ANSOLIVE
ActiveSummary
ANSOLIVE has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€320,591) and a net result of -€1.2m. Equity is shrinking by ~19.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability5▲+5
Solvency21▼-14
Growth39=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.72 against 0.88 in 2023; short-term debt: 75.3% and cash: 1.8% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-3.7%
Return on assets
-13.7%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
7 d early
2022
17 d early
2021
107 d early
2020
110 d early
2019
137 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 64 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, unclassified schema
In the rankings
#7 employer in Ans, Wholesale and retail trade sector
Turnover
€13.2m▲ 6.8%
2023 · €12.4m
EBIT margin
-8.1%▲ 5.6pp
2023 · -13.7%
Net result
-€1.2m▲ 38.0%
2023 · -€1.9m
Working capital
-€1.8m▼ 230%
2023 · -€558,539
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
Line20202021202220232024
Turnover€10.5m€10.9m▲ 3.7%€11.7m▲ 8.1%€12.4m▲ 5.4%€13.2m▲ 6.8%
Operating result€654,883▲ 129%€418,783▼ 36.1%-€1.1m-€1.7m▼ 60.7%-€1.1m▲ 36.7%
Net result€520,156▲ 140%€329,564▼ 36.6%-€1.1m-€1.9m▼ 67.0%-€1.2m▲ 38.0%
EBIT margin6.3%3.9%▼ 2.4pp-9.0%▼ 12.9pp-13.7%▼ 4.7pp-8.1%▲ 5.6pp
Equity€2.1m▼ 3.9%€2.1m▲ 1.1%€934,773▼ 55.2%€866,324▼ 7.3%-€320,591
Total assets€7.8m▼ 1.0%€8.6m▲ 10.7%€8.5m▼ 1.2%€8.5m▼ 0.5%€8.6m▲ 1.9%
Debt€5.6m▼ 0.8%€6.5m▲ 14.9%€7.5m▲ 16.4%€7.6m▲ 0.5%€8.9m▲ 18.0%
Working capital€1.6m▼ 0.7%€1.3m▼ 15.7%€592,229▼ 55.0%-€558,539-€1.8m▼ 230%
Staff (FTE)51.2▲ 15.1%55.9▲ 9.2%51.9▼ 7.2%53▲ 2.1%52.6▼ 0.8%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1.1m in 2024 against €1.7m in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €8.6m
Fixed assets
€4.0m ▼ 11.9%
Current assets
€4.7m ▲ 17.7%
Key figures and ratios
EBITDA
-€227,502▲
2023 · -€970,093
Cash flow
-€333,467▲
2023 · -€1.2m
Solvency
-3.7%▼
2023 · 10.2%
Current ratio
0.72▼
2023 · 0.88
Quick ratio
0.39▼
2023 · 0.57
Debt to equity
-27.83▼
2023 · 8.73
ROA
-13.7%▲
2023 · -22.5%
Interest coverage
-2.68▲
2023 · -5.72
Debt ≤ 1 year
€6.5m▲
2023 · €4.5m
Debt > 1 year
€2.3m▼
2023 · €2.9m
Income taxes
€1,135▲
2023 · €927
Staff costs
€2.7m▼
2023 · €2.8m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 107 companies that looked in July 2024 the way this one looks now, 5.6% went bankrupt within 24 months and 79% are still going.
- Medium-sized
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
5.6%
went bankrupt
11%
stopped otherwise
79%
still going
A further 3.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 107 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €11.0m | €11.8m | €12.5m | €13.3m | ▲ 6.7% |
| Turnover70 | €10.5m | €10.9m | €11.7m | €12.4m | €13.2m | ▲ 6.8% |
| Other operating income74 | - | €99,732 | €71,256 | €108,172 | €102,276 | ▼ 5.5% |
| Operating charges60/66A | - | €10.5m | €12.9m | €14.2m | €14.4m | ▲ 1.5% |
| Goods for resale, raw materials and consumables60 | - | €5.8m | €7.6m | €7.6m | €8.1m | ▲ 7.0% |
| Purchases600/8 | - | €6.6m | €7.3m | €6.5m | €8.8m | ▲ 35.0% |
| Change in stocks: decrease (increase)609 | - | -€892,443 | €283,852 | €1.0m | -€744,490 | ▼ 173% |
| Services and other goods61 | - | €2.0m | €2.3m | €3.0m | €2.7m | ▼ 11.1% |
| Remuneration, social security and pensions62 | - | €2.1m | €2.2m | €2.8m | €2.7m | ▼ 2.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €525,930 | €537,109 | €570,372 | €724,895 | €845,298 | ▲ 16.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €1,173 | - | - |
| Other operating charges640/8 | - | €128,701 | €156,791 | €126,006 | €81,228 | ▼ 35.5% |
| Non-recurring operating charges66A | - | - | - | - | €200 | - |
| Operating profit (loss)9901 | €654,883 | €418,783 | -€1.1m | -€1.7m | -€1.1m | ▲ 36.7% |
| Financial income75/76B | - | €34,560 | €11,746 | €11,963 | €15,457 | ▲ 29.2% |
| Recurring financial income75 | €12,944 | €34,560 | €11,746 | €11,963 | €15,457 | ▲ 29.2% |
| Other financial income752/9 | - | €34,560 | €11,746 | €11,963 | €15,457 | ▲ 29.2% |
| Financial charges65/66B | - | €67,560 | €109,938 | €231,185 | €132,142 | ▼ 42.8% |
| Recurring financial charges65 | €60,375 | €67,560 | €109,938 | €190,775 | €132,142 | ▼ 30.7% |
| Debt charges650 | €37,897 | €43,644 | €85,524 | €169,554 | €84,733 | ▼ 50.0% |
| Other financial charges652/9 | - | €23,916 | €24,414 | €21,221 | €47,409 | ▲ 123% |
| Non-recurring financial charges66B | - | - | - | €40,410 | - | - |
| Profit (loss) for the period before taxes9903 | €607,452 | €385,782 | -€1.2m | -€1.9m | -€1.2m | ▲ 37.9% |
| Transfer from deferred taxes780 | - | €24,266 | €15,093 | €13,462 | €11,855 | ▼ 11.9% |
| Income taxes67/77 | €36,064 | €80,485 | €762 | €927 | €1,135 | ▲ 22.5% |
| Taxes670/3 | - | €80,485 | €900 | €1,125 | €1,135 | ▲ 0.8% |
| Tax adjustments and reversals of tax provisions77 | - | - | €139 | €199 | - | - |
| Profit (loss) for the period9904 | €520,156 | €329,564 | -€1.1m | -€1.9m | -€1.2m | ▲ 38.0% |
| Transfer from tax-exempt reserves789 | - | €120,025 | €41,937 | €38,053 | €34,228 | ▼ 10.1% |
| Profit (loss) for the period to be appropriated9905 | €357,177 | €449,588 | -€1.1m | -€1.9m | -€1.1m | ▲ 38.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €7.8m | €8.6m | €8.5m | €8.5m | €8.6m | ▲ 1.9% |
| Fixed assets21/28 | €3.6m | €3.6m | €3.3m | €4.5m | €4.0m | ▼ 11.9% |
| Intangible fixed assets21 | €33,340 | €28,097 | €37,269 | €56,438 | €39,710 | ▼ 29.6% |
| Tangible fixed assets22/27 | €3.5m | €3.5m | €3.3m | €4.5m | €3.9m | ▼ 11.7% |
| Land and buildings22 | - | €2.0m | €1.9m | €1.9m | €1.7m | ▼ 10.5% |
| Plant, machinery and equipment23 | - | €1.3m | €1.3m | €1.6m | €1.5m | ▼ 9.3% |
| Furniture and vehicles24 | - | €37,579 | €37,070 | €28,201 | €13,231 | ▼ 53.1% |
| Leasing and similar rights25 | - | €107,716 | €85,776 | €924,952 | €769,605 | ▼ 16.8% |
| Assets under construction and advance payments27 | - | €35,008 | - | €20,000 | €15,876 | ▼ 20.6% |
| Financial fixed assets28 | €76,648 | €80,957 | €960 | €960 | €960 | = |
| Other financial fixed assets284/8 | - | €80,957 | €960 | €960 | €960 | = |
| Amounts receivable and cash guarantees285/8 | - | €80,957 | €960 | €960 | €960 | = |
| Current assets29/58 | €4.2m | €5.0m | €5.2m | €4.0m | €4.7m | ▲ 17.7% |
| Stocks and contracts in progress3 | €1.7m | €2.6m | €2.3m | €1.4m | €2.1m | ▲ 53.1% |
| Stocks30/36 | - | €2.6m | €2.3m | €1.4m | €2.1m | ▲ 53.1% |
| Goods purchased for resale34 | - | €2.6m | €2.3m | €1.4m | €2.1m | ▲ 53.1% |
| Amounts receivable within one year40/41 | €1.4m | €1.9m | €2.0m | €2.1m | €2.4m | ▲ 15.9% |
| Trade receivables40 | - | €1.7m | €1.7m | €1.9m | €2.2m | ▲ 17.7% |
| Other amounts receivable41 | - | €193,466 | €285,353 | €155,136 | €145,756 | ▼ 6.0% |
| Cash at bank and in hand54/58 | €1.0m | €562,148 | €838,286 | €518,196 | €154,744 | ▼ 70.1% |
| Deferred charges and accrued income490/1 | - | €8,433 | €14,229 | €2,578 | €7,221 | ▲ 180% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €7.8m | €8.6m | €8.5m | €8.5m | €8.6m | ▲ 1.9% |
| Equity10/15 | €2.1m | €2.1m | €934,773 | €866,324 | -€320,591 | ▼ 137% |
| Contributions10/11 | - | €125,174 | €125,174 | €1.7m | €1.7m | = |
| Revaluation surpluses12 | - | €301,730 | €269,833 | €237,937 | €206,041 | ▼ 13.4% |
| Reserves13 | €911,492 | €823,363 | €813,323 | €809,666 | €807,334 | ▼ 0.3% |
| Non-distributable reserves130/1 | - | €59,842 | €76,865 | €108,761 | €140,657 | ▲ 29.3% |
| Reserves not available under the articles1311 | - | €59,842 | €76,865 | €108,761 | €140,657 | ▲ 29.3% |
| Tax-exempt reserves132 | - | €209,873 | €167,936 | €129,883 | €95,655 | ▼ 26.4% |
| Distributable reserves133 | - | €553,648 | €568,522 | €571,022 | €571,022 | = |
| Profit (loss) carried forward14 | €681,580 | €781,168 | -€315,727 | -€1.9m | -€3.0m | ▼ 61.4% |
| Investment grants15 | - | €53,657 | €42,169 | €31,874 | €23,724 | ▼ 25.6% |
| Provisions and deferred taxes16 | €97,718 | €73,452 | €58,359 | €44,897 | €33,042 | ▼ 26.4% |
| Deferred taxes168 | - | €73,452 | €58,359 | €44,897 | €33,042 | ▼ 26.4% |
| Amounts payable17/49 | €5.6m | €6.5m | €7.5m | €7.6m | €8.9m | ▲ 18.0% |
| Amounts payable after more than one year17 | €3.0m | €2.7m | €2.9m | €2.9m | €2.3m | ▼ 18.9% |
| Financial debts170/4 | - | €2.7m | €2.9m | €2.9m | €2.3m | ▼ 18.9% |
| Leasing and similar obligations172 | - | €49,300 | €41,400 | €428,764 | €355,978 | ▼ 17.0% |
| Credit institutions173 | - | €2.7m | €2.8m | €2.5m | €2.0m | ▼ 19.3% |
| Amounts payable within one year42/48 | €2.7m | €3.7m | €4.6m | €4.5m | €6.5m | ▲ 44.0% |
| Current portion of amounts payable after more than one year42 | - | €757,263 | €704,285 | €791,186 | €707,633 | ▼ 10.6% |
| Financial debts43 | - | €607,352 | €547,815 | €23 | €383,079 | ▲ 1,633,501% |
| Credit institutions430/8 | - | €607,352 | €547,815 | €23 | €383,079 | ▲ 1,633,501% |
| Trade debts44 | €1.1m | €2.1m | €2.0m | €3.1m | €4.5m | ▲ 46.7% |
| Suppliers440/4 | - | €2.1m | €2.0m | €3.1m | €4.5m | ▲ 46.7% |
| Taxes, remuneration and social security45 | - | €238,792 | €296,796 | €306,432 | €310,927 | ▲ 1.5% |
| Taxes450/3 | - | €7,795 | €62,310 | €10,587 | €34,585 | ▲ 227% |
| Remuneration and social security454/9 | - | €230,997 | €234,485 | €295,845 | €276,342 | ▼ 6.6% |
| Other amounts payable47/48 | - | €420 | €1.0m | €334,263 | €578,172 | ▲ 73.0% |
| Accrued charges and deferred income492/3 | - | €9,154 | €62,736 | €151,650 | €74,099 | ▼ 51.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €520,156 | €329,564 | -€1.1m | -€1.9m | -€1.2m | ▲ 38.0% |
| + Depreciation and write-downs630 | €525,930 | €537,109 | €570,372 | €724,895 | €845,298 | ▲ 16.6% |
| Operating cash flow (approximation) | €1.0m | €866,673 | -€568,459 | -€1.2m | -€333,467 | ▲ 71.7% |
| Investment in fixed assets (approximation) | - | -€543,996 | -€314,225 | -€1.9m | -€308,191 | ▲ 83.9% |
| Change in cash | - | -€463,864 | €276,138 | -€320,089 | -€363,453 | ▼ 13.5% |
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
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
31-12
Financial
Weakest financial yearnet -€1.9m
Net result drops to -€1.9m, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
15-04
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
12-04
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
31-12
Financial
Highest result since 2018net €520,156 ▲140%
Operating result €654,883, net result €520,156, both a record.
16-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
06-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
18-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 12 acts read
About the unread acts
We know of 12 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
12 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, Ans · 1 establishment unit since 2012
Ground area
2,109 m²
Building footprint
1,276 m²
Volume, LiDAR
9,514 m³
Parcel 62001B0433/00T000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
ANSOLIVE
since 20122.259.415.951
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62001B0433/00T000 | Wallonia | 2,109 m² | 1 · 1,276 m² | 8.4 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAns2.259.415.951
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Of 958 companies in sector 46319 we hold annual accounts for 611. 412 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
Founded23-07-1996
Fiscal year end31-12
Activities, NACEBEL 2025
46319Wholesale of fruit and vegetables, excluding potatoes
46389Wholesale of other food products
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0458498907
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.