | 565,479 | 659,812 | 704,618 | 779,481 | 732,996 | 633,288 | |
10/15 |
252,589 | 270,918 | 280,561 | 281,178 | 303,040 | 336,277 | 340,128 | 323,512 | 312,892 | 349,868 | 197,199 | 187,996 | |
10/11 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | |
13 |
246,389 | 264,718 | 274,361 | 274,978 | 296,840 | 330,077 | 333,928 | 317,312 | 306,692 | 343,668 | 190,999 | 181,796 | |
130/1 |
- | - | 1,860 | 1,860 | 1,860 | 1,860 | - | - | - | - | - | - | |
130 |
- | - | - | - | - | - | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | |
1311 |
- | - | 1,860 | 1,860 | 1,860 | 1,860 | - | - | - | - | - | - | |
132 |
- | - | - | - | - | - | - | 133,868 | 133,868 | 133,868 | - | - | |
133 |
246,389 | 264,718 | 272,501 | 273,118 | 294,980 | 328,217 | 332,068 | 181,584 | 170,964 | 207,940 | 189,139 | 179,936 | |
16 |
- | - | - | - | - | - | - | 68,932 | 68,932 | 68,932 | - | - | |
168 |
- | - | - | - | - | - | - | 68,932 | 68,932 | 68,932 | - | - | |
17/49 |
59,174 | 68,442 | 86,524 | 122,828 | 131,698 | 170,571 | 225,351 | 267,368 | 322,794 | 360,681 | 535,797 | 445,292 | |
17 |
58,266 | 67,747 | - | - | - | - | - | - | 27,463 | 62,928 | 97,121 | 130,087 | |
170/4 |
- | - | - | - | - | - | - | - | 27,463 | 62,928 | 97,121 | 130,087 | |
178/9 |
58,266 | 67,747 | - | - | - | - | - | - | - | - | - | - | |
42/48 |
908 | 695 | 86,524 | 122,828 | 131,698 | 170,571 | 225,351 | 267,368 | 295,331 | 297,752 | 437,392 | 315,205 | |
42 |
- | - | - | - | - | 18,150 | 45,833 | 27,463 | 35,466 | 34,193 | 32,966 | 31,783 | |
43 |
- | - | - | - | - | - | - | - | - | - | 160,000 | - | |
430/8 |
- | - | - | - | - | - | - | - | - | - | 160,000 | - | |
44 |
593 | - | - | - | 805 | 16 | 432 | 24,133 | 6,606 | 19,431 | 686 | 15,127 | |
440/4 |
593 | - | - | - | 805 | 16 | 432 | 24,133 | 6,606 | 19,431 | 686 | 15,127 | |
45 |
315 | 695 | 1,234 | 1,401 | 1,276 | 633 | 427 | 1,024 | 849 | 262 | 213 | 34,782 | |
450/3 |
315 | 695 | 1,234 | 1,401 | 1,276 | 633 | 427 | 1,024 | 849 | 262 | 213 | 33,128 | |
454/9 |
- | - | - | - | - | - | - | - | - | - | - | 1,654 | |
47/48 |
- | - | 85,290 | 121,427 | 129,617 | 151,772 | 178,659 | 214,749 | 252,411 | 243,866 | 243,527 | 233,513 | |
492/3 |
- | - | - | - | - | - | - | - | - | - | 1,284 | - | |
| Income statement | |||||||||||||
76A |
- | 2,262 | - | - | - | - | - | - | - | - | - | - | |
9900 |
10,325 | 19,761 | 29,625 | 8,821 | 3,842 | 25,212 | 65,604 | 32,265 | -16,574 | 45,643 | 35,897 | 223,889 | |
630 |
26,198 | 26,279 | 26,728 | 28,993 | 34,596 | 34,147 | 61,178 | 16,449 | 14,184 | 12,589 | 6,864 | - | |
640/8 |
1,898 | 1,858 | 1,171 | 758 | 712 | 879 | 1,564 | 1,930 | 1,745 | 2,037 | 11,538 | 854 | |
9901 |
-17,770 | -8,376 | 1,727 | -20,930 | -31,466 | -9,815 | 2,861 | 13,886 | -32,503 | 31,016 | 17,496 | 223,035 | |
75/76B |
- | 8 | 0 | - | 0 | 0 | 0 | 1 | 15 | 31 | 461 | 33 | |
75 |
- | 8 | 0 | - | 0 | 0 | 0 | 1 | 15 | 31 | 461 | 33 | |
65/66B |
244 | 819 | 1,588 | 229 | 1,129 | 707 | 1,372 | 2,282 | 3,900 | 12,054 | 8,442 | 8,746 | |
65 |
244 | 819 | 1,539 | 229 | 1,129 | 707 | 1,372 | 2,282 | 3,900 | 12,054 | 8,442 | 8,746 | |
66B |
- | - | 49 | - | - | - | - | - | - | - | - | - | |
9903 |
-18,014 | -9,187 | 139 | -21,159 | -32,594 | -10,521 | 1,489 | 11,605 | -36,389 | 18,993 | 9,514 | 214,322 | |
67/77 |
315 | 455 | 755 | 703 | 642 | -6,670 | 53,805 | 985 | 588 | 193 | 311 | 32,525 | |
9904 |
-18,330 | -9,643 | -617 | -21,862 | -33,237 | -3,851 | 16,616 | 10,620 | -36,976 | 18,801 | 9,203 | 181,796 | |
789 |
- | - | - | - | - | - | 133,868 | - | - | - | - | - | |
9905 |
-18,330 | -9,643 | -617 | -21,862 | -33,237 | -3,851 | 150,484 | 10,620 | -36,976 | 18,801 | 9,203 | 181,796 | |
| Appropriation of the result | |||||||||||||
9906 |
-18,330 | -9,643 | -617 | -21,862 | -33,237 | -3,851 | 150,484 | 10,620 | -36,976 | 18,801 | 9,203 | 181,796 | |
791/2 |
18,330 | 9,643 | 617 | 21,862 | 33,237 | 3,851 | - | - | 36,976 | - | - | - | |
691/2 |
- | - | - | - | - | - | 150,484 | 10,620 | - | 18,801 | 9,203 | 181,796 | |
6920 |
- | - | - | - | - | - | - | - | - | - | - | 1,860 | |
6921 |
- | - | - | - | - | - | 150,484 | 10,620 | - | 18,801 | 9,203 | 179,936 | |
| Document | |||||||||||||
The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 13-08-2026.
2025 annual accounts filed 13 days after the deadline. Filed on 13 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00396702.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 13-08-2026 | 2026-00396702 | |
| 31-12-2024 | micro format | 14-07-2025 | 2025-00265258 | |
| 31-12-2023 | micro format | 01-07-2024 | 2024-00189409 | |
| 31-12-2022 | micro format | 03-07-2023 | 2023-00190434 | |
| 31-12-2021 | micro format | 27-06-2022 | 2022-20102287 | |
| 31-12-2020 | micro format | 29-06-2021 | 2021-26600266 | |
| 31-12-2019 | micro format | 06-08-2020 | 2020-40400435 | |
| 31-12-2018 | micro format | 02-07-2019 | 2019-26900344 | |
| 31-12-2017 | micro format | 03-07-2018 | 2018-28100296 | |
| 31-12-2016 | micro format | 22-08-2017 | 2017-46100228 | |
| 31-12-2015 | abbreviated format | 23-08-2016 | 2016-45700399 | |
| 31-12-2014 | abbreviated format | 02-07-2015 | 2015-26700599 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 8,427 | 17,903 | 28,455 | 8,063 | 3,131 | 24,333 | 64,040 | 30,335 | -18,319 | 43,606 | 24,359 | - | ||
| 7,868 | 16,636 | 26,111 | 7,130 | 1,359 | 30,296 | 77,794 | 27,069 | -22,792 | 31,390 | 16,066 | - | ||
| -898 | 898 | 0 | 0 | 1,591 | 0 | 17,055 | 11,324 | 31,035 | 395,033 | 143,500 | 580,000 | ||
| -417 | -839 | -9,940 | -691 | -39,424 | -23,394 | -33,904 | -43,609 | -80,382 | 229,314 | -49,667 | - | ||
| -478 | 237 | -83,248 | -109,359 | -116,489 | -116,258 | -146,555 | -138,362 | -126,645 | -37,351 | -421,032 | -261,916 | ||
| 81.0% | 79.8% | 76.4% | 69.6% | 69.7% | 66.3% | 60.1% | 49.0% | 44.4% | 44.9% | 26.9% | 29.7% | ||
| 0.47 | 1.34 | 0.04 | 0.11 | 0.12 | 0.32 | 0.35 | 0.48 | 0.57 | 0.87 | 0.04 | 0.17 | ||
| 0.23 | 0.25 | 0.31 | 0.44 | 0.43 | 0.51 | 0.66 | 0.83 | 1.03 | 1.03 | 2.72 | 2.37 | ||
| -7.3% | -3.6% | -0.2% | -7.8% | -11.0% | -1.1% | 4.9% | 3.3% | -11.8% | 5.4% | 4.7% | 96.7% | ||
| -5.9% | -2.8% | -0.2% | -5.4% | -7.6% | -0.8% | 2.9% | 1.6% | -5.2% | 2.4% | 1.3% | 28.7% | ||
| 34.53 | 21.85 | 18.49 | 35.14 | 2.77 | - | - | - | - | - | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | - | - | - | €1,591 |
| €26,198 | €26,279 | €26,728 | €28,993 | €34,596 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is a loss of €17,770, larger than the loss of €8,376 in 2024. It is the lowest result since 2022.
Debt's share of the balance-sheet total falls from 20.2% to 19.0%. Equity and debt are lower.
| A.M.I.
registered office since 17-04-1992 · founded in 1992 · negative equity (2025) |
total assets €54 (2025) 0446.918.392 |
| Fleury, Jill (sole trader)
establishment since 01-11-2008 |
founded in 2003 0821.000.377 |
The network starts from the directors of Ango. Every other company they run is a node.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Statiestraat 121 registered office 2070 Beveren-Kruibeke-Zwijndrecht 16230 Manufacture of other builders' carpentry and joinery | 02-07-2013 | 2.220.173.216 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11056B0771/00F005 | 291 m² | 1 · 118 m² | 9.7 m · 3 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0536.336.853
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