Equity
€98,817 ▲ 3.7%
AnnTo has made a profit without a break since 2020.
AnnTo
Lifetime
13 annual accounts with figures on one time axispeak €92,374 (2016)
€24,233▼ 42.0%
lowest -€9,576 (2019)
€3,516▼ 52.6%
peak €124,872 (2021)
€98,817▲ 3.7%
€57,227▼ 27.2%
Board2 names since 2013
2 directorsMagdelijns Ann and 1 other
Owners2 names in the annual accounts
Documentsfilings and deeds
22-06-202639 days before the deadline
2025micro format
Gross margin from €41,795 to €24,233Result from €7,414 to €3,516Debts from €78,652 to €57,227
Key points
from the 2025 annual accountsChecked score
89
Excellent
Financially stronger than 40% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025lowest value
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.2 percentage points vs 07-2026
09-2026: 0.5%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.2%▼ -0.3 percentage points vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 1.82, cash €1,164
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €156,044
Founded in 2012
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 70, micro). It does better than 58% of them on solvency, 16% on liquidity, 35% on profitability and 49% on growth.
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 very low class on 30-06-2025, 0.1% 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, 10,904 companies had the same profile as AnnTo has now. Each dot stands for 28 companies, two years later.
95.2%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of AnnTo itself: 0.2% 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 10,904 companies, not a prediction for AnnTo. 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
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.82 (1.77 in 2024), above the usual 1.5. Short-term debt is 34.2% and cash 0.7% of total assets. 36.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €98,817
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 22-06-2026, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 days early
2024
38 days early
2023
33 days early
2022
84 days early
2021
65 days early
2020
58 days early
2019
51 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 53 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
VB
Van Becelaere Tom
Director
- ANN MAGDELIJNS 50%annual accounts 2016
- TOM VAN BECELAERE 50%annual accounts 2016
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0508764406
Amendment of the articles · Legal-form change · Resignations & appointments
Board composition: VAN BECELAERE Tom (director (not named in the articles)) · Board composition: MAGDELIJNS Ann Francisca Jozefa (director (not named in the articles)) · Gazette deed
First establishment
Stationsstraat 2, Zonhoven
Incorporation
published on 10-01-2013 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AnnTo Zonhoven | €156,044 | €24,233 | 63.3% | - |
| VDB Business Consulting Diepenbeek | €170,168 | €22,164 | 54.5% | - |
| IMMO COSEMANS Hasselt | €155,455 | €21,188 | 45.6% | - |
| 3PMS Bever | €151,302 | €22,964 | -18.5% | - |
| LunA-nn Kuurne | €171,160 | €24,817 | 91.3% | - |
| Prospere en/of Bauwmans Marco Middelkerke | €169,530 | €23,000 | 24.7% | - |
| QUAL'ECHO Walhain | €157,479 | €23,719 | 68.9% | - |
These companies have the same main activity as AnnTo: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €151,000 and €171,000, founded between 2011 and 2013.
Official details
Source: KBO- Status
- Active since 28-12-2012Normal situation
- Activity
- Business and other management consultancyNACE 70200and 4 others
- Establishment unit
- 2.216.142.7663520 Zonhoven, since 01-01-2013
- Financial year end
- 31 December
- Peppol
- Reachable since 05-03-2025
Annual accounts 2025
- €156,044▼ 15.2%
- Filing
- Filed on 22-06-2026, 39 days before the end of the filing period
Insights on AnnTo
AnnTo files the micro format. That format states no turnover. The gross margin rose from €11,059 in 2013 to €24,233 in 2025.
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 AnnTo
- What is the company number of AnnTo?
- The company number of AnnTo is 0508.764.406. The VAT number is the same number with BE in front: BE 0508.764.406.
- Where is AnnTo based?
- The registered office is at Stationsstraat 2, 3520 Zonhoven.Company details
- What does AnnTo do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of AnnTo?
- AnnTo is a private limited company (BV).
- When was AnnTo founded?
- AnnTo was founded on 28-12-2012.
- Is AnnTo still active?
- Yes, AnnTo is an active enterprise in the KBO register.
- What is the turnover of AnnTo?
- The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €24,233 and 205 comparable companies (NACE 70200). It probably lies between €55,000 and €230,000. It is a rough estimate.Financials
- Is AnnTo profitable?
- In financial year 2025, AnnTo made a profit of €3,516.
- Where can I find the annual accounts of AnnTo?
- AnnTo filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of AnnTo due?
- AnnTo must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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