A.C.G.V.
ActiveA.C.G.V. has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €369k and a net result of €884. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 67% of 15368 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability55▼-30
Solvency98▲+7
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 1.46 in 2023; short-term debt: 25.8% and cash: 16.5% of total assets), and 26.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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
not confirmed
2024
30 d late
2023
30 d late
2022
31 d late
2021
79 d late
2020
4 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€369k=
2023 · €369k
2018: €371k
2019: €371k
2020: €296k
2021: €378k
2022: €372k
2023: €369k
2018 → 2024
Total assets
€504k▼ 10.5%
2023 · €563k
2018: €541k
2019: €543k
2020: €501k
2021: €550k
2022: €529k
2023: €563k
2018 → 2024
Net result
€884▼ 98.8%
2023 · €72k
2018: €40k
2019: €54k
2020: €55k
2021: €44k
2022: €70k
2023: €72k
2018 → 2024
Working capital
€107k▲ 19.7%
2023 · €89k
2018: €-108k
2019: €-101k
2020: €-7k
2021: €87k
2022: €88k
2023: €89k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€296k-€378k▲ 27.8%€372k▼ 1.6%€369k▼ 0.8%€369k=
Operating result€76k-€81k▲ 7.1%€83k▲ 2.8%€116k▲ 38.9%€21k▼ 81.6%
Net result€55k-€44k▼ 20.6%€70k▲ 60.7%€72k▲ 2.2%€884▼ 98.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 82% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €504k
Fixed assets
€268k▼ 4.4%
Current assets
€237k▼ 16.5%
Equity and liabilities €504k
Equity
€369k=
Debt
€135k▼ 30.4%
The debt ratio falls from 34.5% to 26.8%. Debt is lower.
Key figures and ratios
EBITDA
€33k▼
2023 · €128k
Cash flow
€13k▼
2023 · €84k
Solvency
73.2%▲
2023 · 65.5%
Current ratio
1.82▲
2023 · 1.46
Quick ratio
1.82▲
2023 · 1.46
Debt / equity
0.37▼
2023 · 0.53
ROE
0.2%▼
2023 · 19.4%
ROA
0.2%▼
2023 · 12.7%
Interest coverage
4.36▼
2023 · 43.93
Debt
€135k▼
2023 · €194k
Debt ≤ 1 year
€130k▼
2023 · €194k
Income taxes
€14k▼
2023 · €42k
Staff costs
€16k▼
2023 · €121k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€563k€504k▼
Fixed assets21/28€280k€268k▼
Tangible fixed assets22/27€32k€20k▼
Land and buildings22€20k€20k=
Plant, machinery and equipment23€1k€0▼
Furniture and vehicles24€11k€0▼
Financial fixed assets28€248k€248k=
Current assets29/58€283k€237k▼
Amounts receivable within one year40/41€153k€134k▼
Trade receivables40-€15k
Other amounts receivable41€153k€119k▼
Cash at bank and in hand54/58€130k€83k▼
Deferred charges and accrued income490/1€803€19k▲
Equity and liabilities
Total equity and liabilities10/49€563k€504k▼
Equity10/15€369k€369k=
Contributions10/11€19k€19k=
Reserves13€351k€351k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Distributable reserves133€344k€344k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€194k€135k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€194k€130k▼
Current portion of amounts payable after more than one year42€2k€0▼
Trade debts44€17k€15k▼
Suppliers440/4€17k€15k▼
Taxes, remuneration and social security45€48k€21k▼
Taxes450/3€34k€21k▼
Remuneration and social security454/9€14k€0▼
Other amounts payable47/48€128k€93k▼
Accrued charges and deferred income492/3€0€5k▲
Income statement
Code20232024
Remuneration, social security and pensions62€121k€16k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€252k€52k▼
Operating profit (loss)9901€116k€21k▼
Financial income75/76B€733€836▲
Recurring financial income75€733€836▲
Financial charges65/66B€3k€8k▲
Recurring financial charges65€3k€8k▲
Profit (loss) for the period before taxes9903€113k€14k▼
Income taxes67/77€42k€14k▼
Profit (loss) for the period9904€72k€884▼
Profit (loss) for the period to be appropriated9905€72k€884▼
Appropriation of the result
Profit (loss) to be appropriated9906€72k€884▼
Transfer from equity791/2€3k€0▼
Profit to be distributed694/7€75k€884▼
Return on contributions (dividend)694€75k€884▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Weakest financial yearnet €884 ▼98.8%
Net result drops to €884, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €72k ▲2.2%
Operating result €116k, net result €72k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 79 days late
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
22-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 53 days late
2016
12-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 43 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Aalter
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.
Hoefijzer 109880 AalterGround area
457 m²
Building footprint
181 m²
Volume, LiDAR
2,178 m³
Parcel 44001B0705/00P003, Flanders · tallest building 19.0 m, ±4 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44001B0705/00P003 | Flanders | 457 m² | 1 · 180 m² | 19.0 m · 4 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
2022 to 2024 · 3 entries · 716 EUR awarded · 674 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 299 EUR | 299 EUR |
| 2023 | 1 | 219 EUR | 177 EUR |
| 2022 | 1 | 198 EUR | 198 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,172 companies in sector 69201 we hold annual accounts for 7,638. 5,852 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-1991
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
70200Business and other management consultancy
70220Business consulting
74121
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.