Akaroa
ActiveAkaroa has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €19k. Equity is shrinking by ~8% per year across the filed fiscal years. Its solvency ranks better than 15% of 16459 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+9
Solvency36▲+5
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 45.89 against 14.58 in 2024; short-term debt: 0.3% and cash: 11% of total assets), but 88.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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 dateAge against the risk zone
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
11.1%
Return on assets
5.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 16459 sector peers (2025).
NBB · sector comparisonPosition among 16459 sector peers
Solvency
better than 15%
← weakest
strongest →
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
202122232425
2020 to 2025 · latest year €36k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
16 d early
2024
20 d early
2023
128 d early
2022
42 d early
2021
19 d early
2020
22 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, micro schema
Equity
€36k▲ 111%
2024 · €17k
2020: €37k
2021: €34k
2022: €32k
2023: €28k
2024: €17k
2020 → 2025
Total assets
€326k▲ 7.2%
2024 · €304k
2020: €37k
2021: €34k
2022: €32k
2023: €30k
2024: €304k
2020 → 2025
Net result
€19k
2024 · €-11k
2020: €-3k
2021: €-3k
2022: €-2k
2023: €-4k
2024: €-11k
2020 → 2025
Working capital
€42k▼ 13.2%
2024 · €49k
2020: €37k
2021: €34k
2022: €32k
2023: €28k
2024: €49k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€32k▼ 6.8%€28k▼ 13.3%€17k▼ 38.1%€36k▲ 111%
Operating result€-3k-€-2k▲ 6.3%€-4k▼ 75.0%€-7k▼ 61.4%€25k
Net result€-3k-€-2k▲ 11.8%€-4k▼ 81.6%€-11k▼ 148%€19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €25k after a loss of €7k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €326k
Fixed assets
€283k▲ 12.3%
Current assets
€43k▼ 17.3%
Equity and liabilities €326k
Equity
€36k▲ 111%
Debt
€290k▲ 1.0%
The debt ratio falls from 94.4% to 88.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€33k▲
2024 · €32k
Cash flow
€27k▼
2024 · €28k
Solvency
11.1%▲
2024 · 5.6%
Current ratio
45.89▲
2024 · 14.58
Quick ratio
45.89▲
2024 · 14.58
Debt / equity
8.03▼
2024 · 16.79
ROE
52.6%▲
2024 · -61.6%
ROA
5.8%▲
2024 · -3.5%
Interest coverage
5.68▼
2024 · 8.20
Debt
€290k▲
2024 · €287k
Debt ≤ 1 year
€943▼
2024 · €4k
Debt > 1 year
€280k=
2024 · €280k
Income taxes
€0
Staff costs
€0
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€304k€326k▲
Fixed assets21/28€252k€283k▲
Tangible fixed assets22/27€251k€282k▲
Land and buildings22€245k€282k▲
Plant, machinery and equipment23€6k€0▼
Furniture and vehicles24-€417
Other tangible fixed assets26-€0
Financial fixed assets28€950€950=
Current assets29/58€52k€43k▼
Amounts receivable within one year40/41€15k€7k▼
Trade receivables40€11k€3k▼
Other amounts receivable41€4k€4k▼
Cash at bank and in hand54/58€37k€36k▼
Deferred charges and accrued income490/1€160€81▼
Equity and liabilities
Total equity and liabilities10/49€304k€326k▲
Equity10/15€17k€36k▲
Contributions10/11€40k€40k=
Profit (loss) carried forward14€-23k€-4k▲
Amounts payable17/49€287k€290k▲
Amounts payable after more than one year17€280k€280k=
Financial debts170/4€0-
Other amounts payable178/9€280k€280k=
Amounts payable within one year42/48€4k€943▼
Trade debts44€4k€765▼
Suppliers440/4€4k€765▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€0€178▲
Accrued charges and deferred income492/3€4k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€8k▼
Other operating charges640/8€913€1k▲
Gross operating margin9900€33k€34k▲
Operating profit (loss)9901€-7k€25k▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€-11k€19k▲
Income taxes67/77-€0
Profit (loss) for the period9904€-11k€19k▲
Profit (loss) for the period to be appropriated9905€-11k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€-4k▲
Profit (loss) brought forward from the previous period14P€-12k€-23k▼
The notes to these accounts (6 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €19k
Net result €19k after 5 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 45.89
Current ratio from 14.58 to 45.89; short-term debt falls from €4k to €943.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Olne · 1 establishment unit since 2019
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.
Chemin du Rouau 94877 OlneGround area
908 m²
Building footprint
147 m²
Volume, LiDAR
873 m³
Parcel 63057A1248/00F000, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Akaroa
since 20192.298.650.075
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63057A1248/00F000 | Wallonia | 908 m² | 1 · 147 m² | 9.3 m · 2 fl. |
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.
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Of 5,526 companies in sector 86931 we hold annual accounts for 550. 439 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-2019
Fiscal year end31-12
Activities, NACEBEL
86904Human health activities
86931Psychology services
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.