Skip to content

APPLE'S GARDEN

Active
Private limited companyfounded 2019active for 7 yearsBergense Steenweg 990, 1070 Anderlecht, BelgiumKBO/BCE: BE 0729.574.810
Summary

APPLE'S GARDEN has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€13,172) and a net result of €29,744. Equity is growing by about 14% per year across the filed financial years. Its solvency ranks better than 7% of 692 sector peers (NACE 88, financial year 2024). The computed 12-month bankruptcy probability is 1.1% (low).

Overview

Activity
Day nurseries and crèches
NACE 88911
1 site
Size
€40,271total assets 2024
Staff
5.5 FTE
Equity
-€13,172
Profit
€29,744
Turnover not published (micro format)
Financial health
56 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
1.1%
Structure
Accounts 84 days overdue0 of 1 deed read
Why 56raises riskCapped at 59: negative equity1 financial year not filed after the legal deadline; latest accounts 87 days late; 3 of the last 3 lateFigures for financial year 2024 (filed 26-10-2025)lowers riskSector: Social work activities without accommodation (NACE 88)Liquidity: current ratio 0.72, cash €33,791Show the evidence

Checked score

Score 2024
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 53% of its sector peers (NACE 88, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Average
Solvency 0=
equity -32.7% of total assets
Liquidity 50=
short-term debt 116.2% · cash 83.9%
Profitability 100+100
return on assets 73.9%
Bankruptcy probability, 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (1,122 companies, NACE 88, micro)
Last 24 months 11-2024: 1.6% 12-2024: 1.0%▼ -0.6 percentage points vs 11-2024 01-2025: 1.0%● unchanged vs 12-2024 02-2025: 1.0%● unchanged vs 01-2025 03-2025: 1.0%● unchanged vs 02-2025 04-2025: 1.0%● unchanged vs 03-2025 05-2025: 1.0%● unchanged vs 04-2025 06-2025: 1.0%● unchanged vs 05-2025 07-2025: 1.0%● unchanged vs 06-2025 08-2025: 1.4%▲ +0.4 percentage points vs 07-2025 09-2025: 1.5%▲ +0.1 percentage points vs 08-2025 10-2025: 2.2%▲ +0.7 percentage points vs 09-2025highest value 11-2025: 0.6%▼ -1.6 percentage points vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.5%▼ -0.1 percentage points vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026lowest value 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.7%▲ +0.2 percentage points vs 07-2026 09-2026: 0.8%▲ +0.1 percentage points vs 08-2026 10-2026: 1.1%▲ +0.3 percentage points vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.72, compared with 0.25 in 2023, below 1; short-term debt: 116.2% and cash: 83.9% of total assets), and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 88, micro): better than 3% on solvency, 29% on liquidity, 94% on profitability and 86% on growth.

The bankruptcy probability was computed on 22-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Seven signals.
lowers riskraises riskneutral
lowers risk · Sector: Social work activities without accommodation (NACE 88)
KBO
raises risk · 1 financial year not filed after the legal deadline; latest accounts 87 days late; 3 of the last 3 late
NBB · filings
raises risk · Figures for financial year 2024 (filed 26-10-2025)
NBB · annual accounts
lowers risk · Liquidity: current ratio 0.72, cash €33,791
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 692 sector peers (2024).
NBB · sector comparison
Position among 692 sector peers
Solvency
better than 7%
← weakest strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 84 days later.
NBB · 5 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline23-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-10-2025, 87 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filings
Deviation from the deadline
2025
not filed
2024
87 days late
2023
102 days late
2022
99 days late
2021
136 days late
2020
108 days late
← 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 106 days after the deadline; the sector median (NACE 88) for financial year 2024 is 24 days before the deadline, and 25% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Back to profitnet €29,744
  3. Annual accounts filedfinancial year 2023 · micro…

Key points

  • Risk: Negative equityfinancial year 2024: debts exceed assets -€13,172 View
  • Caution: Among the weakest 7% on solvencysector median 38.6% · 692 companies -32.7% View
  • Positive: Back in profit in 2024after -€23,352 in 2023 €29,744 View
  • Caution: Accounts not fileddeadline was 31-07-2026 84 days late View

By topic

Financials

Financial year
2024
Total assets
€40,271
Profit
€29,744
Solvency
-32.7%
Go to Financials

Timeline

Events
7
Since
2021
  1. 07-11-2023Annual accounts filed
  2. 14-12-2022Annual accounts filed
  3. 31-12-2021Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Day nurseries and crèchesNACE 88911
Founded
30-06-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.