ACHELIA
ActiveThe computed 12-month bankruptcy probability of ACHELIA is 2.2% (moderate). The annual accounts of ACHELIA for fiscal year 2025 show a net loss of 84% of the equity at the start of that year. The 2025 annual accounts show equity of €2k and a net result of €-10k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 23% of 18039 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
24
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-49
Solvency27▼-5
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.92 against 1.05 in 2024; short-term debt: 94.9% and cash: 0% of total assets), and 98.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2025Solvency, return and age of the figures
Solvency
1.5%
Return on assets
-7.8%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year €-10k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 18039 sector peers (2025).
NBB · sector comparisonPosition among 18039 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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 · 5 filingsDeviation from the deadline
2025
18 d late
2024
19 d late
2023
26 d late
2022
24 d late
2021
12 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 83.7%
2024 · €11k
2021: €5k
2022: €11k
2023: €12k
2024: €11k
2021 → 2025
Total assets
€122k▼ 21.2%
2024 · €155k
2021: €103k
2022: €178k
2023: €177k
2024: €155k
2021 → 2025
Net result
€-10k▼ 3,506%
2024 · €-264
2021: €3k
2022: €6k
2023: €664
2024: €-264
2021 → 2025
Working capital
€-9k
2024 · €6k
2021: €9k
2022: €52k
2023: €12k
2024: €6k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€11k▲ 121%€12k▲ 6.1%€11k▼ 2.3%€2k▼ 83.7%
Operating result€4k-€9k▲ 132%€4k▼ 53.9%€631▼ 85.0%€-8k
Net result€3k-€6k▲ 104%€664▼ 88.9%€-264€-10k▼ 3,506%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €631 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€15k▼ 31.6%
Current assets
€107k▼ 19.5%
Equity and liabilities €122k
Equity
€2k▼ 83.7%
Debt
€121k▼ 16.3%
The debt ratio rises from 92.7% to 98.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-1k▼
2024 · €8k
Cash flow
€-2k▼
2024 · €7k
Solvency
1.5%▼
2024 · 7.3%
Current ratio
0.92▼
2024 · 1.05
Quick ratio
0.02▼
2024 · 0.07
Debt / equity
64.92▲
2024 · 12.68
ROE
-511.7%▼
2024 · -2.3%
ROA
-7.8%▼
2024 · -0.2%
Interest coverage
-1.34▼
2024 · 4.75
Debt
€121k▼
2024 · €144k
Debt ≤ 1 year
€116k▼
2024 · €127k
Debt > 1 year
€4k▼
2024 · €17k
Income taxes
€-21▲
2024 · €-717
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€155k€122k▼
Fixed assets21/28€22k€15k▼
Tangible fixed assets22/27€22k€15k▼
Furniture and vehicles24€22k€15k▼
Current assets29/58€133k€107k▼
Stocks and contracts in progress3€125k€105k▼
Stocks30/36€125k€105k▼
Amounts receivable within one year40/41€8k€2k▼
Trade receivables40€8k€2k▼
Other amounts receivable41€40€29▼
Cash at bank and in hand54/58€25€24▼
Equity and liabilities
Total equity and liabilities10/49€155k€122k▼
Equity10/15€11k€2k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€9k€-143▼
Amounts payable17/49€144k€121k▼
Amounts payable after more than one year17€17k€4k▼
Financial debts170/4€17k€4k▼
Amounts payable within one year42/48€127k€116k▼
Current portion of amounts payable after more than one year42€12k€13k▲
Trade debts44€616-
Suppliers440/4€616-
Taxes, remuneration and social security45€6k€1k▼
Taxes450/3€6k€1k▼
Other amounts payable47/48€108k€102k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€125€225▲
Gross operating margin9900€8k€-1k▼
Operating profit (loss)9901€631€-8k▼
Financial income75/76B€5€47▲
Recurring financial income75€5€47▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-980€-10k▼
Income taxes67/77€-717€-21▲
Profit (loss) for the period9904€-264€-10k▼
Profit (loss) for the period to be appropriated9905€-264€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-143▼
Profit (loss) brought forward from the previous period14P€10k€9k▼
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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Highest result since 2021net €6k ▲104%
Operating result €9k, net result €6k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Vilvoorde · 1 establishment unit since 2021
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.
Seringenstraat 191800 VilvoordeGround area
233 m²
Building footprint
76 m²
Volume, LiDAR
421 m³
Parcel 23643G0354/00K005, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Seringenstraat 19, 1800 Vilvoorde
since 20212.314.319.139
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23643G0354/00K005 | Flanders | 232 m² | 1 · 76 m² | 9.5 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.
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Of 12,985 companies in sector 47120 we hold annual accounts for 2,186. 616 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-03-2021
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.