A.C.C. DIENSTENCHEQUES
ActiveA.C.C. DIENSTENCHEQUES has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-5.49M) and a net result of €849k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 216 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency0=
Growth38▲+6
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.27 against 0.34 in 2024; short-term debt: 358.1% and cash: 0.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-279.5%
Return on assets
43.2%
Age of the figures
18 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 216 sector peers (2025).
NBB · sector comparisonPosition among 216 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 04-11-2025, 4 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 · 10 filingsDeviation from the deadline
2025
4 d late
2024
42 d late
2023
49 d late
2022
31 d early
2021
12 d early
2020
19 d late
2019
6 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close18-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.42M▼ 91.8%
2024 · €17.34M
2019: €17.80M
2020: €17.60M
2021: €16.12M
2022: €18.18M
2023: €17.38M
2024: €17.34M
2019 → 2025
EBIT margin
62.7%▲ 100.6pp
2024 · -37.9%
2019: 2.5%
2020: 1.1%
2021: 5.8%
2022: 0.2%
2023: 0.3%
2024: -37.9%
2019 → 2025
Net result
€849k
2024 · €-6.60M
2019: €304k
2020: €117k
2021: €905k
2022: €33k
2023: €48k
2024: €-6.60M
2019 → 2025
Working capital
€-5.12M▲ 18.8%
2024 · €-6.31M
2019: €16k
2020: €661k
2021: €638k
2022: €361k
2023: €185k
2024: €-6.31M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€16.12M-€18.18M▲ 12.8%€17.38M▼ 4.4%€17.34M▼ 0.2%€1.42M▼ 91.8%
Equity€464k-€496k▲ 7.0%€258k▼ 48.0%€-6.34M€-5.49M▲ 13.4%
Operating result€932k-€42k▼ 95.5%€56k▲ 33.3%€-6.57M€891k
Net result€905k-€33k▼ 96.4%€48k▲ 45.9%€-6.60M€849k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €891k after a loss of €6.57M in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.96M
Fixed assets
€46k▼ 81.6%
Current assets
€1.92M▼ 39.8%
Key figures and ratios
EBITDA
€954k▲
2024 · €-6.50M
Cash flow
€912k▲
2024 · €-6.54M
Solvency
-279.5%▼
2024 · -184.4%
Current ratio
0.27▼
2024 · 0.34
Quick ratio
0.27▼
2024 · 0.34
Debt / equity
-1.30▲
2024 · -1.51
ROA
43.2%▲
2024 · -191.9%
Interest coverage
111.39▲
2024 · -366.16
Debt
€7.14M▼
2024 · €9.58M
Debt ≤ 1 year
€7.04M▼
2024 · €9.50M
Income taxes
€7k
Staff costs
€1.59M▼
2024 · €16.33M
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€3.44M€1.96M▼
Fixed assets21/28€248k€46k▼
Intangible fixed assets21€12k€0▼
Tangible fixed assets22/27€173k€1k▼
Plant, machinery and equipment23€1,000€0▼
Furniture and vehicles24€144k€1k▼
Other tangible fixed assets26€28k-
Financial fixed assets28€63k€44k▼
Other financial fixed assets284/8€63k€44k▼
Amounts receivable and cash guarantees285/8€63k€44k▼
Current assets29/58€3.19M€1.92M▼
Amounts receivable within one year40/41€1.31M€1.85M▲
Trade receivables40€1.25M€124k▼
Other amounts receivable41€62k€1.73M▲
Cash at bank and in hand54/58€1.77M€9k▼
Deferred charges and accrued income490/1€115k€56k▼
Equity and liabilities
Total equity and liabilities10/49€3.44M€1.96M▼
Equity10/15€-6.34M€-5.49M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€192k€192k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€99k€99k=
Distributable reserves133€87k€87k=
Profit (loss) carried forward14€-6.59M€-5.74M▲
Provisions and deferred taxes16€200k€320k▲
Provisions for liabilities and charges160/5€200k€320k▲
Other liabilities and charges164/5€200k€320k▲
Amounts payable17/49€9.58M€7.14M▼
Amounts payable after more than one year17€82k-
Financial debts170/4€82k-
Credit institutions173€82k-
Amounts payable within one year42/48€9.50M€7.04M▼
Current portion of amounts payable after more than one year42€28k-
Financial debts43€33k-
Credit institutions430/8€33k-
Trade debts44€94k€162k▲
Suppliers440/4€94k€162k▲
Taxes, remuneration and social security45€2.77M€392k▼
Taxes450/3€66k€646▼
Remuneration and social security454/9€2.71M€391k▼
Other amounts payable47/48€6.57M€6.48M▼
Accrued charges and deferred income492/3-€99k
Income statement
Code20242025
Operating income70/76A€17.47M€3.40M▼
Turnover70€17.34M€1.42M▼
Other operating income74€121k€104k▼
Non-recurring operating income76A€15k€1.88M▲
Operating charges60/66A€24.04M€2.51M▼
Goods for resale, raw materials and consumables60€222€244▲
Purchases600/8€222€244▲
Services and other goods61€919k€648k▼
Remuneration, social security and pensions62€16.33M€1.59M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€63k▲
Other operating charges640/8€13k€87k▲
Non-recurring operating charges66A€6.72M€120k▼
Operating profit (loss)9901€-6.57M€891k▲
Financial income75/76B€27k€35k▲
Recurring financial income75€27k€35k▲
Income from current assets751€5k€25k▲
Other financial income752/9€22k€10k▼
Financial charges65/66B€58k€70k▲
Recurring financial charges65€44k€50k▲
Debt charges650€18k€9k▼
Other financial charges652/9€27k€42k▲
Non-recurring financial charges66B€14k€20k▲
Profit (loss) for the period before taxes9903€-6.60M€856k▲
Income taxes67/77-€7k
Taxes670/3-€7k
Profit (loss) for the period9904€-6.60M€849k▲
Profit (loss) for the period to be appropriated9905€-6.60M€849k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6.59M€-5.74M▲
Profit (loss) brought forward from the previous period14P€4k€-6.59M▼
Social balance
Average headcount (FTE)9087539.847.5▼
The notes to these accounts (48 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
2025
04-11
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 4 days late
31-03
Financial
Back to profitnet €849k
Net result €849k after one loss-making year.
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 42 days late
31-03
Financial
Weakest financial yearnet €-6.60M ▼13978%
Net result drops to €-6.60M, the lowest in the series; recovery starts the following year.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 49 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
19-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-03
Financial
Highest result since 2019net €905k ▲674%
Operating result €932k, net result €905k, both a record.
2020
19-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 19 days late
31-03
Financial
Equity above €200kEq €259k ▲82.2%
2 profitable years in a row build equity to €259k.
2019
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 6 days late
2018
06-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
26-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Gent · 1 establishment unit since 2024
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.
Hurstweg 89000 GentGround area
9,109 m²
Building footprint
6,654 m²
Volume, LiDAR
92,778 m³
Parcel 44807G0316/00B002, Flanders · tallest building 24.8 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Hurstweg 8, 9000 Gent
since 20242.365.651.935
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44807G0316/00B002 | Flanders | 9,109 m² | 1 · 6,654 m² | 24.8 m · 6 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 16 entries · 27,188,121 EUR awarded · 27,117,382 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 130 EUR | 130 EUR |
| 2024 | 4 | 4,725,948 EUR | 4,740,698 EUR |
| 2023 | 4 | 11,570,310 EUR | 11,532,908 EUR |
| 2022 | 5 | 10,891,733 EUR | 10,843,646 EUR |
Schemes
Dienstencheques
Opleidingsfonds dienstencheques
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Vlaams opleidingsverlof (VOV)
Werkbaarheidscheque (stopgezet)
Similar companies · same sector, comparable size
nonzerosum
BE 0688.999.314
Gent · Eq €258k
O'connect
BE 1000.302.404
Merchtem · Eq €258k
Engenius
BE 0679.607.437
Halen · Eq €258k
Agence locale pour l'Emploi d'oreye
BE 0455.110.142
Oreye · Eq €257k
INQUEST BELGIË
BE 0880.432.079
Brasschaat · Eq €257k
Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 1,015 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-03-2006
Fiscal year end31-03
Activities, NACEBEL
78100Employment placement agencies
81210General cleaning of buildings
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.