Active BE 0753.667.729Private limited company

ACC-RAFFAELI

Chemin Basse-Franchise 15 ·1430 Rebecq, Belgium· 5 yrs active

Sector: Activiteiten van verzekeringsagenten en -makelaars (66220)

Conclusion Checked

ACC-RAFFAELI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2021 annual accounts show equity of €18k and a net result of €16k. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Key figures

Equity	€18k
Net result	€16k
Active	5 yrs
Locations	1

Snowflake analysis 3 of 5 axes measured · computed by Checked

93 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 100

Growth -

Stability 79

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview5 NBB filings

Annual accounts filed on 05-01-2026 with the NBB · fiscal year 2025 · micro

Highlight YoY changes (±10%)

Fiscal year	2021
Deposit	micro
Revenue	n/a
EBITDA	n/a
Net profit	€16k
Cash flow	n/a
Staff costs	-
Income taxes	€4k
Dividends	-
Total assets	€25k
Equity	€18k
Debt	€7k
of which ≤ 1y	€6k
of which > 1y	-
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2021
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	70.5%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	62.6%
ROE	88.7%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2021

Assets

Fixed assets €1k · 5.5% Current assets €24k · 94.5%

Equity & liabilities

Equity €18k · 70.5% Debt €7k · 29.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€25k
Fixed assets	21/28	€1k
Tangible fixed assets	22/27	€1k
Current assets	29/58	€24k
Amounts receivable within one year	40/41	€11k
Cash & bank	54/58	€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€25k
Equity	10/15	€18k
Accumulated profits (losses)	14	€16k
Amounts payable	17/49	€7k
Amounts payable within one year	42/48	€6k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€21k
Operating result	9901	€20k
Financial income	75	€1
Financial charges	65	€5
Result before taxes	9903	€20k
Income taxes	67/77	€4k
Net result for the period	9904	€16k
Result to be appropriated	9905	€16k

Ratios computed by Checked.

Legal Structure

NACE primary	Activiteiten van verzekeringsagenten en -makelaars(66220)
Legal form	Private limited company(610)
Incorporation	03-09-2020
Status	Active
Postal code	1430

Establishment units 1 location

ACC-RAFFAELI

Chemin Basse-Franchise 15, 1430 RebecqOverige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen

since 20202.306.968.915

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

05-01-2026