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ACS

Active
Private limited companyfounded 20197 yrs activeTrapstraat 17, 2570 Duffel, BelgiumKBO/BCE: BE 0731.893.110
Summary

The annual accounts of ACS for fiscal year 2025 show a net loss of 127% of total assets and of 58% of the equity at the start of that year. The 2025 annual accounts show equity of €1,089 and a net result of -€1,506. Equity is shrinking by ~35.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 92% of 2067 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2025
59 / 100
Fair
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
balance sheet total too small for a liquidity verdict.
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Signals

Four 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 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 7 years 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Age of the figures
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
3 d early
2024
28 d early
2023
12 d early
2022
1 d early
2021
6 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 10 days before the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
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

ACS was incorporated on 6 August 2019 as a Private limited company.1 Total assets fell from EUR 8,057 in 2021 to EUR 1,185 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2021 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€1,089▼ 58.0%
2024 · €2,595
Total assets
€1,185▼ 57.4%
2024 · €2,781
Net result
-€1,506▲ 22.8%
2024 · -€1,952
Working capital
€1,089▼ 58.0%
2024 · €2,595
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€277-€1,675▲ 504%-€2,835-€2,078▲ 26.7%-€1,510▲ 27.3%
Net result€149-€1,733▲ 1,064%-€2,335-€1,952▲ 16.4%-€1,506▲ 22.8%
Equity€5,149-€6,882▲ 33.7%€4,547▼ 33.9%€2,595▼ 42.9%€1,089▼ 58.0%
Total assets€8,057-€10,769▲ 33.7%€5,154▼ 52.1%€2,781▼ 46.1%€1,185▼ 57.4%
Debt€2,908-€3,887▲ 33.7%€607▼ 84.4%€186▼ 69.4%€97▼ 47.9%
Working capital-€147-€6,882€4,547▼ 33.9%€2,595▼ 42.9%€1,089▼ 58.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€4,000-€2,000€0€2,000Operating result 2021: €277€277Net result 2021: €149€149Operating result 2022: €1,675€1,675Net result 2022: €1,733€1,733Operating result 2023: -€2,835-€2,835Net result 2023: -€2,335-€2,335Operating result 2024: -€2,078-€2,078Net result 2024: -€1,952-€1,952Operating result 2025: -€1,510-€1,510Net result 2025: -€1,506-€1,50620212022202320242025-€3,000-€2,000-€1,000€0Operating result 2023: -€2,835-€2,830Net result 2023: -€2,335-€2,330Operating result 2024: -€2,078-€2,080Net result 2024: -€1,952-€1,950Operating result 2025: -€1,510-€1,510Net result 2025: -€1,506-€1,510202320242025
The operating result stays negative: a loss of €1,510 in 2025 against €2,078 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €1,185
Equity €1,089 ▼ 58.0%
Debt €97 ▼ 47.9%
Debt's share of the balance-sheet total rises from 6.7% to 8.2%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
Debt ≤ 1 year
€97▼
2024 · €186
Ratios withheld: a balance sheet total of €1,185 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 3,595 companies that looked in July 2024 the way this one looks now, 2.8% went bankrupt within 24 months and 87% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
2.8% went bankrupt
9.3% stopped otherwise
87% still going

A further 0.8% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.4% 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 497,058 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% 1.6%
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 74% 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 3,595 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 against 2024 · 27 lines
Balance sheet Code20242025
Assets
Total assets20/58€2,781€1,185▼
Current assets29/58€2,781€1,185▼
Amounts receivable within one year40/41€2,718€1,149▼
Other amounts receivable41€2,718€1,149▼
Cash at bank and in hand54/58€62€37▼
Equity and liabilities
Total equity and liabilities10/49€2,781€1,185▼
Equity10/15€2,595€1,089▼
Contributions10/11€5,000€5,000=
Profit (loss) carried forward14-€2,405-€3,911▼
Amounts payable17/49€186€97▼
Amounts payable within one year42/48€186€97▼
Trade debts44€89-
Suppliers440/4€89-
Taxes, remuneration and social security45€97€97=
Taxes450/3€97€97=
Income statement Code20242025
Other operating charges640/8€680€387▼
Gross operating margin9900-€1,397-€1,122▲
Operating profit (loss)9901-€2,078-€1,510▲
Financial income75/76B€167€58▼
Recurring financial income75€167€58▼
Financial charges65/66B€42€54▲
Recurring financial charges65€42€54▲
Profit (loss) for the period before taxes9903-€1,952-€1,506▲
Profit (loss) for the period9904-€1,952-€1,506▲
Profit (loss) for the period to be appropriated9905-€1,952-€1,506▲
Appropriation of the result
Profit (loss) to be appropriated9906-€2,405-€3,911▼
Profit (loss) brought forward from the previous period14P-€453-€2,405▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A-€6,639----
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,767€964----
Other operating charges640/8-€722€700€680€387▼ 43.1%
Gross operating margin9900€5,145€3,360-€2,134-€1,397-€1,122▲ 19.7%
Operating profit (loss)9901€277€1,675-€2,835-€2,078-€1,510▲ 27.3%
Financial income75/76B-€219€492€167€58▼ 65.4%
Recurring financial income75-€219€492€167€58▼ 65.4%
Financial charges65/66B-€65€49€42€54▲ 30.0%
Recurring financial charges65€69€65€49€42€54▲ 30.0%
Profit (loss) for the period before taxes9903€208€1,828-€2,392-€1,952-€1,506▲ 22.8%
Income taxes67/77€59€95-€57---
Profit (loss) for the period9904€149€1,733-€2,335-€1,952-€1,506▲ 22.8%
Profit (loss) for the period to be appropriated9905€149€1,733-€2,335-€1,952-€1,506▲ 22.8%
Line20212022202320242025Change
Assets
Total assets20/58€8,057€10,769€5,154€2,781€1,185▼ 57.4%
Fixed assets21/28€7,870-----
Tangible fixed assets22/27€7,870-----
Current assets29/58€187€10,769€5,154€2,781€1,185▼ 57.4%
Amounts receivable within one year40/41€108€10,684€5,143€2,718€1,149▼ 57.7%
Trade receivables40-€759----
Other amounts receivable41-€9,925€5,143€2,718€1,149▼ 57.7%
Cash at bank and in hand54/58€79€84€11€62€37▼ 41.5%
Equity and liabilities
Total equity and liabilities10/49€8,057€10,769€5,154€2,781€1,185▼ 57.4%
Equity10/15€5,149€6,882€4,547€2,595€1,089▼ 58.0%
Contributions10/11-€5,000€5,000€5,000€5,000=
Profit (loss) carried forward14€149€1,882-€453-€2,405-€3,911▼ 62.6%
Amounts payable17/49€2,908€3,887€607€186€97▼ 47.9%
Amounts payable after more than one year17€2,574-----
Amounts payable within one year42/48€334€3,887€607€186€97▼ 47.9%
Trade debts44€158€3,793€511€89--
Suppliers440/4-€3,793€511€89--
Taxes, remuneration and social security45-€94€97€97€97=
Taxes450/3-€94€97€97€97=
Line20212022202320242025Change
Profit (loss) for the period9904€149€1,733-€2,335-€1,952-€1,506▲ 22.8%
+ Depreciation and write-downs630€1,767€964----
Operating cash flow (approximation)€1,916€2,697-€2,335-€1,952-€1,506▲ 22.8%
Change in cash-€6-€73€51-€26▼ 151%

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

Next filing, fiscal year 2026, expected by 31-01-2027
2026
28-01
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
03-01
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
19-01
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial Weakest financial yearnet -€2,335
Net result drops to -€2,335, the lowest in the series; recovery starts the following year.
30-06
Financial Liquidity triplescurrent ratio 8.49
Current ratio from 2.77 to 8.49; short-term debt falls from €3,887 to €607.
30-01
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial Highest result since 2021net €1,733 ▲1,064%
Operating result €1,675, net result €1,733, both a record.
30-06
Financial Liquidity times 5current ratio 2.77
Current ratio from 0.56 to 2.77.
25-01
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB 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.

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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, Duffel · 1 establishment unit since 2019
seat establishment The establishment unit on the map
Ground area
2,259 m²
Building footprint
232 m²
Volume, LiDAR
1,327 m³
2 parcels, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
ACS
Lintseheide 22, 2860 Sint-Katelijne-WaverFinancial service activities, except insurance and pension funding
since 20192.292.216.896
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12035A0276/00T000 Flanders 1,843 m² 1 · 132 m² 7.4 m · 2 fl.
12302D0540/00S002 Flanders 416 m² 1 · 101 m² 8.1 m · 1 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 11,671 companies in sector 85599 we hold annual accounts for 1,329. 225 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded06-08-2019
Fiscal year end30-06
Activities, NACEBEL 2025
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID 0208:0731893110
Also 9925:BE0731893110
Registered 12-01-2026

Register as of 27 September 2026 · Peppol Directory

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