Equity
€192,892 ▲ 464%
Equity rose in 2026 from €34,196 to €192,892.
ACCESS ESTATE
Lifetime
6 annual accounts with figures on one time axispeak €220,483 (2026)
€220,483▲ 92.6%
lowest -€93,887 (2025)
€158,696▲ €252,582
peak €192,892 (2026)
€192,892▲ 464%
€270,391▼ 20.6%
peak 2.6 FTE (2023)
1.3 FTE▼ 13.3%
Board2 names since 2018
2 directorsAEC-PROJECTS and 1 other
Documentsfilings and deeds
29-09-202632 days before the deadline
2026abbreviated format
Gross margin from €114,461 to €220,483Back to profit: €158,696Staff from 1.5 FTE to 1.3 FTEMerger proposal: ACCESS ESTATE takes over AEC-PROJECTS 30-10Equity from €34,196 to €192,892Debts from €340,598 to €270,391
Key points
from the 2026 annual accountsTurnover
≈ €380,000 estimated
The accounts state no turnover.
Staff
2 employees on 31-03-2026
In 2026, 4 people joined and 4 left.
Liquidity
1.17 was 0.67 in 2025
Short-term debts fell from €331,515 to €265,240.
Filings
6 annual accounts since 2019
The last five annual accounts were filed 8 to 32 days before the end of the period.
Position in the sector
€158,696
Higher net result than 85% of companies in real estate. Sector median €14,866 · 403 companies.
Checked score
87
Excellent
Financially stronger than 68% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%
01-2025: 1.0%▲ +0.3 percentage points vs 12-2024
02-2025: 1.3%▲ +0.3 percentage points vs 01-2025
03-2025: 2.4%▲ +1.1 percentage points vs 02-2025
04-2025: 2.4%● unchanged vs 03-2025
05-2025: 2.7%▲ +0.3 percentage points vs 04-2025
06-2025: 3.4%▲ +0.7 percentage points vs 05-2025
07-2025: 3.4%● unchanged vs 06-2025
08-2025: 3.5%▲ +0.1 percentage points vs 07-2025highest value
09-2025: 3.1%▼ -0.4 percentage points vs 08-2025
10-2025: 3.1%● unchanged vs 09-2025
11-2025: 1.8%▼ -1.3 percentage points vs 10-2025
12-2025: 1.8%● unchanged vs 11-2025
01-2026: 2.1%▲ +0.3 percentage points vs 12-2025
02-2026: 2.1%● unchanged vs 01-2026
03-2026: 2.1%● unchanged vs 02-2026
04-2026: 2.1%● unchanged vs 03-2026
05-2026: 2.1%● unchanged vs 04-2026
06-2026: 2.1%● unchanged vs 05-2026
07-2026: 2.0%▼ -0.1 percentage points vs 06-2026
08-2026: 2.0%● unchanged vs 07-2026
09-2026: 1.9%▼ -0.1 percentage points vs 08-2026
10-2026: 0.3%▼ -1.6 percentage points vs 09-2026lowest value
11-2026: 0.3%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 1.17, cash €19,679
lowers risk
Sector: Real estate activities (NACE 68)
Figures for financial year 2026 (filed on 07-10-2026)
Equity €192,892 (41.6% of total assets)
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 68, micro). It does better than 58% of them on solvency, 20% on liquidity, 95% on profitability and 98% 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 31-03-2026.
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, 26,972 companies had the same profile as ACCESS ESTATE has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ACCESS ESTATE itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,447 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 26,972 companies, not a prediction for ACCESS ESTATE. 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 €16,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.17 (0.67 in 2025), below the usual 1.5. Short-term debt is 57.3% and cash 4.2% of total assets. 58.4% 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
Six signals.
lowers riskraises riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2025. These amounts do not establish the cause of the change.
NBB · annual accounts 2026Equity per financial year
192122232526
2019 to 2026 · latest year €192,892
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 29-09-2026, 32 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2026
32 days early
2025
30 days early
2023
17 days early
2022
8 days early
2021
10 days early
2019
39 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 23 days before the deadline. In the sector (NACE 68), the median for financial year 2023 was 5 days before the deadline, and 38% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-03-2027 year end31-10-2027 deadline
Board and ownership
- Annick Coppens 625 sharesdeed of 30-10-2026
- Olivier Morobé 625 sharesdeed of 30-10-2026
Shares in 1 company, AEC-PROJECTS
Board & ownershipRecent changes
Merger proposal: ACCESS ESTATE takes over AEC-PROJECTS
Permanent representatives: Annick Coppens and Olivier Morobé · Annick Coppens holds 625 shares · Olivier Morobé holds 625 shares · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0696812960
Capital contribution of €116,729
Transfer of 10 shares from Annick Coppens to ACCESS ESTATE · Transfer of 10 shares from Olivier Morobé to ACCESS ESTATE · General meeting of 27-03-2025 · Gazette deed
New establishment in Wetteren
Florimond Leirensstraat 12A
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ACCESS ESTATE Ghent | €463,283 | €220,483 | 41.6% | 1.3 |
| HESTOR Aalst | €716,343 | €200,625 | 3.4% | 1.6 |
| De Makelaardij Mechelen | €457,247 | €152,526 | 4.1% | 1.4 |
| De Boer en Partners Schilde II Brasschaat | €377,527 | €267,207 | 70.9% | 1 |
| IMO Vastgoed Keerbergen Keerbergen | €373,089 | €177,388 | -40.4% | 1 |
| Allure Real Estate Kalmthout | €457,717 | €266,415 | 56.5% | 1.9 |
| De Boer & Partners Keerbergen Brasschaat | €383,467 | €223,276 | 60.2% | 1.6 |
These companies have the same main activity as ACCESS ESTATE: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €373,000 and €716,000, founded between 2015 and 2019.
Official details
Source: KBO- Status
- Active since 28-05-2018Normal situation
- Activity
- Real estate agency activitiesNACE 68310and 3 others
- Joint committee
- 323Building management, estate agents and domestic staff · annual accounts 31-03-2026
- Establishment units
- 2.276.215.5599000 Ghent, since 28-05-2018
- 2.388.120.9949230 Wetteren, since 15-10-2024
- Financial year end
- 31 March
- Peppol
- Reachable since 18-11-2025
Annual accounts to 31-03-2026
- €463,283▲ 23.6%
- Employeeson 31-03-2026
- 2=
- Filing
- Filed on 29-09-2026, 32 days before the end of the filing period
Insights on ACCESS ESTATE
ACCESS ESTATE files the abbreviated format. That format states no turnover. The gross margin rose from €35,146 in 2019 to €220,483 in 2026.
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 ACCESS ESTATE
- What is the company number of ACCESS ESTATE?
- The company number of ACCESS ESTATE is 0696.812.960. The VAT number is the same number with BE in front: BE 0696.812.960.
- Where is ACCESS ESTATE based?
- The registered office is at Laurent Delvauxstraat 1, 9000 Ghent.Company details
- What does ACCESS ESTATE do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of ACCESS ESTATE?
- ACCESS ESTATE is a private limited company (BV).
- When was ACCESS ESTATE founded?
- ACCESS ESTATE was founded on 28-05-2018.
- Is ACCESS ESTATE still active?
- Yes, ACCESS ESTATE is an active enterprise in the KBO register.
- How many employees does ACCESS ESTATE have?
- ACCESS ESTATE had an average of 1.3 full-time equivalents in financial year 2026, according to the filed annual accounts.Financials
- Which joint committee does ACCESS ESTATE fall under?
- In its 31-03-2026 annual accounts, ACCESS ESTATE states joint committee 323 (Building management, estate agents and domestic staff).
- What is the turnover of ACCESS ESTATE?
- The turnover in financial year 2026 is ≈ €380,000. This figure is estimated from the gross margin of €220,483 and 32 comparable companies (NACE 68310). It probably lies between €310,000 and €590,000.
- Is ACCESS ESTATE profitable?
- In financial year 2026, ACCESS ESTATE made a profit of €158,696.
- Where can I find the annual accounts of ACCESS ESTATE?
- ACCESS ESTATE filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of ACCESS ESTATE due?
- ACCESS ESTATE must file the annual accounts for financial year 2027 by 31-10-2027.Timeline
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