GROUP ANDRADE

Active

Private limited companyfounded 20215 yrs activeBergensesteenweg 421, 1600 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 0764.466.205

Summary

The computed 12-month bankruptcy probability of GROUP ANDRADE is 2.4% (moderate). The 2025 annual accounts show equity of €98,434 and a net result of €17,402. Equity is growing by ~103.9% per year across the filed fiscal years. Its solvency ranks better than 59% of 8982 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).

Risk analysisWatch Report Compare

GROUP ANDRADEActiveChecked score 54/100

Risk analysis Report Compare

Activity

General construction of residential buildings

NACE 41001General construction of buildings NACE 41201

1 site

Size

€187,364total assets 2025

Equity: €98,434
Profit: €17,402

Turnover not published (abridged schema)

Financial health

54 Fair Checked score 2025

Bankruptcy chance 12 m: 2.4%

Structure

Accounts 9 d early0 of 4 deeds read

Why 54- Sector Construction of residential and non-residential buildings (NACE 41)- 1 change of registered office in 24 months- Founded in 2021+ Liquidity: current ratio 1.64, cash €85,347Show the evidence

Checked score

Score 2025

54 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 67% of its sector peers (NACE 41, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 78+8

equity 52.5% of total assets

Liquidity 78+1

short-term debt 44.8% · cash 45.6%

Profitability 80-11

return on assets 9.3%

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,211 companies)

Last 24 months 11-2024: 23.5%highest value 12-2024: 16.3%▼ -30.7% vs 11-2024 01-2025: 16.3%● 0.0% vs 12-2024 02-2025: 16.1%▼ -1.4% vs 01-2025 03-2025: 10.1%▼ -37.1% vs 02-2025 04-2025: 10.1%▲ +0.4% vs 03-2025 05-2025: 10.4%▲ +2.0% vs 04-2025 06-2025: 14.8%▲ +43.3% vs 05-2025 07-2025: 14.6%▼ -1.2% vs 06-2025 08-2025: 17.2%▲ +17.3% vs 07-2025 09-2025: 17.1%▼ -0.4% vs 08-2025 10-2025: 4.0%▼ -76.6% vs 09-2025 11-2025: 4.0%● 0.0% vs 10-2025 12-2025: 4.0%● 0.0% vs 11-2025 01-2026: 4.0%▼ -1.1% vs 12-2025 02-2026: 4.0%▲ +0.4% vs 01-2026 03-2026: 4.2%▲ +4.3% vs 02-2026 04-2026: 4.3%▲ +2.9% vs 03-2026 05-2026: 5.1%▲ +19.5% vs 04-2026 06-2026: 5.1%▲ +0.7% vs 05-2026 07-2026: 5.1%● 0.0% vs 06-2026 08-2026: 2.7%▼ -47.8% vs 07-2026 09-2026: 2.7%▲ +1.0% vs 08-2026 10-2026: 2.4%▼ -11.7% vs 09-2026lowest value

Liquidity: current ratio 1.64, cash €85,347 lowers the probability
Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
1 change of registered office in 24 months raises the probability
Founded in 2021 raises the probability for this profile

Credit up to €5,000 at 30 days acceptable

Liquidity ample (current ratio 1.64 against 1.34 in 2024; short-term debt: 44.8% and cash: 45.6% of total assets), and 47.5% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 61%, liquidity 82%, profitability 62%, growth against the median 65%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Liquidity: current ratio 1.64, cash €85,347

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Construction of residential and non-residential buildings (NACE 41)

In the bankruptcy model this factor raises the probability.

KBO

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Founded in 2021

In the bankruptcy model this factor raises the probability for this profile.

KBO

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

9 d early

2024

26 d late

2023

190 d late

2022

556 d late

2021

64 d 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 165 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Administrative warnings in the KBO publications

1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.

KBO publications

Publications

Address struck

Checked, nothing found (1)

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. Usually files around 3 October (4 of the last 5 filed years within 127 days of that day).

Companies Code · seven months

Position in the running window

04-10-2026 today31-12-2026 close31-07-2027 deadline