ANSERS
ActiveSummary
ANSERS has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €412k and a net result of €-66k. Equity is growing by ~18.4% per year across the filed fiscal years. Its solvency ranks better than 54% of 524 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability5▼-91
Solvency91▼-9
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 2.31 against 5.24 in 2024; short-term debt: 34.2% and cash: 8.8% of total assets), and 34.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 72
Relative position
BE, all sectors
reference
Scientific research and development (NACE 72)
about 30% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
34 d early
2023
26 d early
2022
61 d early
2021
24 d early
2020
17 d early
2019
46 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-66k
2024 · €156k
Working capital
€279k▼ 40.7%
2024 · €470k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€48k▼ 72.8%€30k▼ 38.4%€191k▲ 544%€224k▲ 17.3%€-70k
Net result€35k▼ 72.3%€19k▼ 46.6%€134k▲ 615%€156k▲ 16.3%€-66k
Equity€370k▲ 10.5%€389k▲ 5.1%€523k▲ 34.4%€603k▲ 15.4%€412k▼ 31.7%
Total assets€548k▲ 19.2%€532k▼ 2.9%€652k▲ 22.5%€721k▲ 10.6%€625k▼ 13.3%
Debt€178k▲ 42.7%€143k▼ 19.4%€129k▼ 9.7%€118k▼ 8.9%€214k▲ 81.5%
Working capital€242k▲ 23.4%€325k▲ 34.2%€404k▲ 24.2%€470k▲ 16.4%€279k▼ 40.7%
Staff (FTE)1.6▲ 300%2▲ 25.0%2=2=2.3▲ 15.0%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €70k after €224k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €625k
Fixed assets
€133k ▼ 5.0%
Current assets
€492k ▼ 15.2%
Equity and liabilities €625k
Equity
€412k ▼ 31.7%
Debt
€214k ▲ 81.5%
Debt's share of the balance-sheet total rises from 16.3% to 34.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-29k▼
2024 · €262k
Cash flow
€-25k▼
2024 · €194k
Current ratio
2.31▼
2024 · 5.24
Debt to equity
0.52▲
2024 · 0.20
ROE
-16.1%▼
2024 · 25.8%
ROA
-10.6%▼
2024 · 21.6%
Interest coverage
-62.53▼
2024 · 199.08
Debt ≤ 1 year
€214k▲
2024 · €111k
Income taxes
€-570▼
2024 · €69k
Staff costs
€131k▲
2024 · €76k
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €4k | - | - | - | €1k | - |
| Remuneration, social security and pensions62 | €62k | €95k | €38k | €76k | €131k | ▲ 73.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €47k | €40k | €42k | €38k | €41k | ▲ 8.2% |
| Other operating charges640/8 | €787 | €1k | €2k | €1k | €1k | ▼ 13.6% |
| Gross operating margin9900 | €158k | €166k | €273k | €339k | €103k | ▼ 69.4% |
| Operating profit (loss)9901 | €48k | €30k | €191k | €224k | €-70k | ▼ 131% |
| Financial income75/76B | €103 | €125 | €2k | €3k | €3k | ▲ 26.3% |
| Recurring financial income75 | €103 | €125 | €2k | €3k | €3k | ▲ 26.3% |
| Financial charges65/66B | €1k | €2k | €2k | €1k | €463 | ▼ 64.8% |
| Recurring financial charges65 | €1k | €2k | €2k | €1k | €463 | ▼ 64.8% |
| Profit (loss) for the period before taxes9903 | €47k | €28k | €191k | €225k | €-67k | ▼ 130% |
| Income taxes67/77 | €12k | €9k | €57k | €69k | €-570 | ▼ 101% |
| Profit (loss) for the period9904 | €35k | €19k | €134k | €156k | €-66k | ▼ 143% |
| Profit (loss) for the period to be appropriated9905 | €35k | €19k | €134k | €156k | €-66k | ▼ 143% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €548k | €532k | €652k | €721k | €625k | ▼ 13.3% |
| Fixed assets21/28 | €156k | €118k | €143k | €140k | €133k | ▼ 5.0% |
| Intangible fixed assets21 | - | - | - | - | €5k | - |
| Tangible fixed assets22/27 | €151k | €113k | €138k | €135k | €123k | ▼ 9.4% |
| Land and buildings22 | - | - | €4k | €3k | €2k | ▼ 30.8% |
| Furniture and vehicles24 | €151k | €113k | €134k | €132k | €120k | ▼ 8.8% |
| Financial fixed assets28 | €5k | €5k | €5k | €5k | €5k | ▲ 9.2% |
| Current assets29/58 | €392k | €414k | €509k | €581k | €492k | ▼ 15.2% |
| Amounts receivable within one year40/41 | €121k | €173k | €215k | €202k | €191k | ▼ 5.5% |
| Trade receivables40 | €87k | €138k | €140k | €202k | €61k | ▼ 69.8% |
| Other amounts receivable41 | €34k | €35k | €75k | - | €130k | - |
| Current investments50/53 | €230k | €230k | €236k | €351k | €232k | ▼ 34.0% |
| Cash at bank and in hand54/58 | €32k | €4k | €50k | €11k | €55k | ▲ 401% |
| Deferred charges and accrued income490/1 | €8k | €6k | €8k | €17k | €14k | ▼ 13.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €548k | €532k | €652k | €721k | €625k | ▼ 13.3% |
| Equity10/15 | €370k | €389k | €523k | €603k | €412k | ▼ 31.7% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Reserves13 | €357k | €375k | €508k | €587k | €397k | ▼ 32.4% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €355k | €373k | €506k | €585k | €395k | ▼ 32.5% |
| Profit (loss) carried forward14 | €797 | €2k | €2k | €4k | €2k | ▼ 36.5% |
| Amounts payable17/49 | €178k | €143k | €129k | €118k | €214k | ▲ 81.5% |
| Amounts payable after more than one year17 | €28k | €54k | €24k | €7k | - | - |
| Financial debts170/4 | €28k | €54k | €24k | €7k | - | - |
| Amounts payable within one year42/48 | €150k | €89k | €105k | €111k | €214k | ▲ 92.8% |
| Current portion of amounts payable after more than one year42 | €13k | €29k | €30k | €18k | €7k | ▼ 60.7% |
| Trade debts44 | €124k | €35k | €62k | €40k | €26k | ▼ 34.9% |
| Suppliers440/4 | €124k | €35k | €62k | €40k | €26k | ▼ 34.9% |
| Taxes, remuneration and social security45 | €10k | €22k | €13k | €51k | €56k | ▲ 9.3% |
| Taxes450/3 | €32 | €32 | €8k | €33k | €29k | ▼ 11.8% |
| Remuneration and social security454/9 | €10k | €22k | €5k | €18k | €27k | ▲ 47.2% |
| Other amounts payable47/48 | €2k | €2k | - | €2k | €125k | ▲ 5,544% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €35k | €19k | €134k | €156k | €-66k | ▼ 143% |
| + Depreciation and write-downs630 | €47k | €40k | €42k | €38k | €41k | ▲ 8.2% |
| Operating cash flow (approximation) | €82k | €59k | €176k | €194k | €-25k | ▼ 113% |
| Investment in fixed assets (approximation) | - | €-2k | €-68k | €-35k | €-34k | ▲ 2.2% |
| Change in cash | - | €-28k | €45k | €-39k | €44k | ▲ 213% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-66k
Net result drops to €-66k, the lowest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €156k ▲16.3%
Operating result €224k, net result €156k, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500kEq €523k ▲34.4%
6 profitable years in a row build equity to €523k.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €200kEq €220k ▲49.1%
2 profitable years in a row build equity to €220k.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Perwez · 1 establishment unit since 2008
Ground area
9.1 ha
Building footprint
884 m²
Volume, LiDAR
3,995 m³
2 parcels, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue Jean Monnet 1, 1348 Ottignies-Louvain-la-Neuve
since 20082.169.256.926
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25384A0101/00W000 | Wallonia | 8.8 ha | 1 · 654 m² | 8.9 m · 2 fl. |
| 25060B0079/00K000 | Wallonia | 2,878 m² | 1 · 230 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,178 companies in sector 72109 we hold annual accounts for 715. 493 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-03-2008
Fiscal year end31-12
Activities, NACEBEL 2025
72109Other research and development on natural sciences
71121Engineering and related technical consultancy, excluding land surveyors
71209Other technical testing and analysis
Contact
E-mail
marijke.slabbinck@ansers.euOttignies-Louvain-la-Neuve
Scores and ratios are computed by Checked and are not a credit decision.