VAN KEER ANDY
ActiveThe computed 12-month bankruptcy probability of VAN KEER ANDY is 2.0% (moderate). The 2025 annual accounts show equity of €227k and a net result of €28k. Equity is growing by ~30.3% per year across the filed fiscal years. Its solvency ranks better than 39% of 27787 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-25
Solvency63▼-37
Growth52=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 5.8 against 25.73 in 2024; short-term debt: 4.8% and cash: 5.7% of total assets), but 62.5% of the assets are financed with debt.
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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
37.5%
Return on assets
4.6%
Age of the figures
9 mo
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 21-04-2026, 101 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
101 d early
2024
114 d early
2023
33 d early
2022
7 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€227k▲ 14.1%
2024 · €199k
2022: €78k
2023: €144k
2024: €199k
2022 → 2025
Total assets
€604k▲ 194%
2024 · €205k
2022: €128k
2023: €177k
2024: €205k
2022 → 2025
Net result
€28k▼ 48.4%
2024 · €54k
2022: €76k
2023: €66k
2024: €54k
2022 → 2025
Working capital
€138k▼ 14.6%
2024 · €162k
2022: €57k
2023: €126k
2024: €162k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€78k-€144k▲ 85.1%€199k▲ 37.6%€227k▲ 14.1%
Operating result€104k-€91k▼ 11.8%€74k▼ 19.5%€39k▼ 47.2%
Net result€76k-€66k▼ 12.6%€54k▼ 18.2%€28k▼ 48.4%
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 three years in a row; 2025 is 47% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €604k
Fixed assets
€437k▲ 1,082%
Current assets
€167k▼ 0.8%
Equity and liabilities €604k
Equity
€227k▲ 14.1%
Debt
€377k▲ 5,612%
The debt ratio rises from 3.2% to 62.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€59k▼
2024 · €82k
Cash flow
€48k▼
2024 · €62k
Solvency
37.5%▼
2024 · 96.8%
Current ratio
5.80▼
2024 · 25.73
Quick ratio
4.20▼
2024 · 20.54
Debt / equity
1.66▲
2024 · 0.03
ROE
12.4%▼
2024 · 27.3%
ROA
4.6%▼
2024 · 26.4%
Interest coverage
19.59▼
2024 · 102.32
Debt
€377k▲
2024 · €7k
Debt ≤ 1 year
€29k▲
2024 · €7k
Debt > 1 year
€348k
Income taxes
€11k▼
2024 · €21k
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€205k€604k▲
Fixed assets21/28€37k€437k▲
Tangible fixed assets22/27€37k€437k▲
Plant, machinery and equipment23€7k€16k▲
Furniture and vehicles24€18k€12k▼
Leasing and similar rights25-€36k
Other tangible fixed assets26€13k€9k▼
Assets under construction and advance payments27-€363k
Current assets29/58€168k€167k▼
Stocks and contracts in progress3€34k€46k▲
Stocks30/36€34k€46k▲
Amounts receivable within one year40/41€40k€79k▲
Trade receivables40€33k€432▼
Other amounts receivable41€7k€79k▲
Cash at bank and in hand54/58€88k€34k▼
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€205k€604k▲
Equity10/15€199k€227k▲
Contributions10/11€2k€2k=
Reserves13€197k€225k▲
Distributable reserves133€197k€225k▲
Amounts payable17/49€7k€377k▲
Amounts payable after more than one year17-€348k
Financial debts170/4-€348k
Amounts payable within one year42/48€7k€29k▲
Current portion of amounts payable after more than one year42-€19k
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€2k€0▼
Taxes450/3€2k€0▼
Other amounts payable47/48-€3k
Accrued charges and deferred income492/3€62€0▼
Income statement
Code20242025
Non-recurring operating income76A-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€20k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€916€0▼
Gross operating margin9900€85k€62k▼
Operating profit (loss)9901€74k€39k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€797€3k▲
Recurring financial charges65€797€3k▲
Profit (loss) for the period before taxes9903€76k€39k▼
Income taxes67/77€21k€11k▼
Profit (loss) for the period9904€54k€28k▼
Profit (loss) for the period to be appropriated9905€54k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€28k▼
Transfer to equity691/2€54k€28k▼
To other reserves6921€54k€28k▼
The notes to these accounts (11 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
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €28k ▼48.4%
Net result drops to €28k, the lowest in the series.
31-12
Financial
Equity above €200kEq €227k ▲14.1%
4 profitable years in a row build equity to €227k.
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 5current ratio 25.73
Current ratio from 4.88 to 25.73; short-term debt falls from €33k to €7k.
31-12
Financial
Equity above €150kEq €199k ▲37.6%
3 profitable years in a row build equity to €199k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 4.88
Current ratio from 2.15 to 4.88; short-term debt falls from €50k to €33k.
31-12
Financial
Equity above €100kEq €144k ▲85.1%
2 profitable years in a row build equity to €144k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lede · 1 establishment unit since 2021
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.
Kluize 299340 LedeGround area
189 m²
Building footprint
189 m²
Volume, LiDAR
1,117 m³
Parcel 41052C0406/00Y000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VAN KEER ANDY
since 20212.324.605.493
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41052C0406/00Y000 | Flanders | 189 m² | 1 · 189 m² | 8.2 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 191 EUR awarded · 105 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 105 EUR | 105 EUR |
| 2023 | 1 | 86 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
ELY
BE 0828.675.948
Londerzeel · Eq €227k
MEEUWSSEN JOZEF
BE 0422.215.957
Ravels · Eq €227k
DEBACK Electrics
BE 0833.202.878
Zwevegem · Eq €227k
DE BELS
BE 0824.842.171
Roeselare · Eq €227k
AGYP CONSTRUCTIONS & TECHNICS
BE 0861.655.948
Boechout · Eq €227k
Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 8,077 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2021
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.