CONRARDY'S
ActiveCONRARDY'S has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €3k. Equity is growing by ~16% per year across the filed fiscal years. Its solvency ranks better than 41% of 17964 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability15▼-29
Solvency42▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.28 in 2024), and 76% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
24%
Return on assets
0.7%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-09-2026, 38 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 · 8 filingsDeviation from the deadline
2025
38 d late
2024
29 d late
2023
27 d late
2022
85 d late
2021
114 d late
2020
479 d late
2019
844 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 3.0%
2024 · €93k
2018: €17k
2019: €21k
2020: €62k
2021: €65k
2022: €68k
2023: €85k
2024: €93k
2018 → 2025
Total assets
€398k▼ 2.0%
2024 · €406k
2018: €508k
2019: €449k
2020: €505k
2021: €537k
2022: €535k
2023: €443k
2024: €406k
2018 → 2025
Net result
€3k▼ 66.1%
2024 · €8k
2018: €-1k
2019: €3k
2020: €41k
2021: €3k
2022: €3k
2023: €17k
2024: €8k
2018 → 2025
Working capital
€93k▲ 4.4%
2024 · €89k
2018: €15k
2019: €20k
2020: €56k
2021: €35k
2022: €43k
2023: €70k
2024: €89k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€68k▲ 4.7%€85k▲ 24.9%€93k▲ 9.7%€96k▲ 3.0%
Operating result€4k-€4k▼ 7.6%€23k▲ 548%€11k▼ 52.7%€4k▼ 63.3%
Net result€3k-€3k▼ 2.0%€17k▲ 451%€8k▼ 51.3%€3k▼ 66.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 63% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €398k
Fixed assets
€4k▼ 11.3%
Current assets
€395k▼ 1.9%
Equity and liabilities €398k
Equity
€96k▲ 3.0%
Debt
€303k▼ 3.4%
The debt ratio falls from 77.1% to 76.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€6k▼
2024 · €22k
Cash flow
€5k▼
2024 · €19k
Solvency
24.0%▲
2024 · 22.9%
Current ratio
1.31▲
2024 · 1.28
Quick ratio
0.20▼
2024 · 0.25
Debt / equity
3.16▼
2024 · 3.37
ROE
2.9%▼
2024 · 8.8%
ROA
0.7%▼
2024 · 2.0%
Interest coverage
5.77▼
2024 · 58.61
Debt
€303k▼
2024 · €313k
Debt ≤ 1 year
€302k▼
2024 · €313k
Income taxes
€843▼
2024 · €3k
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€406k€398k▼
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€4k€3k▼
Land and buildings22-€1k
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€1k€0▼
Financial fixed assets28€200€200=
Current assets29/58€402k€395k▼
Stocks and contracts in progress3€323k€334k▲
Stocks30/36€323k€334k▲
Amounts receivable within one year40/41€55k€14k▼
Trade receivables40€48k€12k▼
Other amounts receivable41€7k€2k▼
Cash at bank and in hand54/58€23k€44k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€406k€398k▼
Equity10/15€93k€96k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€72k€75k▲
Amounts payable17/49€313k€303k▼
Amounts payable within one year42/48€313k€302k▼
Trade debts44€12k€15k▲
Suppliers440/4€12k€15k▲
Taxes, remuneration and social security45€21k€14k▼
Taxes450/3€21k€14k▼
Other amounts payable47/48€281k€273k▼
Accrued charges and deferred income492/3-€697
Income statement
Code20242025
Non-recurring operating income76A€0€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€2k▼
Other operating charges640/8€7k€8k▲
Non-recurring operating charges66A€93€511▲
Gross operating margin9900€29k€15k▼
Operating profit (loss)9901€11k€4k▼
Financial income75/76B€130€615▲
Recurring financial income75€130€615▲
Financial charges65/66B€367€1k▲
Recurring financial charges65€367€1k▲
Profit (loss) for the period before taxes9903€11k€4k▼
Income taxes67/77€3k€843▼
Profit (loss) for the period9904€8k€3k▼
Profit (loss) for the period to be appropriated9905€8k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€72k€75k▲
Profit (loss) brought forward from the previous period14P€64k€72k▲
The notes to these accounts (10 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
07-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 38 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 85 days late
2022
22-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 114 days late
22-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 479 days late
22-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 844 days late
2020
31-12
Financial
Highest result since 2018net €41k ▲1092%
Operating result €49k, net result €41k, both a record.
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 153 days late
Financial milestoneNBB 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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Wanze · 1 establishment unit since 2018
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.
Chaussée de Wavre(WAN) 14520 WanzeGround area
699 m²
Building footprint
270 m²
Parcel 61072A0187/00N002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Conrardy's
since 20182.273.965.951
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61072A0187/00N002 | Wallonia | 699 m² | 1 · 270 m² | - |
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.
Similar companies · same sector, comparable size
Bastenie-Brahm
BE 0404.932.636
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BE 0434.689.959
Péruwelz · Eq €97k
RN Quincaillerie
BE 0802.629.270
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DE LENTDECKER LUC
BE 0448.547.497
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XING DA
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Seraing · Eq €101k
Of 300 companies in sector 47525 we hold annual accounts for 206. 148 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2018
Fiscal year end31-12
Activities, NACEBEL
47525Retail trade
25610Manufacture of fabricated metal products, except machinery and equipment
46841Wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
47553Retail trade
47593Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.