Equity
ACL Software has made a profit in every financial year since 2023.
In July 2024, 39,326 companies had the same profile as ACL Software has now. Each dot stands for 99 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,762 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 39,326 companies, not a prediction for ACL Software. 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.
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.
| Company | ||||
|---|---|---|---|---|
| ACL Software Namur | €129,965 | €47,211 | 82.7% | - |
| ELLEGLANCE Eghezée | €119,378 | €41,312 | 96.4% | - |
| Cloud-Duo Wijnegem | €130,912 | €48,412 | 83.9% | - |
| BOYAVAL CONSULTANCY Ixelles | €131,683 | €47,149 | 39.5% | - |
| Digital Zenium Uccle | €130,308 | €49,910 | 79.7% | - |
| NIVA Solutions Hasselt | €124,195 | €48,930 | 48.4% | - |
| DODDLE Beveren-Kruibeke-Zwijndrecht | €126,733 | €45,003 | 39.3% | - |
These companies have the same main activity as ACL Software: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €119,000 and €132,000, founded between 2022 and 2023.
ACL Software files the micro format. That format states no turnover. The gross margin rose from €43,221 in 2023 to €47,211 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €160,000. Estimated: probably between €130,000 and €230,000.
Higher than 78% of 22,044 companies in 2025.
Higher than 76% of 21,344 companies in 2025.
Higher than 64% of 21,535 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
129,965 | 94,663 | 60,369 | |
21/28 |
15,272 | 17,157 | 54 | |
22/27 |
15,218 | 17,103 | - | |
26 |
15,218 | 17,103 | - | |
28 |
54 | 54 | 54 | |
29/58 |
114,693 | 77,505 | 60,315 | |
40/41 |
2,300 | 75 | 23 | |
40 |
2,300 | 75 | 23 | |
54/58 |
111,467 | 76,363 | 59,276 | |
490/1 |
926 | 1,067 | 1,016 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
129,965 | 94,663 | 60,369 | |
10/15 |
107,541 | 71,979 | 40,070 | |
10/11 |
6,000 | 6,000 | 6,000 | |
13 |
600 | 600 | 600 | |
130/1 |
600 | 600 | 600 | |
1311 |
600 | 600 | 600 | |
14 |
100,941 | 65,379 | 33,470 | |
17/49 |
22,424 | 22,684 | 20,300 | |
42/48 |
22,424 | 22,684 | 20,300 | |
44 |
1,189 | 7,344 | 4,109 | |
440/4 |
1,189 | 7,344 | 4,109 | |
45 |
13,977 | 14,362 | 14,608 | |
450/3 |
13,977 | 14,194 | 14,608 | |
454/9 |
- | 168 | - | |
47/48 |
7,258 | 977 | 1,583 | |
| Income statement | ||||
9900 |
47,211 | 42,615 | 43,221 | |
630 |
1,885 | 1,747 | - | |
640/8 |
192 | 186 | 101 | |
9901 |
45,134 | 40,682 | 43,120 | |
75/76B |
50 | 11 | - | |
75 |
50 | 11 | - | |
65/66B |
357 | 240 | 83 | |
65 |
357 | 240 | 83 | |
9903 |
44,828 | 40,453 | 43,038 | |
67/77 |
9,265 | 8,544 | 8,968 | |
9904 |
35,563 | 31,909 | 34,070 | |
9905 |
35,563 | 31,909 | 34,070 | |
| Appropriation of the result | ||||
9906 |
100,941 | 65,379 | 34,070 | |
14P |
65,379 | 33,470 | - | |
691/2 |
- | - | 600 | |
6921 |
- | - | 600 | |
| Document | ||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 24-06-2026.
| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 47,019 | 42,429 | - | ||
| 37,448 | 33,657 | - | ||
| 0 | 18,850 | 54 | ||
| 35,103 | 17,087 | - | ||
| 92,269 | 54,821 | 40,015 | ||
| 82.7% | 76.0% | 66.4% | ||
| 5.11 | 3.42 | 2.97 | ||
| 0.21 | 0.32 | 0.51 | ||
| 33.1% | 44.3% | 85.0% | ||
| 27.4% | 33.7% | 56.4% | ||
| over 100 | over 100 | - |
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.
| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | - | €18,850 | - |
| Financial fixed assets | - | - | €54 |
| €1,885 | €1,747 | - |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 11% higher than in 2024 and the highest since 2023. It is a recovery after the fall in 2024.
Debt's share of the balance-sheet total falls from 24.0% to 17.3%. Equity is higher and debt is lower.
ACL Software has no parent and no holdings in its annual accounts. is the only director. ACL Software shares no director with another company.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Chaussée de Nivelles 315 registered office 5020 Namur | 13-02-2023 | 2.342.923.647 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 92123C0139/00E000 | 723 m² | 1 · 186 m² | 9.1 m · 2 |
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