Summary
ACELIA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €631k and a net result of €6k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 2435 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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
7 d late
2024
3 d early
2023
5 d early
2022
17 d early
2021
34 d early
2020
33 d early
2019
1 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€631k▲ 0.9%
2024 · €625k
2018: €402k
2019: €450k
2020: €504k
2021: €568k
2022: €610k
2023: €567k
2024: €625k
2018 → 2025
Net result
€6k▼ 91.2%
2024 · €66k
2018: €56k
2019: €48k
2020: €54k
2021: €64k
2022: €42k
2023: €78k
2024: €66k
2018 → 2025
Total assets
€634k▼ 2.1%
2024 · €648k
2018: €416k
2019: €460k
2020: €524k
2021: €610k
2022: €621k
2023: €720k
2024: €648k
2018 → 2025
Solvency
99.5%▲ 3.0pp
2024 · 96.5%
2018: 96.6%
2019: 97.8%
2020: 96.1%
2021: 93.1%
2022: 98.3%
2023: 78.7%
2024: 96.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€568k-€610k▲ 7.4%€567k▼ 7.1%€625k▲ 10.3%€631k▲ 0.9%
Operating result€89k-€58k▼ 34.3%€109k▲ 86.8%€87k▼ 20.5%€6k▼ 93.3%
Net result€64k-€42k▼ 34.7%€78k▲ 87.3%€66k▼ 15.2%€6k▼ 91.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 93% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €634k
Fixed assets
€13k ▼ 11.4%
Current assets
€621k ▼ 1.8%
Equity and liabilities €634k
Equity
€631k ▲ 0.9%
Debt
€3k ▼ 85.9%
Debt's share of the balance-sheet total falls from 3.5% to 0.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.9%▼
2024 · 10.6%
ROA
0.9%▼
2024 · 10.3%
Debt ≤ 1 year
€2k▼
2024 · €22k
Income taxes
€3k▼
2024 · €22k
A ratio outside any meaningful range has been withheld (balance sheet total €634k, equity €631k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€648k€634k▼
Fixed assets21/28€15k€13k▼
Tangible fixed assets22/27€15k€13k▼
Furniture and vehicles24€15k€13k▼
Financial fixed assets28€50€50=
Current assets29/58€633k€621k▼
Amounts receivable within one year40/41€48k€7k▼
Trade receivables40€43k€5k▼
Other amounts receivable41€5k€3k▼
Cash at bank and in hand54/58€582k€612k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€648k€634k▼
Equity10/15€625k€631k▲
Contributions10/11€12k€12k=
Reserves13€543k€549k▲
Distributable reserves133€543k€549k▲
Profit (loss) carried forward14€70k€70k=
Amounts payable17/49€22k€3k▼
Amounts payable within one year42/48€22k€2k▼
Financial debts43€194-
Credit institutions430/8€194-
Trade debts44€4k€534▼
Suppliers440/4€4k€534▼
Taxes, remuneration and social security45€10k€2k▼
Taxes450/3€8k€2k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€8k-
Accrued charges and deferred income492/3€689€658▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€4k▲
Other operating charges640/8€834€703▼
Gross operating margin9900€89k€11k▼
Operating profit (loss)9901€87k€6k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€251€42▼
Recurring financial charges65€251€42▼
Profit (loss) for the period before taxes9903€89k€8k▼
Income taxes67/77€22k€3k▼
Profit (loss) for the period9904€66k€6k▼
Profit (loss) for the period to be appropriated9905€66k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€137k€76k▼
Profit (loss) brought forward from the previous period14P€70k€70k=
Transfer to equity691/2€59k€6k▼
To other reserves6921€59k€6k▼
Profit to be distributed694/7€8k-
Directors or managers695€8k-
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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
31-12
Financial
Weakest financial yearnet €6k ▼91.2%
Net result drops to €6k, the lowest in the series.
31-12
Financial
Liquidity times 9current ratio 249.29
Current ratio from 29.14 to 249.29; short-term debt falls from €22k to €2k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 6current ratio 29.14
Current ratio from 4.71 to 29.14; short-term debt falls from €153k to €22k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €78k ▲87.3%
Operating result €109k, net result €78k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 57.34
Current ratio from 14.46 to 57.34; short-term debt falls from €42k to €11k.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €500kEq €504k ▲12.1%
3 profitable years in a row build equity to €504k.
Show earlier events
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
28-07
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2003
Ground area
454 m²
Building footprint
101 m²
Parcel 25016A0176/00M002, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
ACELIA SPRL
since 20032.126.903.063
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25016A0176/00M002 | Wallonia | 454 m² | 1 · 101 m² | - |
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.
Similar companies · same sector, comparable size
Lommels ZK
BE 0788.344.041
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BARBARASSURE
BE 0795.484.627
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GARANTI FINANCE
BE 0820.831.915
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COVERASS
BE 0455.138.747
Brakel · Eq €630,044
SOLVAS RISK
BE 0437.928.769
Lievegem · Eq €628,851
Of 4,677 companies in sector 66220 we hold annual accounts for 3,221. 2,477 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2003
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
71121Engineering and related technical consultancy, excluding land surveyors
33190Repair, maintenance and installation of machinery and equipment
33200Installation of industrial machinery and equipment
66210Risk and damage evaluation
70200Business and other management consultancy
71209Other technical testing and analysis
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.