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AoT

Active
Private limited companyfounded 201015 yrs activeKapellenstraat 85, 9280 Lebbeke, BelgiumKBO/BCE: BE 0831.120.150

AoT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €921k and a net result of €93k. Equity is growing by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 63% of 8072 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2024
68 / 100
Healthy= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability51▼-11
Solvency74▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity short (current ratio 0.83 against 0.69 in 2023), and 32.5% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.
lowers riskneutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 date
Age against the risk zone
elevated failure risk from 2 to 8 years 15 years 0 20 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
67.5%
Return on assets
6.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 30-11-2024 was due by 30-06-2025 and was filed on 22-07-2025, 22 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
22 d late
2023
2 d early
2022
25 d late
2021
11 d late
2020
29 d late
2019
30 d late
← before the deadline after the deadline →
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2024, abbreviated schema

Equity
€921k▲ 4.5%
2023 · €881k
2018: €317k 2019: €363k 2020: €484k 2021: €654k 2022: €817k 2023: €881k
2018 → 2024
Total assets
€1.36M▼ 1.6%
2023 · €1.39M
2018: €1.21M 2019: €1.21M 2020: €1.38M 2021: €1.41M 2022: €1.71M 2023: €1.39M
2018 → 2024
Net result
€93k▼ 14.4%
2023 · €109k
2018: €58k 2019: €58k 2020: €128k 2021: €177k 2022: €162k 2023: €109k
2018 → 2024
Working capital
€-57k▲ 51.0%
2023 · €-116k
2018: €-710k 2019: €-710k 2020: €-544k 2021: €-417k 2022: €-179k 2023: €-116k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20202021202220232024Trend
Equity€484k-€654k▲ 35.2%€817k▲ 24.8%€881k▲ 7.9%€921k▲ 4.5%
Operating result€192k-€261k▲ 35.8%€247k▼ 5.5%€153k▼ 37.9%€127k▼ 17.5%
Net result€128k-€177k▲ 38.4%€162k▼ 8.1%€109k▼ 32.8%€93k▼ 14.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
€0€100k€200k€300kOperating result 2020: €192k€192kNet result 2020: €128k€128kOperating result 2021: €261k€261kNet result 2021: €177k€177kOperating result 2022: €247k€247kNet result 2022: €162k€162kOperating result 2023: €153k€153kNet result 2023: €109k€109kOperating result 2024: €127k€127kNet result 2024: €93k€93k20202021202220232024
The operating result has fallen three years in a row; 2024 is 17% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.36M
Fixed assets €1.09M▼ 4.0%
Current assets €276k▲ 9.3%
Equity and liabilities €1.36M
Equity €921k▲ 4.5%
Debt €444k▼ 12.2%
The debt ratio falls from 36.4% to 32.5%: equity grows while debt is paid down.
Key figures and ratios
2024 value · change against 2023
EBITDA
€152k
2023 · €189k
Cash flow
€119k
2023 · €145k
Solvency
67.5%
2023 · 63.6%
Current ratio
0.83
2023 · 0.69
Quick ratio
0.83
2023 · 0.69
Debt / equity
0.48
2023 · 0.57
ROE
10.1%
2023 · 12.4%
ROA
6.8%
2023 · 7.9%
Interest coverage
10.64
2023 · 15.13
Debt
€444k
2023 · €505k
Debt ≤ 1 year
€332k
2023 · €368k
Debt > 1 year
€7k
2023 · €32k
Income taxes
€39k
2023 · €48k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet Code20232024
Assets
Total assets20/58€1.39M€1.36M
Fixed assets21/28€1.13M€1.09M
Tangible fixed assets22/27€134k€89k
Plant, machinery and equipment23€2k€2k
Furniture and vehicles24€130k€86k
Other tangible fixed assets26€1k€1k
Financial fixed assets28€1.00M€1.00M=
Current assets29/58€252k€276k
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€247k€268k
Trade receivables40€0€26k
Other amounts receivable41€247k€242k
Cash at bank and in hand54/58€4k€5k
Deferred charges and accrued income490/1€2k€2k
Equity and liabilities
Total equity and liabilities10/49€1.39M€1.36M
Equity10/15€881k€921k
Contributions10/11€17k€17k=
Reserves13€864k€904k
Tax-exempt reserves132€26k€26k=
Distributable reserves133€838k€878k
Profit (loss) carried forward14€0€0=
Amounts payable17/49€505k€444k
Amounts payable after more than one year17€32k€7k
Financial debts170/4€32k€7k
Amounts payable within one year42/48€368k€332k
Current portion of amounts payable after more than one year42€61k€49k
Financial debts43€511€56
Credit institutions430/8€511€56
Trade debts44€11k€7k
Suppliers440/4€11k€7k
Taxes, remuneration and social security45€22k€4k
Taxes450/3€22k€4k
Other amounts payable47/48€274k€273k
Accrued charges and deferred income492/3€105k€105k
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€26k
Other operating charges640/8€2k€1k
Gross operating margin9900€190k€153k
Operating profit (loss)9901€153k€127k
Financial income75/76B€16k€20k
Recurring financial income75€4k€10k
Non-recurring financial income76B€12k€10k
Financial charges65/66B€12k€14k
Recurring financial charges65€12k€14k
Profit (loss) for the period before taxes9903€157k€133k
Income taxes67/77€48k€39k
Profit (loss) for the period9904€109k€93k
Profit (loss) for the period to be appropriated9905€109k€93k
Appropriation of the result
Profit (loss) to be appropriated9906€109k€93k
Transfer from equity791/2€44k€53k
Transfer to equity691/2€109k€93k
To contributions691€0-
To other reserves6921€109k€93k
Profit to be distributed694/7€44k€53k
Return on contributions (dividend)694€44k€53k
Social balance
Average headcount (FTE)90870.00.0=

The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

2026
18-08
State Gazette act Capital & shares · Restructuring
Board meeting · Merger · Accounting effect6 facts ▸
  • Board meeting, 23/07/2026
  • Merger, vereenvoudigde procedure, 100%
  • Accounting effect, 01/07/2026
  • Power of attorney, BV Decavan
  • Interim balance sheet, 30/06/2026
  • Merger-proposal date, 15/04/2026
2025
22-07
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 22 days late
2024
28-06
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-07
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
11-07
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 11 days late
2021
30-11
Financial Highest result since 2018net €177k ▲38.4%
Operating result €261k, net result €177k, both a record.
30-11
Financial Equity above €500kEq €654k ▲35.2%
4 profitable years in a row build equity to €654k.
29-07
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 29 days late
2020
30-07
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema · 30 days late
2019
22-07
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema · 22 days late
2018
26-07
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema · 26 days late
2017
29-06
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
22-07
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema · 22 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lebbeke · 1 establishment unit since 2010
establishment The establishment unit on the map
Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Kapellenstraat 859280 Lebbeke
Ground area
1,452 m²
Building footprint
191 m²
Volume, LiDAR
1,072 m³
Parcel 42005B0778/00K000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AoT
Kapellenstraat 85, 9280 LebbekeFinancial service activities, except insurance and pension funding
since 20102.194.098.824
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
42005B0778/00K000 Flanders 1,451 m² 1 · 191 m² 9.1 m · 2 fl.
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Acquisitions and mergers

1 transaction
Took over:Innocenti BV
BE 0438.900.650vereenvoudigde procedure · proposal · State Gazette act of 18-08-2026 (2 acts)

Public money · subsidies and aid

Flemish government

2022 · 1 entry · 78 EUR awarded · 78 EUR paid
Year Entries awardedpaid
2022 1 78 EUR78 EUR
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
1 entry · 78 EUR · 78 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 28,643 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded16-11-2010
Fiscal year end30-11
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.