Equity
€979,741 ▼ 20.4%
AC SERV - KMO OFFICE paid out €483,164 in dividends. That is 208% of the 2025 profit.
AC SERV - KMO OFFICE
Lifetime
19 annual accounts with figures on one time axis, 23 filings since 2002peak €878,509 (2024)
€792,790▼ 9.8%
lowest -€83,141 (2011)
€232,291▼ 12.0%
peak €1.2m (2024)
€979,741▼ 20.4%
€382,156▼ 8.9%
peak 6.7 FTE (2024)
5.1 FTE▼ 23.9%
Board2 names since 2002
2 directorsCONVENTS Nele and 1 other
Documentsfilings and deeds
27-07-20264 days before the deadline
2025abbreviated format
Staff from 6.7 FTE to 5.1 FTEDividend €483,164Equity from €1.2m to €979,741
Key points
from the 2025 annual accountsChecked score
94
Excellent
Financially stronger than 51% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,104 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
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 06-2025highest value
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 06-2026
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 5.96, cash €269,715
Sector: Legal and accounting activities (NACE 69)
Equity €979,741 (71.9% of total assets)
Figures for financial year 2025 (filed on 27-07-2026)
Calculation
The band follows from the bankruptcy probability. 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 (NACE 69, micro). It does better than 69% of them on solvency, 63% on liquidity, 51% on profitability and 19% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as AC SERV - KMO OFFICE has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of AC SERV - KMO OFFICE itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for AC SERV - KMO OFFICE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €90,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.96 (7.88 in 2024), above the usual 1.5. Short-term debt is 11.6% and cash 19.8% of total assets. 28.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 days early
2024
3 days early
2023
2 days early
2022
14 days early
2021
2 days early
2020
17 days early
2019
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 6 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0474385527
1 director resigning, 1 manager resigning, 2 reappointments
Resignations: CONVENTS Nele and CONVENTS André Jozef Jean Marie (statutory manager) · Reappointments: CONVENTS Nele (director) and CONVENTS André Jozef Jean Marie (director) · “De boekhouding en de boekhoudkundige diensten organiseren en advies verstrekken inzake de boekhoudkundige…” (deed in Dutch) · Gazette deed
First establishment
Langestraat 190, Zandhoven
Incorporation
published on 14-04-2001 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AC SERV - KMO OFFICE Zandhoven | €1.4m | €792,790 | 71.9% | 5.1 |
| ONSIA FIDUCIAIRE Heist-op-den-Berg | €1.4m | €778,773 | 89.8% | 6.4 |
| Graef Essen | €1.0m | €772,653 | 83.7% | 5.6 |
| D.S.M. CONSULTING Lier | €2.0m | €940,722 | 43.6% | 5.2 |
| OPTIFISK bv nv Herentals | €1.2m | €593,199 | 61.0% | 6.8 |
| Karl De Coux Accountancy Heist-op-den-Berg | €1.9m | €824,379 | 44.7% | 5.2 |
| MALMENDIER & ASSOCIES Visé | €1.4m | €760,663 | 92.6% | 4.4 |
These companies have the same main activity as AC SERV - KMO OFFICE: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €981,000 and €2m, founded between 1999 and 2007.
Official details
Source: KBO- Status
- Active since 28-03-2001Normal situation
- Activity
- Certified accountants and tax accountantsNACE 69201and 1 other
- Establishment unit
- 2.181.931.2622240 Zandhoven, since 01-05-2007
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2023
Annual accounts 2025
- ≈ €1.4mestimated
- €1.4m▼ 17.5%
- Employeeson 31-12-2025
- 6▼ 14.3%
- Filing
- Filed on 27-07-2026, 4 days before the end of the filing period
Insights on AC SERV - KMO OFFICE
AC SERV - KMO OFFICE files the abbreviated format. That format states no turnover. The gross margin rose from €456,753 in 2007 to €792,790 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about AC SERV - KMO OFFICE
- What is the company number of AC SERV - KMO OFFICE?
- The company number of AC SERV - KMO OFFICE is 0474.385.527. The VAT number is the same number with BE in front: BE 0474.385.527.
- Where is AC SERV - KMO OFFICE based?
- The registered office is at Langestraat 190, 2240 Zandhoven.Company details
- What does AC SERV - KMO OFFICE do?
- According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
- What is the legal form of AC SERV - KMO OFFICE?
- AC SERV - KMO OFFICE is a private limited company (BV).
- When was AC SERV - KMO OFFICE founded?
- AC SERV - KMO OFFICE was founded on 28-03-2001.
- Is AC SERV - KMO OFFICE still active?
- Yes, AC SERV - KMO OFFICE is an active enterprise in the KBO register.
- How many employees does AC SERV - KMO OFFICE have?
- AC SERV - KMO OFFICE had an average of 5.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of AC SERV - KMO OFFICE?
- The turnover in financial year 2025 is ≈ €1.4m. This figure is estimated from the gross margin of €792,790 and 34 comparable companies (NACE 69201). It probably lies between €1.2m and €1.6m.
- Is AC SERV - KMO OFFICE profitable?
- In financial year 2025, AC SERV - KMO OFFICE made a profit of €232,291.
- Where can I find the annual accounts of AC SERV - KMO OFFICE?
- AC SERV - KMO OFFICE filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of AC SERV - KMO OFFICE due?
- AC SERV - KMO OFFICE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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