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Generated 12-08-2026
Active BE 0799.265.746Private limited company

ArgAccount

Allée de Clerlande 3 ·1340 Ottignies-Louvain-la-Neuve, Belgium· 3 yrs active
Sector: Activiteiten van (gecertificeerde) (fiscaal) accountants (69201)
Conclusion Checked

The computed 12-month bankruptcy probability of ArgAccount is 0.4% (very low). The 2024 annual accounts show equity of €22k and a net result of €2k. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €22k
Net result €2k
Staff (FTE) 1
Active 3 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health61Profitability43Solvency39Growth-Stability79
56 / 100

Mixed profile: strong on stability, weaker on solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 61
Profitability 43
Solvency 39
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
61 / 100 Healthy
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 16-04-2026 with the NBB · fiscal year 2025 · micro
Fiscal year2024
Depositmicro
Revenue-
EBITDA€4k
Net profit€2k
Cash flow€3k
Staff costs€36k
Income taxes€757
Dividends-
Total assets€95k
Equity€22k
Debt€73k
of which ≤ 1y€73k
of which > 1y-
Working capital€21k
Employees (FTE)1.0
Ratios (computed)
2024
Current ratio1.29
Quick ratio1.29
Working capital ratio22.1%
Solvency23.1%
Debt / equity3.34
Long-term debt ratio-
Interest coverage30.39
Gross margin-
Net margin-
ROA2.0%
ROE8.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€95k
Fixed assets 21/28€963
Intangible fixed assets 21€963
Current assets 29/58€95k
Amounts receivable within one year 40/41€70k
Cash & bank 54/58€24k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€95k
Equity 10/15€22k
Contributions / capital 10/11€20k
Accumulated profits (losses) 14€2k
Amounts payable 17/49€73k
Amounts payable within one year 42/48€73k
Trade debts payable within one year 44€53k
Income statement
Gross operating margin 9900€40k
Operating result 9901€3k
Financial charges 65€122
Result before taxes 9903€3k
Income taxes 67/77€757
Net result for the period 9904€2k
Result to be appropriated 9905€2k
Ratios computed by Checked.
Legal Structure
NACE primary Activiteiten van (gecertificeerde) (fiscaal) accountants(69201)
Legal form Private limited company(610)
Incorporation07-03-2023
StatusActive
Postal code1340
Establishment units 1 location
ArgAccount
Allée de Clerlande 3, 1340 Ottignies-Louvain-la-NeuveActiviteiten van (gecertificeerde) (fiscaal) accountants
since 20232.344.036.771
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25385E0093/00G004 Wallonia 3.1 ha - -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
16-04-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
16-05-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
07-04-2025
State Gazette act Director changes
30-01-2025
NBB filing Annual accounts filed
fiscal year 2023 · micro
2024
23-07-2024
State Gazette act Director changes
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2025
07-04-2025 Discharge granted to the board Director changes
Technical details 
{
  "events": [
    {
      "kind": "decharge_granted",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Sabrina Scamardi",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Ottignies-Louvain-la-Neuve",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": "2025-03-06",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "enig_aandeelhouder_schriftelijk",
      "date": "2025-03-06",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0799.265.746",
    "name_full": "ARGACCOUNT",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Scamardi Sabrina",
    "org_rep_person_name": null,
    "person_role_at_subject": "Administrateur"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2024
23-07-2024 Virginie BAUCHAU appointed as daily management Director changes
  • Virginie BAUCHAU, Dagelijks bestuur
Technical details 
{
  "events": [
    {
      "kind": "delegation_dagelijks_bestuur_in",
      "role": "dagelijks_bestuur",
      "person": {
        "rrn": "92.05.25-522.16",
        "name": "Virginie BAUCHAU",
        "address": "Groenendaallan 36, 3090 Overijse",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-06-07",
      "evidence_quote": "L\u0027administrateur d\u00E9cide de constituer sous sa responsabilit\u00E9 comme mandataire sp\u00E9cial Madame Virginie BAUCHAU, domicili\u00E9e Groenendaallan 36 \u00E0 3090 Overijse (NN 92.05.25-522.16) et de lui conf\u00E9rer pour le compte de la soci\u00E9t\u00E9 les pouvoirs limit\u00E9s suivants:",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_granted",
      "role": null,
      "person": {
        "rrn": null,
        "name": "Sabrina Scamardi",
        "address": null,
        "birth_date": null,
        "profession": "Administrateur",
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-06-07",
      "evidence_quote": "Fait \u00E0 Ottignies-Louvain-la-Neuve, le 7 juin 2024.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Ottignies-Louvain-la-Neuve",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2024-07-23",
    "filing_date": "2024-06-28",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "enig_aandeelhouder_schriftelijk",
      "date": "2024-06-07",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0799.265.746",
    "name_full": "ArgAccount",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Scamardi Sabrina",
    "org_rep_person_name": null,
    "person_role_at_subject": "Administrateur"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Accountants en belastingconsulenten69201Activiteiten van (gecertificeerde) (fiscaal) accountants69201
Primary activity highlighted.
Names & trade names
Legal nameFR ArgAccount
Registered office
Allée de Clerlande 3
1340 Ottignies-Louvain-la-Neuve, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative