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ACCY

Active
Private limited companyfounded 2001active for 25 yearsRue du Ruisseau 3, 4357 Donceel, BelgiumKBO/BCE: BE 0473.838.862
Summary

The computed 12-month bankruptcy probability of ACCY is 5.6% (elevated). The 2024 annual accounts show equity of €40,282 and a net result of €19,117. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 15,474 sector peers (NACE 46, financial year 2024). The company has been active since 2001 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 1 administrative register entry (see administrative flags).

Overview

Activity
Agents in non-specialised wholesale trade
NACE 46190Office administrative and support services NACE 82100
4th largest company by total assets in Donceel, Wholesale and retail trade sector2 sites
Size
€445,061total assets 2024
Equity
€40,282
Profit
€19,117
Turnover not published (micro format)
Financial health
38 Weak Checked score 2024
Bankruptcy probabilitywithin 12 months
5.6%
Structure
Accounts 79 days overdue1 of 3 deeds read
Why 38raises riskFigures for financial year 2024 (filed 03-10-2025)1 change of registered office in 24 months1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 latelowers riskFounded in 2001Show the evidence

Checked score

Score 2024
38 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 54% of its sector peers (NACE 46, micro)
Financial strength · tick = 2023
Average
Solvency 34-1
equity 9.1% of total assets
Liquidity 41-1
short-term debt 25.8% · cash 1.0%
Profitability 74-19
return on assets 4.3%
Bankruptcy probability, 12 months
5.6% Elevated
0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,876 companies, NACE 46, micro)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● unchanged vs 11-2024 01-2025: 0.5%● unchanged vs 12-2024lowest value 02-2025: 1.2%▲ +0.7 percentage points vs 01-2025 03-2025: 1.2%● unchanged vs 02-2025 04-2025: 1.3%▲ +0.1 percentage points vs 03-2025 05-2025: 1.5%▲ +0.2 percentage points vs 04-2025 06-2025: 1.5%● unchanged vs 05-2025 07-2025: 1.6%▲ +0.1 percentage points vs 06-2025 08-2025: 2.2%▲ +0.6 percentage points vs 07-2025 09-2025: 2.8%▲ +0.6 percentage points vs 08-2025 10-2025: 4.5%▲ +1.7 percentage points vs 09-2025 11-2025: 2.1%▼ -2.4 percentage points vs 10-2025 12-2025: 2.1%● unchanged vs 11-2025 01-2026: 2.0%▼ -0.1 percentage points vs 12-2025 02-2026: 2.1%▲ +0.1 percentage points vs 01-2026 03-2026: 2.0%▼ -0.1 percentage points vs 02-2026 04-2026: 2.1%▲ +0.1 percentage points vs 03-2026 05-2026: 2.5%▲ +0.4 percentage points vs 04-2026 06-2026: 2.4%▼ -0.1 percentage points vs 05-2026 07-2026: 2.4%● unchanged vs 06-2026 08-2026: 3.1%▲ +0.7 percentage points vs 07-2026 09-2026: 3.8%▲ +0.7 percentage points vs 08-2026 10-2026: 5.6%▲ +1.8 percentage points vs 09-2026highest value
Credit of up to €1,500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity insufficient (current ratio 0.55, compared with 0.5 in 2023, below 1; short-term debt: 25.8% and cash: 1% of total assets), and 90.9% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro): better than 23% on solvency, 39% on liquidity, 61% on profitability and 93% on growth.

The bankruptcy probability was computed on 17-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.
lowers riskraises riskneutral
raises risk · Figures for financial year 2024 (filed 03-10-2025)
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Founded in 2001
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late
NBB · filings
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 79 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline18-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
61 days late
2023
31 days late
2022
1 day early
2021
22 days late
2020
7 days early
2019
12 days 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 20 days after the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publications
Publications
Strikeout withdrawal
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Resignation: CASTRO (manager)Appointment: CASTRO (director) · Amendment…
  3. Annual accounts filedfinancial year 2023 · micro…

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 79 days late View
  • Positive: 4th largest company by total assets in Donceel, Wholesale and retail trade…in the Checked rankings No. 4 View
  • Active since 2001founded 17-01-2001 25 years View

By topic

Financials

Financial year
2024
Total assets
€445,061
Profit
€19,117
Solvency
9.1%
Total assets▲ 115%
Net result
20182024
Go to Financials

Timeline

Events
25
Since
2002
  1. 31-12-2023Back to profit
  2. 30-07-2023Annual accounts filed
  3. 31-12-2022Weakest financial year
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Agents in non-specialised wholesale tradeNACE 46190
Founded
17-01-2001
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
29
Annual meeting
Second Wednesday of May at 18:00
Purpose
“Effectuer tous travaux de bureau tels que l'administration et le secrétariat, la…” (deed in French)
Go to Articles of association

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