Losses
-€14,211 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
ACLEA VASTGOED
Lifetime
19 annual accounts with figures on one time axis, 27 filings since 1999peak €279,491 (2025)
€279,491▲ 53.5%
lowest -€19,162 (2008)
-€9,075▼ €3,940
peak €285,123 (2023)
€270,912▼ 3.2%
€705,465▼ 13.4%
peak 1.8 FTE (2024)
-not published
Board7 names since 2020
-
Owners2 names in the annual accounts
0.02%PM CONSULT & INVEST
Documentsfilings and deeds
14-07-202617 days before the deadline
2025abbreviated format
Gross margin from €182,070 to €279,491Loss of €9,075Company renamed from IMMO WILLEMS-VERSELDER to ACLEA VASTGOED 15-05New director 05-05
Key points
from the 2025 annual accountsChecked score
93
Excellent
Financially stronger than 45% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.2%▲ +0.1 percentage points vs 12-2024
02-2025: 0.3%▲ +0.1 percentage points vs 01-2025
03-2025: 0.2%▼ -0.1 percentage points vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.3%▲ +0.1 percentage points vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.4%▲ +0.1 percentage points vs 12-2025
02-2026: 0.6%▲ +0.2 percentage points vs 01-2026
03-2026: 0.9%▲ +0.3 percentage points vs 02-2026
04-2026: 1.3%▲ +0.4 percentage points vs 03-2026
05-2026: 1.3%● unchanged vs 04-2026
06-2026: 1.5%▲ +0.2 percentage points vs 05-2026
07-2026: 2.4%▲ +0.9 percentage points vs 06-2026highest value
08-2026: 0.1%▼ -2.3 percentage points vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Loss of €9,075, the second in a row (financial year 2025)
lowers risk
Size: total assets €976,376
Figures for financial year 2025 (filed on 14-07-2026)
Legal form: public limited company
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 47% of them on solvency, 51% on liquidity and 36% on profitability.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,450 companies had the same profile as ACLEA VASTGOED has now. Each dot stands for 7 companies, two years later.
93.2%
were still trading
5.0%
stopped another way
1.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ACLEA VASTGOED itself is lower: 0.1% within 12 months. It rests on far more data about ACLEA VASTGOED than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,450 companies, not a prediction for ACLEA VASTGOED. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.58 (0.57 in 2024), below 1. Short-term debt is 25.8% and cash 8% of total assets. 72.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€9,075
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 days early
2024
on the day
2023
6 days early
2022
53 days early
2021
3 days early
2020
54 days early
2019
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 19 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (1)
Board and ownership
last known board- ACLEA VERZEKERINGEN 98.36%equity €706,789 (2025) · 2024 annual accounts of ACLEA VERZEKERINGEN
- PM CONSULT & INVEST 0.02%score 95equity €164,282 (2025) · 2025 annual accounts of PM CONSULT & INVEST
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0464293369
Company renamed from IMMO WILLEMS-VERSELDER to ACLEA VASTGOED
Change of role: TW INVEST, from director to sole director · Resignations: WILLEMS Martin (director) and PM CONSULT & INVEST (director) · Permanent representatives: MENSCHAERT Pascaline and WILLEMS Tom · General meeting of 08-05-2025 · Gazette deed
New director
PM INVEST & CONSULT appointed, ROGIERS Edward resigned · Permanent representative: MENSCHAERT Pascaline · Director discharge: ROGIERS Edward · General meeting of 16-04-2025 · Gazette deed
New establishment in Evergem
Weststraat 60
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ACLEA VASTGOED Eeklo | €976,376 | €279,491 | 27.7% | - |
| VASTGOEDBEHEERDERS W. VAN COILLIE EN CO Nazareth-De Pinte | €925,475 | €331,284 | 86.2% | - |
| LWC Hasselt | €950,659 | €305,620 | 20.1% | 3.9 |
| JM VASTGOED WELLEN Wellen | €977,122 | €308,550 | 67.1% | - |
| THIERRY HERPAIN EXPERTISES ET CONSULTANCES Uccle | €948,076 | €325,506 | 59.0% | - |
| CARL MARIEN Mechelen | €828,673 | €298,746 | 35.5% | - |
| MERTENS VASTGOED Antwerp | €955,086 | €312,653 | 48.8% | 5.6 |
These companies have the same main activity as ACLEA VASTGOED: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €829,000 and €977,000, founded between 1995 and 2000.
Official details
Source: KBO- Status
- Active since 06-10-1998Normal situation
- Activity
- Real estate agency activitiesNACE 68310and 4 others
- Joint committee
- 323Building management, estate agents and domestic staff · annual accounts 2025
- Establishment units
- 2.089.035.4519900 Eeklo, since 27-10-1998
- 2.357.836.9039940 Evergem, since 01-01-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 08-12-2025
Annual accounts 2025
- ≈ €690,000estimated
- €976,376
- Employeeson 31-12-2025
- 2
- Filing
- Filed on 14-07-2026, 17 days before the end of the filing period
Insights on ACLEA VASTGOED
ACLEA VASTGOED files the abbreviated format. That format states no turnover. The gross margin rose from €63,957 in 2007 to €279,491 in 2025.
The balance sheet grew most from 2017 to 2019 through fixed assets.
ACLEA VERZEKERINGEN holds 98.36% of the shares. In May 2025, three directors stepped down.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ACLEA VASTGOED
- What is the company number of ACLEA VASTGOED?
- The company number of ACLEA VASTGOED is 0464.293.369. The VAT number is the same number with BE in front: BE 0464.293.369.
- Where is ACLEA VASTGOED based?
- The registered office is at Boelare 86, 9900 Eeklo.Company details
- What does ACLEA VASTGOED do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of ACLEA VASTGOED?
- ACLEA VASTGOED is a public limited company (NV).
- When was ACLEA VASTGOED founded?
- ACLEA VASTGOED was founded on 06-10-1998.
- Is ACLEA VASTGOED still active?
- Yes, ACLEA VASTGOED is an active enterprise in the KBO register.
- How many employees does ACLEA VASTGOED have?
- ACLEA VASTGOED had an average of 2.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does ACLEA VASTGOED fall under?
- In its 2025 annual accounts, ACLEA VASTGOED states joint committee 323 (Building management, estate agents and domestic staff).
- What is the turnover of ACLEA VASTGOED?
- The turnover in financial year 2025 is ≈ €690,000. This figure is estimated from the gross margin of €279,491 and 30 comparable companies (NACE 683). It probably lies between €480,000 and €880,000.
- Is ACLEA VASTGOED profitable?
- In financial year 2025, ACLEA VASTGOED made a loss of €9,075.
- Where can I find the annual accounts of ACLEA VASTGOED?
- ACLEA VASTGOED filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
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