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A.C.M. ASSUR

Active
Public limited companyfounded 1989active for 37 yearsOudstrijdersstraat 7, 2540 Hove, BelgiumKBO/BCE: BE 0436.906.806
Summary

A.C.M. ASSUR has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €853,787 and a net result of €14,403, of which €9,933 non-recurring income. Equity remains stable across the filed financial years (±1% per year). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow ReportCompare
A.C.M. ASSURActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Activity not known
Size
≈ €140,000turnover 2025, estimated
Equity
€853,787
Profit
€14,403
Turnover estimated from the gross margin
Financial health
96 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
2025 accounts 26 days early1 of 7 deeds summarised
Why 96raises riskNo registered site in the KBOlowers riskSize: total assets €855,467Equity €853,787 (99.8% of total assets)Liquidity: current ratio 972.89, cash €312,855Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 68% of its sector peers (no NACE code, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 99.8% of total assets
Liquidity 96-4
short-term debt 0.1% · cash 36.6%
Profitability 71+34
return on assets 1.7%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024highest value 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026
Credit of up to €80,000 on 30-day terms is acceptable
short-term debt: 0.1% and cash: 36.6% of total assets, and 0.2% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 (no NACE code, micro): better than 81% on solvency, 87% on liquidity, 50% on profitability and 53% on growth.

The bankruptcy probability was computed on 27-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €855,467
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Equity €853,787 (99.8% of total assets)
NBB · annual accounts
lowers risk · Liquidity: current ratio 972.89, cash €312,855
NBB · annual accounts
raises risk · No registered site in the KBO
KBO · seat and establishments
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
26 days early
2024
14 days early
2023
1 day early
2022
1 day early
2021
17 days early
2020
3 days early
2019
1 day early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 9 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 17 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end28-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Reappointments: De Herdt Paul, Van de…Appointment: De Herdt Paul (managing…
  2. Annual accounts filedfinancial year 2025 · micro…
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €14,403, mostly one-off 7 years View
  • Active since 1989founded 06-03-1989 37 years View

By topic

Financials

Financial year
2025
Total assets
€855,467
Profit
€14,403
Solvency
99.8%
Total assets▲ 0.3%
Net result
20192025
Go to Financials

Board & ownership

Board
3 members
  • De Herdt AnnickDirector
  • De Herdt PaulManaging director
  • Van de Straete MagdaDirector
Go to Board & ownership

Timeline

Events
38
Since
1991
Next accounts
by 31-01-2027
  1. 30-06-2024Weakest financial year
  2. 30-01-2024Annual accounts filed
  3. 30-01-2023Annual accounts filed
Go to Timeline

Company details

Legal form
Public limited company
Founded
06-03-1989
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

Key facts about A.C.M. ASSUR

What is the company number of A.C.M. ASSUR?
0436.906.806. In Belgium the VAT number is the company number with BE in front: BE 0436.906.806.
Where is A.C.M. ASSUR based?
The registered office is at Oudstrijdersstraat 7, 2540 Hove.Company details
What is the legal form of A.C.M. ASSUR?
Public limited company (NV).
When was A.C.M. ASSUR founded?
On 06-03-1989.
Is A.C.M. ASSUR still active?
Yes, A.C.M. ASSUR is an active enterprise in the KBO register.
What is the turnover of A.C.M. ASSUR?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is A.C.M. ASSUR profitable?
In financial year 2025, A.C.M. ASSUR made a profit of €14,403.
Where can I find the annual accounts of A.C.M. ASSUR?
A.C.M. ASSUR filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of A.C.M. ASSUR due?
By 31-01-2027, for financial year 2026.Timeline

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