ACOBEL
ActiveACOBEL has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11.16M and a net result of €275k. Equity is growing by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 52% of 8623 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-18
Solvency80▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €700k at 30 days acceptable
Liquidity short (current ratio 0.01 against 0.02 in 2024; short-term debt: 44.7% and cash: 0.4% of total assets), and 44.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
55.3%
Return on assets
1.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 8 filingsDeviation from the deadline
2025
28 d late
2024
20 d late
2023
28 d early
2022
30 d late
2021
30 d early
2020
20 d late
2019
18 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€275k▼ 84.4%
2024 · €1.77M
2018: €-15k
2019: €1.47M
2020: €711k
2021: €712k
2022: €1.53M
2023: €2.09M
2024: €1.77M
2018 → 2025
Working capital
€-8.93M▲ 3.1%
2024 · €-9.22M
2018: €-17.49M
2019: €-16.03M
2020: €-15.32M
2021: €-14.61M
2022: €-13.08M
2023: €-10.98M
2024: €-9.22M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5.50M-€7.03M▲ 27.8%€9.12M▲ 29.8%€10.89M▲ 19.4%€11.16M▲ 2.5%
Operating result€-8k-€-15k▼ 86.5%€-34k▼ 133%€-33k▲ 3.1%€-17k▲ 49.6%
Net result€712k-€1.53M▲ 115%€2.09M▲ 36.9%€1.77M▼ 15.7%€275k▼ 84.4%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €17k in 2025 against €33k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20.19M
Fixed assets
€20.10M=
Current assets
€88k▼ 46.3%
Equity and liabilities €20.19M
Equity
€11.16M▲ 2.5%
Debt
€9.03M▼ 3.7%
The debt ratio falls from 46.3% to 44.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
55.3%▲
2024 · 53.7%
Current ratio
0.01▼
2024 · 0.02
Quick ratio
0.01▼
2024 · 0.02
Debt / equity
0.81▼
2024 · 0.86
ROE
2.5%▼
2024 · 16.2%
ROA
1.4%▼
2024 · 8.7%
Debt
€9.03M▼
2024 · €9.38M
Debt ≤ 1 year
€9.02M▼
2024 · €9.38M
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€20.27M€20.19M▼
Fixed assets21/28€20.10M€20.10M=
Financial fixed assets28€20.10M€20.10M=
Current assets29/58€164k€88k▼
Amounts receivable within one year40/41-€15k
Trade receivables40-€15k
Cash at bank and in hand54/58€164k€73k▼
Equity and liabilities
Total equity and liabilities10/49€20.27M€20.19M▼
Equity10/15€10.89M€11.16M▲
Contributions10/11€2.62M€2.62M=
Reserves13€8.27M€8.54M▲
Distributable reserves133€8.27M€8.54M▲
Profit (loss) carried forward14€345€902▲
Amounts payable17/49€9.38M€9.03M▼
Amounts payable within one year42/48€9.38M€9.02M▼
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€1k€1k▼
Other amounts payable47/48€9.38M€9.02M▼
Accrued charges and deferred income492/3-€9k
Income statement
Code20242025
Other operating charges640/8€968€998▲
Gross operating margin9900€-32k€-16k▲
Operating profit (loss)9901€-33k€-17k▲
Financial income75/76B€1.80M€300k▼
Recurring financial income75€1.80M€300k▼
Financial charges65/66B€99€9k▲
Recurring financial charges65€99€9k▲
Profit (loss) for the period before taxes9903€1.77M€275k▼
Profit (loss) for the period9904€1.77M€275k▼
Profit (loss) for the period to be appropriated9905€1.77M€275k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.77M€275k▼
Profit (loss) brought forward from the previous period14P€935€345▼
Transfer to equity691/2€1.77M€274k▼
To other reserves6921€1.77M€274k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (14 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
03-09
State Gazette act
General meeting · Director appointment
Director reappointment · Permanent representative
03-09
State Gazette act
General meeting · Director appointment
Director reappointment · Permanent representative
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 20 days late
2024
31-12
Financial
Equity above €10MEq €10.89M ▲19.4%
6 profitable years in a row build equity to €10.89M.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €2.09M ▲36.9%
Net result €2.09M, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €5MEq €5.50M ▲14.9%
3 profitable years in a row build equity to €5.50M.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 20 days late
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €1.47M
Net result €1.47M after one loss-making year.
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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Directors · office · real estate
Directors
2 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, Jurbise · 1 establishment unit since 2018
Ground area
1,915 m²
Building footprint
167 m²
Parcel 53023B0157/00C005, Wallonia. Linked by address, not a title deed.
1 establishment unit
Acobel
since 20182.271.806.613
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53023B0157/00C005 | Wallonia | 1,915 m² | 1 · 167 m² | - |
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.
Structure & network
Similar companies · same sector, comparable size
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Alfabet
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Gent · Eq €11.19M
TOTAL DISTRIBUTION SERVICES
BE 0880.747.330
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GREGOIR HOLDING
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Jette · Eq €11.13M
Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 6,263 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.