AXIOM CAPITAL · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of AXIOM CAPITAL is 1.1% (low). The 2024 annual accounts show equity of €14k and a net result of €-1k. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 4950 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

1 signal · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 95% of 4950 peers (2024). A comfortable equity buffer.

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	04-07-2025	27 d early	2025-00238190
31-12-2023	31-07-2024	17-07-2024	14 d early	2024-00259083
31-12-2022	31-07-2023	27-07-2023	4 d early	2023-00287305
31-12-2021	31-07-2022	27-07-2022	4 d early	2022-20241154

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2020, 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

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.1% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Annual accounts: weaker financial profile +

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

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€-1k-112.8%

Working capital€14k-10.0%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 04-07-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~7.2%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	96.1%	16.7%	better than 95% of 4950 sector peers
Net result	€-1k	€2k	better than 41% of 4942 sector peers
Equity	€14k	€27k	better than 41% of 4953 sector peers
Gross operating margin	€-2k	€27k	better than 19% of 4936 sector peers
Total assets	€14k	€302k	better than 6% of 4952 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P95

Stable position over 2022-2024 · n=3187-4950

Net result P41

Stable position over 2022-2024 · n=3179-4942

Equity P41

Stable position over 2022-2024 · n=3190-4953

Gross operating margin P19

Stable position over 2022-2024 · n=3173-4936

Describes the position versus peers, not a forecast.

Net profit

€-1k

-112.8% 22-24

Total assets

€14k

-6.8% 22-24

Equity

€14k

-9.8% 22-24

Working capital

€14k

-10.0% 22-24

Debt

€555

+396.7% 22-24

Debt ≤ 1y

€555

+632.4% 22-24

Current ratio

25.74

-87.3% 22-24

Quick ratio

25.74

-87.3% 22-24

Solvency

96.1%

-3.2% 22-24

Debt / equity

0.04

+450.6% 22-24

ROE

-10.9%

-135.9% 22-24

ROA

-10.4%

-128.4% 22-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€-1k
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€14k
Equity	€14k
Debt	€555
of which ≤ 1y	€555
of which > 1y	-
Working capital	€14k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	25.74
Quick ratio	25.74
Working capital ratio	96.1%
Solvency	96.1%
Debt / equity	0.04
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	-10.4%
ROE	-10.9%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Equity & liabilities

Equity €14k · 96.1% Debt €555 · 3.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€14k
Current assets	29/58	€14k
Amounts receivable within one year	40/41	€14k
Cash & bank	54/58	€7
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€14k
Equity	10/15	€14k
Contributions / capital	10/11	€20k
Accumulated profits (losses)	14	€-6k
Amounts payable	17/49	€555
Amounts payable within one year	42/48	€555
Trade debts payable within one year	44	€555
Income statement
Gross operating margin	9900	€-2k
Operating result	9901	€-2k
Financial income	75	€925
Financial charges	65	€41
Result before taxes	9903	€-1k
Net result for the period	9904	€-1k
Result to be appropriated	9905	€-1k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

62 / 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.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

AXIOM CAPITAL

Chaussée de Dinant(WP) 755, 5100 NamurAgenten en makelaars in bankdiensten

since 20212.311.374.594

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area959 m²

Buildings1

Building footprint169 m²

Volume (LiDAR)1,975 m³

Tallest building15.6 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.
92135B0030/00A000	Wallonia	959 m²	1 · 169 m²	15.6 m · 4 fl.

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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

58 / 100

Mixed profile: strong on solvency, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 62

Profitability 0

Solvency 100

Growth 32

Stability 94

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