Equity
ACCOBIE paid out €37,500 in dividends. That is 143% of the 2025 profit.
ACCOBIE paid out €37,500 in dividends. That is 143% of the 2025 profit.
The micro format states no turnover.
Debts rose by €59,534 in 2025. A dividend stands under other debts on the balance sheet date until it is paid.
Green is investment, beige is depreciation.
Short-term debts rose from €39,946 to €69,978.
The last five annual accounts were filed 2 to 77 days before the end of the period.
The dashed line is the sector median: < 0.1% across 20,107 companies (NACE 69, micro).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 69, micro). It does better than 26% of them on solvency, 62% on liquidity, 56% on profitability and 17% on growth.
The bankruptcy probability was computed on 09-11-2026 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 low class on 30-06-2025, 0.8% 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).
In July 2024, 5,053 companies had the same profile as ACCOBIE has now. Each dot stands for 13 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ACCOBIE itself: 0.6% within 12 months.
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 5,053 companies, not a prediction for ACCOBIE. 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.
Liquidity is tight, with a current ratio of 1.07 (1.78 in 2024), below the usual 1.5. Short-term debt is 52.5% and cash 43.1% of total assets. 74.6% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 37 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| ACCOBIE Antwerp | €133,345 | €42,589 | 25.4% | - |
| AFFIDES Rotselaar | €129,903 | €39,443 | 27.3% | - |
| HL EXPERTISE COMPTABLE ET CONSEILS FISCAUX Baelen | €116,917 | €43,092 | 3.7% | - |
| Compta_Fisc LESENFANTS Manhay | €117,468 | €42,811 | 62.0% | - |
| BOFISC MAESENAERE Diksmuide | €133,805 | €43,004 | 38.5% | - |
| COMPTA ALPHA OMEGA CONSULTING Saint-Nicolas | €119,215 | €42,870 | 36.0% | - |
| ACP ACCOUNTING & FINANCE Sprimont | €129,073 | €37,119 | 3.8% | - |
These companies have the same main activity as ACCOBIE: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €117,000 and €134,000, founded between 2013 and 2016.
ACCOBIE files the micro format. That format states no turnover. The gross margin rose from €31,053 in 2015 to €42,589 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €100,000. Estimated: probably between €75,000 and €140,000.
Higher than 24% of 15,828 companies in 2025.
Higher than 22% of 15,600 companies in 2025.
Higher than 52% of 15,717 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: bottom quarter
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||||
20/58 |
133,345 | 85,082 | 92,661 | 75,541 | 47,919 | 64,073 | 46,022 | 60,527 | 71,508 | 81,837 | 76,929 | |
21/28 |
58,698 | 14,162 | 15,862 | 2,610 | 1,939 | 2,623 | 6,140 | 15,388 | 19,945 | 27,868 | 33,182 | |
21 |
- | - | 0 | 398 | 796 | 1,194 | 1,592 | - | - | - | - | |
22/27 |
58,698 | 14,162 | 15,862 | 2,212 | 1,143 | 1,429 | 4,548 | 15,388 | 19,945 | 27,868 | 33,182 | |
23 |
- | - | - | - | - | - | 255 | 426 | 1,080 | 759 | 688 | |
24 |
1,626 | 2,777 | 988 | 1,483 | 170 | 213 | 2,834 | 13,260 | 16,919 | 24,920 | 32,494 | |
26 |
57,072 | 11,385 | 14,874 | 730 | 973 | 1,216 | 1,459 | 1,703 | 1,946 | 2,189 | - | |
29/58 |
74,647 | 70,920 | 76,799 | 72,930 | 45,980 | 61,450 | 39,882 | 45,139 | 51,563 | 53,969 | 43,747 | |
40/41 |
14,009 | 26,402 | 24,023 | 21,872 | 1,097 | 10,878 | 5,717 | 7,923 | 5,820 | 4,961 | 11,294 | |
40 |
14,009 | 25,336 | 22,844 | 21,872 | 1,097 | 10,878 | 5,717 | 7,923 | 5,820 | 4,961 | 11,294 | |
41 |
- | 1,066 | 1,179 | - | - | - | - | - | - | - | - | |
54/58 |
57,512 | 42,453 | 50,395 | 47,689 | 41,468 | 46,545 | 31,274 | 35,730 | 44,472 | 47,878 | 30,933 | |
490/1 |
3,126 | 2,065 | 2,381 | 3,369 | 3,415 | 4,027 | 2,891 | 1,487 | 1,271 | 1,130 | 1,520 | |
| Balance sheet: equity and liabilities | ||||||||||||
10/49 |
133,345 | 85,082 | 92,661 | 75,541 | 47,919 | 64,073 | 46,022 | 60,527 | 71,508 | 81,837 | 76,929 | |
10/15 |
33,865 | 45,136 | 45,014 | 44,527 | 43,220 | 41,294 | 40,164 | 44,336 | 43,174 | 35,540 | 25,955 | |
10/11 |
18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 12,500 | 12,500 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | - | - | - | 6,100 | 6,100 | |
13 |
13,860 | 13,860 | 13,860 | 13,860 | 13,860 | 13,860 | 13,860 | 13,860 | 13,535 | 13,175 | 12,675 | |
130/1 |
- | - | - | 1,860 | 1,860 | 1,860 | - | - | - | - | - | |
130 |
- | - | - | - | - | - | 1,860 | 1,860 | 1,535 | 1,175 | 675 | |
1311 |
- | - | - | 1,860 | 1,860 | 1,860 | - | - | - | - | - | |
133 |
13,860 | 13,860 | 13,860 | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | |
14 |
1,405 | 12,676 | 12,554 | 12,067 | 10,760 | 8,834 | 7,704 | 11,876 | 11,039 | 9,865 | 780 | |
17/49 |
99,480 | 39,946 | 47,648 | 31,014 | 4,699 | 22,779 | 5,859 | 16,192 | 28,334 | 46,297 | 50,973 | |
17 |
29,502 | - | - | - | - | - | - | 2,888 | 9,648 | 23,174 | 29,474 | |
170/4 |
29,502 | - | - | - | - | - | - | 2,888 | 9,648 | 23,174 | 29,474 | |
42/48 |
69,978 | 39,946 | 47,648 | 31,014 | 4,699 | 22,779 | 5,859 | 13,304 | 18,341 | 22,681 | 21,150 | |
42 |
11,488 | - | 6,349 | - | - | - | 2,888 | 6,760 | 6,526 | 6,300 | 6,079 | |
44 |
1,300 | 83 | 1,434 | 70 | 1,832 | 1,254 | 1,466 | 202 | 117 | 46 | 149 | |
440/4 |
1,300 | 83 | 1,434 | 70 | 1,832 | 1,254 | 1,466 | 202 | 117 | 46 | 149 | |
45 |
19,660 | 8,905 | 7,731 | 13,264 | 1,362 | 4,468 | 988 | 2,507 | 5,849 | 13,826 | 10,287 | |
450/3 |
17,360 | 8,905 | 7,731 | 11,299 | 1,362 | 4,468 | 988 | 2,507 | 5,849 | 13,826 | 10,287 | |
454/9 |
2,300 | - | - | 1,965 | - | - | - | - | - | - | - | |
47/48 |
37,530 | 30,958 | 32,134 | 17,680 | 1,505 | 17,057 | 517 | 3,835 | 5,849 | 2,508 | 4,634 | |
492/3 |
- | - | - | - | - | - | - | - | 345 | 442 | 350 | |
| Income statement | ||||||||||||
9900 |
42,589 | 45,115 | 45,639 | 25,681 | 4,993 | 23,553 | 8,866 | 16,700 | 21,056 | 25,425 | 31,053 | |
630 |
6,292 | 4,419 | 2,976 | 684 | 684 | 2,854 | 11,238 | 11,068 | 9,200 | 8,775 | 7,597 | |
640/8 |
834 | 889 | 614 | 1,490 | 449 | 664 | 927 | 976 | 853 | 1,303 | 1,307 | |
9901 |
35,463 | 39,807 | 42,048 | 23,507 | 3,860 | 20,035 | -3,299 | 4,655 | 11,002 | 15,348 | 22,149 | |
75/76B |
0 | - | 0 | 3 | 0 | - | - | 0 | - | 19 | 3 | |
75 |
0 | - | 0 | 3 | 0 | - | - | 0 | - | 19 | 3 | |
65/66B |
917 | 176 | 628 | 39 | 37 | 101 | 344 | 594 | 1,164 | 1,370 | 1,295 | |
65 |
917 | 176 | 628 | 39 | 37 | 101 | 344 | 594 | 1,164 | 1,370 | 1,295 | |
9903 |
34,546 | 39,632 | 41,421 | 23,472 | 3,824 | 19,934 | -3,643 | 4,061 | 9,838 | 13,997 | 20,856 | |
67/77 |
8,317 | 9,009 | 8,934 | 5,164 | 1,098 | 3,804 | 529 | 2,100 | 2,664 | 4,412 | 7,401 | |
9904 |
26,229 | 30,622 | 32,487 | 18,307 | 2,726 | 16,130 | -4,172 | 1,961 | 7,174 | 9,585 | 13,455 | |
9905 |
26,229 | 30,622 | 32,487 | 18,307 | 2,726 | 16,130 | -4,172 | 1,961 | 7,174 | 9,585 | 13,455 | |
| Appropriation of the result | ||||||||||||
9906 |
38,905 | 43,176 | 44,554 | 29,067 | 11,560 | 23,834 | 7,704 | 13,001 | 17,039 | 10,365 | 13,455 | |
14P |
12,676 | 12,554 | 12,067 | 10,760 | 8,834 | - | - | - | - | - | - | |
691/2 |
- | - | - | - | - | - | - | 325 | 360 | 500 | 12,675 | |
6920 |
- | - | - | - | - | - | - | 325 | 360 | 500 | 675 | |
6921 |
- | - | - | - | - | - | - | - | - | - | 12,000 | |
694/7 |
37,500 | 30,500 | 32,000 | 17,000 | 800 | 15,000 | - | 800 | 5,640 | - | - | |
694 |
37,500 | 30,500 | 32,000 | 17,000 | 800 | 15,000 | - | 800 | 640 | - | - | |
695 |
- | - | - | - | - | - | - | - | 5,000 | - | - | |
| Document | ||||||||||||
The notes to these accounts have 12 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 24-06-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 24-06-2026 | 2026-00193056 | |
| 31-12-2024 | micro format | 15-05-2025 | 2025-00094454 | |
| 31-12-2023 | micro format | 19-07-2024 | 2024-00262582 | |
| 31-12-2022 | micro format | 01-06-2023 | 2023-00113404 | |
| 31-12-2021 | micro format | 29-07-2022 | 2022-20244606 | |
| 31-12-2020 | micro format | 23-07-2021 | 2021-40200572 | |
| 31-12-2019 | micro format | 29-05-2020 | 2020-14400358 | |
| 31-12-2018 | micro format | 30-05-2019 | 2019-16100035 | |
| 31-12-2017 | micro format | 05-06-2018 | 2018-17000595 | |
| 31-12-2016 | micro format | 01-06-2017 | 2017-15000301 | |
| 31-12-2015 | abbreviated format | 01-06-2016 | 2016-14900289 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 41,755 | 44,226 | 45,025 | 24,191 | 4,544 | 22,889 | 7,939 | 15,723 | 20,203 | 24,122 | 29,746 | ||
| 32,521 | 35,041 | 35,463 | 18,991 | 3,410 | 18,984 | 7,066 | 13,030 | 16,374 | 18,359 | 21,053 | ||
| 52,457 | 2,718 | 16,228 | 1,355 | 0 | -663 | 1,990 | 6,511 | 1,278 | 3,460 | 40,779 | ||
| 15,059 | -7,942 | 2,706 | 6,221 | -5,077 | 15,271 | -4,455 | -8,743 | -3,405 | 16,945 | - | ||
| 4,669 | 30,974 | 29,152 | 41,916 | 41,280 | 38,671 | 34,024 | 31,835 | 33,222 | 31,288 | 22,597 | ||
| 25.4% | 53.0% | 48.6% | 58.9% | 90.2% | 64.4% | 87.3% | 73.2% | 60.4% | 43.4% | 33.7% | ||
| 1.07 | 1.78 | 1.61 | 2.35 | 9.78 | 2.70 | 6.81 | 3.39 | 2.81 | 2.38 | 2.07 | ||
| 2.94 | 0.89 | 1.06 | 0.70 | 0.11 | 0.55 | 0.15 | 0.37 | 0.66 | 1.30 | 1.96 | ||
| 77.5% | 67.8% | 72.2% | 41.1% | 6.3% | 39.1% | -10.4% | 4.4% | 16.6% | 27.0% | 51.8% | ||
| 19.7% | 36.0% | 35.1% | 24.2% | 5.7% | 25.2% | -9.1% | 3.2% | 10.0% | 11.7% | 17.5% | ||
| 45.52 | over 100 | 71.73 | over 100 | over 100 | - | - | - | - | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €52,457 | €2,718 | €16,228 | €1,355 | - |
| €6,292 | €4,419 | €2,976 | €684 | €684 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 11% lower than in 2024 and the lowest since 2022. It is the second fall in a row.
Debt's share of the balance-sheet total rises from 47.0% to 74.6%. Equity is lower and debt is higher.
ACCOBIE has no parent and no holdings in its annual accounts. De Bie Thomas is the only director. ACCOBIE shares no director with another company.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Troyentenhoflaan 74 registered office 2600 Antwerp | 09-02-2015 | 2.239.171.655 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11303C0264/00T015 | 244 m² | 1 · 82 m² | 9.5 m · 3 |
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