Losses
-€11,616 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
ACCES DIRECT
Lifetime
20 annual accounts with figures on one time axis, 33 filings since 1993peak €104,366 (2014)
€18,603▲ 7.5%
lowest -€6,299 (2025)
-€6,299▼ €981
peak €128,090 (2023)
€116,474▼ 5.1%
€1.0m▲ 132×
peak 1 FTE (2006)
-not published
Board2 names since 2011
2 directorsDIRVEN Paula and 1 other
Documentsfilings and deeds
20-08-202620 days late
2025abbreviated format
Loss of €6,299Debts from €7,593 to €1.0mInvestments €1.0mCash from €31,082 to €14,173
Key points
from the 2025 annual accountsTurnover
≈ €120,000 estimated
The accounts state no turnover.
Debts
€1.0m 90% of the balance sheet
Financial debts 100%Suppliers 0%Taxes and wages 0%
Of this, €2,658 falls due within a year.
Liquidity
20.04 was 7.21 in 2024
Short-term debts fell from €7,593 to €2,658.
Filings
33 annual accounts since 1993
Six of the last ten came late. The 2025 accounts came latest: 20 days after the end of the period.
Position in the sector
10.4%
Lower solvency than 81% of companies in wholesale trade. Sector median 42.9% · 9,902 companies.
Checked score
88
Excellent
Financially stronger than 40% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,888 companies (NACE 46, micro).
About 2 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: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.3%▲ +0.1 percentage points vs 07-2025highest value
09-2025: < 0.1%▼ -0.3 percentage points vs 08-2025lowest value
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%▲ +0.1 percentage points 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 07-2026
09-2026: 0.2%▲ +0.1 percentage points vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Equity €116,474 (10.4% of total assets)
Sector: Wholesale trade (NACE 46)
lowers risk
Size: total assets €1.1m
Founded in 1992
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 46, micro). It does better than 24% of them on solvency, 56% on liquidity, 50% on profitability and 31% on growth.
The bankruptcy probability was computed on 08-11-2026 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).
Credit verdict
Credit of up to €10,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 20.04 (7.21 in 2024), above the usual 1.5. Short-term debt is 0.2% and cash 1.3% of total assets. However, 89.6% 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
Seven signals.
lowers riskraises risk
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 -€6,299
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 9902 sector peers (2025).
NBB · sector comparisonPosition among 9902 sector peers
Solvency
better than 18%
← weakest
strongest →
raises risk · 2025 accounts filed 20 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
20 days late
2024
7 days late
2023
8 days late
2022
on the day
2021
2 days late
2020
24 days early
2019
7 days late
← 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 3 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% 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 7 August (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
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0448435948
Appointment: Pierre RION (sole director)
General meeting of 13-11-2023 · Gazette deed
Reappointments: Pierre Rion (managing director) and DIRVEN Paula (director)
General meeting of 13-06-2022 · Gazette deed
First establishment
Sentier du Chafor 3, Gembloux
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ACCES DIRECT Gembloux | €1.1m | €18,603 | 10.4% | - |
| BUSINESS MANAGEMENT CONSULTING Ixelles | €1.2m | €16,280 | 28.6% | - |
| BELGOS Waasmunster | €1.0m | €20,210 | 31.3% | - |
| UEWENBERG Lokeren | €1.2m | €14,643 | 82.0% | 0 |
| STEEBEL Harelbeke | €0.9m | €16,184 | 65.1% | - |
| TRUSTONUS Mol | €0.9m | €23,921 | 12.5% | - |
| BC Sunprotection Malle | €0.8m | €23,685 | 80.3% | 0.8 |
These companies have the same main activity as ACCES DIRECT: agents in non-specialised wholesale trade (NACE 46190). They are comparable in size and age: total assets between €793,000 and €1.2m, founded between 1988 and 1998.
Official details
Source: KBO- Status
- Active since 20-10-1992Normal situation
- Activity
- Agents in non-specialised wholesale tradeNACE 46190and 1 other
- Establishment unit
- 2.059.412.2455030 Gembloux, since 02-11-1992
- Financial year end
- 31 December
- Peppol
- Reachable since 28-06-2025
Insights on ACCES DIRECT
ACCES DIRECT files the abbreviated format. That format states no turnover. The gross margin fell from €55,013 in 2006 to €18,603 in 2025.
In August 2022, the Official Gazette published the appointment of Pierre RION as managing director.
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 ACCES DIRECT
- What is the company number of ACCES DIRECT?
- The company number of ACCES DIRECT is 0448.435.948. The VAT number is the same number with BE in front: BE 0448.435.948.
- Where is ACCES DIRECT based?
- The registered office is at Sentier du Chafor 3, 5030 Gembloux.Company details
- What does ACCES DIRECT do?
- According to the KBO register, the main activity is agents in non-specialised wholesale trade (NACE 46190).
- What is the legal form of ACCES DIRECT?
- ACCES DIRECT is a public limited company (NV).
- When was ACCES DIRECT founded?
- ACCES DIRECT was founded on 20-10-1992.
- Is ACCES DIRECT still active?
- Yes, ACCES DIRECT is an active enterprise in the KBO register.
- How many employees does ACCES DIRECT have?
- ACCES DIRECT had an average of 0.2 full-time equivalents in financial year 2018, according to the filed annual accounts.Financials
- What is the turnover of ACCES DIRECT?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €18,603 and 37 comparable companies (NACE 46190). It probably lies between €70,000 and €260,000. It is a rough estimate.
- Is ACCES DIRECT profitable?
- In financial year 2025, ACCES DIRECT made a loss of €6,299.
- Where can I find the annual accounts of ACCES DIRECT?
- ACCES DIRECT filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ACCES DIRECT due?
- ACCES DIRECT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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