Actio S&E
ActiveSummary
Actio S&E has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €22k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 41% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▲+32
Solvency67▲+9
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.39 against 0.03 in 2024; short-term debt: 26.1% and cash: 3.3% of total assets), and 57.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
42.3%
Return on assets
12.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €72k
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 · 9 filingsDeviation from the deadline
2025
28 d late
2024
14 d late
2023
23 d late
2022
32 d early
2021
16 d late
2020
8 d early
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€72k▲ 43.0%
2024 · €50k
2018: €52k
2019: €48k▼ -7.3% vs 2018
2020: €41k▼ -15.8% vs 2019lowest in 8 years
2021: €47k▲ +15.2% vs 2020
2022: €47k▲ +1.1% vs 2021
2023: €50k▲ +6.3% vs 2022
2024: €50k▼ -0.6% vs 2023
2025: €72k▲ +43.0% vs 2024highest in 8 years
2018 → 2025
Total assets
€170k▲ 10.2%
2024 · €154k
2018: €212khighest in 8 years
2019: €170k▼ -19.9% vs 2018
2020: €161k▼ -5.4% vs 2019
2021: €168k▲ +4.7% vs 2020
2022: €168k▼ -0.2% vs 2021
2023: €166k▼ -1.0% vs 2022
2024: €154k▼ -7.5% vs 2023lowest in 8 years
2025: €170k▲ +10.2% vs 2024
2018 → 2025
Net result
€22k
2024 · €-308
2018: €25khighest in 8 years
2019: €-4k▼ -115% vs 2018
2020: €-8k▼ -100% vs 2019lowest in 8 years
2021: €6k▲ +181% vs 2020
2022: €524▼ -91.5% vs 2021
2023: €3k▲ +467% vs 2022
2024: €-308▼ -110% vs 2023
2025: €22k▲ +7099% vs 2024
2018 → 2025
Working capital
€-27k▲ 43.1%
2024 · €-47k
2018: €-6k
2019: €-24k▼ -318% vs 2018
2020: €-32k▼ -31.8% vs 2019
2021: €2k▲ +106% vs 2020
2022: €2k▲ +27.1% vs 2021highest in 8 years
2023: €-25k▼ -1102% vs 2022
2024: €-47k▼ -92.8% vs 2023lowest in 8 years
2025: €-27k▲ +43.1% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€47k▲ 1.1%€50k▲ 6.3%€50k▼ 0.6%€72k▲ 43.0%
2021: €47klowest in 5 years
2022: €47k▲ +1.1% vs 2021
2023: €50k▲ +6.3% vs 2022
2024: €50k▼ -0.6% vs 2023
2025: €72k▲ +43.0% vs 2024highest in 5 years
Operating result€9k-€2k▼ 72.4%€6k▲ 131%€1k▼ 77.2%€30k▲ 2,213%
2021: €9k
2022: €2k▼ -72.4% vs 2021
2023: €6k▲ +131% vs 2022
2024: €1k▼ -77.2% vs 2023lowest in 5 years
2025: €30k▲ +2213% vs 2024highest in 5 years
Net result€6k-€524▼ 91.5%€3k▲ 467%€-308€22k
2021: €6k
2022: €524▼ -91.5% vs 2021
2023: €3k▲ +467% vs 2022
2024: €-308▼ -110% vs 2023lowest in 5 years
2025: €22k▲ +7099% vs 2024highest in 5 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2,213% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€152k =
Current assets
€17k ▲ 988%
Equity and liabilities €170k
Equity
€72k ▲ 43.0%
Debt
€98k ▼ 5.6%
Debt's share of the balance-sheet total falls from 67.4% to 57.7%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
0.39▲
2024 · 0.03
Debt to equity
1.37▼
2024 · 2.07
ROE
30.1%▲
2024 · -0.6%
ROA
12.7%▲
2024 · -0.2%
Debt ≤ 1 year
€44k▼
2024 · €49k
Debt > 1 year
€54k▼
2024 · €55k
Income taxes
€9k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€154k€170k▲
Formation expenses20€0€0=
Fixed assets21/28€152k€152k=
Financial fixed assets28€152k€152k=
Current assets29/58€2k€17k▲
Amounts receivable within one year40/41€1k€12k▲
Trade receivables40€1k€10k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€3€6k▲
Deferred charges and accrued income490/1€516-
Equity and liabilities
Total equity and liabilities10/49€154k€170k▲
Equity10/15€50k€72k▲
Contributions10/11€15k€15k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€33k€55k▲
Amounts payable17/49€104k€98k▼
Amounts payable after more than one year17€55k€54k▼
Financial debts170/4€55k€54k▼
Amounts payable within one year42/48€49k€44k▼
Current portion of amounts payable after more than one year42€30k€20k▼
Trade debts44€277€638▲
Suppliers440/4€277€638▲
Taxes, remuneration and social security45€19k€12k▼
Taxes450/3€8k€12k▲
Remuneration and social security454/9€11k-
Other amounts payable47/48€70€11k▲
Income statement
Code20242025
Non-recurring operating income76A-€10k
Other operating charges640/8€320€402▲
Gross operating margin9900€2k€31k▲
Operating profit (loss)9901€1k€30k▲
Financial charges65/66B€152€305▲
Recurring financial charges65€152€305▲
Profit (loss) for the period before taxes9903€1k€30k▲
Income taxes67/77€1k€9k▲
Profit (loss) for the period9904€-308€22k▲
Profit (loss) for the period to be appropriated9905€-308€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€55k▲
Profit (loss) brought forward from the previous period14P€34k€33k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €10k | - |
| Other operating charges640/8 | €287 | €554 | €253 | €320 | €402 | ▲ 25.9% |
| Gross operating margin9900 | €9k | €3k | €6k | €2k | €31k | ▲ 1,785% |
| Operating profit (loss)9901 | €9k | €2k | €6k | €1k | €30k | ▲ 2,213% |
| Financial income75/76B | €0 | €0 | - | - | - | - |
| Recurring financial income75 | €0 | €0 | - | - | - | - |
| Financial charges65/66B | €104 | €98 | €138 | €152 | €305 | ▲ 100% |
| Recurring financial charges65 | €104 | €98 | €138 | €152 | €305 | ▲ 100% |
| Profit (loss) for the period before taxes9903 | €9k | €2k | €6k | €1k | €30k | ▲ 2,491% |
| Income taxes67/77 | €3k | €2k | €3k | €1k | €9k | ▲ 479% |
| Profit (loss) for the period9904 | €6k | €524 | €3k | €-308 | €22k | ▲ 7,099% |
| Profit (loss) for the period to be appropriated9905 | €6k | €524 | €3k | €-308 | €22k | ▲ 7,099% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €168k | €168k | €166k | €154k | €170k | ▲ 10.2% |
| Formation expenses20 | - | - | €0 | €0 | €0 | - |
| Fixed assets21/28 | €152k | €152k | €152k | €152k | €152k | = |
| Financial fixed assets28 | €152k | €152k | €152k | €152k | €152k | = |
| Current assets29/58 | €16k | €16k | €14k | €2k | €17k | ▲ 988% |
| Amounts receivable within one year40/41 | €15k | €14k | €10k | €1k | €12k | ▲ 991% |
| Trade receivables40 | €15k | €14k | €10k | €1k | €10k | ▲ 805% |
| Other amounts receivable41 | - | - | €500 | - | €2k | - |
| Cash at bank and in hand54/58 | €569 | €2k | €3k | €3 | €6k | ▲ 209,677% |
| Deferred charges and accrued income490/1 | €550 | €458 | €480 | €516 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €168k | €168k | €166k | €154k | €170k | ▲ 10.2% |
| Equity10/15 | €47k | €47k | €50k | €50k | €72k | ▲ 43.0% |
| Contributions10/11 | €15k | €15k | €15k | €15k | €15k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €30k | €31k | €34k | €33k | €55k | ▲ 64.9% |
| Amounts payable17/49 | €121k | €121k | €116k | €104k | €98k | ▼ 5.6% |
| Amounts payable after more than one year17 | €107k | €107k | €77k | €55k | €54k | ▼ 2.1% |
| Financial debts170/4 | €107k | €107k | €77k | €55k | €54k | ▼ 2.1% |
| Amounts payable within one year42/48 | €14k | €13k | €39k | €49k | €44k | ▼ 9.5% |
| Current portion of amounts payable after more than one year42 | - | - | €30k | €30k | €20k | ▼ 32.8% |
| Trade debts44 | €1k | €297 | €356 | €277 | €638 | ▲ 130% |
| Suppliers440/4 | €1k | €297 | €356 | €277 | €638 | ▲ 130% |
| Taxes, remuneration and social security45 | €4k | €7k | €8k | €19k | €12k | ▼ 33.3% |
| Taxes450/3 | €4k | €7k | €8k | €8k | €12k | ▲ 54.9% |
| Remuneration and social security454/9 | - | - | - | €11k | - | - |
| Other amounts payable47/48 | €8k | €6k | €70 | €70 | €11k | ▲ 15,644% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6k | €524 | €3k | €-308 | €22k | ▲ 7,099% |
| Operating cash flow (approximation) | €6k | €524 | €3k | €-308 | €22k | ▲ 7,099% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €1k | €2k | €-3k | €6k | ▲ 271% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 14 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 23 days late
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 16 days late
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 1.14
Current ratio from 0.21 to 1.14; short-term debt falls from €40k to €14k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated 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, Bertem · 1 establishment unit since 2017
Ground area
579 m²
Building footprint
153 m²
Volume, LiDAR
818 m³
Parcel 24061A0038/00H000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
ACTIO SAE
since 20172.260.338.342
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24061A0038/00H000 | Flanders | 579 m² | 1 · 153 m² | 9.1 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.
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 39,761 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
Founded04-01-2017
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
18130Pre-press and pre-media services
74120Graphic design and visual communication
82100Office administrative and support services
Contact
E-mail
mark.saenen@telenet.be
Scores and ratios are computed by Checked and are not a credit decision.