ACCTO
ActiveSummary
ACCTO has been active since 1972 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.4m and a net result of €46,084. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 57% of 933 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▼-4
Solvency77▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120,000 at 30 days acceptable
Liquidity ample (current ratio 4.94 against 5.98 in 2024; short-term debt: 14.4% and cash: 29.1% of total assets), and 47.7% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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
52.3%
Return on assets
1.7%
Age of the figures
9 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 23-09-2026, 54 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 · 10 filingsDeviation from the deadline
2025
54 d late
2024
54 d late
2023
14 d late
2022
on the day
2021
22 d late
2020
60 d late
2019
88 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 42 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidy mirror How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
In the rankings
#1 oldest company in Veurne, Administrative and support services sector#7 company by equity in Veurne, Administrative and support services sector#8 company by total assets in Veurne, Administrative and support services sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€46,084▼ 64.3%
2024 · €129,163
Working capital
€1.6m▲ 11.4%
2024 · €1.4m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€38,979▼ 42.7%€61,478▲ 57.7%€114,578▲ 86.4%€135,061▲ 17.9%€46,795▼ 65.4%
Net result-€121,567€49,987€103,055▲ 106%€129,163▲ 25.3%€46,084▼ 64.3%
Equity€1.1m▼ 9.9%€1.2m▲ 4.5%€1.3m▲ 8.9%€1.4m▲ 10.2%€1.4m▲ 3.3%
Total assets€2.7m▼ 5.5%€2.5m▼ 6.6%€2.7m▲ 5.7%€2.6m▼ 0.8%€2.8m▲ 4.2%
Debt€1.6m▼ 2.2%€1.4m▼ 14.3%€1.4m▲ 3.0%€1.2m▼ 10.7%€1.3m▲ 5.1%
Working capital€878,485▼ 9.5%€1.0m▲ 16.4%€1.1m▲ 10.5%€1.4m▲ 23.9%€1.6m▲ 11.4%
Staff (FTE)21.5▲ 3.4%20.4▼ 5.1%20.3▼ 0.5%17.3▼ 14.8%17.9▲ 3.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.8m
Fixed assets
€796,593 ▼ 17.1%
Current assets
€2.0m ▲ 16.3%
Equity and liabilities €2.8m
Equity
€1.4m ▲ 3.3%
Debt
€1.3m ▲ 5.1%
Debt's share of the balance-sheet total rises from 47.2% to 47.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€238,627▼
2024 · €326,335
Cash flow
€237,916▼
2024 · €320,437
Current ratio
4.94▼
2024 · 5.98
Debt to equity
0.91▲
2024 · 0.90
ROE
3.2%▼
2024 · 9.3%
ROA
1.7%▼
2024 · 4.9%
Interest coverage
19.94▼
2024 · 22.43
Debt ≤ 1 year
€395,724▲
2024 · €281,289
Debt > 1 year
€914,540▼
2024 · €967,040
Income taxes
€823
Staff costs
€1.4m▲
2024 · €1.3m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,684 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 14,684 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €1.3m | €1.3m | €1.5m | €1.3m | €1.4m | ▲ 5.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €180,312 | €202,108 | €186,413 | €191,274 | €191,832 | ▲ 0.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €10,681 | - | €22,858 | €9,232 | €3,428 | ▼ 62.9% |
| Other operating charges640/8 | €19,412 | €21,302 | €21,722 | €24,730 | €27,013 | ▲ 9.2% |
| Gross operating margin9900 | €1.6m | €1.6m | €1.8m | €1.7m | €1.7m | ▼ 0.7% |
| Operating profit (loss)9901 | €38,979 | €61,478 | €114,578 | €135,061 | €46,795 | ▼ 65.4% |
| Financial income75/76B | €6,675 | €3,095 | €4,138 | €8,650 | €12,075 | ▲ 39.6% |
| Recurring financial income75 | €6,675 | €3,095 | €4,138 | €8,650 | €12,075 | ▲ 39.6% |
| Financial charges65/66B | €166,140 | €14,586 | €15,661 | €14,548 | €11,964 | ▼ 17.8% |
| Recurring financial charges65 | €166,140 | €14,586 | €15,661 | €14,548 | €11,964 | ▼ 17.8% |
| Profit (loss) for the period before taxes9903 | -€120,486 | €49,987 | €103,055 | €129,163 | €46,906 | ▼ 63.7% |
| Income taxes67/77 | €1,081 | - | - | - | €823 | - |
| Profit (loss) for the period9904 | -€121,567 | €49,987 | €103,055 | €129,163 | €46,084 | ▼ 64.3% |
| Profit (loss) for the period to be appropriated9905 | -€121,567 | €49,987 | €103,055 | €129,163 | €46,084 | ▼ 64.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.7m | €2.5m | €2.7m | €2.6m | €2.8m | ▲ 4.2% |
| Fixed assets21/28 | €1.3m | €1.2m | €1.1m | €961,336 | €796,593 | ▼ 17.1% |
| Intangible fixed assets21 | €29,558 | €22,224 | €9,464 | €2,442 | €1,447 | ▼ 40.7% |
| Tangible fixed assets22/27 | €1.3m | €1.2m | €1.1m | €955,174 | €791,426 | ▼ 17.1% |
| Land and buildings22 | €1.1m | €1.0m | €889,906 | €771,294 | €641,306 | ▼ 16.9% |
| Plant, machinery and equipment23 | €2,041 | €11,263 | €61,519 | €59,427 | €63,145 | ▲ 6.3% |
| Furniture and vehicles24 | €118,510 | €127,283 | €170,848 | €124,453 | €86,975 | ▼ 30.1% |
| Financial fixed assets28 | €3,720 | €3,720 | €3,720 | €3,720 | €3,720 | = |
| Current assets29/58 | €1.4m | €1.3m | €1.5m | €1.7m | €2.0m | ▲ 16.3% |
| Amounts receivable after more than one year29 | €111,975 | €175,975 | €185,975 | €239,675 | €279,675 | ▲ 16.7% |
| Other amounts receivable291 | €111,975 | €175,975 | €185,975 | €239,675 | €279,675 | ▲ 16.7% |
| Amounts receivable within one year40/41 | €796,213 | €632,055 | €823,943 | €760,286 | €801,185 | ▲ 5.4% |
| Trade receivables40 | €792,426 | €630,479 | €823,943 | €760,286 | €801,185 | ▲ 5.4% |
| Other amounts receivable41 | €3,787 | €1,576 | - | - | - | - |
| Cash at bank and in hand54/58 | €402,970 | €481,202 | €484,243 | €666,280 | €800,384 | ▲ 20.1% |
| Deferred charges and accrued income490/1 | €83,559 | €46,814 | €33,906 | €15,151 | €74,564 | ▲ 392% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.7m | €2.5m | €2.7m | €2.6m | €2.8m | ▲ 4.2% |
| Equity10/15 | €1.1m | €1.2m | €1.3m | €1.4m | €1.4m | ▲ 3.3% |
| Contributions10/11 | - | €1.4m | €1.4m | €1.4m | €1.4m | = |
| Capital10 | - | €1.4m | €1.4m | €1.4m | €1.4m | = |
| Reserves13 | - | - | - | €35,711 | €81,795 | ▲ 129% |
| Profit (loss) carried forward14 | -€246,494 | -€196,507 | -€93,452 | - | - | - |
| Amounts payable17/49 | €1.6m | €1.4m | €1.4m | €1.2m | €1.3m | ▲ 5.1% |
| Amounts payable after more than one year17 | €1.1m | €1.0m | €1.0m | €967,040 | €914,540 | ▼ 5.4% |
| Financial debts170/4 | €1.1m | €1.0m | €1.0m | €967,040 | €914,540 | ▼ 5.4% |
| Amounts payable within one year42/48 | €516,231 | €313,430 | €397,916 | €281,289 | €395,724 | ▲ 40.7% |
| Current portion of amounts payable after more than one year42 | €33,333 | €33,333 | €33,333 | €33,333 | €20,000 | ▼ 40.0% |
| Financial debts43 | €81,667 | €58,333 | €35,000 | €11,667 | - | - |
| Credit institutions430/8 | €81,667 | €58,333 | €35,000 | €11,667 | - | - |
| Trade debts44 | €170,411 | €83,554 | €118,908 | €73,766 | €131,965 | ▲ 78.9% |
| Suppliers440/4 | €170,411 | €83,554 | €118,908 | €73,766 | €131,965 | ▲ 78.9% |
| Advances received on contracts in progress46 | €200 | €2,338 | - | €3,436 | €14 | ▼ 99.6% |
| Taxes, remuneration and social security45 | €230,067 | €135,872 | €210,675 | €159,086 | €243,744 | ▲ 53.2% |
| Taxes450/3 | €83,763 | - | €50,345 | €20,083 | €7,702 | ▼ 61.6% |
| Remuneration and social security454/9 | €146,304 | €135,872 | €160,330 | €139,003 | €236,042 | ▲ 69.8% |
| Accrued charges and deferred income492/3 | €885 | €10,074 | - | - | €1,656 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€121,567 | €49,987 | €103,055 | €129,163 | €46,084 | ▼ 64.3% |
| + Depreciation and write-downs630 | €180,312 | €202,108 | €186,413 | €191,274 | €191,832 | ▲ 0.3% |
| Operating cash flow (approximation) | €58,744 | €252,095 | €289,468 | €320,437 | €237,916 | ▼ 25.8% |
| Investment in fixed assets (approximation) | - | -€83,821 | -€138,524 | -€17,152 | -€27,090 | ▼ 57.9% |
| Change in cash | - | €78,232 | €3,041 | €182,037 | €134,105 | ▼ 26.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 54 days late
30-07
State Gazette act
General meeting · Share issue
Capital increase · Statutes amendment · Tim HERZEEL
30-07
State Gazette act
Incorporation · Corporate purpose
Director appointment · Permanent representative · Tim HERZEEL
30-03
State Gazette act
Incorporation · Founder
Corporate purpose · Founding capital
23-03
State Gazette act
Incorporation · Founder
Founding capital · Bank account
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 54 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 14 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €49,987
Net result €49,987 after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 22 days late
2021
31-12
Financial
Weakest financial yearnet -€121,567
Net result drops to -€121,567, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 60 days late
Show earlier events
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 88 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 14 acts read
About the unread acts
We know of 14 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
14 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, Veurne · 2 establishment units since 2006
Ground area
872 m²
Building footprint
800 m²
Volume, LiDAR
5,173 m³
2 parcels, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
2 establishment units
accto
since 20062.155.590.616
accto
since 20122.217.251.437
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38025A0463/00D000 | Flanders | 754 m² | 1 · 694 m² | 10.9 m · 2 fl. |
| 33021F1080/00C000 | Flanders | 117 m² | 1 · 106 m² | 11.6 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 767 EUR awarded · 767 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 767 EUR | 767 EUR |
Schemes
Similar companies · same sector, comparable size
CONAC
BE 0435.727.760
Brussel · Eq €1,441,178
SmartBe
BE 0806.201.741
Sint-Gillis (bij-Brussel) · Eq €1,447,853
Catsand Investments
BE 0770.980.645
Wervik · Eq €1,454,002
DE BAETS DIENSTVERLENING
BE 0406.369.127
Gent · Eq €1,425,525
TERTIUS
BE 0862.203.009
Lommel · Eq €1,456,563
Of 11,219 companies in sector 82100 we hold annual accounts for 3,509. 1,282 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formNon-profit association
Founded19-12-1972
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
94110Activities of business and employers' organisations
E-invoicing
Reachable via Peppol
Peppol ID
0208:0412936621
Also
9925:BE0412936621
Registered
30-12-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.