Summary
Achnan 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 €111,772 and a net result of €17,144. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 88% of 2464 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 08-06-2026, 53 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
53 d early
2024
52 d early
2023
50 d early
2022
10 d early
2021
31 d late
2020
30 d 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 17 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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. Usually files around 12 June (4 of the last 5 filed years within 39 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 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 check 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?Public money What changed in the latest annual accounts?What changed
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, micro schema
Equity
€111,772▼ 15.5%
2024 · €132,214
Net result
€17,144
2024 · -€14,864
Total assets
€125,375▼ 13.9%
2024 · €145,574
Solvency
89.1%▼ 1.7pp
2024 · 90.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€90,874▲ 50.0%€4,022▼ 95.6%€9,387▲ 133%-€15,728€22,582
Net result€64,756within the sector's middle half▲ 59.0%€60below the sector's middle half▼ 99.9%€5,562within the sector's middle half▲ 9,162%-€14,864below the sector's middle half€17,144within the sector's middle half
Equity€170,245within the sector's middle half▲ 60.2%€170,305within the sector's middle half=€175,034within the sector's middle half▲ 2.8%€132,214within the sector's middle half▼ 24.5%€111,772within the sector's middle half▼ 15.5%
Total assets€196,062within the sector's middle half▲ 58.8%€181,467within the sector's middle half▼ 7.4%€196,468within the sector's middle half▲ 8.3%€145,574within the sector's middle half▼ 25.9%€125,375below the sector's middle half▼ 13.9%
Debt€25,817▲ 50.2%€11,163▼ 56.8%€21,434▲ 92.0%€13,361▼ 37.7%€13,603▲ 1.8%
Working capital€157,381within the sector's middle half▲ 55.9%€155,668within the sector's middle half▼ 1.1%€148,423within the sector's middle half▼ 4.7%€109,328within the sector's middle half▼ 26.3%€91,100within the sector's middle half▼ 16.7%
Solvency86.8%above the sector's middle half▲ 0.7pp93.8%above the sector's middle half▲ 7.0pp89.1%above the sector's middle half▼ 4.8pp90.8%above the sector's middle half▲ 1.7pp89.1%above the sector's middle half▼ 1.7pp
Current ratio7.65above the sector's middle half▲ 0.7515.37above the sector's middle half▲ 7.7213.11above the sector's middle half▼ 2.2612.22above the sector's middle half▼ 0.907.70above the sector's middle half▼ 4.52
Return on assets (ROA)33.0%above the sector's middle half=0.0%below the sector's middle half▼ 33.0pp2.8%within the sector's middle half▲ 2.8pp-10.2%below the sector's middle half▼ 13.0pp13.7%within the sector's middle half▲ 23.9pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €22,582 after a loss of €15,728 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125,375
Fixed assets
€20,671 ▼ 22.0%
Current assets
€104,704 ▼ 12.1%
Equity and liabilities €125,375
Equity
€111,772 ▼ 15.5%
Debt
€13,603 ▲ 1.8%
Debt's share of the balance-sheet total rises from 9.2% to 10.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
15.3%▲
2024 · -11.2%
Debt ≤ 1 year
€13,603▲
2024 · €9,745
Income taxes
€5,291▲
2024 · €385
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €494 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,026 | €2,792 | €5,608 | €9,705 | €9,080 | ▼ 6.4% |
| Other operating charges640/8 | €1,603 | €1,349 | €2,675 | €2,583 | €1,222 | ▼ 52.7% |
| Non-recurring operating charges66A | - | €493 | - | - | - | - |
| Gross operating margin9900 | €95,503 | €8,655 | €17,670 | -€3,440 | €32,884 | ▲ 1,056% |
| Operating profit (loss)9901 | €90,874 | €4,022 | €9,387 | -€15,728 | €22,582 | ▲ 244% |
| Financial income75/76B | €227 | €824 | €1,511 | €1,927 | €451 | ▼ 76.6% |
| Recurring financial income75 | €227 | €824 | €1,511 | €1,927 | €451 | ▼ 76.6% |
| Financial charges65/66B | €1,112 | €1,452 | €771 | €678 | €598 | ▼ 11.8% |
| Recurring financial charges65 | €1,112 | €1,452 | €771 | €678 | €598 | ▼ 11.8% |
| Profit (loss) for the period before taxes9903 | €89,989 | €3,394 | €10,127 | -€14,479 | €22,435 | ▲ 255% |
| Income taxes67/77 | €25,233 | €3,334 | €4,565 | €385 | €5,291 | ▲ 1,275% |
| Profit (loss) for the period9904 | €64,756 | €60 | €5,562 | -€14,864 | €17,144 | ▲ 215% |
| Profit (loss) for the period to be appropriated9905 | €64,756 | €60 | €5,562 | -€14,864 | €17,144 | ▲ 215% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €196,062 | €181,467 | €196,468 | €145,574 | €125,375 | ▼ 13.9% |
| Fixed assets21/28 | €15,024 | €14,967 | €35,793 | €26,501 | €20,671 | ▼ 22.0% |
| Intangible fixed assets21 | - | €2,305 | €1,835 | €1,365 | €895 | ▼ 34.4% |
| Tangible fixed assets22/27 | €15,024 | €12,662 | €33,958 | €25,136 | €19,776 | ▼ 21.3% |
| Furniture and vehicles24 | €1,919 | €1,220 | €16,044 | €10,143 | €5,723 | ▼ 43.6% |
| Other tangible fixed assets26 | €13,105 | €11,443 | €17,913 | €14,993 | €14,054 | ▼ 6.3% |
| Current assets29/58 | €181,038 | €166,500 | €160,675 | €119,073 | €104,704 | ▼ 12.1% |
| Amounts receivable within one year40/41 | €28,026 | €36,200 | €38,737 | €20,908 | €1,341 | ▼ 93.6% |
| Trade receivables40 | €17,450 | €10,432 | €861 | €899 | €20 | ▼ 97.8% |
| Other amounts receivable41 | €10,576 | €25,768 | €37,877 | €20,010 | €1,321 | ▼ 93.4% |
| Current investments50/53 | - | €9,802 | €39,273 | €11,273 | €44,274 | ▲ 293% |
| Cash at bank and in hand54/58 | €150,985 | €117,704 | €79,423 | €83,844 | €54,276 | ▼ 35.3% |
| Deferred charges and accrued income490/1 | €2,027 | €2,794 | €3,242 | €3,049 | €4,813 | ▲ 57.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €196,062 | €181,467 | €196,468 | €145,574 | €125,375 | ▼ 13.9% |
| Equity10/15 | €170,245 | €170,305 | €175,034 | €132,214 | €111,772 | ▼ 15.5% |
| Contributions10/11 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Reserves13 | €168,745 | €168,805 | €173,534 | €130,714 | €110,272 | ▼ 15.6% |
| Non-distributable reserves130/1 | €150 | €150 | €150 | €150 | €150 | = |
| Reserves not available under the articles1311 | €150 | €150 | €150 | €150 | €150 | = |
| Distributable reserves133 | €168,595 | €168,655 | €173,384 | €130,564 | €110,122 | ▼ 15.7% |
| Amounts payable17/49 | €25,817 | €11,163 | €21,434 | €13,361 | €13,603 | ▲ 1.8% |
| Amounts payable after more than one year17 | - | - | €8,852 | €3,615 | - | - |
| Financial debts170/4 | - | - | €8,852 | €3,615 | - | - |
| Amounts payable within one year42/48 | €23,657 | €10,833 | €12,253 | €9,745 | €13,603 | ▲ 39.6% |
| Current portion of amounts payable after more than one year42 | - | - | €5,021 | €5,236 | €3,615 | ▼ 31.0% |
| Trade debts44 | €6,166 | €3,257 | €2,948 | €1,378 | €2,787 | ▲ 102% |
| Suppliers440/4 | €6,166 | €3,257 | €2,948 | €1,378 | €2,787 | ▲ 102% |
| Taxes, remuneration and social security45 | €16,692 | €7,576 | €3,451 | €3,131 | €5,261 | ▲ 68.0% |
| Taxes450/3 | €15,237 | €7,576 | €3,451 | €3,131 | €5,261 | ▲ 68.0% |
| Remuneration and social security454/9 | €1,455 | - | - | - | - | - |
| Other amounts payable47/48 | €800 | - | €833 | - | €1,941 | - |
| Accrued charges and deferred income492/3 | €2,160 | €330 | €330 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €64,756 | €60 | €5,562 | -€14,864 | €17,144 | ▲ 215% |
| + Depreciation and write-downs630 | €3,026 | €2,792 | €5,608 | €9,705 | €9,080 | ▼ 6.4% |
| Operating cash flow (approximation) | €67,781 | €2,852 | €11,170 | -€5,159 | €26,224 | ▲ 608% |
| Investment in fixed assets (approximation) | - | -€2,735 | -€26,434 | -€413 | -€3,251 | ▼ 687% |
| Change in cash | - | -€33,281 | -€38,282 | €4,421 | -€29,567 | ▼ 769% |
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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €17,144
Net result €17,144 after one loss-making year.
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€14,864
Net result drops to -€14,864, the lowest in the series; recovery starts the following year.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 15.37
Current ratio from 7.65 to 15.37; short-term debt falls from €23,657 to €10,833.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2020net €64,756 ▲59%
Operating result €90,874, net result €64,756, both a record.
31-12
Financial
Equity above €150,000Eq €170,245 ▲60.2%
2 profitable years in a row build equity to €170,245.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Roeselare · 1 establishment unit since 2016
Ground area
309 m²
Building footprint
79 m²
Volume, LiDAR
482 m³
Parcel 36504D0782/00E006, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Achnan
since 20162.252.446.995
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36504D0782/00E006 | Flanders | 309 m² | 1 · 79 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
2023 to 2025 · 3 entries · 1,575 EUR awarded · 1,575 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,478 EUR | 1,478 EUR |
| 2024 | 1 | 50 EUR | 50 EUR |
| 2023 | 1 | 47 EUR | 47 EUR |
Similar companies · same sector, comparable size
CLAIMS & SURVEYOR BUREAU
BE 0421.180.136
Antwerpen · Eq €112,089
Be Empowered
BE 0800.389.164
Gent · Eq €111,343
ND DETECT
BE 0894.918.337
Villers-la-Ville · Eq €111,146
EXPERTISE BUREAU HERMANNS
BE 0441.876.669
Kruisem · Eq €111,022
STUDIEBUREAU REYSERHOVE
BE 0474.168.167
Brugge · Eq €112,542
Of 853 companies in sector 66210 we hold annual accounts for 511. 439 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-03-2016
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
46190Agents in non-specialised wholesale trade
64921Financial service activities, except insurance and pension funding
64922Financial service activities, except insurance and pension funding
64999Other financial services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66220Insurance agents and brokers
Contact
E-mail
deinze@hypotheekwinkel.be
Phone
093115793
E-invoicing
Reachable via Peppol
Peppol ID
0208:0649955527
Also
9925:BE0649955527
Registered
04-02-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.