ANOA
ActiveSummary
ANOA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€33,354) and a net result of -€8,978. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 5587 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 5587 sector peers (2025).
NBB · sector comparisonPosition among 5587 sector peers
Solvency
better than 5%
← weakest
strongest →
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
7 d late
2023
5 d early
2022
10 d late
2021
27 d early
2020
31 d late
2019
4 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 27 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
-€33,354▼ 36.8%
2024 · -€24,376
Net result
-€8,978▼ 355%
2024 · -€1,973
Total assets
€24▼ 98.4%
2024 · €1,439
Solvency
-141270.0%▼ 139575.9pp
2024 · -1694.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€5,487▲ 120%€5,484▼ 0.1%€3,399▼ 38.0%-€1,343-€8,234▼ 513%
Net result€4,393within the sector's middle half▲ 174%€4,870within the sector's middle half▲ 10.9%€2,778below the sector's middle half▼ 43.0%-€1,973below the sector's middle half-€8,978below the sector's middle half▼ 355%
Equity-€30,051below the sector's middle half▲ 12.8%-€25,181below the sector's middle half▲ 16.2%-€22,403below the sector's middle half▲ 11.0%-€24,376below the sector's middle half▼ 8.8%-€33,354below the sector's middle half▼ 36.8%
Total assets€17below the sector's middle half▲ 944%€8below the sector's middle half▼ 49.8%€96below the sector's middle half▲ 1,043%€1,439below the sector's middle half▲ 1,392%€24below the sector's middle half▼ 98.4%
Debt€30,068▼ 12.7%€25,189▼ 16.2%€22,499▼ 10.7%€25,815▲ 14.7%€33,377▲ 29.3%
Working capital-€8,051within the sector's middle half▲ 35.3%-€3,181within the sector's middle half▲ 60.5%-€403within the sector's middle half▲ 87.3%-€2,376within the sector's middle half▼ 490%-€11,288within the sector's middle half▼ 375%
Solvency-178768.4%below the sector's middle half▲ 1960617.3pp-298351.2%below the sector's middle half▼ 119582.8pp-23225.2%below the sector's middle half▲ 275126.0pp-1694.0%below the sector's middle half▲ 21531.1pp-141270.0%below the sector's middle half▼ 139575.9pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8,234 in 2025 against €1,343 in 2024; the loss grows and 2025 has the lowest result in the available series.
Key figures and ratios
Debt ≤ 1 year
€11,312▲
2024 · €3,815
Debt > 1 year
€22,000=
2024 · €22,000
Ratios withheld: a balance sheet total of €24 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €111 | €112 | €175 | €126 | €1,672 | ▲ 1,227% |
| Gross operating margin9900 | €5,598 | €5,596 | €3,574 | -€1,217 | -€6,562 | ▼ 439% |
| Operating profit (loss)9901 | €5,487 | €5,484 | €3,399 | -€1,343 | -€8,234 | ▼ 513% |
| Financial charges65/66B | €1,093 | €613 | €621 | €630 | €744 | ▲ 18.1% |
| Recurring financial charges65 | €1,093 | €613 | €621 | €630 | €744 | ▲ 18.1% |
| Profit (loss) for the period before taxes9903 | €4,393 | €4,870 | €2,778 | -€1,973 | -€8,978 | ▼ 355% |
| Profit (loss) for the period9904 | €4,393 | €4,870 | €2,778 | -€1,973 | -€8,978 | ▼ 355% |
| Profit (loss) for the period to be appropriated9905 | €4,393 | €4,870 | €2,778 | -€1,973 | -€8,978 | ▼ 355% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €17 | €8 | €96 | €1,439 | €24 | ▼ 98.4% |
| Current assets29/58 | €17 | €8 | €96 | €1,439 | €24 | ▼ 98.4% |
| Amounts receivable within one year40/41 | - | - | €83 | €1,436 | €0 | ▼ 100% |
| Other amounts receivable41 | - | - | €83 | €1,436 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €17 | €8 | €14 | €3 | €24 | ▲ 826% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €17 | €8 | €96 | €1,439 | €24 | ▼ 98.4% |
| Equity10/15 | -€30,051 | -€25,181 | -€22,403 | -€24,376 | -€33,354 | ▼ 36.8% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Profit (loss) carried forward14 | -€42,451 | -€37,581 | -€34,803 | -€36,776 | -€45,754 | ▼ 24.4% |
| Amounts payable17/49 | €30,068 | €25,189 | €22,499 | €25,815 | €33,377 | ▲ 29.3% |
| Amounts payable after more than one year17 | €22,000 | €22,000 | €22,000 | €22,000 | €22,000 | = |
| Other amounts payable178/9 | €22,000 | €22,000 | €22,000 | €22,000 | €22,000 | = |
| Amounts payable within one year42/48 | €8,068 | €3,189 | €499 | €3,815 | €11,312 | ▲ 197% |
| Trade debts44 | - | €112 | €499 | €688 | €1,641 | ▲ 139% |
| Suppliers440/4 | - | €112 | €499 | €688 | €1,641 | ▲ 139% |
| Other amounts payable47/48 | €8,068 | €3,077 | €0 | €3,127 | €9,671 | ▲ 209% |
| Accrued charges and deferred income492/3 | - | - | - | - | €65 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,393 | €4,870 | €2,778 | -€1,973 | -€8,978 | ▼ 355% |
| Operating cash flow (approximation) | €4,393 | €4,870 | €2,778 | -€1,973 | -€8,978 | ▼ 355% |
| Change in cash | - | -€8 | €5 | -€11 | €21 | ▲ 288% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet -€8,978
Net result drops to -€8,978, the lowest in the series.
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 7 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
31-12
Financial
Highest result since 2018net €4,870 ▲10.9%
Net result €4,870, the highest in the series.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2008
Ground area
238 m²
Building footprint
259 m²
Volume, LiDAR
2,711 m³
Parcel 31802B1176/00C000, Flanders · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ANOA
since 20082.171.450.413
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31802B1176/00C000 | Flanders | 237 m² | 1 · 259 m² | 15.6 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Structure & network
Owners and holdings
1 ownerChain of control
- FRECAT
- ANOA
Highest known parent: FRECAT. The sources do not say who stands above it.
Owners 1
- FRECATparentSourceaccounts FRECAT 202596%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Similar companies · same sector and region
A house is not a home
BE 0447.714.287
Brugge
AlfaVision Holding
BE 0692.977.205
Brugge
ALVAN
BE 0456.405.586
Brugge
Ambiance belge
BE 0439.747.817
Brugge
ARMATOP
BE 0536.527.883
Brugge
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-06-2008
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
47784Retail sale of souvenirs and religious articles
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0898566428
Also
9925:BE0898566428
Registered
07-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.