ARDENLAC
ActiveARDENLAC has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €340k and a net result of €20k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 60% of 7993 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-1
Solvency80▼-1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 2.01 in 2024; short-term debt: 37.8% and cash: 16.2% of total assets), and 45.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
54.7%
Return on assets
3.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 10-07-2026, 21 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
21 d early
2024
27 d late
2023
30 d late
2022
29 d late
2021
28 d late
2020
93 d early
2019
31 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€20k▼ 24.6%
2024 · €27k
2018: €7k
2019: €9k
2020: €20k
2021: €32k
2022: €-60k
2023: €-41k
2024: €27k
2018 → 2025
Working capital
€235k▼ 3.1%
2024 · €243k
2018: €352k
2019: €351k
2020: €344k
2021: €373k
2022: €319k
2023: €226k
2024: €243k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€414k-€354k▼ 14.5%€312k▼ 11.7%€339k▲ 8.5%€340k▲ 0.3%
Operating result€45k-€-63k€-36k▲ 43.0%€41k€35k▼ 15.2%
Net result€32k-€-60k€-41k▲ 31.2%€27k€20k▼ 24.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €622k
Fixed assets
€152k▲ 27.3%
Current assets
€471k▼ 2.4%
Equity and liabilities €622k
Equity
€340k▲ 0.3%
Debt
€282k▲ 7.5%
The debt ratio rises from 43.6% to 45.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€72k▼
2024 · €78k
Cash flow
€58k▼
2024 · €64k
Solvency
54.7%▼
2024 · 56.4%
Current ratio
2.00▼
2024 · 2.01
Quick ratio
1.71▲
2024 · 1.68
Debt / equity
0.83▲
2024 · 0.77
ROE
5.9%▼
2024 · 7.9%
ROA
3.2%▼
2024 · 4.4%
Interest coverage
24.53▼
2024 · 38.17
Debt
€282k▲
2024 · €262k
Debt ≤ 1 year
€236k▼
2024 · €240k
Debt > 1 year
€47k▲
2024 · €23k
Income taxes
€17k▲
2024 · €12k
Staff costs
€173k▼
2024 · €178k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€602k€622k▲
Fixed assets21/28€119k€152k▲
Intangible fixed assets21€38k€34k▼
Tangible fixed assets22/27€80k€117k▲
Land and buildings22€26k€22k▼
Plant, machinery and equipment23€4k€943▼
Furniture and vehicles24€50k€94k▲
Financial fixed assets28€841€841=
Current assets29/58€483k€471k▼
Stocks and contracts in progress3€80k€69k▼
Stocks30/36€80k€69k▼
Amounts receivable within one year40/41€312k€296k▼
Trade receivables40€311k€288k▼
Other amounts receivable41€1k€8k▲
Cash at bank and in hand54/58€87k€101k▲
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€602k€622k▲
Equity10/15€339k€340k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€130k€131k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€124k€125k▲
Profit (loss) carried forward14€148k€148k▲
Amounts payable17/49€262k€282k▲
Amounts payable after more than one year17€23k€47k▲
Financial debts170/4€23k€47k▲
Amounts payable within one year42/48€240k€236k▼
Current portion of amounts payable after more than one year42€19k€27k▲
Trade debts44€195k€186k▼
Suppliers440/4€195k€186k▼
Taxes, remuneration and social security45€26k€22k▼
Taxes450/3€8k€10k▲
Remuneration and social security454/9€18k€12k▼
Other amounts payable47/48-€950
Income statement
Code20242025
Remuneration, social security and pensions62€178k€173k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€37k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€10k€8k▼
Other operating charges640/8€9k€2k▼
Non-recurring operating charges66A€31€432▲
Gross operating margin9900€275k€255k▼
Operating profit (loss)9901€41k€35k▼
Financial income75/76B-€5k
Recurring financial income75-€5k
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€39k€37k▼
Income taxes67/77€12k€17k▲
Profit (loss) for the period9904€27k€20k▼
Profit (loss) for the period to be appropriated9905€27k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€174k€168k▼
Profit (loss) brought forward from the previous period14P€147k€148k▲
Transfer from equity791/2-€19k
Transfer to equity691/2€26k€20k▼
To the legal reserve6920€26k-
To other reserves6921-€20k
Profit to be distributed694/7-€19k
Return on contributions (dividend)694-€19k
The notes to these accounts (9 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Back to profitnet €27k
Net result €27k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €-60k ▼289%
Net result drops to €-60k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
31-12
Financial
Highest result since 2018net €32k ▲59.9%
Operating result €45k, net result €32k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
05-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Verviers · 1 establishment unit since 2002
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 Jean Gôme 1104802 VerviersGround area
2.1 ha
Building footprint
582 m²
Volume, LiDAR
3,380 m³
2 parcels, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Jean Gôme 73, 4802 Verviers
since 20022.094.766.963
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63022C0076/00K000 | Wallonia | 1.1 ha | 1 · 374 m² | 8.2 m · 2 fl. |
| 63036A0104/00_000 | Wallonia | 9,526 m² | 1 · 208 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVerviers2.094.766.963
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Of 392 companies in sector 46331 we hold annual accounts for 228. 161 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-06-2002
Fiscal year end31-12
Activities, NACEBEL
46331Wholesale trade
51331
47271Retail trade
47291Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.