Accola

Active

Private limited companyfounded 20206 yrs activeBischoffsheimlaan 39, 1000 Brussel, BelgiumKBO/BCE: BE 0743.729.979

Summary

Accola 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 €5,000 and a net result of €167,439. Equity is shrinking by ~44.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 10% of 2460 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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AccolaActive

Risk analysis Report Compare

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

Two signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 2460 sector peers (2025).

NBB · sector comparison

Position among 2460 sector peers

Solvency

better than 10%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-02-2026, 160 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

160 d early

2024

133 d early

2023

21 d late

2022

52 d early

2021

50 d early

2020

3 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 62 days before 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)

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 months

Position in the running window

27-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

History

Accola was incorporated on 17 February 2020 as a Private limited company.¹ Total assets went from EUR 211,593 in 2020 to EUR 231,335 in 2025.²

Go further with this company

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Financials · fiscal year 2025, micro schema

Equity

€5,000▼ 89.4%

2024 · €47,166

Net result

€167,439▼ 66.3%

2024 · €497,253

Total assets

€231,335▼ 58.5%

2024 · €557,156

Solvency

2.2%▼ 6.3pp

2024 · 8.5%

Trend over the years

Chart Table

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before

favourable unfavourable

Line20212022202320242025

Operating result€468,848▲ 200%€581,811▲ 24.1%€38,674▼ 93.4%€664,539▲ 1,618%€225,339▼ 66.1%

Net result€354,247▲ 197%€435,559▲ 23.0%€30,700▼ 93.0%€497,253▲ 1,520%€167,439▼ 66.3%

Equity€478,654▲ 285%€29,213▼ 93.9%€59,913▲ 105%€47,166▼ 21.3%€5,000▼ 89.4%

Total assets€596,569▲ 182%€1.2m▲ 96.2%€188,094▼ 83.9%€557,156▲ 196%€231,335▼ 58.5%

Debt€117,915▲ 35.2%€1.1m▲ 868%€128,180▼ 88.8%€509,989▲ 298%€226,335▼ 55.6%

Working capital€458,915▲ 357%€15,654▼ 96.6%€50,249▲ 221%€44,252▼ 11.9%-€4,441

Solvency80.2%▲ 21.4pp2.5%▼ 77.7pp31.9%▲ 29.4pp8.5%▼ 23.4pp2.2%▼ 6.3pp

above within below the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.

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 66% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €231,335

95.9%

Fixed assets €9,441 ▲ 224%

Current assets €221,894 ▼ 60.0%

Equity and liabilities €231,335

97.8%

Equity €5,000 ▼ 89.4%

Debt €226,335 ▼ 55.6%

Debt's share of the balance-sheet total rises from 91.5% to 97.8%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

ROA

72.4%▼

2024 · 89.2%

Debt ≤ 1 year

€226,335▼

2024 · €509,989

Income taxes

€58,447▼

2024 · €168,400

A ratio outside any meaningful range has been withheld (balance sheet total €231,335, equity €5,000).

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Annual accounts

OverviewIncome statement Balance sheet Cash flow

Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines

Balance sheet Code20242025

Assets

Total assets20/58€557,156€231,335▼

Fixed assets21/28€2,914€9,441▲

Tangible fixed assets22/27€2,914€9,441▲

Furniture and vehicles24€2,914€1,145▼

Other tangible fixed assets26-€8,296

Current assets29/58€554,242€221,894▼

Amounts receivable within one year40/41€798€153,999▲

Trade receivables40-€150,000

Other amounts receivable41€798€3,999▲

Cash at bank and in hand54/58€552,952€67,579▼

Deferred charges and accrued income490/1€491€316▼

Equity and liabilities

Total equity and liabilities10/49€557,156€231,335▼

Equity10/15€47,166€5,000▼

Contributions10/11€5,000€5,000=

Profit (loss) carried forward14€42,166-

Amounts payable17/49€509,989€226,335▼

Amounts payable within one year42/48€509,989€226,335▼

Trade debts44€2,465€1,969▼

Suppliers440/4€2,465€1,969▼

Taxes, remuneration and social security45€7,313€13,550▲

Taxes450/3€7,313€13,550▲

Other amounts payable47/48€500,211€210,816▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6,750€2,037▼

Other operating charges640/8€4,357€2,344▼

Gross operating margin9900€675,647€229,720▼

Operating profit (loss)9901€664,539€225,339▼

Financial income75/76B€1,714€1,178▼

Recurring financial income75€1,714€1,178▼

Financial charges65/66B€600€632▲

Recurring financial charges65€600€632▲

Profit (loss) for the period before taxes9903€665,654€225,885▼

Income taxes67/77€168,400€58,447▼

Profit (loss) for the period9904€497,253€167,439▼

Profit (loss) for the period to be appropriated9905€497,253€167,439▼

Appropriation of the result

Profit (loss) to be appropriated9906€552,166€209,605▼

Profit (loss) brought forward from the previous period14P€54,913€42,166▼

Profit to be distributed694/7€510,000€209,605▼

Return on contributions (dividend)694€510,000€209,605▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line	2021	2022	2023	2024	2025	Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€6,180	€6,180	€6,746	€6,750	€2,037	▼ 69.8%
Other operating charges640/8	€1,726	€48	€384	€4,357	€2,344	▼ 46.2%
Gross operating margin9900	€476,755	€588,039	€45,804	€675,647	€229,720	▼ 66.0%
Operating profit (loss)9901	€468,848	€581,811	€38,674	€664,539	€225,339	▼ 66.1%
Financial income75/76B	-	-	€3,633	€1,714	€1,178	▼ 31.3%
Recurring financial income75	-	-	€3,633	€1,714	€1,178	▼ 31.3%
Financial charges65/66B	€1,413	€6,108	€726	€600	€632	▲ 5.3%
Recurring financial charges65	€1,413	€6,108	€726	€600	€632	▲ 5.3%
Profit (loss) for the period before taxes9903	€467,435	€575,703	€41,581	€665,654	€225,885	▼ 66.1%
Income taxes67/77	€113,188	€140,144	€10,881	€168,400	€58,447	▼ 65.3%
Profit (loss) for the period9904	€354,247	€435,559	€30,700	€497,253	€167,439	▼ 66.3%
Profit (loss) for the period to be appropriated9905	€354,247	€435,559	€30,700	€497,253	€167,439	▼ 66.3%

Line	2021	2022	2023	2024	2025	Change
Assets
Total assets20/58	€596,569	€1.2m	€188,094	€557,156	€231,335	▼ 58.5%
Fixed assets21/28	€19,739	€13,559	€9,665	€2,914	€9,441	▲ 224%
Tangible fixed assets22/27	€19,739	€13,559	€9,665	€2,914	€9,441	▲ 224%
Furniture and vehicles24	€19,739	€13,559	€9,665	€2,914	€1,145	▼ 60.7%
Other tangible fixed assets26	-	-	-	-	€8,296	-
Current assets29/58	€576,830	€1.2m	€178,429	€554,242	€221,894	▼ 60.0%
Amounts receivable within one year40/41	€2,334	€1,203	€47,277	€798	€153,999	▲ 19,190%
Trade receivables40	€1,500	-	€46,245	-	€150,000	-
Other amounts receivable41	€834	€1,203	€1,032	€798	€3,999	▲ 401%
Current investments50/53	-	€900,000	-	-	-	-
Cash at bank and in hand54/58	€574,496	€255,772	€130,793	€552,952	€67,579	▼ 87.8%
Deferred charges and accrued income490/1	-	€165	€359	€491	€316	▼ 35.6%
Equity and liabilities
Total equity and liabilities10/49	€596,569	€1.2m	€188,094	€557,156	€231,335	▼ 58.5%
Equity10/15	€478,654	€29,213	€59,913	€47,166	€5,000	▼ 89.4%
Contributions10/11	€5,000	€5,000	€5,000	€5,000	€5,000	=
Profit (loss) carried forward14	€473,654	€24,213	€54,913	€42,166	-	-
Amounts payable17/49	€117,915	€1.1m	€128,180	€509,989	€226,335	▼ 55.6%
Amounts payable within one year42/48	€117,915	€1.1m	€128,180	€509,989	€226,335	▼ 55.6%
Trade debts44	€424	€1,467	€324	€2,465	€1,969	▼ 20.1%
Suppliers440/4	€424	€1,467	€324	€2,465	€1,969	▼ 20.1%
Taxes, remuneration and social security45	€113,188	€253,332	€10,881	€7,313	€13,550	▲ 85.3%
Taxes450/3	€113,188	€253,332	€10,881	€7,313	€13,550	▲ 85.3%
Other amounts payable47/48	€4,303	€886,687	€116,976	€500,211	€210,816	▼ 57.9%

Line	2021	2022	2023	2024	2025	Change
Profit (loss) for the period9904	€354,247	€435,559	€30,700	€497,253	€167,439	▼ 66.3%
+ Depreciation and write-downs630	€6,180	€6,180	€6,746	€6,750	€2,037	▼ 69.8%
Operating cash flow (approximation)	€360,427	€441,739	€37,446	€504,003	€169,475	▼ 66.4%
Investment in fixed assets (approximation)	-	€0	-€2,851	€0	-€8,563	-
Change in cash	-	-€318,724	-€124,979	€422,159	-€485,373	▼ 215%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

All 10Financial 4Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

21-02

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

20-03

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2020net €497,253 ▲1,520%

Operating result €664,539, net result €497,253, both a record.

21-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 21 days late

2023

31-12

Financial Weakest financial yearnet €30,700 ▼93%

Net result drops to €30,700, the lowest in the series; recovery starts the following year.

09-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

11-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Liquidity doublescurrent ratio 4.89

Current ratio from 2.18 to 4.89.

31-12

Financial Equity above €200,000Eq €478,654 ▲285%

2 profitable years in a row build equity to €478,654.

03-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 3 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 2 acts read

About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors

2 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, Brussel · 1 establishment unit since 2020

seat establishment The establishment unit on the map

Ground area

1,053 m²

Building footprint

414 m²

Volume, LiDAR

8,253 m³

2 parcels, Brussels · tallest building 26.6 m, ±8 floors. Linked by address, not a title deed.

423 companies at this address See who is registered here

1 establishment unit

Accola

Darwinstraat 19, 1050 ElseneActivities of head offices; management consultancy activities

since 20202.302.665.083

2 parcels

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21803C0630/00H003	Brussels	808 m²	1 · 279 m²	26.6 m · 8 fl.
21447B0440/00_000 ProtectedArchitectural ensembleVoormalige woning en atelier van de schilderes en beeldhouwster Louise de HemSource ↗	Brussels	245 m²	1 · 135 m²	20.4 m · 5 fl.

Linked by address, not proof of ownership

Good to know

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

1 of these parcels carry protected heritage: expect extra rules on renovation or sale.

Similar companies · same sector, comparable size

Keerbergen · Eq €4,972

Of 1,507 companies in sector 66199 we hold annual accounts for 921. 214 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

Founded17-02-2020

Fiscal year end31-12

Activities, NACEBEL 2025

66199Other activities auxiliary to financial services, excluding insurance and pension funding

E-invoicing

Reachable via Peppol

Peppol ID 0208:0743729979

Registered 29-12-2025

Scores and ratios are computed by Checked and are not a credit decision.