ACBI
ActiveSummary
ACBI has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €288,005 and a net result of €42,523. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 75% of 114 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability83▼-6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 4.71 against 4.85 in 2024; short-term debt: 20.3% and cash: 78.9% of total assets), and 20.3% of the assets are financed with debt.
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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 50
Relative position
BE, all sectors
reference
Water transport (NACE 50)
about 39% fewer bankruptcies
← 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
79.7%
Return on assets
11.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
24 d late
2023
31 d late
2022
1 d early
2021
4 d early
2020
2 d late
2019
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 11 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 41% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€288,005▲ 10.0%
2024 · €261,775
Total assets
€361,201▲ 11.1%
2024 · €324,989
Net result
€42,523▼ 18.4%
2024 · €52,130
Working capital
€271,630▲ 11.7%
2024 · €243,134
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€36,868€67,852▲ 84.0%€13,119▼ 80.7%€81,398▲ 520%€63,608▼ 21.9%
Net result€25,177▲ 54.5%€47,506▲ 88.7%€8,027▼ 83.1%€52,130▲ 549%€42,523▼ 18.4%
Equity€191,084▲ 3.2%€238,591▲ 24.9%€232,135▼ 2.7%€261,775▲ 12.8%€288,005▲ 10.0%
Total assets€228,038▲ 0.4%€276,923▲ 21.4%€267,591▼ 3.4%€324,989▲ 21.5%€361,201▲ 11.1%
Debt€36,954▼ 11.9%€38,332▲ 3.7%€35,455▼ 7.5%€63,213▲ 78.3%€73,196▲ 15.8%
Working capital€174,667▼ 13.0%€222,407▲ 27.3%€211,232▼ 5.0%€243,134▲ 15.1%€271,630▲ 11.7%
Staff (FTE)0.8▲ 33.3%1▲ 25.0%0.5▼ 50.0%0.5=0.5=
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €361,201
Fixed assets
€16,375 ▼ 12.2%
Current assets
€344,826 ▲ 12.6%
Equity and liabilities €361,201
Equity
€288,005 ▲ 10.0%
Debt
€73,196 ▲ 15.8%
Debt's share of the balance-sheet total rises from 19.5% to 20.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€72,545▼
2024 · €88,707
Cash flow
€51,460▼
2024 · €59,439
Current ratio
4.71▼
2024 · 4.85
Quick ratio
4.01▲
2024 · 2.98
Debt to equity
0.25▲
2024 · 0.24
ROE
14.8%▼
2024 · 19.9%
ROA
11.8%▼
2024 · 16.0%
Interest coverage
307.59▲
2024 · 244.22
Debt ≤ 1 year
€73,196▲
2024 · €63,213
Income taxes
€22,302▼
2024 · €29,007
Staff costs
€14,824▼
2024 · €16,511
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,324 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €707 | - |
| Remuneration, social security and pensions62 | €7,615 | €14,837 | €18,119 | €16,511 | €14,824 | ▼ 10.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,827 | €7,534 | €8,956 | €7,309 | €8,937 | ▲ 22.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€11,000 | -€40,000 | - | - | €9,252 | - |
| Other operating charges640/8 | €2,869 | €4,168 | €4,915 | €7,595 | €8,365 | ▲ 10.1% |
| Non-recurring operating charges66A | - | €1,000 | - | €252 | - | - |
| Gross operating margin9900 | €43,178 | €55,391 | €45,110 | €113,065 | €104,986 | ▼ 7.1% |
| Operating profit (loss)9901 | €36,868 | €67,852 | €13,119 | €81,398 | €63,608 | ▼ 21.9% |
| Financial income75/76B | €192 | - | €343 | €103 | €1,453 | ▲ 1,314% |
| Recurring financial income75 | €192 | - | €343 | €103 | €1,453 | ▲ 1,314% |
| Financial charges65/66B | €373 | €167 | €312 | €363 | €236 | ▼ 35.1% |
| Recurring financial charges65 | €373 | €167 | €312 | €363 | €236 | ▼ 35.1% |
| Profit (loss) for the period before taxes9903 | €36,687 | €67,685 | €13,151 | €81,137 | €64,825 | ▼ 20.1% |
| Income taxes67/77 | €11,510 | €20,179 | €5,124 | €29,007 | €22,302 | ▼ 23.1% |
| Profit (loss) for the period9904 | €25,177 | €47,506 | €8,027 | €52,130 | €42,523 | ▼ 18.4% |
| Profit (loss) for the period to be appropriated9905 | €25,177 | €47,506 | €8,027 | €52,130 | €42,523 | ▼ 18.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €228,038 | €276,923 | €267,591 | €324,989 | €361,201 | ▲ 11.1% |
| Fixed assets21/28 | €16,417 | €16,183 | €20,903 | €18,641 | €16,375 | ▼ 12.2% |
| Tangible fixed assets22/27 | €16,417 | €16,183 | €20,903 | €18,641 | €16,375 | ▼ 12.2% |
| Furniture and vehicles24 | €16,417 | €16,183 | €20,903 | €18,641 | €16,375 | ▼ 12.2% |
| Current assets29/58 | €211,621 | €260,740 | €246,687 | €306,348 | €344,826 | ▲ 12.6% |
| Stocks and contracts in progress3 | €55,193 | €30,620 | €87,894 | €117,911 | €51,428 | ▼ 56.4% |
| Stocks30/36 | €55,193 | €30,620 | €87,894 | €117,911 | €51,428 | ▼ 56.4% |
| Amounts receivable within one year40/41 | €4,909 | €1,198 | €4,255 | €18,395 | €8,311 | ▼ 54.8% |
| Trade receivables40 | €1,198 | €1,198 | €4,255 | €18,395 | €8,311 | ▼ 54.8% |
| Other amounts receivable41 | €3,711 | €0 | - | - | - | - |
| Cash at bank and in hand54/58 | €151,519 | €228,921 | €154,538 | €170,042 | €285,088 | ▲ 67.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €228,038 | €276,923 | €267,591 | €324,989 | €361,201 | ▲ 11.1% |
| Equity10/15 | €191,084 | €238,591 | €232,135 | €261,775 | €288,005 | ▲ 10.0% |
| Contributions10/11 | €6,500 | €6,500 | €6,500 | €6,500 | €6,500 | = |
| Reserves13 | €184,584 | €232,091 | €225,635 | €255,275 | €281,505 | ▲ 10.3% |
| Non-distributable reserves130/1 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Reserves not available under the articles1311 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Tax-exempt reserves132 | €4,500 | €4,500 | €4,500 | €4,500 | €4,500 | = |
| Distributable reserves133 | €178,184 | €225,691 | €219,235 | €248,875 | €275,105 | ▲ 10.5% |
| Amounts payable17/49 | €36,954 | €38,332 | €35,455 | €63,213 | €73,196 | ▲ 15.8% |
| Amounts payable after more than one year17 | €0 | - | - | - | - | - |
| Financial debts170/4 | €0 | - | - | - | - | - |
| Amounts payable within one year42/48 | €36,954 | €38,332 | €35,455 | €63,213 | €73,196 | ▲ 15.8% |
| Trade debts44 | €2,788 | €3,708 | €4,207 | €3,129 | €8,226 | ▲ 163% |
| Suppliers440/4 | €2,788 | €3,708 | €4,207 | €3,129 | €8,226 | ▲ 163% |
| Taxes, remuneration and social security45 | €14,885 | €24,117 | €9,035 | €32,625 | €42,300 | ▲ 29.7% |
| Taxes450/3 | €12,281 | €22,325 | €9,035 | €32,625 | €40,371 | ▲ 23.7% |
| Remuneration and social security454/9 | €2,603 | €1,791 | - | - | €1,929 | - |
| Other amounts payable47/48 | €19,282 | €10,508 | €22,214 | €27,460 | €22,670 | ▼ 17.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,177 | €47,506 | €8,027 | €52,130 | €42,523 | ▼ 18.4% |
| + Depreciation and write-downs630 | €6,827 | €7,534 | €8,956 | €7,309 | €8,937 | ▲ 22.3% |
| Operating cash flow (approximation) | €32,003 | €55,040 | €16,983 | €59,439 | €51,460 | ▼ 13.4% |
| Investment in fixed assets (approximation) | - | -€7,300 | -€13,676 | -€5,047 | -€6,671 | ▼ 32.2% |
| Change in cash | - | €77,403 | -€74,383 | €15,504 | €115,046 | ▲ 642% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
31-12
Financial
Highest result since 2018net €52,130 ▲549%
Operating result €81,398, net result €52,130, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €8,027 ▼83.1%
Net result drops to €8,027, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-12
Financial
Equity above €200,000Eq €238,591 ▲24.9%
5 profitable years in a row build equity to €238,591.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-12
Financial
Equity above €150,000Eq €168,896 ▲15.4%
2 profitable years in a row build equity to €168,896.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Brecht · 1 establishment unit since 2001
Ground area
1.1 ha
Building footprint
75 m²
Volume, LiDAR
493 m³
2 parcels, Flanders · tallest building 8.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ACBI
since 20012.101.385.135
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11043D0760/05G000 | Flanders | 1.1 ha | 1 · 20 m² | 2.2 m · 1 fl. |
| 11014H0488/00T000 | Flanders | 209 m² | 1 · 55 m² | 8.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,337 companies in sector 50400 we hold annual accounts for 394. 322 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-05-2001
Fiscal year end31-12
Activities, NACEBEL 2025
50400Inland freight water transport
52250Logistics services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0474845187
Registered
23-09-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.