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FI-ACC

Active
Public limited companyfounded 198441 yrs activeStationsstraat 168, 9260 Wichelen, BelgiumKBO/BCE: BE 0426.699.733
Summary

FI-ACC has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €278,567 and a net result of -€5,453. Equity remains stable across the filed fiscal years (±1.6% per year). The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability66▼-2
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20,000 at 30 days acceptable
Liquidity ample (current ratio 8.07 against 4.24 in 2023; short-term debt: 3.2% and cash: 7.2% of total assets), and 3.2% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 41 years 0 50 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
96.8%
Return on assets
-1.9%
Age of the figures
21 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 23-06-2026, 38 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
38 d early
2024
38 d early
2023
42 d early
2022
26 d early
2021
8 d early
2020
19 d early
2019
17 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 27 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 23 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 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

FI-ACC was incorporated on 22 December 1984.1 Total assets fell from EUR 411,427 in 2018 to EUR 287,640 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, micro schema

Equity
€278,567▼ 1.9%
2023 · €284,020
Total assets
€287,640▼ 4.4%
2023 · €300,875
Net result
-€5,453▼ 316%
2023 · -€1,310
Working capital
€64,113▲ 17.4%
2023 · €54,611
Trend over the years
In euros
In euros
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result-€5,022-€8,766▼ 74.6%-€3,723▲ 57.5%-€1,063▲ 71.4%-€6,021▼ 466%
Net result-€5,160-€8,906▼ 72.6%-€3,876▲ 56.5%-€1,310▲ 66.2%-€5,453▼ 316%
Equity€298,112▼ 1.7%€289,206▼ 3.0%€285,330▼ 1.3%€284,020▼ 0.5%€278,567▼ 1.9%
Total assets€348,006▼ 5.9%€333,969▼ 4.0%€325,919▼ 2.4%€300,875▼ 7.7%€287,640▼ 4.4%
Debt€49,894▼ 25.0%€44,763▼ 10.3%€40,589▼ 9.3%€16,855▼ 58.5%€9,073▼ 46.2%
Working capital€37,489▼ 60.3%€29,688▼ 20.8%€40,866▲ 37.7%€54,611▲ 33.6%€64,113▲ 17.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000-€7,500-€5,000-€2,500€0Operating result 2020: -€5,022-€5,022Net result 2020: -€5,160-€5,160Operating result 2021: -€8,766-€8,766Net result 2021: -€8,906-€8,906Operating result 2022: -€3,723-€3,723Net result 2022: -€3,876-€3,876Operating result 2023: -€1,063-€1,063Net result 2023: -€1,310-€1,310Operating result 2024: -€6,021-€6,021Net result 2024: -€5,453-€5,45320202021202220232024-€8,000-€6,000-€4,000-€2,000€0Operating result 2022: -€3,723-€3,720Net result 2022: -€3,876-€3,880Operating result 2023: -€1,063-€1,060Net result 2023: -€1,310-€1,310Operating result 2024: -€6,021-€6,020Net result 2024: -€5,453-€5,450202220232024
The operating result stays negative: a loss of €6,021 in 2024 against €1,063 in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €287,640
Fixed assets €214,454 ▼ 6.5%
Current assets €73,186 ▲ 2.4%
Equity and liabilities €287,640
Equity €278,567 ▼ 1.9%
Debt €9,073 ▼ 46.2%
Debt's share of the balance-sheet total falls from 5.6% to 3.2%. Equity and debt are lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€8,934▼
2023 · €13,992
Cash flow
€9,502▼
2023 · €13,745
Current ratio
8.07▲
2023 · 4.24
Debt to equity
0.03▼
2023 · 0.06
ROE
-2.0%▼
2023 · -0.5%
ROA
-1.9%▼
2023 · -0.4%
Interest coverage
35.04▼
2023 · 56.65
Debt ≤ 1 year
€9,073▼
2023 · €16,855
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 12,321 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.7% went bankrupt
8.6% stopped otherwise
90% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 12,321 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 · 2024 against 2023 · 37 lines
Balance sheet Code20232024
Assets
Total assets20/58€300,875€287,640▼
Fixed assets21/28€229,409€214,454▼
Tangible fixed assets22/27€229,409€214,454▼
Other tangible fixed assets26€229,409€214,454▼
Current assets29/58€71,466€73,186▲
Amounts receivable within one year40/41€48,705€45,655▼
Trade receivables40€48,705€45,655▼
Cash at bank and in hand54/58€17,976€20,675▲
Deferred charges and accrued income490/1€4,785€6,856▲
Equity and liabilities
Total equity and liabilities10/49€300,875€287,640▼
Equity10/15€284,020€278,567▼
Contributions10/11€116,850€116,850=
Capital10€116,850€116,850=
Issued capital100€116,850€116,850=
Reserves13€216,901€216,901=
Non-distributable reserves130/1€10,612€10,612=
Legal reserve130€10,612€10,612=
Distributable reserves133€206,289€206,289=
Profit (loss) carried forward14-€49,731-€55,184▼
Amounts payable17/49€16,855€9,073▼
Amounts payable within one year42/48€16,855€9,073▼
Trade debts44€3,815€3,893▲
Suppliers440/4€3,815€3,893▲
Other amounts payable47/48€13,040€5,180▼
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15,055€14,955▼
Other operating charges640/8€1,345€1,267▼
Gross operating margin9900€15,337€10,201▼
Operating profit (loss)9901-€1,063-€6,021▼
Financial income75/76B-€823
Recurring financial income75-€823
Financial charges65/66B€247€255▲
Recurring financial charges65€247€255▲
Profit (loss) for the period before taxes9903-€1,310-€5,453▼
Profit (loss) for the period9904-€1,310-€5,453▼
Profit (loss) for the period to be appropriated9905-€1,310-€5,453▼
Appropriation of the result
Profit (loss) to be appropriated9906-€49,731-€55,184▼
Profit (loss) brought forward from the previous period14P-€48,421-€49,731▼

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,975€14,858€15,054€15,055€14,955▼ 0.7%
Other operating charges640/8-€1,235€1,033€1,345€1,267▼ 5.8%
Gross operating margin9900€5,851€7,327€12,364€15,337€10,201▼ 33.5%
Operating profit (loss)9901-€5,022-€8,766-€3,723-€1,063-€6,021▼ 466%
Financial income75/76B----€823-
Recurring financial income75€1---€823-
Financial charges65/66B-€140€153€247€255▲ 3.2%
Recurring financial charges65€139€140€153€247€255▲ 3.2%
Profit (loss) for the period before taxes9903-€5,160-€8,906-€3,876-€1,310-€5,453▼ 316%
Profit (loss) for the period9904-€5,160-€8,906-€3,876-€1,310-€5,453▼ 316%
Profit (loss) for the period to be appropriated9905-€5,160-€8,906-€3,876-€1,310-€5,453▼ 316%
Line20202021202220232024Change
Assets
Total assets20/58€348,006€333,969€325,919€300,875€287,640▼ 4.4%
Fixed assets21/28€260,623€259,518€244,464€229,409€214,454▼ 6.5%
Tangible fixed assets22/27€260,623€259,518€244,464€229,409€214,454▼ 6.5%
Furniture and vehicles24-€200€100---
Other tangible fixed assets26-€259,318€244,364€229,409€214,454▼ 6.5%
Current assets29/58€87,383€74,451€81,455€71,466€73,186▲ 2.4%
Amounts receivable within one year40/41€51,495€59,288€66,708€48,705€45,655▼ 6.3%
Trade receivables40-€59,288€66,708€48,705€45,655▼ 6.3%
Cash at bank and in hand54/58€31,684€10,790€10,020€17,976€20,675▲ 15.0%
Deferred charges and accrued income490/1-€4,373€4,727€4,785€6,856▲ 43.3%
Equity and liabilities
Total equity and liabilities10/49€348,006€333,969€325,919€300,875€287,640▼ 4.4%
Equity10/15€298,112€289,206€285,330€284,020€278,567▼ 1.9%
Contributions10/11€116,850€116,850€116,850€116,850€116,850=
Capital10-€116,850€116,850€116,850€116,850=
Issued capital100-€116,850€116,850€116,850€116,850=
Reserves13€216,901€216,901€216,901€216,901€216,901=
Non-distributable reserves130/1-€10,612€10,612€10,612€10,612=
Legal reserve130-€10,612€10,612€10,612€10,612=
Distributable reserves133-€206,289€206,289€206,289€206,289=
Profit (loss) carried forward14-€35,639-€44,545-€48,421-€49,731-€55,184▼ 11.0%
Amounts payable17/49€49,894€44,763€40,589€16,855€9,073▼ 46.2%
Amounts payable within one year42/48€49,894€44,763€40,589€16,855€9,073▼ 46.2%
Trade debts44€2,197€2,384€3,654€3,815€3,893▲ 2.0%
Suppliers440/4-€2,384€3,654€3,815€3,893▲ 2.0%
Other amounts payable47/48-€42,379€36,935€13,040€5,180▼ 60.3%
Line20202021202220232024Change
Profit (loss) for the period9904-€5,160-€8,906-€3,876-€1,310-€5,453▼ 316%
+ Depreciation and write-downs630€9,975€14,858€15,054€15,055€14,955▼ 0.7%
Operating cash flow (approximation)€4,815€5,952€11,178€13,745€9,502▼ 30.9%
Investment in fixed assets (approximation)--€13,753€0€0€0-
Change in cash--€20,894-€770€7,956€2,699▼ 66.1%

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

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
23-06
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
19-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Liquidity doublescurrent ratio 4.24
Current ratio from 2.01 to 4.24; short-term debt falls from €40,589 to €16,855.
05-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
23-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
12-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
14-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial Back to profitnet €49
Net result €49 after one loss-making year.
27-06
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
15-06
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
10-04
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts

We know of 6 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
6 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, Wichelen · 1 establishment unit since 1984
seat establishment The establishment unit on the map
Ground area
1,472 m²
Building footprint
443 m²
Volume, LiDAR
3,018 m³
2 parcels, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
FI-ACC
Zuidlaan 48, 9230 WetterenArchitectural and engineering activities; technical testing and analysis
since 19842.102.489.747
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
42018C0143/00R000 Flanders 896 m² 1 · 155 m² 9.3 m · 2 fl.
42303F0377/00R003 Flanders 576 m² 1 · 287 m² 11.0 m · 3 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPublic limited company
Founded22-12-1984
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 30 September 2026 · Peppol Directory

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