ACCTIVO

Active

Private limited companyfounded 20224 yrs activeWielewaallaan 6, 1850 Grimbergen, BelgiumKBO/BCE: BE 0789.902.672

ACCTIVO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.11M and a net result of €-12k. Its solvency ranks better than 39% of 15368 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).

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Checked score

Score 2024

65 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability46▼-23

Solvency73▼-7

Growth32

Track record94

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €70k at 30 days acceptable

Liquidity short (current ratio 0.12 against 0.29 in 2023; short-term debt: 4.4% and cash: 0.5% of total assets), and 51.8% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

48.2%

Return on assets

-0.5%

Age of the figures

21 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-06-2025, 52 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

52 d early

2023

19 d late

2022

9 d late

← before the deadline after the 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

Financials · fiscal year 2024, micro schema

Equity

€1.11M▼ 1.1%

2023 · €1.12M

2023: €1.12M

2023 → 2024

Total assets

€2.29M▲ 13.4%

2023 · €2.02M

2023: €2.02M

2023 → 2024

Net result

€-12k

2023 · €57k

2023: €57k

2023 → 2024

Working capital

€-90k▲ 33.0%

2023 · €-134k

2023: €-134k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€1.12M-€1.11M▼ 1.1%

Operating result€113k-€21k▼ 81.5%

Net result€57k-€-12k

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 2024; 2024 is 81% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €2.29M

99.5%

Fixed assets €2.28M▲ 15.9%

Current assets €12k▼ 78.4%

Equity and liabilities €2.29M

48.2%

50.5%

Equity €1.11M▼ 1.1%

Provisions €29k▼ 6.3%

Debt €1.16M▲ 32.5%

The debt ratio rises from 43.2% to 50.5%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€117k▼

2023 · €191k

Cash flow

€84k▼

2023 · €135k

Solvency

48.2%▼

2023 · 55.3%

Current ratio

0.12▼

2023 · 0.29

Quick ratio

0.12▼

2023 · 0.29

Debt / equity

1.05▲

2023 · 0.78

ROE

-1.1%▼

2023 · 5.1%

ROA

-0.5%▼

2023 · 2.8%

Interest coverage

3.31▼

2023 · 5.65

Debt

€1.16M▲

2023 · €875k

Debt ≤ 1 year

€101k▼

2023 · €189k

Debt > 1 year

€961k▲

2023 · €622k

Income taxes

€-706▼

2023 · €24k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€2.02M€2.29M▲

Fixed assets21/28€1.97M€2.28M▲

Tangible fixed assets22/27€1.92M€2.23M▲

Land and buildings22€1.86M€2.17M▲

Plant, machinery and equipment23€35k€29k▼

Furniture and vehicles24€23k€30k▲

Financial fixed assets28€50k€50k=

Current assets29/58€55k€12k▼

Amounts receivable within one year40/41€5k€0▼

Other amounts receivable41€5k€0▼

Cash at bank and in hand54/58€50k€12k▼

Equity and liabilities

Total equity and liabilities10/49€2.02M€2.29M▲

Equity10/15€1.12M€1.11M▼

Contributions10/11€9k€9k=

Reserves13€809k€805k▼

Non-distributable reserves130/1€15k€15k=

Reserves not available under the articles1311€15k€15k=

Tax-exempt reserves132€38k€34k▼

Distributable reserves133€756k€756k=

Profit (loss) carried forward14€301k€293k▼

Provisions and deferred taxes16€31k€29k▼

Deferred taxes168€31k€29k▼

Amounts payable17/49€875k€1.16M▲

Amounts payable after more than one year17€622k€961k▲

Financial debts170/4€622k€961k▲

Amounts payable within one year42/48€189k€101k▼

Current portion of amounts payable after more than one year42€40k€17k▼

Trade debts44€7k€9k▲

Suppliers440/4€7k€9k▲

Taxes, remuneration and social security45€69k€31k▼

Taxes450/3€69k€31k▼

Other amounts payable47/48€73k€44k▼

Accrued charges and deferred income492/3€64k€97k▲

Income statement Code20232024

Non-recurring operating income76A-€12k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€96k▲

Other operating charges640/8€19k€28k▲

Gross operating margin9900€209k€145k▼

Operating profit (loss)9901€113k€21k▼

Financial income75/76B€0€1▲

Recurring financial income75€0€1▲

Financial charges65/66B€34k€35k▲

Recurring financial charges65€34k€35k▲

Profit (loss) for the period before taxes9903€79k€-15k▼

Transfer from deferred taxes780€2k€2k=

Income taxes67/77€24k€-706▼

Profit (loss) for the period9904€57k€-12k▼

Transfer from tax-exempt reserves789€4k€4k=

Profit (loss) for the period to be appropriated9905€61k€-8k▼

Appropriation of the result

Profit (loss) to be appropriated9906€362k€293k▼

Profit (loss) brought forward from the previous period14P€301k€301k▲

Transfer to equity691/2€61k€0▼

To other reserves6921€61k€0▼

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Filings 3

2025

09-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

19-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 19 days late

2023

09-08

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 9 days late

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Grimbergen · 2 establishment units since 2022

establishment All 2 establishment units on the map

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.

Wielewaallaan 61850 Grimbergen

Ground area

1,918 m²

Building footprint

457 m²

Volume, LiDAR

4,224 m³

2 parcels, Flanders · tallest building 22.7 m, ±7 floors. Linked by address, not a title deed.

2 establishment units

Acctivo

Dumortierlaan 72, 8300 Knokke-HeistReal estate activities

since 20222.338.982.081

Acctivo

Wielewaallaan 6, 1850 GrimbergenBuying and selling of own real estate

since 20222.338.984.655

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23025I0248/00B000	Flanders	1,797 m²	1 · 335 m²	7.9 m · 2 fl.
31334B0487/00_000	Flanders	122 m²	1 · 122 m²	22.7 m · 7 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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 to 2025 · 3 entries · 1,583 EUR awarded · 1,535 EUR paid

Year	Entries	awarded	paid
2025	1	0 EUR	50 EUR
2024	1	1,535 EUR	1,485 EUR
2023	1	48 EUR	0 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

3 entries · 1,583 EUR · 1,535 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

ASSURANCES PARMENTIER DAUVIN ET CIE

Merelbeke-Melle · Eq €1.11M

JANE CONSULTING

BE 0888.575.032

Destelbergen · Eq €1.10M

SPANASSUR

BE 0462.757.207

Waasmunster · Eq €1.10M

Accountants - Belastingconsulenten Van Poucke

BE 0716.688.260

Sint-Niklaas · Eq €1.11M

Of 2,267 companies in sector 69209 we hold annual accounts for 1,098. 579 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded23-08-2022

Fiscal year end31-12

Activities, NACEBEL

69201Accountants

69209Other tax advisory services

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.