Ingrid Andry

Active

Private limited companyfounded 20242 yrs activePandgatheide(OPP) 9, 2890 Puurs-Sint-Amands, BelgiumKBO/BCE: BE 1006.376.879

Ingrid Andry has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €26k. Its solvency ranks better than 44% of 16426 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2025

89 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+2

Solvency81▲+30

Growth78

Track record82

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity ample (current ratio 1.75 against 0.83 in 2024; short-term debt: 42.4% and cash: 43.8% of total assets), and 44.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 86

Relative position

BE, all sectors

reference

Sector 86

lower

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

55.7%

Return on assets

40.5%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 · 2 filings

Deviation from the deadline

2025

12 d late

2024

6 d early

← before the deadline after the deadline →

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 months

Position in the running window

17-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€35k▲ 267%

2024 · €10k

2024: €10k

2024 → 2025

Total assets

€63k▲ 73.7%

2024 · €36k

2024: €36k

2024 → 2025

Net result

€26k▲ 198%

2024 · €9k

2024: €9k

2024 → 2025

Working capital

€20k

2024 · €-3k

2024: €-3k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€10k-€35k▲ 267%

Operating result€13k-€36k▲ 173%

Net result€9k-€26k▲ 198%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 173% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €63k

25.9%

74.1%

Fixed assets €16k▼ 23.4%

Current assets €47k▲ 211%

Equity and liabilities €63k

55.7%

44.3%

Equity €35k▲ 267%

Debt €28k▲ 4.5%

The debt ratio falls from 73.6% to 44.3%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€41k▲

2024 · €17k

Cash flow

€31k▲

2024 · €12k

Solvency

55.7%▲

2024 · 26.4%

Current ratio

1.75▲

2024 · 0.83

Quick ratio

1.75▲

2024 · 0.83

Debt / equity

0.80▼

2024 · 2.79

ROE

72.7%▼

2024 · 89.6%

ROA

40.5%▲

2024 · 23.6%

Interest coverage

64.12▲

2024 · 20.33

Debt

€28k▲

2024 · €27k

Debt ≤ 1 year

€27k▲

2024 · €18k

Debt > 1 year

€1k▼

2024 · €9k

Income taxes

€10k▲

2024 · €4k

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€36k€63k▲

Fixed assets21/28€21k€16k▼

Tangible fixed assets22/27€21k€16k▼

Furniture and vehicles24€21k€16k▼

Current assets29/58€15k€47k▲

Amounts receivable within one year40/41-€19k

Other amounts receivable41-€19k

Cash at bank and in hand54/58€15k€28k▲

Deferred charges and accrued income490/1€396€451▲

Equity and liabilities

Total equity and liabilities10/49€36k€63k▲

Equity10/15€10k€35k▲

Contributions10/11€1k€1k=

Reserves13€9k€34k▲

Distributable reserves133€9k€34k▲

Amounts payable17/49€27k€28k▲

Amounts payable after more than one year17€9k€1k▼

Financial debts170/4€9k€1k▼

Amounts payable within one year42/48€18k€27k▲

Current portion of amounts payable after more than one year42€7k€7k▲

Trade debts44€795€4k▲

Suppliers440/4€795€4k▲

Taxes, remuneration and social security45€4k€10k▲

Taxes450/3€4k€10k▲

Other amounts payable47/48€7k€5k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲

Other operating charges640/8€1k€843▼

Gross operating margin9900€18k€42k▲

Operating profit (loss)9901€13k€36k▲

Financial charges65/66B€828€640▼

Recurring financial charges65€828€640▼

Profit (loss) for the period before taxes9903€12k€35k▲

Income taxes67/77€4k€10k▲

Profit (loss) for the period9904€9k€26k▲

Profit (loss) for the period to be appropriated9905€9k€26k▲

Appropriation of the result

Profit (loss) to be appropriated9906€9k€26k▲

Transfer to equity691/2€9k€26k▲

To other reserves6921€9k€26k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

12-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 12 days late

2025

31-12

Financial Liquidity doublescurrent ratio 1.75

Current ratio from 0.83 to 1.75.

25-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

Location & real-estate footprint

Registered office, Puurs-Sint-Amands · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Pandgatheide(OPP) 92890 Puurs-Sint-Amands

Ground area

1,138 m²

Building footprint

103 m²

Volume, LiDAR

576 m³