Equity
€630,916 from €1.8m in 2017
Equity fell by 64% in 8 years.
ANCCO DIENSTENCHEQUES
Lifetime
19 annual accounts with figures on one time axispeak €26.0m (2024)
€25.1m▼ 3.4%
peak €1.1m (2017)
€652,317▼ 14.8%
peak €1.8m (2017)
€630,916▲ 0.5%
€5.3m▼ 5.5%
peak 838.9 FTE (2019)
698 FTE▼ 7.1%
Board6 names since 2020
2 directorsMarcellus Heck and 1 other
Owners2 names in the annual accounts
99.73%XL GROUP VLAANDEREN
Documentsfilings and deeds
02-02-20262 days late
2025financial year
Key points
from the 2025 annual accountsDebts
€5.3m 89% of the balance sheet
Financial debts 23%Suppliers 8%Taxes and wages 50%Other 19%
Of this, €5.0m falls due within a year.
Payment terms
136 days to suppliers
ANCCO DIENSTENCHEQUES pays its suppliers 43 days later than in 2024. Customers pay 5 days later.
Filings
19 annual accounts since 2007
Four of the last ten came late. The 2019 accounts came latest: 27 days after the end of the period.
Position in the sector
10.7%
Lower solvency than 84% of companies in building services and landscaping. Sector median 41.5% · 547 companies.
Public support
€60.5m awarded from 2022 to 2025
Flemish support, mostly Dienstencheques.
Checked score
85
Excellent
Financially stronger than 40% of large companies in building services and landscaping (NACE 81)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 59 companies (NACE 81, large).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025lowest value
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.3%▲ +0.1 percentage points vs 01-2026highest value
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.2%▼ -0.1 percentage points vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.3%▲ +0.1 percentage points vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Equity €630,916 (10.7% of total assets)
Sector: Services to buildings and landscape activities (NACE 81)
lowers risk
Size: turnover €25.1m, 698 FTE, total assets €5.9m
Founded in 2006
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 81, large). It does better than 28% of them on solvency, 24% on liquidity, 78% on profitability and 29% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 101 companies had the same profile as ANCCO DIENSTENCHEQUES has now. Each dot is one company, two years later.
97.0%
were still trading
1.0%
stopped another way
2.0%
went bankrupt
The bankruptcy probability of ANCCO DIENSTENCHEQUES itself is lower: 0.3% within 12 months. It rests on far more data about ANCCO DIENSTENCHEQUES than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 101 companies, not a prediction for ANCCO DIENSTENCHEQUES. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €50,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.13 (1.08 in 2024), below the usual 1.5. Short-term debt is 84.9% and cash 13.6% of total assets. 89.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 547 sector peers (2025).
NBB · sector comparisonPosition among 547 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
2 days late
2024
18 days early
2023
2 days early
2022
29 days early
2021
34 days early
2020
19 days early
2019
27 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 10 days before the deadline. In the sector (NACE 81), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 13 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end06-11-2026 today31-01-2027 deadline
Board and ownership
- XL GROUP VLAANDEREN 99.73%score 85equity €2.5m (2025) · 2025 annual accounts of XL GROUP VLAANDEREN
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0880511461
Resignation: Olivier Van Caelenberg (director)
Director discharge: Olivier Van Caelenberg · General meeting of 08-05-2024 · Gazette deed
Reappointment: Figurad Bedrijfsrevisoren BV (statutory auditor)
General meeting of 16-09-2024 · Gazette deed
3 directors appointed, 2 resignations
Resignations: Johan Goossens (managing director) and Gatien Laloux (managing director) · Appointments: Philippe Serranne, Olivier Van Caelenberg and Marcellus Heck (managing director) · Director discharge: Johan Goossens · General meeting of 26-04-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ANCCO DIENSTENCHEQUES Antwerp | €25.1m | 3.5% | 10.7% | 698 |
| DIENSTENTHUIS Antwerp | €27.7m | -1.1% | 35.3% | 717.3 |
| PRIMAHOME Antwerp | €24.6m | 0.8% | 8.4% | 648.8 |
| TRIXXO DC Bilzen-Hoeselt | €23.9m | 0.6% | 55.7% | 642.7 |
| BIKHH Hove | €23.8m | 1.3% | 17.8% | 639.1 |
| HCServices Namur | €17.2m | 3.5% | 27.0% | 568 |
| BKCS Hasselt | €23.3m | 1.2% | 5.7% | 638.3 |
Grey: the largest companies of the sector (building services and landscaping (NACE 81)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as ANCCO DIENSTENCHEQUES: general cleaning of buildings (NACE 81210). They are comparable in size and age: total assets between €5m and €7.5m, founded between 2004 and 2010.
Official details
Source: KBO- Status
- Active since 05-04-2006Normal situation
- Activity
- General cleaning of buildingsNACE 81210and 2 others
- Establishment unit
- 2.153.061.5872100 Antwerp, since 21-04-2006
- Financial year end
- 30 June
- Peppol
- Reachable since 30-03-2026
Annual accounts to 30-06-2025
- €5.9m▼ 4.9%
- Employeeson 30-06-2025
- 1,036▼ 8.4%
- Filing
- Filed on 02-02-2026
Insights on ANCCO DIENSTENCHEQUES
ANCCO DIENSTENCHEQUES has existed since 2006. Turnover grew from €12.1m in 2010 to €25.1m in 2025 and staff from 490.9 to 698 full-time equivalents.
XL GROUP VLAANDEREN holds all the shares. In 2024, three directors stepped down. In May 2024, the Official Gazette published the appointment of Marcellus Heck as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ANCCO DIENSTENCHEQUES
- What is the company number of ANCCO DIENSTENCHEQUES?
- The company number of ANCCO DIENSTENCHEQUES is 0880.511.461. The VAT number is the same number with BE in front: BE 0880.511.461.
- Where is ANCCO DIENSTENCHEQUES based?
- The registered office is at Bisschoppenhoflaan 297-299, 2100 Antwerp.Company details
- What does ANCCO DIENSTENCHEQUES do?
- According to the KBO register, the main activity is general cleaning of buildings (NACE 81210).
- What is the legal form of ANCCO DIENSTENCHEQUES?
- ANCCO DIENSTENCHEQUES is a public limited company (NV).
- When was ANCCO DIENSTENCHEQUES founded?
- ANCCO DIENSTENCHEQUES was founded on 05-04-2006.
- Is ANCCO DIENSTENCHEQUES still active?
- Yes, ANCCO DIENSTENCHEQUES is an active enterprise in the KBO register.
- How many employees does ANCCO DIENSTENCHEQUES have?
- ANCCO DIENSTENCHEQUES had an average of 698 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of ANCCO DIENSTENCHEQUES?
- The turnover of ANCCO DIENSTENCHEQUES was €25.1m in financial year 2025, according to the filed annual accounts.
- Is ANCCO DIENSTENCHEQUES profitable?
- In financial year 2025, ANCCO DIENSTENCHEQUES made a profit of €652,317.
- Where can I find the annual accounts of ANCCO DIENSTENCHEQUES?
- ANCCO DIENSTENCHEQUES filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ANCCO DIENSTENCHEQUES due?
- ANCCO DIENSTENCHEQUES must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence See whether the workforce is growing and whether people stay.Employer check Compare the other recognised service-voucher companies in Antwerp and what they charge.Service voucher comparison Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check
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