Accretio Consulting
ActiveAccretio Consulting has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €765k and a net result of €103k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+3
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 25.7 against 33.37 in 2024; short-term debt: 3.9% and cash: 29.6% of total assets), and 3.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
96.1%
Return on assets
13%
Age of the figures
9 mo
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
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
31 d early
2023
28 d early
2022
38 d early
2021
24 d early
2020
54 d late
2019
38 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€765k▲ 15.6%
2024 · €662k
2018: €429k
2019: €508k
2020: €623k
2021: €605k
2022: €651k
2023: €639k
2024: €662k
2018 → 2025
Total assets
€796k▲ 16.7%
2024 · €682k
2018: €448k
2019: €540k
2020: €652k
2021: €626k
2022: €669k
2023: €649k
2024: €682k
2018 → 2025
Net result
€103k▲ 41.9%
2024 · €73k
2018: €74k
2019: €79k
2020: €115k
2021: €98k
2022: €45k
2023: €-12k
2024: €73k
2018 → 2025
Working capital
€762k▲ 15.3%
2024 · €661k
2018: €429k
2019: €506k
2020: €621k
2021: €604k
2022: €647k
2023: €637k
2024: €661k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€605k-€651k▲ 7.5%€639k▼ 1.8%€662k▲ 3.6%€765k▲ 15.6%
Operating result€138k-€65k▼ 53.0%€-7k€104k€103k▼ 0.9%
Net result€98k-€45k▼ 53.7%€-12k€73k€103k▲ 41.9%
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 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €796k
Fixed assets
€4k▲ 187%
Current assets
€792k▲ 16.4%
Equity and liabilities €796k
Equity
€765k▲ 15.6%
Debt
€31k▲ 51.1%
The debt ratio rises from 3.0% to 3.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€119k▲
2024 · €105k
Cash flow
€119k▲
2024 · €74k
Solvency
96.1%▼
2024 · 97.0%
Current ratio
25.70▼
2024 · 33.37
Quick ratio
25.70▼
2024 · 33.37
Debt / equity
0.04▲
2024 · 0.03
ROE
13.5%▲
2024 · 11.0%
ROA
13.0%▲
2024 · 10.7%
Interest coverage
48.74▲
2024 · 39.05
Debt
€31k▲
2024 · €20k
Debt ≤ 1 year
€31k▲
2024 · €20k
Income taxes
€42k▲
2024 · €34k
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€682k€796k▲
Fixed assets21/28€1k€4k▲
Tangible fixed assets22/27€1k€4k▲
Plant, machinery and equipment23€1k€666▼
Furniture and vehicles24€261€3k▲
Current assets29/58€681k€792k▲
Amounts receivable within one year40/41€45k€46k▲
Trade receivables40€19k€44k▲
Other amounts receivable41€26k€2k▼
Current investments50/53€484k€510k▲
Cash at bank and in hand54/58€151k€236k▲
Deferred charges and accrued income490/1€878€838▼
Equity and liabilities
Total equity and liabilities10/49€682k€796k▲
Equity10/15€662k€765k▲
Contributions10/11€6k€6k=
Reserves13€656k€759k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€654k€757k▲
Amounts payable17/49€20k€31k▲
Amounts payable within one year42/48€20k€31k▲
Current portion of amounts payable after more than one year42€7k-
Trade debts44€1k€285▼
Suppliers440/4€1k€285▼
Taxes, remuneration and social security45€12k€31k▲
Taxes450/3€12k€31k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€16k▲
Other operating charges640/8€53€317▲
Gross operating margin9900€105k€119k▲
Operating profit (loss)9901€104k€103k▼
Financial income75/76B€5k€45k▲
Recurring financial income75€5k€45k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€107k€146k▲
Income taxes67/77€34k€42k▲
Profit (loss) for the period9904€73k€103k▲
Profit (loss) for the period to be appropriated9905€73k€103k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€103k▲
Profit (loss) brought forward from the previous period14P€-10k-
Transfer from equity791/2€50k-
Transfer to equity691/2€63k€103k▲
To other reserves6921€63k€103k▲
Profit to be distributed694/7€50k-
Return on contributions (dividend)694€50k-
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €73k
Net result €73k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-12k ▼126%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 54 days late
2020
31-12
Financial
Highest result since 2018net €115k ▲45.2%
Operating result €138k, net result €115k, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €500kEq €508k ▲18.4%
2 profitable years in a row build equity to €508k.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Asse · 1 establishment unit since 2011
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.
Mergelweg 251730 AsseGround area
425 m²
Building footprint
139 m²
Volume, LiDAR
778 m³
Parcel 23322B0087/00M000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Taste&Terroir
since 20112.202.140.025
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23322B0087/00M000 | Flanders | 425 m² | 1 · 139 m² | 9.6 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
2023 · 1 entry · 2,205 EUR awarded · 2,205 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,205 EUR | 2,205 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
5299003K7H0YJ0PPT066
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 30,681 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.