ACIO
ActiveSummary
ACIO has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50,625 and a net result of €5,810. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 32% of 22,774 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 05-03-2021 Normal situation
- Activity
- Retail sale of cars and light vans (up to 3.5 tonnes) NACE 47811and 3 others
- Joint committees
- 200 Aanvullend Paritair Comité voor de bedienden
- 112 Paritair Comité voor het garagebedrijf · annual accounts 2025
- Establishment unit
- 2.314.086.042 2880 Bornem, since 05-03-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 27-03-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.8%
Annual accounts 2025
- Gross margin
- €321,640
- ▲ 86.5%
- Turnover
- ≈ €2.8m
- estimated
- Profit
- €5,810
- ▼ 90.9%
- Equity
- €50,625
- ▲ 13.0%
- Total assets
- €410,776
- ▼ 1.2%
- Employees on 31-12-2025
- 4
- ▲ 100%
Score breakdownraises riskFounded in 2021Equity €50,625 (12.3% of total assets)Sector: Retail trade (NACE 47)lowers riskSize: total assets €410,776Show the evidence
Checked score
Score 2025
67
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 36% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency
37+1
equity 12.3% of total assets
Liquidity
22-3
short-term debt 72.6% · cash 9.2%
Profitability
40-48
return on assets 1.4%
Bankruptcy probability within 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.3%
01-2025: 2.3%● unchanged vs 12-2024
02-2025: 2.3%● unchanged vs 01-2025
03-2025: 2.2%▼ -0.1 percentage points vs 02-2025
04-2025: 2.3%▲ +0.1 percentage points vs 03-2025
05-2025: 2.4%▲ +0.1 percentage points vs 04-2025
06-2025: 2.4%● unchanged vs 05-2025
07-2025: 2.4%● unchanged vs 06-2025highest value
08-2025: 1.5%▼ -0.9 percentage points vs 07-2025
09-2025: 1.5%● unchanged vs 08-2025
10-2025: 1.5%● unchanged vs 09-2025
11-2025: 1.5%● unchanged vs 10-2025
12-2025: 1.6%▲ +0.1 percentage points vs 11-2025
01-2026: 1.5%▼ -0.1 percentage points vs 12-2025
02-2026: 1.6%▲ +0.1 percentage points vs 01-2026
03-2026: 1.6%● unchanged vs 02-2026
04-2026: 1.6%● unchanged vs 03-2026
05-2026: 1.8%▲ +0.2 percentage points vs 04-2026
06-2026: 1.8%● unchanged vs 05-2026
07-2026: 1.8%● unchanged vs 06-2026
08-2026: 0.8%▼ -1.0 percentage point vs 07-2026
09-2026: 0.8%● unchanged vs 08-2026
10-2026: 0.8%● unchanged vs 09-2026lowest value
11-2026: 0.8%● unchanged vs 10-2026lowest value
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.24 (1.31 in 2024), below the usual 1.5. Short-term debt is 72.6% and cash 9.2% of total assets. 87.7% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 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 47, micro). It does better than 29% of them on solvency, 20% on liquidity, 30% on profitability and 65% on growth.
The bankruptcy probability was computed on 02-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
17 days early
2023
34 days early
2022
60 days late
2021
24 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 3 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 14 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 31-07-2026 at the NBB all 5 filings
Turnover
≈ €2.8m
Estimated: probably between €1.4m and €4.1m
Total assets
€410,776▼ 1.2%
2024 · €415,697
Net result
€5,810▼ 90.9%
2024 · €63,763
Working capital
€70,729▼ 16.3%
2024 · €84,536
Multi-year overview
2021 to 2025, 5 financial yearsOperating result
€34,735
▼ 50.9%
2025
20212025
Net result
€5,810
▼ 90.9%
2025
middle half of the sector
20212025
Equity
€50,625
▲ 13.0%
2025
middle half of the sector
20212025
Total assets
€410,776
▼ 1.2%
2025
highest quarter of the sector
20212025
Debt
€360,152
▼ 2.9%
2025
20212025
Working capital
€70,729
▼ 16.3%
2025
middle half of the sector
20212025
Solvency
12.3%
▲ 1.5pp
2025
middle half of the sector
20212025
Current ratio
1.24
▼ 0.07
2025
middle half of the sector
20212025
Return on assets (ROA)
1.4%
▼ 13.9pp
2025
middle half of the sector
20212025
Staff (FTE)
3.1
▲ 138%
2025
20212025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20212022202320242025
Operating result€16,142--€86,947€36,043€70,743▲ 96.3%€34,735▼ 50.9%
Net result€13,312within the sector's middle half--€87,473below the sector's middle half€35,213above the sector's middle half€63,763above the sector's middle half▲ 81.1%€5,810within the sector's middle half▼ 90.9%
Equity€33,312within the sector's middle half--€54,161below the sector's middle half-€18,948below the sector's middle half▲ 65.0%€44,815within the sector's middle half€50,625within the sector's middle half▲ 13.0%
Total assets€92,873within the sector's middle half-€168,052within the sector's middle half▲ 80.9%€264,092within the sector's middle half▲ 57.1%€415,697above the sector's middle half▲ 57.4%€410,776above the sector's middle half▼ 1.2%
Debt€59,561-€222,214▲ 273%€283,040▲ 27.4%€370,882▲ 31.0%€360,152▼ 2.9%
Working capital€3,247within the sector's middle half--€24,536below the sector's middle half€14,116within the sector's middle half€84,536within the sector's middle half▲ 499%€70,729within the sector's middle half▼ 16.3%
Solvency35.9%within the sector's middle half--32.2%below the sector's middle half▼ 68.1pp-7.2%below the sector's middle half▲ 25.1pp10.8%within the sector's middle half▲ 18.0pp12.3%within the sector's middle half▲ 1.5pp
Current ratio1.06within the sector's middle half-0.85below the sector's middle half▼ 0.201.07within the sector's middle half▲ 0.221.31within the sector's middle half▲ 0.231.24within the sector's middle half▼ 0.07
Return on assets (ROA)14.3%above the sector's middle half--52.1%below the sector's middle half▼ 66.4pp13.3%above the sector's middle half▲ 65.4pp15.3%above the sector's middle half▲ 2.0pp1.4%within the sector's middle half▼ 13.9pp
Staff (FTE)1.33.1▲ 138%
above
within
below
The sector band is the middle half of the companies in Retail trade (NACE 47). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 51% lower than in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €410,776
Fixed assets
€41,829 ▼ 24.3%
Current assets
€368,948 ▲ 2.4%
Equity and liabilities €410,776
Equity
€50,625 ▲ 13.0%
Debt
€360,152 ▼ 2.9%
Debt's share of the balance-sheet total falls from 89.2% to 87.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€58,008▼
2024 · €89,971
Cash flow
€29,083▼
2024 · €82,991
Quick ratio
1.19▲
2024 · 0.86
Debt to equity
7.11▼
2024 · 8.28
ROE
11.5%▼
2024 · 142.3%
Interest coverage
2.38▼
2024 · 25.09
Debt ≤ 1 year
€298,219▲
2024 · €275,907
Debt > 1 year
€59,933▼
2024 · €90,000
Income taxes
€4,917▲
2024 · €3,533
Staff costs
€178,768▲
2024 · €66,457
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Staff
| Item | 31-12-2024 | 31-12-2025 |
|---|---|---|
| Employees at the balance-sheet date | 2 | 4 |
| full-time | 2 | 4 |
| part-time | 0 | 0 |
| in full-time equivalents | 2 | 4 |
| Average over the year, in full-time equivalents | 1.3 | 3.1 |
| On a permanent contract | 2 | 4 |
| Joined | 2 | 3 |
| Left | 0 | 1 |
Source: social balance sheet in the 2024 to 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €32,192 | €5,000 | €50,800 | €12,497 | €9,848 |
| Intangible fixed assets | €5,000 | - | - | €3,549 | - |
| Depreciation and write-downs of the year | €8,026 | €9,690 | €18,989 | €19,228 | €23,273 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €66,457 | €178,768 | ▲ 169% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,026 | €9,690 | €18,989 | €19,228 | €23,273 | ▲ 21.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €3,742 | €32,400 | ▲ 766% |
| Other operating charges640/8 | €449 | €8,326 | €10,676 | €12,264 | €13,593 | ▲ 10.8% |
| Non-recurring operating charges66A | - | - | - | - | €38,870 | - |
| Gross operating margin9900 | €24,617 | -€68,932 | €65,709 | €172,433 | €321,640 | ▲ 86.5% |
| Operating profit (loss)9901 | €16,142 | -€86,947 | €36,043 | €70,743 | €34,735 | ▼ 50.9% |
| Financial income75/76B | €390 | €205 | €150 | €138 | €367 | ▲ 166% |
| Recurring financial income75 | €390 | €205 | €150 | €138 | €367 | ▲ 166% |
| Financial charges65/66B | €141 | €731 | €980 | €3,586 | €24,376 | ▲ 580% |
| Recurring financial charges65 | €141 | €731 | €980 | €3,586 | €24,376 | ▲ 580% |
| Profit (loss) for the period before taxes9903 | €16,391 | -€87,473 | €35,213 | €67,295 | €10,727 | ▼ 84.1% |
| Income taxes67/77 | €3,079 | €0 | - | €3,533 | €4,917 | ▲ 39.2% |
| Profit (loss) for the period9904 | €13,312 | -€87,473 | €35,213 | €63,763 | €5,810 | ▼ 90.9% |
| Profit (loss) for the period to be appropriated9905 | €13,312 | -€87,473 | €35,213 | €63,763 | €5,810 | ▼ 90.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €92,873 | €168,052 | €264,092 | €415,697 | €410,776 | ▼ 1.2% |
| Formation expenses20 | €477 | €0 | - | - | - | - |
| Fixed assets21/28 | €30,838 | €26,625 | €58,436 | €55,254 | €41,829 | ▼ 24.3% |
| Intangible fixed assets21 | €4,247 | €3,247 | €2,247 | €4,794 | €3,084 | ▼ 35.7% |
| Tangible fixed assets22/27 | €26,591 | €23,378 | €56,190 | €50,460 | €38,745 | ▼ 23.2% |
| Plant, machinery and equipment23 | €21,458 | €20,558 | €16,214 | €15,786 | €7,975 | ▼ 49.5% |
| Furniture and vehicles24 | €5,133 | €2,820 | €39,976 | €34,674 | €30,770 | ▼ 11.3% |
| Current assets29/58 | €61,558 | €141,427 | €205,656 | €360,443 | €368,948 | ▲ 2.4% |
| Stocks and contracts in progress3 | - | - | €45,600 | €121,905 | €13,650 | ▼ 88.8% |
| Stocks30/36 | - | - | €45,600 | €121,905 | €13,650 | ▼ 88.8% |
| Amounts receivable within one year40/41 | €29,724 | €81,743 | €128,869 | €193,902 | €308,137 | ▲ 58.9% |
| Trade receivables40 | €29,724 | €81,743 | €128,869 | €193,902 | €308,121 | ▲ 58.9% |
| Other amounts receivable41 | - | - | - | - | €16 | - |
| Cash at bank and in hand54/58 | €31,347 | €56,618 | €21,125 | €33,235 | €37,606 | ▲ 13.2% |
| Deferred charges and accrued income490/1 | €487 | €3,066 | €10,063 | €11,401 | €9,555 | ▼ 16.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €92,873 | €168,052 | €264,092 | €415,697 | €410,776 | ▼ 1.2% |
| Equity10/15 | €33,312 | -€54,161 | -€18,948 | €44,815 | €50,625 | ▲ 13.0% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €13,000 | €0 | - | - | €5,810 | - |
| Distributable reserves133 | €13,000 | €0 | - | - | €5,810 | - |
| Profit (loss) carried forward14 | €312 | -€74,161 | -€38,948 | €24,815 | €24,815 | = |
| Amounts payable17/49 | €59,561 | €222,214 | €283,040 | €370,882 | €360,152 | ▼ 2.9% |
| Amounts payable after more than one year17 | - | €55,000 | €90,000 | €90,000 | €59,933 | ▼ 33.4% |
| Financial debts170/4 | - | €55,000 | €90,000 | €90,000 | €59,933 | ▼ 33.4% |
| Amounts payable within one year42/48 | €58,311 | €165,964 | €191,540 | €275,907 | €298,219 | ▲ 8.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €8,088 | - |
| Trade debts44 | €9,612 | €132,275 | €162,366 | €205,914 | €191,024 | ▼ 7.2% |
| Suppliers440/4 | €9,612 | €132,275 | €162,366 | €205,914 | €191,024 | ▼ 7.2% |
| Taxes, remuneration and social security45 | €15,951 | €21,932 | €12,116 | €34,886 | €88,828 | ▲ 155% |
| Taxes450/3 | €12,222 | €16,932 | €7,336 | €18,943 | €52,221 | ▲ 176% |
| Remuneration and social security454/9 | €3,728 | €5,000 | €4,780 | €15,943 | €36,607 | ▲ 130% |
| Other amounts payable47/48 | €32,748 | €11,756 | €17,059 | €35,107 | €10,279 | ▼ 70.7% |
| Accrued charges and deferred income492/3 | €1,250 | €1,250 | €1,500 | €4,975 | €2,000 | ▼ 59.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,312 | -€87,473 | €35,213 | €63,763 | €5,810 | ▼ 90.9% |
| + Depreciation and write-downs630 | €8,026 | €9,690 | €18,989 | €19,228 | €23,273 | ▲ 21.0% |
| Operating cash flow (approximation) | €21,338 | -€77,784 | €54,202 | €82,991 | €29,083 | ▼ 65.0% |
| Investment in fixed assets (approximation) | - | -€5,477 | -€50,800 | -€16,046 | -€9,848 | ▲ 38.6% |
| Change in cash | - | €25,271 | -€35,493 | €12,110 | €4,371 | ▼ 63.9% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 3,274 companies had the same profile as ACIO has now. Two years later, 94.7% were still going and 2.5% had gone bankrupt.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
94.7%
was still going
2.5%
stopped otherwise
2.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ACIO itself: 0.8% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,274 companies, not a prediction for ACIO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (5)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-07-2026 | 2026-00372032 | |
| 31-12-2024 | micro format | 14-07-2025 | 2025-00271058 | |
| 31-12-2023 | micro format | 27-06-2024 | 2024-00181817 | |
| 31-12-2022 | micro format | 29-09-2023 | 2023-00472959 | |
| 31-12-2021 | micro format | 07-07-2022 | 2022-20156970 |
Board & ownership
Directors
Directors
1 director, last change in 2021
Mario Wouters
Current
Owners and capital
Owners
Mandate history
2 people, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Mario Wouters |
|
| Steven Cleemput |
|
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
31-07
micro format · on the deadline day
2025
14-07
micro format · 17 days before the deadline
2024
31-12
Financial
Highest result from 2021 to 2025net €63,763 ▲81.1%
The operating result of €70,743 and the net result of €63,763 are both a record.
27-06
micro format · 34 days before the deadline
2023
31-12
Financial
Back to profitnet €35,213
The net result is €35,213, after one loss-making year.
29-09
micro format · 60 days late
2022
31-12
Financial
Weakest financial yearnet -€87,473
The net result drops to -€87,473, the lowest from 2021 to 2025. It recovers the following year.
07-07
micro format · 24 days before the deadline
07-01
Gazette deed
Registered office moved within BornemNew seat: Puursesteenweg 317, 2880 Bornem · Previous seat: 2880 Bornem, Cesar Van Kerckhovenstraat 123/A · Resignation: Steven Cleemput (director)6 points ▸
Gazette deed
Registered office moved within Bornem
New seat: Puursesteenweg 317, 2880 Bornem · Previous seat: 2880 Bornem, Cesar Van Kerckhovenstraat 123/A · Resignation: Steven Cleemput (director)6 points ▸
- General meeting, 01-12-2021
- Director resignation, Steven Cleemput (director)
- Other provision, “vervanging ontslagen bestuurder” (deed in Dutch)
- Board meeting, “bestuurder” (deed in Dutch)
- Registered-office move, Puursesteenweg 317, 2880 Bornem
- Director in office, Mario Wouters (director)
2021
09-03
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
ACIO in Dutch
Enterprise number
0764.724.343
Legal form
Private limited company
Status
Active, normale toestand
Founded
05-03-2021
Entity type
Legal entity
Registered office and establishments
Registered office
Puursesteenweg(BOR) 317, 2880 Bornem, Belgium
Establishment unit
ACIO, Puursesteenweg(BOR) 317, 2880 Bornem since 05-03-2021 · unit number 2.314.086.042
Activities
NACEBEL 2025VAT activities
47811
Retail sale of cars and light vans (up to 3.5 tonnes) main activity
47812
Retail trade
95311
General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95319
Other maintenance and repair of motor vehicles
Social security (RSZ) activities
95311
General maintenance and repair of cars and light vans (up to 3.5 tonnes) main activity
Codes under NACEBEL 2008
VAT activities
45113
main activity
45193
45201
45209
Social security (RSZ) activities
45201
main activity
Joint committees
200 Aanvullend Paritair Comité voor de bedienden
112 Paritair Comité voor het garagebedrijf annual accounts 2025
Invoicing and payment
VAT number
BE 0764.724.343
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Sites & property
Location
Buildings and parcels at the address
Ground area
7,240 m²
Building footprint
1,998 m²
Building volume
12,443 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 12007D0610/00H000 | Flanders | 7,240 m² | 1 · 1,998 m² | 7.6 m · 2 |