ACCES CIBLE
ActiveSummary
ACCES CIBLE has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €177k and a net result of €-73k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 66% of 2053 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-62
Solvency88▼-12
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.11 against 0.42 in 2024; short-term debt: 37.1% and cash: 3.3% of total assets), and 37.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 85
Relative position
BE, all sectors
reference
Sector 85
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-73k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
2 d early
2023
19 d late
2022
3 d early
2021
5 d early
2020
3 d early
2019
49 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€177k▼ 29.3%
2024 · €251k
2018: €42k
2019: €191k
2020: €167k
2021: €172k
2022: €246k
2023: €267k
2024: €251k
2018 → 2025
Total assets
€282k▼ 10.4%
2024 · €315k
2018: €57k
2019: €195k
2020: €173k
2021: €402k
2022: €346k
2023: €340k
2024: €315k
2018 → 2025
Net result
€-73k▼ 348%
2024 · €-16k
2018: €46k
2019: €149k
2020: €-24k
2021: €5k
2022: €74k
2023: €21k
2024: €-16k
2018 → 2025
Working capital
€-93k▼ 149%
2024 · €-37k
2018: €7k
2019: €157k
2020: €129k
2021: €-177k
2022: €-78k
2023: €-39k
2024: €-37k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€172k-€246k▲ 43.0%€267k▲ 8.4%€251k▼ 6.1%€177k▼ 29.3%
Operating result€39k-€78k▲ 97.7%€39k▼ 50.2%€2k▼ 95.3%€-62k
Net result€5k-€74k▲ 1,307%€21k▼ 72.1%€-16k€-73k▼ 348%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €62k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €282k
Fixed assets
€271k ▼ 6.0%
Current assets
€11k ▼ 57.9%
Equity and liabilities €282k
Equity
€177k ▼ 29.3%
Debt
€105k ▲ 63.0%
Debt's share of the balance-sheet total rises from 20.4% to 37.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-45k▼
2024 · €22k
Cash flow
€-56k▼
2024 · €4k
Current ratio
0.11▼
2024 · 0.42
Debt to equity
0.59▲
2024 · 0.26
ROE
-41.4%▼
2024 · -6.5%
ROA
-26.0%▼
2024 · -5.2%
Interest coverage
-134.25▼
2024 · 31.22
Debt ≤ 1 year
€105k▲
2024 · €64k
Income taxes
€11k▼
2024 · €20k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€315k€282k▼
Fixed assets21/28€288k€271k▼
Tangible fixed assets22/27€262k€245k▼
Land and buildings22€245k€238k▼
Plant, machinery and equipment23€10k€4k▼
Furniture and vehicles24€7k€3k▼
Financial fixed assets28€26k€26k=
Current assets29/58€27k€11k▼
Amounts receivable within one year40/41€11k€2k▼
Trade receivables40€11k-
Other amounts receivable41-€2k
Cash at bank and in hand54/58€16k€9k▼
Equity and liabilities
Total equity and liabilities10/49€315k€282k▼
Equity10/15€251k€177k▼
Contributions10/11€25k€25k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€223k€150k▼
Amounts payable17/49€64k€105k▲
Amounts payable within one year42/48€64k€105k▲
Trade debts44€39k€81k▲
Suppliers440/4€39k€81k▲
Taxes, remuneration and social security45€18k-
Taxes450/3€8k-
Remuneration and social security454/9€10k-
Other amounts payable47/48€7k€23k▲
Income statement
Code20242025
Remuneration, social security and pensions62€49k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€17k▼
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€69€100▲
Gross operating margin9900€75k€-42k▼
Operating profit (loss)9901€2k€-62k▼
Financial income75/76B€3k-
Recurring financial income75€3k-
Financial charges65/66B€704€335▼
Recurring financial charges65€704€335▼
Profit (loss) for the period before taxes9903€4k€-63k▼
Income taxes67/77€20k€11k▼
Profit (loss) for the period9904€-16k€-73k▼
Profit (loss) for the period to be appropriated9905€-16k€-73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€223k€150k▼
Profit (loss) brought forward from the previous period14P€239k€223k▼
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-73k
Net result drops to €-73k, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €246k ▲43%
2 profitable years in a row build equity to €246k.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €149k ▲224%
Operating result €147k, net result €149k, both a record.
31-12
Financial
Liquidity times 27current ratio 39.62
Current ratio from 1.45 to 39.62; short-term debt falls from €15k to €4k.
Show earlier events
31-12
Financial
Equity above €150kEq €191k ▲358%
2 profitable years in a row build equity to €191k.
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 11 acts read
About the unread acts
We know of 11 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
11 acts for this company are 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, Vorst · 1 establishment unit since 2014
Ground area
1.4 ha
Building footprint
1,197 m²
Volume, LiDAR
6,267 m³
Parcel 21382C0272/00T000, Brussels · tallest building 10.9 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Permisenpoche
since 20142.229.881.629
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21382C0272/00T000 | Brussels | 1.4 ha | 1 · 1,197 m² | 10.9 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.
Similar companies · same sector, comparable size
BeCode
BE 0664.802.168
Brussel · Eq €177,416
CompanyWise
BE 0508.650.875
Olen · Eq €178,085
ARTSDENTAL
BE 0687.694.663
Tervuren · Eq €175,130
Van Steen Verwarming & Sanitair
BE 0421.421.745
Hamme (Vl.) · Eq €175,037
MARIGNY
BE 0897.146.367
Waterloo · Eq €174,653
Of 11,670 companies in sector 85599 we hold annual accounts for 1,330. 979 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded21-12-2004
Fiscal year end31-12
Activities, NACEBEL 2025
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.