ACFIMA SPRL
ActiveACFIMA SPRL has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €120k and a net result of €86k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 72% of 14038 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency86▼-14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.16 against 4.04 in 2024; short-term debt: 39.4% and cash: 18.7% of total assets), and 39.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
60.6%
Return on assets
43.2%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
35 d early
2023
13 d late
2022
21 d late
2021
26 d late
2020
23 d early
2019
19 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€120k▼ 16.8%
2024 · €144k
2018: €31k
2019: €55k
2020: €76k
2021: €76k
2022: €95k
2023: €103k
2024: €144k
2018 → 2025
Total assets
€198k▲ 6.1%
2024 · €187k
2018: €47k
2019: €70k
2020: €111k
2021: €107k
2022: €115k
2023: €147k
2024: €187k
2018 → 2025
Net result
€86k▲ 35.6%
2024 · €63k
2018: €7k
2019: €33k
2020: €46k
2021: €45k
2022: €19k
2023: €35k
2024: €63k
2018 → 2025
Working capital
€91k▼ 29.7%
2024 · €129k
2018: €33k
2019: €57k
2020: €78k
2021: €76k
2022: €95k
2023: €101k
2024: €129k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€95k▲ 25.3%€103k▲ 8.4%€144k▲ 39.8%€120k▼ 16.8%
Operating result€52k-€66k▲ 26.3%€98k▲ 47.6%€84k▼ 14.5%€99k▲ 18.0%
Net result€45k-€19k▼ 57.6%€35k▲ 82.0%€63k▲ 80.4%€86k▲ 35.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 18% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €198k
Fixed assets
€29k▲ 93.1%
Current assets
€169k▼ 1.6%
Equity and liabilities €198k
Equity
€120k▼ 16.8%
Debt
€78k▲ 84.1%
The debt ratio rises from 22.7% to 39.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€106k▲
2024 · €84k
Cash flow
€93k▲
2024 · €64k
Solvency
60.6%▼
2024 · 77.3%
Current ratio
2.16▼
2024 · 4.04
Quick ratio
2.16▼
2024 · 4.04
Debt / equity
0.65▲
2024 · 0.29
ROE
71.3%▲
2024 · 43.7%
ROA
43.2%▲
2024 · 33.8%
Interest coverage
311.66▼
2024 · 346.77
Debt
€78k▲
2024 · €42k
Debt ≤ 1 year
€78k▲
2024 · €42k
Income taxes
€29k▲
2024 · €29k
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€187k€198k▲
Fixed assets21/28€15k€29k▲
Tangible fixed assets22/27€15k€29k▲
Plant, machinery and equipment23€14k€27k▲
Furniture and vehicles24€1k€3k▲
Current assets29/58€172k€169k▼
Amounts receivable within one year40/41€54k€45k▼
Trade receivables40€6k€838▼
Other amounts receivable41€48k€45k▼
Current investments50/53€108k€86k▼
Cash at bank and in hand54/58€9k€37k▲
Equity and liabilities
Total equity and liabilities10/49€187k€198k▲
Equity10/15€144k€120k▼
Contributions10/11€6k€6k=
Reserves13€138k€114k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€136k€112k▼
Profit (loss) carried forward14€219€0▼
Amounts payable17/49€42k€78k▲
Amounts payable within one year42/48€42k€78k▲
Trade debts44€107-
Suppliers440/4€107-
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€10k€8k▼
Other amounts payable47/48€33k€70k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€926€7k▲
Other operating charges640/8€388€400▲
Gross operating margin9900€85k€106k▲
Operating profit (loss)9901€84k€99k▲
Financial income75/76B€9k€17k▲
Recurring financial income75€9k€17k▲
Financial charges65/66B€244€339▲
Recurring financial charges65€244€339▲
Profit (loss) for the period before taxes9903€92k€115k▲
Income taxes67/77€29k€29k▲
Profit (loss) for the period9904€63k€86k▲
Profit (loss) for the period to be appropriated9905€63k€86k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€86k▲
Profit (loss) brought forward from the previous period14P€120€219▲
Transfer from equity791/2€7k-
Transfer to equity691/2€48k-
To other reserves6921€48k-
Profit to be distributed694/7€22k€86k▲
Return on contributions (dividend)694€22k€86k▲
The notes to these accounts (5 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €86k ▲35.6%
Operating result €99k, net result €86k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-12
Financial
Equity above €100kEq €103k ▲8.4%
6 profitable years in a row build equity to €103k.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-06
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
4 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, Waterloo · 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.
Avenue du Vert Bocage 491410 WaterlooGround area
909 m²
Building footprint
180 m²
Volume, LiDAR
1,159 m³
Parcel 25762H0281/00R000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue du Vert Bocage 49, 1410 Waterloo
since 20112.204.980.838
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25762H0281/00R000 | Wallonia | 909 m² | 1 · 180 m² | 8.6 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900BTMSVA1Y8YVY49
Similar companies · same sector, comparable size
CHARME IMMO
BE 0457.684.996
Grez-Doiceau · Eq €120k
ASAM
BE 0441.074.836
Overijse · Eq €120k
HemFre
BE 0751.620.534
Merchtem · Eq €120k
MaMa Real Estate
BE 0684.943.625
Sint-Pieters-Woluwe · Eq €120k
Immobiliën Carl Martens
BE 0870.925.188
Antwerpen · Eq €120k
Of 11,749 companies in sector 68310 we hold annual accounts for 6,907. 5,234 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-11-2011
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
46190Agents in non-specialised wholesale trade
47251Retail sale of wines and spirits
85699Other educational support services
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.