ACB group
ActiveSummary
ACB group has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.82M and a net result of €2.53M. Equity is growing by ~46% per year across the filed fiscal years. Its solvency ranks better than 55% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▼-46
Solvency83▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €550k at 30 days acceptable
Liquidity short (current ratio 0.44 against 0.5 in 2024; short-term debt: 17.8% and cash: 0.3% of total assets), and 42.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
57.7%
Return on assets
18.7%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
8 d early
2023
32 d early
2022
35 d early
2021
40 d early
2020
33 d early
2019
37 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema, statutory accounts
Turnover
€1.35M
EBIT margin
-1.7%
Net result
€2.53M▼ 27.7%
2024 · €3.50M
2019: €-63k
2020: €244k
2021: €869k
2022: €743k
2023: €1.91M
2024: €3.50M
2019 → 2025
Working capital
€-1.35M▲ 15.8%
2024 · €-1.60M
2019: €-86k
2020: €-57k
2021: €159k
2022: €274k
2023: €-284k
2024: €-1.60M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.35M
Equity€2.09M-€2.28M▲ 9.3%€4.18M▲ 83.6%€5.29M▲ 26.4%€7.82M▲ 47.9%
Operating result€-685k-€669k€-23k€1.35M€211k▼ 84.4%
Net result€869k-€743k▼ 14.5%€1.91M▲ 156%€3.50M▲ 83.9%€2.53M▼ 27.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 84% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13.55M
Fixed assets
€12.49M ▲ 43.7%
Current assets
€1.07M ▼ 34.2%
Equity and liabilities €13.55M
Equity
€7.82M ▲ 47.9%
Debt
€5.74M ▲ 14.1%
Debt's share of the balance-sheet total falls from 48.7% to 42.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€262k▼
2024 · €1.49M
Cash flow
€2.58M▼
2024 · €3.64M
Current ratio
0.44▼
2024 · 0.50
Debt to equity
0.73▼
2024 · 0.95
ROE
32.4%▼
2024 · 66.2%
ROA
18.7%▼
2024 · 34.0%
Interest coverage
1.47▼
2024 · 6.08
Debt ≤ 1 year
€2.42M▼
2024 · €3.23M
Debt > 1 year
€3.29M▲
2024 · €1.80M
Income taxes
€-75k▼
2024 · €392k
Staff costs
€280k▼
2024 · €615k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 61 lines
Balance sheet
Code20242025
Assets
Total assets20/58€10.32M€13.55M▲
Fixed assets21/28€8.69M€12.49M▲
Intangible fixed assets21-€5k
Tangible fixed assets22/27€3.87M€3.95M▲
Land and buildings22€961k€995k▲
Plant, machinery and equipment23€11k€7k▼
Furniture and vehicles24€33k€16k▼
Other tangible fixed assets26€2.87M€2.87M=
Assets under construction and advance payments27-€63k
Financial fixed assets28€4.82M€8.53M▲
Current assets29/58€1.63M€1.07M▼
Amounts receivable within one year40/41€804k€842k▲
Trade receivables40€474k€101k▼
Other amounts receivable41€329k€741k▲
Cash at bank and in hand54/58€514k€42k▼
Deferred charges and accrued income490/1€308k€185k▼
Equity and liabilities
Total equity and liabilities10/49€10.32M€13.55M▲
Equity10/15€5.29M€7.82M▲
Contributions10/11€20k€20k=
Outside capital11€20k-
Other1109/19€20k-
Reserves13€5.27M€7.80M▲
Tax-exempt reserves132€463k€463k=
Distributable reserves133€4.80M€7.34M▲
Amounts payable17/49€5.03M€5.74M▲
Amounts payable after more than one year17€1.80M€3.29M▲
Financial debts170/4€1.80M€3.29M▲
Amounts payable within one year42/48€3.23M€2.42M▼
Current portion of amounts payable after more than one year42€1.36M€938k▼
Financial debts43€728k€1.35M▲
Credit institutions430/8€728k€1.35M▲
Trade debts44€295k€75k▼
Suppliers440/4€295k€75k▼
Taxes, remuneration and social security45€57k€59k▲
Taxes450/3€9k€28k▲
Remuneration and social security454/9€48k€31k▼
Other amounts payable47/48€785k-
Accrued charges and deferred income492/3-€24k
Income statement
Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€615k€280k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€139k€51k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€75k-
Other operating charges640/8€210k€83k▼
Gross operating margin9900€2.39M€625k▼
Operating profit (loss)9901€1.35M€211k▼
Financial income75/76B€2.79M€2.42M▼
Recurring financial income75€2.79M€2.42M▼
Financial charges65/66B€245k€178k▼
Recurring financial charges65€245k€178k▼
Profit (loss) for the period before taxes9903€3.90M€2.46M▼
Income taxes67/77€392k€-75k▼
Profit (loss) for the period9904€3.50M€2.53M▼
Transfer to tax-exempt reserves689€463k-
Profit (loss) for the period to be appropriated9905€3.04M€2.53M▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.04M€2.53M▼
Transfer from equity791/2€2.25M-
Transfer to equity691/2€2.89M€2.53M▼
To other reserves6921€2.89M€2.53M▼
Profit to be distributed694/7€2.40M-
Return on contributions (dividend)694€2.40M-
Social balance
Average headcount (FTE)90873.33.2▼
The notes to these accounts (21 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · consolidated
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
05-02
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
05-02
State Gazette act
Board meeting · Merger
Accounting effect · Shareholding
2025
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2019net €3.50M ▲83.9%
Operating result €1.35M, net result €3.50M, both a record.
30-09
Financial
Equity above €5MEq €5.29M ▲26.4%
5 profitable years in a row build equity to €5.29M.
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Liquidity doublescurrent ratio 1.82
Current ratio from 0.77 to 1.82; short-term debt falls from €245k to €194k.
31-03
Financial
Equity above €2MEq €2.09M ▲71.4%
2 profitable years in a row build equity to €2.09M.
Show earlier events
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Back to profitnet €244k
Net result €244k after one loss-making year.
31-03
Financial
Equity above €1MEq €1.22M ▲25.1%
Equity rises from €973k to €1.22M.
2019
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
13-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneState Gazette actNBB 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, Zaventem · 2 establishment units since 2002
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.
Leuvensesteenweg 4301930 ZaventemGround area
1.8 ha
Building footprint
6,040 m²
Volume, LiDAR
57,673 m³
3 parcels, Brussels, Flanders · tallest building 27.6 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Invalidenlaan 220-222, 1160 Oudergem
since 20022.114.551.005
Steenweg op Brussel 317, 1950 Kraainem
since 20252.384.779.939
3 parcels
Flanders
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23772C0438/00A000 | Flanders | 9,051 m² | 1 · 2,341 m² | 8.7 m · 2 fl. |
| 21002A0108/00M000 | Brussels | 4,552 m² | 1 · 3,351 m² | 27.6 m · 4 fl. |
| 22002C0076/00W007 | Flanders | 4,019 m² | 1 · 348 m² | 17.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
5 locations
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 443 EUR awarded · 443 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 443 EUR | 443 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 8,206 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-08-2002
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.