ANVERTIA
ActiveSummary
ANVERTIA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70,774 and a net result of €27,954. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 79% of 11472 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+50
Solvency100▲+10
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 4.31 against 2.85 in 2024; short-term debt: 23% and cash: 89.3% of total assets), and 23% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
77%
Return on assets
30.4%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
2 d early
2023
on the day
2022
32 d early
2021
38 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 20 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 (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
27-09-2026 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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Equity
€70,774▲ 65.3%
2024 · €42,820
Total assets
€91,936▲ 39.4%
2024 · €65,943
Net result
€27,954
2024 · -€10,146
Working capital
€69,992▲ 63.5%
2024 · €42,820
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, 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€36,478-€30,334▼ 16.8%€2,847▼ 90.6%€28,341▲ 895%€37,017▲ 30.6%
Net result€26,387within the sector's middle half-€21,901within the sector's middle half▼ 17.0%€2,930within the sector's middle half▼ 86.6%-€10,146below the sector's middle half€27,954within the sector's middle half
Equity€31,387within the sector's middle half-€53,336within the sector's middle half▲ 69.9%€52,965within the sector's middle half▼ 0.7%€42,820within the sector's middle half▼ 19.2%€70,774within the sector's middle half▲ 65.3%
Total assets€54,358below the sector's middle half-€85,712within the sector's middle half▲ 57.7%€80,092within the sector's middle half▼ 6.6%€65,943within the sector's middle half▼ 17.7%€91,936within the sector's middle half▲ 39.4%
Debt€22,971-€32,376▲ 40.9%€27,126▼ 16.2%€23,123▼ 14.8%€21,162▼ 8.5%
Working capital€30,735-€55,548▲ 80.7%€54,252▼ 2.3%€42,820▼ 21.1%€69,992▲ 63.5%
Solvency57.7%within the sector's middle half-62.2%within the sector's middle half▲ 4.5pp66.1%within the sector's middle half▲ 3.9pp64.9%within the sector's middle half▼ 1.2pp77.0%above the sector's middle half▲ 12.0pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 31% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91,936
Fixed assets
€782
Current assets
€91,154
Equity and liabilities €91,936
Equity
€70,774 ▲ 65.3%
Debt
€21,162 ▼ 8.5%
Debt's share of the balance-sheet total falls from 35.1% to 23.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37,089▲
2024 · €28,545
Cash flow
€28,026▲
2024 · -€9,942
Current ratio
4.31▲
2024 · 2.85
Quick ratio
4.30▲
2024 · 2.84
Debt to equity
0.30▼
2024 · 0.54
ROE
39.5%▲
2024 · -23.7%
ROA
30.4%▲
2024 · -15.4%
Interest coverage
115.39▲
2024 · 65.15
Debt ≤ 1 year
€21,162▼
2024 · €23,123
Income taxes
€9,115
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.3% over twelve months; the group does not contradict it.
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 26,964 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €3,208 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17 | €224 | €224 | €204 | €72 | ▼ 64.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €5,271 | €5,271 | -€10,543 | - | - |
| Other operating charges640/8 | €353 | €718 | €493 | €505 | €520 | ▲ 2.8% |
| Gross operating margin9900 | €36,848 | €36,547 | €8,836 | €18,508 | €37,608 | ▲ 103% |
| Operating profit (loss)9901 | €36,478 | €30,334 | €2,847 | €28,341 | €37,017 | ▲ 30.6% |
| Financial income75/76B | €104 | €83 | €836 | €320 | €373 | ▲ 16.8% |
| Recurring financial income75 | €104 | €83 | €836 | €320 | €373 | ▲ 16.8% |
| Financial charges65/66B | €167 | €558 | €349 | €38,806 | €321 | ▼ 99.2% |
| Recurring financial charges65 | €167 | €558 | €349 | €438 | €321 | ▼ 26.6% |
| Non-recurring financial charges66B | - | - | - | €38,368 | - | - |
| Profit (loss) for the period before taxes9903 | €36,415 | €29,858 | €3,334 | -€10,146 | €37,069 | ▲ 465% |
| Income taxes67/77 | €10,029 | €7,957 | €404 | - | €9,115 | - |
| Profit (loss) for the period9904 | €26,387 | €21,901 | €2,930 | -€10,146 | €27,954 | ▲ 376% |
| Profit (loss) for the period to be appropriated9905 | €26,387 | €21,901 | €2,930 | -€10,146 | €27,954 | ▲ 376% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €54,358 | €85,712 | €80,092 | €65,943 | €91,936 | ▲ 39.4% |
| Fixed assets21/28 | €652 | €428 | €204 | - | €782 | - |
| Tangible fixed assets22/27 | €652 | €428 | €204 | - | €782 | - |
| Furniture and vehicles24 | €652 | €428 | €204 | - | €782 | - |
| Current assets29/58 | €53,706 | €85,284 | €79,888 | €65,943 | €91,154 | ▲ 38.2% |
| Stocks and contracts in progress3 | - | - | €796 | €360 | €150 | ▼ 58.3% |
| Stocks30/36 | - | - | €796 | €360 | €150 | ▼ 58.3% |
| Amounts receivable within one year40/41 | €7,664 | €21,085 | €48,166 | €9,635 | €8,941 | ▼ 7.2% |
| Trade receivables40 | €7,664 | €21,085 | €48,166 | €2,228 | €8,941 | ▲ 301% |
| Other amounts receivable41 | - | - | - | €7,407 | - | - |
| Cash at bank and in hand54/58 | €45,991 | €64,092 | €30,248 | €55,928 | €82,062 | ▲ 46.7% |
| Deferred charges and accrued income490/1 | €51 | €106 | €679 | €20 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €54,358 | €85,712 | €80,092 | €65,943 | €91,936 | ▲ 39.4% |
| Equity10/15 | €31,387 | €53,336 | €52,965 | €42,820 | €70,774 | ▲ 65.3% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €26,100 | €47,950 | €47,950 | €47,950 | €64,650 | ▲ 34.8% |
| Distributable reserves133 | €26,100 | €47,950 | €47,950 | €47,950 | €64,650 | ▲ 34.8% |
| Profit (loss) carried forward14 | €287 | €386 | €15 | -€10,130 | €1,124 | ▲ 111% |
| Amounts payable17/49 | €22,971 | €32,376 | €27,126 | €23,123 | €21,162 | ▼ 8.5% |
| Amounts payable within one year42/48 | €22,971 | €29,735 | €25,636 | €23,123 | €21,162 | ▼ 8.5% |
| Trade debts44 | €72 | €12,978 | €6,954 | €16,284 | €7,340 | ▼ 54.9% |
| Suppliers440/4 | €72 | €12,978 | €6,954 | €16,284 | €7,340 | ▼ 54.9% |
| Advances received on contracts in progress46 | - | - | - | - | €982 | - |
| Taxes, remuneration and social security45 | €15,951 | €8,726 | €10,339 | €1,031 | €9,939 | ▲ 864% |
| Taxes450/3 | €15,951 | €8,726 | €10,339 | €1,031 | €9,939 | ▲ 864% |
| Other amounts payable47/48 | €6,948 | €8,031 | €8,343 | €5,808 | €2,901 | ▼ 50.1% |
| Accrued charges and deferred income492/3 | - | €2,641 | €1,491 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,387 | €21,901 | €2,930 | -€10,146 | €27,954 | ▲ 376% |
| + Depreciation and write-downs630 | €17 | €224 | €224 | €204 | €72 | ▼ 64.8% |
| Operating cash flow (approximation) | €26,404 | €22,125 | €3,154 | -€9,942 | €28,026 | ▲ 382% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €18,101 | -€33,845 | €25,681 | €26,134 | ▲ 1.8% |
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €27,954
Net result €27,954 after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€10,146
Net result drops to -€10,146, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Antwerpen · 1 establishment unit since 2021
Ground area
201 m²
Building footprint
108 m²
Volume, LiDAR
1,153 m³
Parcel 11302A0015/00C003, Flanders · tallest building 17.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
ANVERTIA
since 20212.321.246.622
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11302A0015/00C003 | Flanders | 201 m² | 1 · 108 m² | 17.3 m · 5 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.
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Of 6,146 companies in sector 46190 we hold annual accounts for 2,570. 1,964 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
Founded19-08-2021
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
32300Other manufacturing
46471Wholesale trade
70200Business and other management consultancy
73300Public relations and communication consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0772693882
Also
9925:BE0772693882
Registered
30-10-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.