Skip to content

ArgAccount

Active
Private limited companyfounded 20233 yrs activeAllée de Clerlande 3, 1340 Ottignies-Louvain-la-Neuve, BelgiumKBO/BCE: BE 0799.265.746
Summary

ArgAccount has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26,243 and a net result of €4,222. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 12% of 12819 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability45▼-26
Solvency33▼-15
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 2.02 against 1.29 in 2024; short-term debt: 49.6% and cash: 3.4% of total assets), but 91.9% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
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 3 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
8.1%
Return on assets
1.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 12819 sector peers (2025).
NBB · sector comparison
Position among 12819 sector peers
Solvency
better than 12%
← weakest strongest →
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 16-04-2026, 106 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
106 d early
2024
76 d early
2023
183 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average on the deadline day; the sector median for financial year 2024 is 9 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 16 May (3 of the last 3 filed years within 260 days of that day).
Companies Code · seven months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 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

ArgAccount was incorporated on 7 March 2023 as a Private limited company.1 Total assets rose from EUR 21,726 in 2023 to EUR 324,598 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Turnover
€0
Total assets
€324,598▲ 240%
2024 · €95,485
Net result
€4,222▲ 122%
2024 · €1,901
Working capital
€163,634▲ 677%
2024 · €21,057
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202320242025
Turnover€0-
Operating result€191-€2,780▲ 1,356%€10,515▲ 278%
Net result€119below the sector's middle half-€1,901below the sector's middle half▲ 1,497%€4,222below the sector's middle half▲ 122%
Equity€20,119below the sector's middle half-€22,020below the sector's middle half▲ 9.4%€26,243below the sector's middle half▲ 19.2%
Total assets€21,726below the sector's middle half-€95,485within the sector's middle half▲ 339%€324,598within the sector's middle half▲ 240%
Debt€1,607-€73,464▲ 4,471%€298,356▲ 306%
Working capital€18,239within the sector's middle half-€21,057within the sector's middle half▲ 15.4%€163,634above the sector's middle half▲ 677%
Solvency92.6%above the sector's middle half-23.1%below the sector's middle half▼ 69.5pp8.1%below the sector's middle half▼ 15.0pp
Current ratio12.35above the sector's middle half-1.29within the sector's middle half▼ 11.062.02within the sector's middle half▲ 0.73
Return on assets (ROA)0.5%below the sector's middle half-2.0%below the sector's middle half▲ 1.4pp1.3%below the sector's middle half▼ 0.7pp
Staff (FTE)13▲ 200%
above within below the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€5,000€10,000Operating result 2023: €191€191Net result 2023: €119€119Operating result 2024: €2,780€2,780Net result 2024: €1,901€1,901Operating result 2025: €10,515€10,515Net result 2025: €4,222€4,222202320242025€0€5,000€10,000Operating result 2023: €191€191Net result 2023: €119€119Operating result 2024: €2,780€2,780Net result 2024: €1,901€1,900Operating result 2025: €10,515€10,500Net result 2025: €4,222€4,220202320242025
The operating result has risen two years in a row; 2025 is 278% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €324,598
Fixed assets €47 ▼ 95.1%
Current assets €324,551 ▲ 243%
Equity and liabilities €324,598
Equity €26,243 ▲ 19.2%
Debt €298,356 ▲ 306%
Debt's share of the balance-sheet total rises from 76.9% to 91.9%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€11,432▲
2024 · €3,696
Cash flow
€5,139▲
2024 · €2,818
Debt to equity
11.37▲
2024 · 3.34
ROE
16.1%▲
2024 · 8.6%
Interest coverage
2.91▼
2024 · 30.39
Debt ≤ 1 year
€160,918▲
2024 · €73,464
Debt > 1 year
€137,438
Income taxes
€2,359▲
2024 · €757
Staff costs
€135,401▲
2024 · €36,332
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,136 companies that looked in July 2024 the way this one looks now, 4.9% went bankrupt within 24 months and 92% are still going.

  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a profit under 5% of the balance sheet
4.9% went bankrupt
2.0% stopped otherwise
92% still going

A further 1.1% 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 497,662 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% 1.7%
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 75% 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 2,136 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 · 36 lines
Balance sheet Code20242025
Assets
Total assets20/58€95,485€324,598▲
Fixed assets21/28€963€47▼
Intangible fixed assets21€963€47▼
Current assets29/58€94,521€324,551▲
Amounts receivable within one year40/41€69,725€309,480▲
Trade receivables40€69,725€309,480▲
Cash at bank and in hand54/58€23,535€11,073▼
Deferred charges and accrued income490/1€1,261€3,999▲
Equity and liabilities
Total equity and liabilities10/49€95,485€324,598▲
Equity10/15€22,020€26,243▲
Contributions10/11€20,000€20,000=
Profit (loss) carried forward14€2,020€6,243▲
Amounts payable17/49€73,464€298,356▲
Amounts payable after more than one year17-€137,438
Financial debts170/4-€137,438
Amounts payable within one year42/48€73,464€160,918▲
Current portion of amounts payable after more than one year42-€20,562
Trade debts44€52,744€86,423▲
Suppliers440/4€52,744€86,423▲
Taxes, remuneration and social security45€20,721€23,933▲
Taxes450/3€9,441€5,817▼
Remuneration and social security454/9€11,279€18,116▲
Other amounts payable47/48-€30,000
Income statement Code20242025
Remuneration, social security and pensions62€36,332€135,401▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€917€917=
Other operating charges640/8€361€486▲
Gross operating margin9900€40,389€147,318▲
Operating profit (loss)9901€2,780€10,515▲
Financial charges65/66B€122€3,933▲
Recurring financial charges65€122€3,933▲
Profit (loss) for the period before taxes9903€2,658€6,582▲
Income taxes67/77€757€2,359▲
Profit (loss) for the period9904€1,901€4,222▲
Profit (loss) for the period to be appropriated9905€1,901€4,222▲
Appropriation of the result
Profit (loss) to be appropriated9906€2,020€6,243▲
Profit (loss) brought forward from the previous period14P€119€2,020▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Turnover70€0---
Goods, raw materials, services and sundry goods60/61€0---
Remuneration, social security and pensions62-€36,332€135,401▲ 273%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€870€917€917=
Other operating charges640/8€151€361€486▲ 34.6%
Gross operating margin9900€1,212€40,389€147,318▲ 265%
Operating profit (loss)9901€191€2,780€10,515▲ 278%
Financial charges65/66B€32€122€3,933▲ 3,134%
Recurring financial charges65€32€122€3,933▲ 3,134%
Profit (loss) for the period before taxes9903€159€2,658€6,582▲ 148%
Income taxes67/77€40€757€2,359▲ 212%
Profit (loss) for the period9904€119€1,901€4,222▲ 122%
Profit (loss) for the period to be appropriated9905€119€1,901€4,222▲ 122%
Line202320242025Change
Assets
Total assets20/58€21,726€95,485€324,598▲ 240%
Fixed assets21/28€1,880€963€47▼ 95.1%
Intangible fixed assets21€1,880€963€47▼ 95.1%
Current assets29/58€19,846€94,521€324,551▲ 243%
Amounts receivable within one year40/41€5,669€69,725€309,480▲ 344%
Trade receivables40€5,189€69,725€309,480▲ 344%
Other amounts receivable41€479---
Cash at bank and in hand54/58€12,603€23,535€11,073▼ 53.0%
Deferred charges and accrued income490/1€1,574€1,261€3,999▲ 217%
Equity and liabilities
Total equity and liabilities10/49€21,726€95,485€324,598▲ 240%
Equity10/15€20,119€22,020€26,243▲ 19.2%
Contributions10/11€20,000€20,000€20,000=
Profit (loss) carried forward14€119€2,020€6,243▲ 209%
Amounts payable17/49€1,607€73,464€298,356▲ 306%
Amounts payable after more than one year17--€137,438-
Financial debts170/4--€137,438-
Amounts payable within one year42/48€1,607€73,464€160,918▲ 119%
Current portion of amounts payable after more than one year42--€20,562-
Trade debts44€1,567€52,744€86,423▲ 63.9%
Suppliers440/4€1,567€52,744€86,423▲ 63.9%
Taxes, remuneration and social security45€40€20,721€23,933▲ 15.5%
Taxes450/3€40€9,441€5,817▼ 38.4%
Remuneration and social security454/9-€11,279€18,116▲ 60.6%
Other amounts payable47/48--€30,000-
Line202320242025Change
Profit (loss) for the period9904€119€1,901€4,222▲ 122%
+ Depreciation and write-downs630€870€917€917=
Operating cash flow (approximation)€989€2,818€5,139▲ 82.4%
Investment in fixed assets (approximation)-€0€0-
Change in cash-€10,931-€12,462▼ 214%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
16-04
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Highest result since 2023net €4,222 ▲122%
Operating result €10,515, net result €4,222, both a record.
16-05
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
30-01
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 183 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
3 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2023
seat establishment approximate The establishment unit on the map
Ground area
3.1 ha
Parcel 25385E0093/00G004, Wallonia. Linked by address, not a title deed.
1 establishment unit
ArgAccount
Allée de Clerlande 3, 1340 Ottignies-Louvain-la-NeuveCertified accountants and tax accountants
since 20232.344.036.771
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25385E0093/00G004 Wallonia 3.1 ha - -
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.

Structure & network

Owners and holdings

1 owner

Chain of control

  1. Bureau Comptable et Fiscal SCAMARDI 50.5%
  2. ArgAccount

Highest known parent: Bureau Comptable et Fiscal SCAMARDI. The sources do not say who stands above it.

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 4,914 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
Founded07-03-2023
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID 0208:0799265746
Registered 03-04-2023

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

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