A.C.K.
ActiveA.C.K. has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €21k. Equity is growing by ~43.2% per year across the filed fiscal years. Its solvency ranks better than 51% of 3263 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 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
Profitability100▲+30
Solvency70▲+25
Growth64▲+12
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 0.47 in 2024; short-term debt: 24.8% and cash: 22.4% of total assets), but 54.7% 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 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
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
45.3%
Return on assets
34.5%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
16 d early
2023
3 d early
2022
13 d early
2021
17 d early
2020
15 d early
2019
4 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€114k▼ 17.4%
2024 · €138k
2019: €108k
2020: €103k
2021: €108k
2022: €113k
2023: €122k
2024: €138k
2019 → 2025
EBIT margin
25.5%▲ 20.7pp
2024 · 4.8%
2019: 4.4%
2020: 5.5%
2021: 8.0%
2022: 4.0%
2023: 2.7%
2024: 4.8%
2019 → 2025
Net result
€21k▲ 2,137%
2024 · €947
2019: €3k
2020: €1k
2021: €4k
2022: €1k
2023: €917
2024: €947
2019 → 2025
Working capital
€9k
2024 · €-13k
2019: €-22k
2020: €-20k
2021: €-12k
2022: €-8k
2023: €-24k
2024: €-13k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€108k-€113k▲ 4.9%€122k▲ 8.1%€138k▲ 12.5%€114k▼ 17.4%
Equity€4k-€5k▲ 33.9%€6k▲ 19.2%€7k▲ 16.6%€28k▲ 319%
Operating result€9k-€4k▼ 47.9%€3k▼ 25.3%€7k▲ 97.5%€29k▲ 338%
Net result€4k-€1k▼ 70.2%€917▼ 24.3%€947▲ 3.2%€21k▲ 2,137%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 338% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€37k▲ 70.0%
Current assets
€25k▲ 118%
Equity and liabilities €61k
Equity
€28k▲ 319%
Debt
€34k▲ 27.7%
The debt ratio falls from 79.9% to 54.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34k▲
2024 · €16k
Cash flow
€26k▲
2024 · €10k
Solvency
45.3%▲
2024 · 20.1%
Current ratio
1.61▲
2024 · 0.47
Quick ratio
1.61▲
2024 · 0.47
Debt / equity
1.21▼
2024 · 3.96
ROE
76.1%▲
2024 · 14.2%
ROA
34.5%▲
2024 · 2.9%
Interest coverage
32.77▲
2024 · 6.06
Debt
€34k▲
2024 · €26k
Debt ≤ 1 year
€15k▼
2024 · €24k
Debt > 1 year
€18k▲
2024 · €445
Income taxes
€7k▲
2024 · €3k
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€33k€61k▲
Fixed assets21/28€22k€37k▲
Tangible fixed assets22/27€21k€37k▲
Land and buildings22€3k-
Furniture and vehicles24€15k€34k▲
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€300-
Current assets29/58€11k€25k▲
Amounts receivable within one year40/41€5k€11k▲
Trade receivables40€4k€11k▲
Other amounts receivable41€550-
Cash at bank and in hand54/58€7k€14k▲
Equity and liabilities
Total equity and liabilities10/49€33k€61k▲
Equity10/15€7k€28k▲
Contributions10/11€6k€6k=
Capital10€6k-
Issued capital100€19k-
Uncalled capital101€12k-
Reserves13€2k€17k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Reserves not available under the articles1311-€2k
Tax-exempt reserves132-€15k
Profit (loss) carried forward14€-1k€5k▲
Amounts payable17/49€26k€34k▲
Amounts payable after more than one year17€445€18k▲
Financial debts170/4€445€18k▲
Amounts payable within one year42/48€24k€15k▼
Current portion of amounts payable after more than one year42€5k€5k▼
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€15k€9k▼
Taxes450/3€15k€9k▼
Other amounts payable47/48€2k-
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Turnover70€138k€114k▼
Goods, raw materials, services and sundry goods60/61€118k€89k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€5k▼
Other operating charges640/8€8k€400▼
Gross operating margin9900€24k€34k▲
Operating profit (loss)9901€7k€29k▲
Financial income75/76B-€13
Recurring financial income75-€13
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€4k€28k▲
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€947€21k▲
Transfer to tax-exempt reserves689-€15k
Profit (loss) for the period to be appropriated9905€947€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€5k▲
Profit (loss) brought forward from the previous period14P€-2k€-1k▲
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
26-08
State Gazette act
Statutes amendment · Legal-form change · Resignations & appointmentsGeneral meeting · Statutes amendment · Reserve release9 facts ▸
State Gazette act
Statutes amendment · Legal-form change · Resignations & appointments
General meeting · Statutes amendment · Reserve release9 facts ▸
- General meeting, 2025-06-24
- Statutes amendment
- Reserve release, Suppression du compte de capitaux propres statutairement indisponible et mise à disposition des fonds pour distribution
- Capital
- Corporate purpose, Toute activité de présentations administratives, tout travail intellectuel, toute activité de consultance, toute activité de type « service bureau » ; Toute act…
- Director resignation, Frank KERSTEN (administrateur)
- Director appointment, Frank KERSTEN (administrateur non statutaire)
- Mandate compensation, Frank KERSTEN
- Director resignation, VANESSE Kevin (administrateur (alors gérant))
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2019net €21k ▲2137%
Operating result €29k, net result €21k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.61
Current ratio from 0.47 to 1.61; short-term debt falls from €24k to €15k.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €917 ▼24.3%
Net result drops to €917, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 22 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2025
Frank KERSTEN
CurrentAdministrateur non statutaire · since 24-06-2025
24-06-2025
Frank KERSTEN: Resigned as Director
24-06-2025
Frank KERSTEN: Appointed as Administrateur non statutaire
24-06-2025
VANESSE Kevin: Resigned as Administrateur (alors gérant)
Location & real-estate footprint
Registered office, Gerpinnes
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.
Rue Ry de Saint-Ry(LOV) 76280 GerpinnesGround area
1,422 m²
Building footprint
86 m²
Volume, LiDAR
344 m³
Parcel 52041B0008/00C007, Wallonia · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52041B0008/00C007 | Wallonia | 1,422 m² | 1 · 86 m² | 5.4 m · 1 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.
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Of 2,265 companies in sector 69209 we hold annual accounts for 1,096. 654 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-1999
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 25 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.