ARDAM
ActiveARDAM has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €19k. Its solvency ranks better than 65% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100
Solvency96
Growth78▼-2
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.41; short-term debt: 29.3% and cash: 56.3% of total assets), and 29.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
70.7%
Return on assets
70.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 3 filingsDeviation from the deadline
2025
27 d late
2024
29 d late
2023
6 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▲ 383%
2023 · €4k
2023: €4k
2023 → 2025
Total assets
€26k▲ 565%
2023 · €4k
2023: €4k
2023 → 2025
Net result
€19k
2024 · €-4k
2023: €-11k
2024: €-4k
2023 → 2025
Working capital
€19k▲ 383%
2023 · €4k
2023: €4k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€4k-€19k
Operating result€-9k-€-4k▲ 60.0%€24k
Net result€-11k-€-4k▲ 65.0%€19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €24k after a loss of €4k in 2024, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €26k
Equity
€19k
Debt
€8k
Debt finances 29.3% of the balance-sheet total.
Key figures and ratios
Solvency
70.7%
Current ratio
3.41
Quick ratio
3.41
Debt / equity
0.41
ROE
100.0%
ROA
70.7%
Debt
€8k
Debt ≤ 1 year
€8k
Income taxes
€5k
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58-€26k
Current assets29/58-€26k
Amounts receivable within one year40/41-€11k
Trade receivables40-€10k
Other amounts receivable41-€2k
Cash at bank and in hand54/58-€15k
Equity and liabilities
Total equity and liabilities10/49-€26k
Equity10/15-€19k
Contributions10/11€6k€6k=
Reserves13-€13k
Distributable reserves133-€13k
Profit (loss) carried forward14€-6k€0▲
Amounts payable17/49-€8k
Amounts payable within one year42/48-€8k
Trade debts44-€315
Suppliers440/4-€315
Taxes, remuneration and social security45-€6k
Taxes450/3-€6k
Other amounts payable47/48-€1k
Income statement
Code20242025
Other operating charges640/8-€193
Non-recurring operating charges66A€4k€-67▼
Gross operating margin9900€317€24k▲
Operating profit (loss)9901€-4k€24k▲
Financial charges65/66B€120€150▲
Recurring financial charges65€120€150▲
Profit (loss) for the period before taxes9903€-4k€24k▲
Income taxes67/77-€5k
Profit (loss) for the period9904€-4k€19k▲
Profit (loss) for the period to be appropriated9905€-4k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€13k▲
Profit (loss) brought forward from the previous period14P€-2k€-6k▼
Transfer to equity691/2-€13k
To other reserves6921-€13k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
19-08
State Gazette act
Registered officeGeneral meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move2 facts ▸
- General meeting, 2026-05-12
- Registered-office move, 7120 Estinnes-au-Val Rue de Mons 64
2025
31-12
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Estinnes · 1 establishment unit since 2023
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.
Rue de Mons(EVL) 647120 EstinnesGround area
5,859 m²
Building footprint
99 m²
Volume, LiDAR
1,038 m³
Parcel 55011A0045/00L000, Wallonia · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
RG MEDICAL
since 20232.344.124.863
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55011A0045/00L000 | Wallonia | 5,859 m² | 1 · 99 m² | 13.0 m · 3 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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 29,791 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
88994Social work activities without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.