Accord'O
ActiveAccord'O has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €210k and a net result of €40k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 58% of 11165 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
93
/ 100
Excellent▲ +17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-5
Solvency86▲+14
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.15 in 2024), and 47.5% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
higher
← 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
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
52.5%
Return on assets
10%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 03-10-2025, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
on the day
2023
5 d early
2022
on the day
2021
3 d early
2020
4 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close12-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€40k▼ 6.0%
2024 · €42k
2019: €8k
2020: €93k
2021: €33k
2022: €95k
2023: €49k
2024: €42k
2019 → 2025
Working capital
€86k▲ 193%
2024 · €29k
2019: €24k
2020: €3k
2021: €-30k
2022: €-19k
2023: €7k
2024: €29k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€114k-€124k▲ 8.6%€133k▲ 6.9%€172k▲ 29.5%€210k▲ 22.2%
Operating result€50k-€124k▲ 147%€60k▼ 51.3%€61k▲ 1.4%€61k▼ 0.5%
Net result€33k-€95k▲ 185%€49k▼ 48.8%€42k▼ 12.9%€40k▼ 6.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €400k
Fixed assets
€159k▲ 11.2%
Current assets
€241k▲ 4.6%
Equity and liabilities €400k
Equity
€210k▲ 22.2%
Debt
€190k▼ 5.7%
The debt ratio falls from 53.9% to 47.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€109k▲
2024 · €105k
Cash flow
€88k▲
2024 · €86k
Solvency
52.5%▲
2024 · 46.1%
Current ratio
1.56▲
2024 · 1.15
Quick ratio
1.13▲
2024 · 0.75
Debt / equity
0.90▼
2024 · 1.17
ROE
18.9%▼
2024 · 24.6%
ROA
10.0%▼
2024 · 11.3%
Interest coverage
37.36▼
2024 · 252.80
Debt
€190k▼
2024 · €201k
Debt ≤ 1 year
€155k▼
2024 · €201k
Debt > 1 year
€35k
Income taxes
€18k▼
2024 · €19k
Staff costs
€309k▼
2024 · €321k
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€373k€400k▲
Fixed assets21/28€143k€159k▲
Tangible fixed assets22/27€143k€159k▲
Plant, machinery and equipment23€73k€58k▼
Furniture and vehicles24€70k€102k▲
Current assets29/58€230k€241k▲
Amounts receivable after more than one year29-€35k
Other amounts receivable291-€35k
Stocks and contracts in progress3€80k€65k▼
Stocks30/36€80k€65k▼
Amounts receivable within one year40/41€114k€75k▼
Trade receivables40€111k€71k▼
Other amounts receivable41€4k€4k▼
Cash at bank and in hand54/58€33k€55k▲
Deferred charges and accrued income490/1€3k€10k▲
Equity and liabilities
Total equity and liabilities10/49€373k€400k▲
Equity10/15€172k€210k▲
Contributions10/11€6k€6k=
Reserves13€40k€78k▲
Distributable reserves133€40k€78k▲
Profit (loss) carried forward14€126k€126k▲
Amounts payable17/49€201k€190k▼
Amounts payable after more than one year17-€35k
Financial debts170/4-€35k
Amounts payable within one year42/48€201k€155k▼
Current portion of amounts payable after more than one year42-€12k
Trade debts44€111k€106k▼
Suppliers440/4€111k€106k▼
Taxes, remuneration and social security45€36k€33k▼
Taxes450/3€19k€18k▼
Remuneration and social security454/9€17k€15k▼
Other amounts payable47/48€53k€3k▼
Accrued charges and deferred income492/3€650€650=
Income statement
Code20242025
Remuneration, social security and pensions62€321k€309k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€48k▲
Other operating charges640/8€2k€5k▲
Gross operating margin9900€428k€423k▼
Operating profit (loss)9901€61k€61k▼
Financial income75/76B€570€75▼
Recurring financial income75€570€75▼
Financial charges65/66B€414€3k▲
Recurring financial charges65€414€3k▲
Profit (loss) for the period before taxes9903€61k€58k▼
Income taxes67/77€19k€18k▼
Profit (loss) for the period9904€42k€40k▼
Profit (loss) for the period to be appropriated9905€42k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€167k€166k▼
Profit (loss) brought forward from the previous period14P€125k€126k▲
Transfer to equity691/2€38k€38k=
To the legal reserve6920€38k-
To other reserves6921-€38k
Profit to be distributed694/7€3k€2k▼
Return on contributions (dividend)694€3k-
Directors or managers695-€2k
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
2025
03-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €200kEq €210k ▲22.2%
7 profitable years in a row build equity to €210k.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €150kEq €172k ▲29.5%
6 profitable years in a row build equity to €172k.
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Highest result since 2019net €95k ▲185%
Net result €95k, the highest in the series.
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
04-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 4 days late
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
27-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2017
03-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 3 days late
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, La Bruyère · 1 establishment unit since 2010
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.
Rue Aux-Cailloux, Rhisnes 315080 La BruyèreGround area
776 m²
Building footprint
288 m²
Volume, LiDAR
1,972 m³
Parcel 92102B0270/00P008, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ACCORD O
since 20102.185.761.970
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92102B0270/00P008 | Wallonia | 776 m² | 1 · 288 m² | 9.0 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.
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RELIABLE DYNAMIC TECHNOLOGY
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Of 387 companies in sector 42990 we hold annual accounts for 179. 130 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2010
Fiscal year end31-03
Activities, NACEBEL
42990Civil engineering
46643Wholesale of electrical equipment, including installation materials
43211General electrical installation work
43221Plumbing work
43910Bricklaying and masonry work
43994Specialised construction activities
46836Wholesale trade
47527Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.