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ACREDIA

Active
Private limited companyfounded 20242 yrs activeRue Royale, Morialmé 148, 5620 Florennes, BelgiumKBO/BCE: BE 1007.776.253
Summary

The computed 12-month bankruptcy probability of ACREDIA is 2.9% (moderate). The 2025 annual accounts show equity of €12,285 and a net result of €8,285. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability73
Solvency92
Growth-
Track record67
Bankruptcy probability, 12 months
2.9% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.78; short-term debt: 32.1% and cash: 30.9% of total assets), and 33.4% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
66.6%
Return on assets
44.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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 · 1 filing
Deviation from the deadline
2025
13 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 29 March 2024, ACREDIA was incorporated as a Private limited company.1 In 2026 the registered office moved to Florennes.2 The company has filed annual accounts once, for fiscal year 2025.3

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 31-07-2026
  3. 3National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Turnover
€192,000
EBIT margin
10.0%
Net result
€8,285
Working capital
€10,536

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €18,445
Fixed assets €1,989
Current assets €16,456
Equity and liabilities €18,445
Equity €12,285
Debt €6,160
Debt finances 33.4% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€20,404
Cash flow
€9,530
Current ratio
2.78
Debt to equity
0.50
ROE
67.4%
ROA
44.9%
Interest coverage
3.40
Debt ≤ 1 year
€5,920
Income taxes
€4,878

Peer companies

Historical observation

Of the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,276 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 39 lines
Balance sheet Code2025
Assets
Total assets20/58€18,445
Fixed assets21/28€1,989
Tangible fixed assets22/27€1,989
Furniture and vehicles24€1,989
Current assets29/58€16,456
Amounts receivable within one year40/41€10,602
Other amounts receivable41€10,602
Cash at bank and in hand54/58€5,705
Deferred charges and accrued income490/1€150
Equity and liabilities
Total equity and liabilities10/49€18,445
Equity10/15€12,285
Contributions10/11€4,000
Reserves13€8,000
Distributable reserves133€8,000
Profit (loss) carried forward14€285
Amounts payable17/49€6,160
Amounts payable within one year42/48€5,920
Trade debts44€1,042
Suppliers440/4€1,042
Taxes, remuneration and social security45€4,878
Taxes450/3€4,878
Accrued charges and deferred income492/3€240
Income statement Code2025
Turnover70€192,000
Goods, raw materials, services and sundry goods60/61€179,114
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,246
Other operating charges640/8€1,111
Gross operating margin9900€21,515
Operating profit (loss)9901€19,159
Financial income75/76B€6
Recurring financial income75€6
Financial charges65/66B€6,002
Recurring financial charges65€6,002
Profit (loss) for the period before taxes9903€13,163
Income taxes67/77€4,878
Profit (loss) for the period9904€8,285
Profit (loss) for the period to be appropriated9905€8,285
Appropriation of the result
Profit (loss) to be appropriated9906€8,285
Transfer to equity691/2€8,000
To other reserves6921€8,000

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Turnover70€192,000
Goods, raw materials, services and sundry goods60/61€179,114
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,246
Other operating charges640/8€1,111
Gross operating margin9900€21,515
Operating profit (loss)9901€19,159
Financial income75/76B€6
Recurring financial income75€6
Financial charges65/66B€6,002
Recurring financial charges65€6,002
Profit (loss) for the period before taxes9903€13,163
Income taxes67/77€4,878
Profit (loss) for the period9904€8,285
Profit (loss) for the period to be appropriated9905€8,285
Line2025
Assets
Total assets20/58€18,445
Fixed assets21/28€1,989
Tangible fixed assets22/27€1,989
Furniture and vehicles24€1,989
Current assets29/58€16,456
Amounts receivable within one year40/41€10,602
Other amounts receivable41€10,602
Cash at bank and in hand54/58€5,705
Deferred charges and accrued income490/1€150
Equity and liabilities
Total equity and liabilities10/49€18,445
Equity10/15€12,285
Contributions10/11€4,000
Reserves13€8,000
Distributable reserves133€8,000
Profit (loss) carried forward14€285
Amounts payable17/49€6,160
Amounts payable within one year42/48€5,920
Trade debts44€1,042
Suppliers440/4€1,042
Taxes, remuneration and social security45€4,878
Taxes450/3€4,878
Accrued charges and deferred income492/3€240
Line2025
Profit (loss) for the period9904€8,285
+ Depreciation and write-downs630€1,246
Operating cash flow (approximation)€9,530

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
13-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
31-07
State Gazette act Registered office
Registered-office move2 facts ▸
  • General meeting, 10-06-2026
  • Registered-office move, Rue Royale, 148 (Morialmé) 5620 FLORENNES
State Gazette actNBB filing
1 of 2 acts read
About the unread acts

Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.

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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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Florennes · 1 establishment unit since 2024
establishment The establishment unit on the map
Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Rue Royale, Morialmé 1485620 Florennes
Ground area
95 m²
Building footprint
78 m²
Volume, LiDAR
519 m³
Parcel 52029B0178/00K000, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ACREDIA
Rue de la Tourette(GOU) 5, 6280 GerpinnesInsurance agents and brokers
since 20242.358.675.754
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52029B0178/00K000 Wallonia 95 m² 1 · 78 m² 8.0 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.

Identification & contact

Identification
Legal formPrivate limited company
Founded29-03-2024
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.