Apello
ActiveSummary
The computed 12-month bankruptcy probability of Apello is 3.6% (moderate). The 2025 annual accounts show equity of €8k and a net result of €-8k. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-7
Solvency48▼-21
Growth32
Track record82
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.56 against 0.79 in 2024; short-term debt: 73.8% and cash: 31.3% of total assets), and 76.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 2025Solvency, return and age of the figures
Solvency
23.3%
Return on assets
-22.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year €-8k
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 15-07-2026, 16 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
16 d early
2024
22 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, abbreviated schema
Equity
€8k▼ 49.3%
2024 · €16k
Total assets
€34k▼ 4.4%
2024 · €36k
Net result
€-8k▼ 80.6%
2024 · €-4k
Working capital
€-11k▼ 157%
2024 · €-4k
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
Line20242025
Operating result€-4k-€-6k▼ 60.3%
Net result€-4k-€-8k▼ 80.6%
Equity€16k-€8k▼ 49.3%
Total assets€36k-€34k▼ 4.4%
Debt€20k-€26k▲ 30.7%
Working capital€-4k-€-11k▼ 157%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €4k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€20k =
Current assets
€14k ▼ 10.1%
Equity and liabilities €34k
Equity
€8k ▼ 49.3%
Debt
€26k ▲ 30.7%
Debt's share of the balance-sheet total rises from 56.1% to 76.7%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
0.56▼
2024 · 0.79
Debt to equity
3.29▲
2024 · 1.28
ROE
-97.4%▼
2024 · -27.3%
ROA
-22.7%▼
2024 · -12.0%
Debt ≤ 1 year
€25k▲
2024 · €20k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | €1k | €88 | ▼ 91.4% |
| Gross operating margin9900 | €-3k | €-6k | ▼ 114% |
| Operating profit (loss)9901 | €-4k | €-6k | ▼ 60.3% |
| Financial charges65/66B | €363 | €1k | ▲ 300% |
| Recurring financial charges65 | €363 | €1k | ▲ 300% |
| Profit (loss) for the period before taxes9903 | €-4k | €-8k | ▼ 80.6% |
| Profit (loss) for the period9904 | €-4k | €-8k | ▼ 80.6% |
| Profit (loss) for the period to be appropriated9905 | €-4k | €-8k | ▼ 80.6% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €36k | €34k | ▼ 4.4% |
| Fixed assets21/28 | €20k | €20k | = |
| Financial fixed assets28 | €20k | €20k | = |
| Current assets29/58 | €16k | €14k | ▼ 10.1% |
| Amounts receivable within one year40/41 | - | €3k | - |
| Other amounts receivable41 | - | €3k | - |
| Cash at bank and in hand54/58 | €16k | €11k | ▼ 32.0% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €36k | €34k | ▼ 4.4% |
| Equity10/15 | €16k | €8k | ▼ 49.3% |
| Contributions10/11 | €20k | €20k | = |
| Profit (loss) carried forward14 | €-4k | €-12k | ▼ 181% |
| Amounts payable17/49 | €20k | €26k | ▲ 30.7% |
| Amounts payable within one year42/48 | €20k | €25k | ▲ 25.7% |
| Trade debts44 | €45 | €5k | ▲ 11,484% |
| Suppliers440/4 | €45 | €5k | ▲ 11,484% |
| Other amounts payable47/48 | €20k | €20k | = |
| Accrued charges and deferred income492/3 | - | €1,000 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €-4k | €-8k | ▼ 80.6% |
| Operating cash flow (approximation) | €-4k | €-8k | ▼ 80.6% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €-5k | - |
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
NBB filing
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, Leuven · 1 establishment unit since 2023
Ground area
495 m²
Building footprint
442 m²
Volume, LiDAR
4,518 m³
Parcel 24502B0920/00C000, Flanders · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
23
companies at this address
See who is registered here
1 establishment unit
Apello
since 20232.355.760.311
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502B0920/00C000 | Flanders | 495 m² | 1 · 442 m² | 13.5 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.
Identification & contact
Identification
Legal formPrivate limited company
Founded22-12-2023
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.