Equity
-€2,954
Debts exceed assets in financial year 2025.
ACIRIS
Overview
Lifetime
1 annual account with figurespeak -€5,580 (2025)
-€5,580
lowest -€7,954 (2025)
-€7,954
peak -€2,954 (2025)
-€2,954
€5,000
Board1 name since 2024
1 directorLOWARD Aurélien Frédéric Jacques
Documentsfilings and deeds
29-08-202629 days late
2025micro format
Loss of €7,954First year with figures
Key points
from the 2025 annual accountsStarting capital
€5,000 500 shares
Position in the sector
-144.4%
Lower solvency than 92% of companies in wholesale trade. Sector median 40.4% · 13,805 companies.
2025 accounts filed 29 days after the deadlineTurnover not published (micro format)
Checked score
53
Fair
Financially stronger than 21% of micro companies in wholesale trade (NACE 46)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 1.6%
12-2025: 1.7%▲ +0.1 percentage points vs 11-2025
01-2026: 1.7%● unchanged vs 12-2025
02-2026: 2.1%▲ +0.4 percentage points vs 01-2026
03-2026: 2.1%● unchanged vs 02-2026
04-2026: 2.3%▲ +0.2 percentage points vs 03-2026
05-2026: 2.6%▲ +0.3 percentage points vs 04-2026highest value
06-2026: 2.6%● unchanged vs 05-2026highest value
07-2026: 2.5%▼ -0.1 percentage points vs 06-2026
08-2026: 2.5%● unchanged vs 07-2026
09-2026: 1.2%▼ -1.3 percentage points vs 08-2026lowest value
10-2026: 1.3%▲ +0.1 percentage points vs 09-2026
11-2026: 1.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Founded in 2024
Negative equity -€2,954
lowers risk
Liquidity: current ratio 0.41, cash €1,876
Size: total assets €2,046
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 46, micro). It does better than 6% of them on solvency, 51% on liquidity and 6% on profitability.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as ACIRIS has now. Each dot stands for 20 companies, two years later.
84.7%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ACIRIS itself is lower: 1.3% within 12 months. It rests on far more data about ACIRIS than the profile alone.
Test of the method
The method was tested on the 497,447 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 7,639 companies, not a prediction for ACIRIS. 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.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
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
Six signals.
lowers riskraises risk
raises risk · 2025 accounts filed 29 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
29 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1015078571
Incorporation
Founding capital of €5,000, 500 shares · Founder: LOWARD Aurélien Frédéric Jacques · Appointment: LOWARD Aurélien Frédéric Jacques (director) · published on 16-10-2024 · Gazette deed
First establishment
Waterloose Steenweg 200, Sint-Genesius-Rode
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ACIRIS Braine-le-Château | €2,046 | -€5,580 | -144.4% | - |
| SELLERIUS Woluwe-Saint-Pierre | €1,774 | -€6,915 | -164.3% | - |
| ARCHITELLO Leuven | €2,533 | -€3,180 | -8.7% | - |
| Profili Neo-N Dilbeek | €2,552 | -€3,000 | -102.6% | - |
| B2E Concept Châtelet | €1,770 | €837 | 85.3% | - |
| CHEZ BANGO Uccle | €2,809 | -€389 | 92.9% | - |
| HNA Energie Antwerp | €1,931 | -€13,501 | -373.2% | - |
These companies have the same main activity as ACIRIS: agents in non-specialised wholesale trade (NACE 46190). They are comparable in size and age: total assets between €1,770 and €2,810, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 14-10-2024Normal situation
- Registered office
- 21 active companies are registered at this address3 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Agents in non-specialised wholesale tradeNACE 46190
- Establishment unit
- 2.365.569.8801640 Sint-Genesius-Rode, since 14-10-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 16-01-2026
Insights on ACIRIS
ACIRIS has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€2,954) and a net result of -€7,954.
Its solvency ranks better than 7% of 13,805 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 29-08-2026, 29 days late-€5,580
-€7,902
-€7,954
-€2,954
-
-
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €2,046 on 31-12-2025What the company ownsHow it is paid for
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
2,046 | |
29/58 |
2,046 | |
40/41 |
170 | |
41 |
170 | |
54/58 |
1,876 | |
| Balance sheet: equity and liabilities | ||
10/49 |
2,046 | |
10/15 |
-2,954 | |
10/11 |
5,000 | |
14 |
-7,954 | |
17/49 |
5,000 | |
42/48 |
5,000 | |
47/48 |
5,000 | |
| Income statement | ||
9900 |
-5,580 | |
630 |
1,240 | |
640/8 |
982 | |
66A |
100 | |
9901 |
-7,902 | |
65/66B |
52 | |
65 |
52 | |
9903 |
-7,954 | |
9904 |
-7,954 | |
9905 |
-7,954 | |
| Appropriation of the result | ||
9906 |
-7,954 | |
| Document | ||
The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 29-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 29 days after the deadline. Filed on 29 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00451250.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 29-08-2026 | 2026-00451250 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| -6,662 | ||
| -6,714 | ||
| -2,954 | ||
| -128.12 |
The ratios are withheld because a balance sheet total of €2,046 is too small for a meaningful ratio.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on ACIRIS
Equity is negative. Debt (€5,000) exceeds the balance-sheet total (€2,046).
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 16-10-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 29-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “représentés et en cas d'abstention de l'un ou plusieurs d'entre eux, à la majorité des autres administrateurs. En cas de partage, la…”deed of 16-10-2024
Mandates through the years
1 name, the dashed line is todayLOWARD Aurélien Frédéric Jacques
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- LOWARD Aurélien Frédéric Jacques
- Director (not named in the articles), appointed by deed of 16-10-2024, still in office
Control
Capital
- Contribution
- €5,000
- Shares
- 500
- Contribution per share
- €10
- Equity per share
- -€5.91 in 2025
- Source
- deed of 16-10-2024
Articles of association
deed of 16-10-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Partage,proposition rejetée, chaque administrateur peut donner procuration à un autre administrateur”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 15:00
Founder
At incorporation
deed of 16-10-2024 ↗
- LOWARD Aurélien Frédéric Jacques sole founder · 100% at incorporation
Network & group
No group
ACIRIS has no parent and no holdings in its annual accounts. LOWARD Aurélien Frédéric Jacques is the only director. ACIRIS shares no director with another company.
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 29 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1015078571
2024
IncorporationFounding capital of €5,000, 500 shares · Founder: LOWARD Aurélien Frédéric Jacques · Appointment: LOWARD Aurélien Frédéric Jacques (director) · published on 16-10-20245 points ▸
- Founder, LOWARD Aurélien Frédéric Jacques
- Founding capital, €5,000, 500 shares
- Registered office clause, avenue Reine Astrid 16, 1440 Braine-le-Château
- Board rule, 1
- Director appointment, LOWARD Aurélien Frédéric Jacques (director (not named in the articles))
- The deed holds 1 more point.
First establishment Waterloose Steenweg 200, Sint-Genesius-Rode
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1015.078.571
- VAT number
- BE 1015.078.571
- Peppol ID
- 0208:1015078571
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 14-10-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 15:00deed of 16-10-2024 (in French)
- Peppol
- Reachable since 16-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- ACIRIS in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 16-10-2024 (in French)
Activities
NACEBEL 202546190
Agents in non-specialised wholesale trade main activity
Codes under NACEBEL 2008
46190
Wholesale trade main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L'importation et l`exportation de produits alimentaires; L'importation et l'exportation de toutes marchandises destinées au continent…”deed of 16-10-2024 (in French)
8 activities
- L'importation et l`exportation de produits alimentaires
- L'importation et l'exportation de toutes marchandises destinées au continent africain
- La vente en gros et au détail de produits alimentaires
- L'exploitation et la gestion de grandes et moyennes surfaces
- Le stockage et la distribution de toutes sortes de produits alimentaires et non alimentaires
- Le courtage et l'intermédiation d'acquisition de denrées alimentaires,d'électro-ménagers de meubles,d'outillage,de textile,de produits de mercerie et de décoration pour tous les acheteurs internationaux
- L'organisation des services de logistique et de dédouanement
- La gestion et le conseil dans ce domaine
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Avenue Reine Astrid (W-B) 16 registered office 1440 Braine-le-Château | ||
| Waterloose Steenweg 200 1640 Sint-Genesius-Rode | 14-10-2024 | 2.365.569.880 |
Buildings and parcels at the addresses
- Ground area
- 1.3 ha
- Buildings
- 2,856 m²
- Volume, LiDAR
- 24,406 m³
- Tallest building
- 23.0 m
Buildings to scale, each on its own parcel
Parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 22552E0048/00Z025 | Flanders | 7,308 m² | 1 · 1,453 m² | 23.0 m · 4 |
| 25111A0606/00Z002 | Wallonia | 5,350 m² | 1 · 1,402 m² | 7.0 m · 2 |