APIM Accountants
ActiveAPIM Accountants has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.11M and a net result of €119k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity ample (current ratio 25.65 against 45.31 in 2024; short-term debt: 3.4% and cash: 48.2% of total assets), and 3.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
96.6%
Return on assets
5.4%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
4 d early
2023
37 d early
2022
5 d late
2021
9 d late
2020
7 d late
2019
9 d late
← 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
€2.11M▲ 5.8%
2024 · €2.00M
2018: €1.17M
2019: €1.29M
2020: €1.44M
2021: €1.54M
2022: €1.68M
2023: €1.85M
2024: €2.00M
2018 → 2025
Total assets
€2.19M▲ 7.2%
2024 · €2.04M
2018: €1.20M
2019: €1.33M
2020: €1.49M
2021: €1.63M
2022: €1.74M
2023: €1.91M
2024: €2.04M
2018 → 2025
Net result
€119k▼ 19.1%
2024 · €147k
2018: €71k
2019: €127k
2020: €147k
2021: €149k
2022: €143k
2023: €171k
2024: €147k
2018 → 2025
Working capital
€1.84M▼ 6.9%
2024 · €1.98M
2018: €1.16M
2019: €1.29M
2020: €1.44M
2021: €1.54M
2022: €1.68M
2023: €1.85M
2024: €1.98M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.54M-€1.68M▲ 9.3%€1.85M▲ 10.2%€2.00M▲ 7.7%€2.11M▲ 5.8%
Operating result€220k-€209k▼ 4.8%€253k▲ 20.9%€206k▼ 18.4%€145k▼ 29.4%
Net result€149k-€143k▼ 4.3%€171k▲ 20.2%€147k▼ 14.1%€119k▼ 19.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 29% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.19M
Fixed assets
€273k▲ 1,335%
Current assets
€1.91M▼ 5.3%
Equity and liabilities €2.19M
Equity
€2.11M▲ 5.8%
Debt
€75k▲ 67.3%
The debt ratio rises from 2.2% to 3.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€157k▼
2024 · €208k
Cash flow
€130k▼
2024 · €149k
Solvency
96.6%▼
2024 · 97.8%
Current ratio
25.65▼
2024 · 45.31
Quick ratio
25.65▼
2024 · 45.31
Debt / equity
0.04▲
2024 · 0.02
ROE
5.6%▼
2024 · 7.4%
ROA
5.4%▼
2024 · 7.2%
Interest coverage
35.94▼
2024 · 98.17
Debt
€75k▲
2024 · €45k
Debt ≤ 1 year
€75k▲
2024 · €45k
Income taxes
€56k▼
2024 · €71k
Staff costs
€39k▲
2024 · €38k
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€2.04M€2.19M▲
Fixed assets21/28€19k€273k▲
Tangible fixed assets22/27€19k€273k▲
Land and buildings22€19k€273k▲
Current assets29/58€2.02M€1.91M▼
Amounts receivable within one year40/41€8k€10k▲
Trade receivables40€8k€10k▲
Current investments50/53€942k€848k▼
Cash at bank and in hand54/58€1.07M€1.05M▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€2.04M€2.19M▲
Equity10/15€2.00M€2.11M▲
Contributions10/11€19k€19k=
Reserves13€1.98M€2.09M▲
Distributable reserves133€1.98M€2.09M▲
Profit (loss) carried forward14€2k€2k▲
Amounts payable17/49€45k€75k▲
Amounts payable within one year42/48€45k€75k▲
Current portion of amounts payable after more than one year42€3k€3k=
Trade debts44€2k€27k▲
Suppliers440/4€2k€27k▲
Taxes, remuneration and social security45€38k€37k▼
Taxes450/3€34k€32k▼
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€2k€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€38k€39k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€11k▲
Other operating charges640/8€5k€34k▲
Gross operating margin9900€251k€229k▼
Operating profit (loss)9901€206k€145k▼
Financial income75/76B€14k€34k▲
Recurring financial income75€14k€34k▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€218k€175k▼
Income taxes67/77€71k€56k▼
Profit (loss) for the period9904€147k€119k▼
Profit (loss) for the period to be appropriated9905€147k€119k▼
Appropriation of the result
Profit (loss) to be appropriated9906€148k€121k▼
Profit (loss) brought forward from the previous period14P€972€2k▲
Transfer from equity791/2-€3k
Transfer to equity691/2€142k€119k▼
To other reserves6921€142k€119k▼
Profit to be distributed694/7€5k€3k▼
Return on contributions (dividend)694-€3k
Employees696€5k-
The notes to these accounts (5 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €2MEq €2.11M ▲5.8%
8 profitable years in a row build equity to €2.11M.
27-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €171k ▲20.2%
Operating result €253k, net result €171k, both a record.
05-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 5 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
07-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 7 days late
2020
09-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 9 days late
2019
27-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Kapellen · 1 establishment unit since 1998
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.
Starrenhoflaan 142950 KapellenGround area
7,719 m²
Building footprint
2,012 m²
Volume, LiDAR
12,431 m³
Parcel 11023C0169/00F000, Flanders · tallest building 13.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Starrenhoflaan 14, 2950 Kapellen
since 19982.086.204.536
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11023C0169/00F000 | Flanders | 7,719 m² | 1 · 2,012 m² | 13.7 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600C0A2ATB391JK32
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 19,519 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-1998
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 28 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.