ACCES & DESIGN

Active

Private limited company (pre-2019)founded 2014active for 12 yearsBourcy 644, 6600 Bastogne, BelgiumKBO/BCE: BE 0546.980.822

Summary

The annual accounts of ACCES & DESIGN for financial year 2025 show a net loss of 90% of the equity at the start of that year. The 2025 annual accounts show equity of €1,141 and a net result of -€9,974. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 34,747 sector peers (NACE 43, financial year 2025). The company has been active since 2014 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.3% (low).

Risk analysisFollow Report Compare

ACCES & DESIGNActiveChecked score 53/100

Risk analysis Report Compare

Activity

Joinery installation

NACE 43320

1 site

Size

≈ €240,000turnover 2025, estimated

Equity: €1,141
Loss: -€9,974

Turnover estimated from the gross margin

Financial health

53 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 1.3%

Structure

2025 accounts 25 days early3 deeds in the Belgian Official Gazette

Why 53raises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearSector: Specialised construction activities (NACE 43)Liquidity: current ratio 1.01, cash €200lowers riskSize: total assets €131,511Founded in 2014Show the evidence

Checked score

Score 2025

53 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 9% of its sector peers (NACE 43, micro)

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 26-7

equity 0.9% of total assets

Liquidity 10-19

short-term debt 74.3% · cash 0.2%

Profitability 28-20

return on assets -7.6%

Bankruptcy probability, 12 months

1.3% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,644 companies, NACE 43, micro)

Last 24 months 11-2024: 2.6% 12-2024: 2.6%● unchanged vs 11-2024 01-2025: 2.6%● unchanged vs 12-2024 02-2025: 2.7%▲ +0.1 percentage points vs 01-2025highest value 03-2025: 2.7%● unchanged vs 02-2025highest value 04-2025: 2.6%▼ -0.1 percentage points vs 03-2025 05-2025: 2.5%▼ -0.1 percentage points vs 04-2025 06-2025: 2.4%▼ -0.1 percentage points vs 05-2025 07-2025: 2.5%▲ +0.1 percentage points vs 06-2025 08-2025: 2.0%▼ -0.5 percentage points vs 07-2025 09-2025: 2.0%● unchanged vs 08-2025 10-2025: 2.0%● unchanged vs 09-2025 11-2025: 2.0%● unchanged vs 10-2025 12-2025: 1.6%▼ -0.4 percentage points vs 11-2025 01-2026: 1.6%● unchanged vs 12-2025 02-2026: 1.6%● unchanged vs 01-2026 03-2026: 1.6%● unchanged vs 02-2026 04-2026: 1.6%● unchanged vs 03-2026 05-2026: 1.6%● unchanged vs 04-2026 06-2026: 1.5%▼ -0.1 percentage points vs 05-2026 07-2026: 1.5%● unchanged vs 06-2026 08-2026: 1.3%▼ -0.2 percentage points vs 07-2026lowest value 09-2026: 1.3%● unchanged vs 08-2026lowest value 10-2026: 1.3%● unchanged vs 09-2026lowest value

No publishable credit limit; credit only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity tight (current ratio 1.01, compared with 0.98 in 2024, below the usual 1.5; short-term debt: 74.3% and cash: 0.2% of total assets), and 99.1% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 9% on solvency, 6% on liquidity, 16% on profitability and 4% on growth.

The bankruptcy probability was computed on 27-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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.

lowers riskraises riskneutral

Size: total assets €131,511

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Sector: Specialised construction activities (NACE 43)

KBO

Founded in 2014

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Liquidity: current ratio 1.01, cash €200

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 34747 sector peers (2025).

NBB · sector comparison

Position among 34747 sector peers

Solvency

better than 10%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

25 days early

2024

15 days early

2023

30 days early

2022

32 days late

2021

87 days late

2020

11 days early

2019

23 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 2 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 July (4 of the last 5 filed years within 47 days of that day).

Companies Code · seven months

Where today falls in the filing period

28-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

06-07-2026 Annual accounts filedfinancial year 2025 · micro…
16-07-2025 Annual accounts filedfinancial year 2024 · micro…
01-07-2024 Annual accounts filedfinancial year 2023 · micro…

Key points

Caution: Among the weakest 10% on equitysector median €57,780 · 34,759 companies €1,141 View
Total assets 20256 financial years filed €131,511 View
Active since 2014founded 28-02-2014 12 years View

By topic

Financials

Financial year: 2025
Total assets: €131,511
Loss: -€9,974
Solvency: 0.9%

Total assets▼ 5.7%

Net result

20182025

Go to Financials

Timeline

Events: 14
Since: 2015
Next accounts: by 31-07-2027

31-12-2023Back to profit
01-09-2023Annual accounts filed
31-12-2022Weakest financial year

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company (pre-2019)
Activity: Joinery installationNACE 43320
Founded: 28-02-2014
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about ACCES & DESIGN

What is the company number of ACCES & DESIGN?: 0546.980.822. In Belgium the VAT number is the company number with BE in front: BE 0546.980.822.
Where is ACCES & DESIGN based?: The registered office is at Bourcy 644, 6600 Bastogne.Company details
What does ACCES & DESIGN do?: According to the KBO register, the main activity is joinery installation (NACE 43320).
What is the legal form of ACCES & DESIGN?: Private limited company (pre-2019) (BVBA).
When was ACCES & DESIGN founded?: On 28-02-2014.
Is ACCES & DESIGN still active?: Yes, ACCES & DESIGN is an active enterprise in the KBO register.
What is the turnover of ACCES & DESIGN?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is ACCES & DESIGN profitable?: In financial year 2025, ACCES & DESIGN made a loss of €9,974.
Where can I find the annual accounts of ACCES & DESIGN?: ACCES & DESIGN filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of ACCES & DESIGN due?: By 31-07-2027, for financial year 2026.Timeline