ACCOFIMA
ActiveACCOFIMA has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €164k and a net result of €59k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 46% of 3253 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency80▼-3
Growth78=
Stability94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 1.97 in 2024), but 60.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
39.9%
Return on assets
14.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
31 d late
2023
37 d late
2022
64 d late
2021
30 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€164k▲ 0.4%
2024 · €163k
2021: €40k
2022: €80k
2023: €148k
2024: €163k
2021 → 2025
Total assets
€410k▲ 0.3%
2024 · €409k
2021: €154k
2022: €145k
2023: €194k
2024: €409k
2021 → 2025
Net result
€59k▼ 26.8%
2024 · €80k
2021: €40k
2022: €41k
2023: €68k
2024: €80k
2021 → 2025
Working capital
€107k▼ 28.3%
2024 · €149k
2021: €12k
2022: €57k
2023: €131k
2024: €149k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€80k▲ 103%€148k▲ 85.0%€163k▲ 10.3%€164k▲ 0.4%
Operating result€54k-€55k▲ 2.5%€92k▲ 65.6%€84k▼ 8.7%€73k▼ 12.8%
Net result€40k-€41k▲ 2.6%€68k▲ 67.8%€80k▲ 17.9%€59k▼ 26.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €410k
Fixed assets
€175k▲ 63.4%
Current assets
€236k▼ 22.1%
Equity and liabilities €410k
Equity
€164k▲ 0.4%
Debt
€246k▲ 0.1%
The debt ratio falls from 60.1% to 60.1%: equity grows faster than debt.
Key figures and ratios
EBITDA
€98k▲
2024 · €92k
Cash flow
€84k▼
2024 · €88k
Solvency
39.9%▲
2024 · 39.9%
Current ratio
1.82▼
2024 · 1.97
Quick ratio
1.82▼
2024 · 1.97
Debt / equity
1.50▼
2024 · 1.51
ROE
35.8%▼
2024 · 49.1%
ROA
14.3%▼
2024 · 19.6%
Interest coverage
20.95▼
2024 · 84.77
Debt
€246k▲
2024 · €246k
Debt ≤ 1 year
€129k▼
2024 · €154k
Debt > 1 year
€117k▲
2024 · €92k
Income taxes
€12k▲
2024 · €4k
Staff costs
€99k▼
2024 · €103k
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€409k€410k▲
Fixed assets21/28€107k€175k▲
Intangible fixed assets21€10k€4k▼
Tangible fixed assets22/27€96k€170k▲
Furniture and vehicles24€934€6k▲
Other tangible fixed assets26€96k€165k▲
Current assets29/58€302k€236k▼
Amounts receivable within one year40/41€281k€205k▼
Trade receivables40€142k€95k▼
Other amounts receivable41€139k€111k▼
Cash at bank and in hand54/58€19k€29k▲
Deferred charges and accrued income490/1€3k€842▼
Equity and liabilities
Total equity and liabilities10/49€409k€410k▲
Equity10/15€163k€164k▲
Contributions10/11€1€1=
Reserves13€163k€164k▲
Distributable reserves133€163k€164k▲
Amounts payable17/49€246k€246k▲
Amounts payable after more than one year17€92k€117k▲
Financial debts170/4€92k€117k▲
Amounts payable within one year42/48€154k€129k▼
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€51k€22k▼
Suppliers440/4€51k€22k▼
Taxes, remuneration and social security45€31k€42k▲
Taxes450/3€13k€24k▲
Remuneration and social security454/9€18k€18k▲
Other amounts payable47/48€66k€58k▼
Accrued charges and deferred income492/3-€350
Income statement
Code20242025
Non-recurring operating income76A€1-
Remuneration, social security and pensions62€103k€99k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€25k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€19k▲
Other operating charges640/8€62€192▲
Non-recurring operating charges66A€38-
Gross operating margin9900€199k€216k▲
Operating profit (loss)9901€84k€73k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€1k€5k▲
Recurring financial charges65€1k€5k▲
Profit (loss) for the period before taxes9903€84k€71k▼
Income taxes67/77€4k€12k▲
Profit (loss) for the period9904€80k€59k▼
Profit (loss) for the period to be appropriated9905€80k€59k▼
Appropriation of the result
Profit (loss) to be appropriated9906€80k€59k▼
Transfer to equity691/2€15k€721▼
To other reserves6921€15k€721▼
Profit to be distributed694/7€65k€58k▼
Return on contributions (dividend)694-€38k
Directors or managers695€65k€20k▼
Social balance
Average headcount (FTE)90871.82.2▲
The notes to these accounts (17 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
10-09
State Gazette act
Incorporation · Founding capital
Corporate purpose · Director appointment
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-12
Financial
Highest result since 2021net €80k ▲17.9%
Net result €80k, the highest in the series.
31-12
Financial
Equity above €150kEq €163k ▲10.3%
4 profitable years in a row build equity to €163k.
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 37 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 3.85
Current ratio from 1.87 to 3.85; short-term debt falls from €65k to €46k.
31-12
Financial
Equity above €100kEq €148k ▲85%
3 profitable years in a row build equity to €148k.
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 64 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Maarten Niessen
CurrentNiet statutaire zaakvoerder · since 08-09-2026
08-09-2026
Appointed as Niet statutaire zaakvoerder
Location & real-estate footprint
Registered office, Diepenbeek · 1 establishment unit since 2021
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.
Grendelbaan 183590 DiepenbeekGround area
1,393 m²
Building footprint
263 m²
Volume, LiDAR
1,440 m³
Parcel 71402D0166/00E000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ACCOFIMA
since 20212.311.990.446
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71402D0166/00E000 | Flanders | 1,393 m² | 1 · 263 m² | 10.0 m · 2 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
2025 · 1 entry · 338 EUR awarded · 338 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 338 EUR | 338 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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LIEVENS Accountancy Services
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COMPTAFISCAL
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 6,471 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2020
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.