ACCO ESTATES
ActiveACCO ESTATES has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k and a net result of €-1k. Equity is shrinking by ~28.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 20% of 13905 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
20
/ 100
Critical▼ -28 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency0▼-1
Growth32=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.04 against 0.05 in 2024), and 99.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
0.2%
Return on assets
-0.2%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 13905 sector peers (2025).
NBB · sector comparisonPosition among 13905 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
36 d early
2023
64 d early
2022
180 d early
2021
54 d early
2020
64 d early
2019
28 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k▼ 49.1%
2024 · €2k
2018: €97k
2019: €82k
2020: €79k
2021: €61k
2022: €35k
2023: €45k
2024: €2k
2018 → 2025
Total assets
€497k▲ 271%
2024 · €134k
2018: €422k
2019: €392k
2020: €250k
2021: €268k
2022: €194k
2023: €190k
2024: €134k
2018 → 2025
Net result
€-1k
2024 · €37k
2018: €147k
2019: €603k
2020: €4k
2021: €984
2022: €14k
2023: €10k
2024: €37k
2018 → 2025
Working capital
€-46k▲ 39.1%
2024 · €-76k
2018: €16k
2019: €1k
2020: €-21k
2021: €-45k
2022: €-51k
2023: €-39k
2024: €-76k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€35k▼ 42.3%€45k▲ 29.0%€2k▼ 95.3%€1k▼ 49.1%
Operating result€17k-€28k▲ 62.6%€26k▼ 7.1%€54k▲ 109%€7k▼ 87.1%
Net result€984-€14k▲ 1,337%€10k▼ 27.9%€37k▲ 260%€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 87% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €497k
Fixed assets
€495k▲ 282%
Current assets
€2k▼ 54.8%
Equity and liabilities €497k
Equity
€1k▼ 49.1%
Debt
€496k▲ 276%
The debt ratio rises from 98.4% to 99.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€63k▼
2024 · €83k
Cash flow
€55k▼
2024 · €65k
Solvency
0.2%▼
2024 · 1.6%
Current ratio
0.04▼
2024 · 0.05
Quick ratio
0.04▼
2024 · 0.05
ROE
-96.3%
ROA
-0.2%▼
2024 · 27.4%
Interest coverage
7.54▼
2024 · 55.45
Debt
€496k▲
2024 · €132k
Debt ≤ 1 year
€48k▼
2024 · €80k
Debt > 1 year
€448k▲
2024 · €51k
Income taxes
€-257▼
2024 · €16k
Staff costs
€0▼
2024 · €91k
A ratio outside any meaningful range has been withheld (balance sheet total €497k, equity €1k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€134k€497k▲
Fixed assets21/28€130k€495k▲
Tangible fixed assets22/27€130k€495k▲
Land and buildings22-€495k
Plant, machinery and equipment23€3k€0▼
Furniture and vehicles24€13k€0▼
Other tangible fixed assets26€114k€0▼
Current assets29/58€4k€2k▼
Cash at bank and in hand54/58€4k€2k▼
Deferred charges and accrued income490/1€143-
Equity and liabilities
Total equity and liabilities10/49€134k€497k▲
Equity10/15€2k€1k▼
Contributions10/11€100€100=
Profit (loss) carried forward14€2k€981▼
Amounts payable17/49€132k€496k▲
Amounts payable after more than one year17€51k€448k▲
Financial debts170/4€51k€348k▲
Other amounts payable178/9-€100k
Amounts payable within one year42/48€80k€48k▼
Current portion of amounts payable after more than one year42€19k€43k▲
Taxes, remuneration and social security45€1k-
Taxes450/3€1k-
Other amounts payable47/48€60k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€91k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€56k▲
Other operating charges640/8€3k€904▼
Gross operating margin9900€176k€64k▼
Operating profit (loss)9901€54k€7k▼
Financial income75/76B-€36
Recurring financial income75-€36
Financial charges65/66B€1k€8k▲
Recurring financial charges65€1k€8k▲
Profit (loss) for the period before taxes9903€53k€-1k▼
Income taxes67/77€16k€-257▼
Profit (loss) for the period9904€37k€-1k▼
Profit (loss) for the period to be appropriated9905€37k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€37k€981▼
Profit (loss) brought forward from the previous period14P€323€2k▲
Transfer from equity791/2€45k€0▼
Profit to be distributed694/7€80k-
Return on contributions (dividend)694€80k-
The notes to these accounts (8 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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-1k ▼103%
Net result drops to €-1k, the lowest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €603k ▲312%
Operating result €611k, net result €603k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Temse · 1 establishment unit since 2000
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Wilfordkaai 379140 TemseGround area
219 m²
Building footprint
207 m²
Volume, LiDAR
3,067 m³
Parcel 46302D0729/02D005, Flanders · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
PROBUFISC
since 20002.185.056.939
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46302D0729/02D005 | Flanders | 219 m² | 1 · 207 m² | 18.8 m · 5 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 1,179 EUR awarded · 1,179 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 282 EUR | 282 EUR |
| 2023 | 1 | 897 EUR | 897 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Duffel · Eq €1k
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Hamme (Vl.) · Eq €1k
Of 9,094 companies in sector 68201 we hold annual accounts for 6,725. 377 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-10-2000
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.