Summary
ACCIP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €147,381 and a net result of €102,217. Equity is growing by ~28.6% per year across the filed fiscal years. Its solvency ranks better than 69% of 2451 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 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 · 5 filingsDeviation from the deadline
2025
40 d late
2024
41 d late
2023
30 d late
2022
60 d late
2021
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 40 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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
€147,381▲ 226%
2024 · €45,165
Net result
€102,217
2024 · -€22,080
Total assets
€208,662▲ 73.5%
2024 · €120,274
Solvency
70.6%▲ 33.1pp
2024 · 37.6%
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
Turnover€93,809-€152,271▲ 62.3%€199,210▲ 30.8%€159,519▼ 19.9%€263,106▲ 64.9%
Operating result€58,020-€30,465▼ 47.5%€8,583▼ 71.8%-€14,458€110,767
Net result€42,983-€20,627▼ 52.0%€3,634▼ 82.4%-€22,080€102,217
Equity€42,983-€63,610▲ 48.0%€67,244▲ 5.7%€45,165▼ 32.8%€147,381▲ 226%
Total assets€101,849-€122,647▲ 20.4%€112,393▼ 8.4%€120,274▲ 7.0%€208,662▲ 73.5%
Debt€58,866-€59,037▲ 0.3%€45,149▼ 23.5%€75,110▲ 66.4%€61,281▼ 18.4%
Working capital€40,941-€60,591▲ 48.0%€63,969▲ 5.6%€92,198▲ 44.1%€190,504▲ 107%
Solvency42.2%-51.9%▲ 9.7pp59.8%▲ 8.0pp37.6%▼ 22.3pp70.6%▲ 33.1pp
Staff (FTE)2
Turnover and EBIT margin not published: the micro schema does not require them.
Why a figure moved sharply
- 2025 Turnover +65%, Equity +226% on 2024. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €110,767 after a loss of €14,458 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €208,662
Equity
€147,381 ▲ 226%
Debt
€61,281 ▼ 18.4%
Debt's share of the balance-sheet total falls from 62.4% to 29.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
69.4%▲
2024 · -48.9%
ROA
49.0%▲
2024 · -18.4%
Debt ≤ 1 year
€18,158▼
2024 · €20,891
Debt > 1 year
€43,123▼
2024 · €54,218
Income taxes
€2,722▼
2024 · €3,558
Staff costs
€55,587
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €93,809 | €152,271 | €199,210 | €159,519 | €263,106 | ▲ 64.9% |
| Goods, raw materials, services and sundry goods60/61 | €19,622 | €114,667 | €183,707 | €167,458 | €88,754 | ▼ 47.0% |
| Remuneration, social security and pensions62 | - | €225 | €0 | - | €55,587 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,443 | €9,955 | €9,861 | €9,580 | €7,185 | ▼ 25.0% |
| Other operating charges640/8 | €3,723 | €1,571 | €1,671 | €1,396 | €814 | ▼ 41.7% |
| Gross operating margin9900 | €74,187 | €42,216 | €20,115 | -€3,482 | €174,353 | ▲ 5,108% |
| Operating profit (loss)9901 | €58,020 | €30,465 | €8,583 | -€14,458 | €110,767 | ▲ 866% |
| Financial income75/76B | - | - | €11 | €7 | €60 | ▲ 770% |
| Recurring financial income75 | - | - | €11 | €7 | €60 | ▲ 770% |
| Financial charges65/66B | €710 | €1,209 | €841 | €4,071 | €5,889 | ▲ 44.7% |
| Recurring financial charges65 | €710 | €1,209 | €841 | €4,071 | €5,889 | ▲ 44.7% |
| Profit (loss) for the period before taxes9903 | €57,311 | €29,257 | €7,753 | -€18,522 | €104,938 | ▲ 667% |
| Income taxes67/77 | €14,328 | €8,630 | €4,119 | €3,558 | €2,722 | ▼ 23.5% |
| Profit (loss) for the period9904 | €42,983 | €20,627 | €3,634 | -€22,080 | €102,217 | ▲ 563% |
| Profit (loss) for the period to be appropriated9905 | €42,983 | €20,627 | €3,634 | -€22,080 | €102,217 | ▲ 563% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €101,849 | €122,647 | €112,393 | €120,274 | €208,662 | ▲ 73.5% |
| Fixed assets21/28 | €36,581 | €26,626 | €16,765 | €7,185 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €36,581 | €26,626 | €16,765 | €7,185 | €0 | ▼ 100% |
| Furniture and vehicles24 | €36,581 | €26,626 | €16,765 | €7,185 | €0 | ▼ 100% |
| Current assets29/58 | €65,268 | €96,021 | €95,628 | €113,089 | €208,662 | ▲ 84.5% |
| Amounts receivable within one year40/41 | €42,912 | €93,958 | €94,696 | €106,570 | €201,600 | ▲ 89.2% |
| Trade receivables40 | €7,282 | €4,862 | €4,672 | €2,831 | €23,179 | ▲ 719% |
| Other amounts receivable41 | €35,631 | €89,096 | €90,024 | €103,739 | €178,421 | ▲ 72.0% |
| Cash at bank and in hand54/58 | €20,323 | €845 | €325 | €6,314 | €6,314 | = |
| Deferred charges and accrued income490/1 | €2,033 | €1,218 | €607 | €205 | €748 | ▲ 265% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €101,849 | €122,647 | €112,393 | €120,274 | €208,662 | ▲ 73.5% |
| Equity10/15 | €42,983 | €63,610 | €67,244 | €45,165 | €147,381 | ▲ 226% |
| Profit (loss) carried forward14 | €42,983 | €63,610 | €67,244 | €45,165 | €147,381 | ▲ 226% |
| Amounts payable17/49 | €58,866 | €59,037 | €45,149 | €75,110 | €61,281 | ▼ 18.4% |
| Amounts payable after more than one year17 | €34,539 | €23,607 | €13,490 | €54,218 | €43,123 | ▼ 20.5% |
| Financial debts170/4 | €34,539 | €23,607 | €13,490 | €54,218 | €43,123 | ▼ 20.5% |
| Amounts payable within one year42/48 | €24,327 | €35,430 | €31,659 | €20,891 | €18,158 | ▼ 13.1% |
| Current portion of amounts payable after more than one year42 | €9,303 | €10,117 | €10,117 | €16,220 | €7,253 | ▼ 55.3% |
| Trade debts44 | - | €2,355 | €12,912 | €4,671 | - | - |
| Suppliers440/4 | - | €2,355 | €12,912 | €4,671 | - | - |
| Taxes, remuneration and social security45 | €14,328 | €22,957 | €8,630 | - | €10,905 | - |
| Taxes450/3 | €14,328 | €22,957 | €8,630 | - | €350 | - |
| Remuneration and social security454/9 | - | - | - | - | €10,555 | - |
| Other amounts payable47/48 | €696 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €42,983 | €20,627 | €3,634 | -€22,080 | €102,217 | ▲ 563% |
| + Depreciation and write-downs630 | €12,443 | €9,955 | €9,861 | €9,580 | €7,185 | ▼ 25.0% |
| Operating cash flow (approximation) | €55,426 | €30,582 | €13,495 | -€12,500 | €109,402 | ▲ 975% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€19,478 | -€520 | €5,990 | €0 | ▼ 100% |
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
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 40 days late
2025
31-12
Financial
Back to profitnet €102,217
Net result €102,217 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 11.49
Current ratio from 5.41 to 11.49; short-term debt falls from €20,891 to €18,158.
31-12
Financial
Equity above €100,000Eq €147,381 ▲226%
Equity rises from €45,165 to €147,381.
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 41 days late
2024
31-12
Financial
Weakest financial yearnet -€22,080
Net result drops to -€22,080, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
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, La Louvière · 1 establishment unit since 2020
Ground area
59 m²
Building footprint
82 m²
Parcel 55372C0058/00F009, Wallonia. Linked by address, not a title deed.
1 establishment unit
ACCIP
since 20202.313.256.196
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55372C0058/00F009 | Wallonia | 59 m² | 1 · 82 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 2,813 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
Founded28-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
E-mail
davidebuttice@hotmail.comLa Louvière
Phone
064/226626La Louvière
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.