Equity
€76,252 ▼ 33.3%
ARDANZA CRISTOBAL paid out €69,004 in dividends. That is 222% of the 2025 profit.
ARDANZA CRISTOBAL
Lifetime
11 annual accounts with figures on one time axispeak €136,555 (2015)
€49,823▲ 51.8%
peak €111,090 (2015)
€31,013▲ 87.9%
peak €135,372 (2016)
€76,252▼ 33.3%
€40,857▲ 11×
Board1 name since 2013
1 directorARDANZA TREVIJANO MORAS Cristobal
Documentsfilings and deeds
30-01-20261 days before the deadline
2025micro format
Gross margin from €32,830 to €49,823Result from €16,506 to €31,013Dividend €69,004Equity from €114,243 to €76,252Debts from €3,602 to €40,857
Key points
from the 2025 annual accountsChecked score
95
Excellent
Financially stronger than 58% of micro companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: < 0.1%▼ -0.1 percentage points vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: 0.1%▲ +0.1 percentage points vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026highest value
03-2026: < 0.1%▼ -0.1 percentage points vs 02-2026lowest value
04-2026: < 0.1%● unchanged vs 03-2026lowest value
05-2026: < 0.1%● unchanged vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
No main activity registered
lowers risk
Size: total assets €117,109
Liquidity: current ratio 2.42, cash €91,434
Founded in 2014
Calculation
The band follows from the bankruptcy probability. 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 (no NACE code, micro). It does better than 54% of them on solvency, 76% on liquidity, 90% on profitability and 13% on growth.
The bankruptcy probability was computed on 07-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as ARDANZA CRISTOBAL has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of ARDANZA CRISTOBAL itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for ARDANZA CRISTOBAL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.42 (25.8 in 2024), above the usual 1.5. Short-term debt is 34.9% and cash 78.1% of total assets. 34.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
4 days early
2023
7 days early
2022
5 days early
2021
5 days early
2020
3 days early
2019
22 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 7 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 26 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end07-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0544766747
Resignation: ARDANZA TREVIJANO MORAS Cristobal (manager)
Reappointment: ARDANZA TREVIJANO MORAS Cristobal (director) · “Permettre aux actionnaires qui la composent,dans les limites et le respect de leur déontologie,la pratique et…” (deed in French) · Director discharge: ARDANZA TREVIJANO MORAS Cristobal · General meeting of 21-03-2023 · Gazette deed
Incorporation
published on 29-01-2014 · Gazette deed
First establishment
Ijsvogellaan 48, Watermael-Boitsfort
Official details
Source: KBO- Status
- Active since 27-01-2014Normal situation
- Activity
- No activity registered in the KBO
- Establishment unit
- 2.226.036.0731170 Watermael-Boitsfort, since 27-01-2014
- Financial year end
- 30 June
- Peppol
- Reachable since 10-03-2026
Annual accounts to 30-06-2025
- ≈ €200,000estimated
- €117,109▼ 0.6%
- Filing
- Filed on 30-01-2026, 1 day before the end of the filing period
Insights on ARDANZA CRISTOBAL
ARDANZA CRISTOBAL files the micro format. That format states no turnover. The gross margin fell from €136,555 in 2015 to €49,823 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ARDANZA CRISTOBAL
- What is the company number of ARDANZA CRISTOBAL?
- The company number of ARDANZA CRISTOBAL is 0544.766.747. The VAT number is the same number with BE in front: BE 0544.766.747.
- Where is ARDANZA CRISTOBAL based?
- The registered office is at Ijsvogellaan 46, 1170 Watermael-Boitsfort.Company details
- What is the legal form of ARDANZA CRISTOBAL?
- ARDANZA CRISTOBAL is a private limited company (BV).
- When was ARDANZA CRISTOBAL founded?
- ARDANZA CRISTOBAL was founded on 27-01-2014.
- Is ARDANZA CRISTOBAL still active?
- Yes, ARDANZA CRISTOBAL is an active enterprise in the KBO register.
- What is the turnover of ARDANZA CRISTOBAL?
- The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €49,823 and 2,941 comparable companies of the same size. It probably lies between €120,000 and €360,000. It is a rough estimate.Financials
- Is ARDANZA CRISTOBAL profitable?
- In financial year 2025, ARDANZA CRISTOBAL made a profit of €31,013.
- Where can I find the annual accounts of ARDANZA CRISTOBAL?
- ARDANZA CRISTOBAL filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ARDANZA CRISTOBAL due?
- ARDANZA CRISTOBAL must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.