4 Accords Management
Active4 Accords Management has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €124k. Equity is growing by ~42.7% per year across the filed fiscal years. Its solvency ranks better than 59% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+18
Solvency90▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 8.67 against 12.55 in 2024; short-term debt: 10.8% and cash: 46.4% of total assets), and 34.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
65.3%
Return on assets
73.1%
Age of the figures
9 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-05-2026, 64 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
64 d early
2024
83 d early
2023
90 d early
2022
31 d early
2021
135 d early
2020
89 d early
2019
92 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€187k
EBIT margin
55.1%
Net result
€124k▲ 61.2%
2024 · €77k
2018: €42k
2019: €47k
2020: €21k
2021: €53k
2022: €51k
2023: €84k
2024: €77k
2018 → 2025
Working capital
€141k▼ 7.2%
2024 · €152k
2018: €7k
2019: €14k
2020: €35k
2021: €84k
2022: €60k
2023: €77k
2024: €152k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€187k-
Equity€88k-€39k▼ 56.0%€50k▲ 28.4%€127k▲ 155%€111k▼ 12.5%
Operating result€103k-€95k▼ 8.3%€143k▲ 51.3%€145k▲ 1.4%€204k▲ 40.5%
Net result€53k-€51k▼ 3.8%€84k▲ 65.8%€77k▼ 8.3%€124k▲ 61.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€11k▼ 36.7%
Current assets
€159k▼ 3.5%
Equity and liabilities €170k
Equity
€111k▼ 12.5%
Provisions
€39k▲ 10.4%
Debt
€20k▲ 1.2%
The debt ratio rises from 10.9% to 11.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€210k▲
2024 · €153k
Cash flow
€130k▲
2024 · €85k
Solvency
65.3%▼
2024 · 69.7%
Current ratio
8.67▼
2024 · 12.55
Quick ratio
8.67▼
2024 · 12.55
Debt / equity
0.18▲
2024 · 0.16
ROE
111.9%▲
2024 · 60.8%
ROA
73.1%▲
2024 · 42.4%
Interest coverage
5.64▲
2024 · 3.44
Debt
€20k▲
2024 · €20k
Debt ≤ 1 year
€18k▲
2024 · €13k
Debt > 1 year
€2k▼
2024 · €7k
Income taxes
€42k▲
2024 · €24k
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€182k€170k▼
Fixed assets21/28€17k€11k▼
Tangible fixed assets22/27€17k€11k▼
Furniture and vehicles24€17k€11k▼
Current assets29/58€165k€159k▼
Amounts receivable within one year40/41€97k€80k▼
Trade receivables40€50k€80k▲
Other amounts receivable41€47k€228▼
Cash at bank and in hand54/58€68k€79k▲
Equity and liabilities
Total equity and liabilities10/49€182k€170k▼
Equity10/15€127k€111k▼
Contributions10/11€8k€8k=
Reserves13€60k€90k▲
Distributable reserves133€60k€90k▲
Profit (loss) carried forward14€59k€13k▼
Provisions and deferred taxes16€35k€39k▲
Provisions for liabilities and charges160/5€35k€39k▲
Other liabilities and charges164/5€35k€39k▲
Amounts payable17/49€20k€20k▲
Amounts payable after more than one year17€7k€2k▼
Financial debts170/4€7k€2k▼
Amounts payable within one year42/48€13k€18k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€70€280▲
Suppliers440/4€70€280▲
Taxes, remuneration and social security45€8k€13k▲
Taxes450/3€8k€13k▲
Other amounts payable47/48-€95
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€6k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-411€4k▲
Other operating charges640/8€1k€990▼
Non-recurring operating charges66A€212€0▼
Gross operating margin9900€154k€215k▲
Operating profit (loss)9901€145k€204k▲
Financial charges65/66B€44k€37k▼
Recurring financial charges65€44k€37k▼
Profit (loss) for the period before taxes9903€101k€167k▲
Income taxes67/77€24k€42k▲
Profit (loss) for the period9904€77k€124k▲
Profit (loss) for the period to be appropriated9905€77k€124k▲
Appropriation of the result
Profit (loss) to be appropriated9906€79k€183k▲
Profit (loss) brought forward from the previous period14P€2k€59k▲
Transfer to equity691/2€20k€30k▲
To the legal reserve6920€20k-
To other reserves6921-€30k
Profit to be distributed694/7-€140k
Return on contributions (dividend)694-€140k
The notes to these accounts (7 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €124k ▲61.2%
Operating result €204k, net result €124k, both a record.
09-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 12.55
Current ratio from 5.46 to 12.55; short-term debt falls from €17k to €13k.
31-12
Financial
Equity above €100kEq €127k ▲155%
7 profitable years in a row build equity to €127k.
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 5.46
Current ratio from 1.43 to 5.46; short-term debt falls from €140k to €17k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €21k ▼54.9%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 5.50
Current ratio from 1.30 to 5.50; short-term debt falls from €47k to €8k.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Lasne · 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.
Chemin de Bas-Ransbeck 58C1380 LasneGround area
2,701 m²
Building footprint
307 m²
Volume, LiDAR
552 m³
2 parcels, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
4 Accords Management
since 20182.273.302.193
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076G0101/00B000 | Wallonia | 1,638 m² | 1 · 209 m² | - |
| 25076G0105/00E000 | Wallonia | 1,063 m² | 1 · 98 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
2549001SVZJNWDFS3305
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,752 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.