ACCES DIRECT
ActiveSummary
ACCES DIRECT has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €-6k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 18% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+4
Solvency35▼-65
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 20.04 against 7.21 in 2024; short-term debt: 0.2% and cash: 1.3% of total assets), but 89.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-6k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 8001 sector peers (2025).
NBB · sector comparisonPosition among 8001 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
7 d late
2023
8 d late
2022
on the day
2021
2 d late
2020
24 d early
2019
7 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€116k▼ 5.1%
2024 · €123k
2018: €90k
2019: €93k
2020: €115k
2021: €123k
2022: €124k
2023: €128k
2024: €123k
2018 → 2025
Total assets
€1.12M▲ 759%
2024 · €130k
2018: €207k
2019: €154k
2020: €159k
2021: €142k
2022: €132k
2023: €151k
2024: €130k
2018 → 2025
Net result
€-6k▼ 18.5%
2024 · €-5k
2018: €117
2019: €3k
2020: €22k
2021: €8k
2022: €810
2023: €4k
2024: €-5k
2018 → 2025
Working capital
€51k▲ 7.3%
2024 · €47k
2018: €26k
2019: €-12k
2020: €11k
2021: €21k
2022: €34k
2023: €34k
2024: €47k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€123k-€124k▲ 0.7%€128k▲ 3.5%€123k▼ 4.2%€116k▼ 5.1%
Operating result€14k-€3k▼ 76.1%€11k▲ 238%€-4k€-4k▼ 6.9%
Net result€8k-€810▼ 89.7%€4k▲ 439%€-5k€-6k▼ 18.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €4k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.12M
Fixed assets
€1.07M ▲ 1,310%
Current assets
€53k ▼ 2.7%
Equity and liabilities €1.12M
Equity
€116k ▼ 5.1%
Debt
€1.00M ▲ 13,112%
Debt's share of the balance-sheet total rises from 5.8% to 89.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€16k▲
2024 · €15k
Cash flow
€15k▲
2024 · €14k
Current ratio
20.04▲
2024 · 7.21
Debt to equity
8.61▲
2024 · 0.06
ROE
-5.4%▼
2024 · -4.3%
ROA
-0.6%▲
2024 · -4.1%
Interest coverage
6.35▼
2024 · 20.88
Debt ≤ 1 year
€3k▼
2024 · €8k
Debt > 1 year
€1.00M
Income taxes
€183▼
2024 · €462
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€130k€1.12M▲
Fixed assets21/28€76k€1.07M▲
Intangible fixed assets21-€8k
Tangible fixed assets22/27€75k€58k▼
Land and buildings22€64k€53k▼
Plant, machinery and equipment23€604€232▼
Furniture and vehicles24€11k€4k▼
Financial fixed assets28€310€1.00M▲
Current assets29/58€55k€53k▼
Amounts receivable within one year40/41€23k€39k▲
Trade receivables40€16k€25k▲
Other amounts receivable41€6k€14k▲
Cash at bank and in hand54/58€31k€14k▼
Deferred charges and accrued income490/1€835-
Equity and liabilities
Total equity and liabilities10/49€130k€1.12M▲
Equity10/15€123k€116k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Uncalled capital101€27€27=
Reserves13€36k€36k=
Non-distributable reserves130/1€4k€4k=
Legal reserve130€4k€4k=
Distributable reserves133€32k€32k=
Profit (loss) carried forward14€25k€18k▼
Amounts payable17/49€8k€1.00M▲
Amounts payable after more than one year17-€1.00M
Financial debts170/4-€1.00M
Amounts payable within one year42/48€8k€3k▼
Current portion of amounts payable after more than one year42€5k-
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€462€176▼
Taxes450/3€462€176▼
Other amounts payable47/48€389€131▼
Accrued charges and deferred income492/3-€583
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€21k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€17k€19k▲
Operating profit (loss)9901€-4k€-4k▼
Financial income75/76B-€880
Recurring financial income75-€880
Financial charges65/66B€730€3k▲
Recurring financial charges65€730€3k▲
Profit (loss) for the period before taxes9903€-5k€-6k▼
Income taxes67/77€462€183▼
Profit (loss) for the period9904€-5k€-6k▼
Profit (loss) for the period to be appropriated9905€-5k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€18k▼
Profit (loss) brought forward from the previous period14P€30k€25k▼
The notes to these accounts (11 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 20.04
Current ratio from 7.21 to 20.04; short-term debt falls from €8k to €3k.
16-12
State Gazette act
General meeting · Demerger
Incorporation · Founding capital
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 7.21
Current ratio from 2.47 to 7.21; short-term debt falls from €23k to €8k.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
11-01
State Gazette act
General meeting · Director appointment
Permanent representative
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 5.41
Current ratio from 2.09 to 5.41; short-term debt falls from €19k to €8k.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
31-12
Financial
Highest result since 2018net €22k ▲608%
Operating result €36k, net result €22k, both a record.
31-12
Financial
Equity above €100kEq €115k ▲23.2%
3 profitable years in a row build equity to €115k.
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 7 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
04-01
State Gazette act
General meeting · Director appointment
Permanent representative · Board meeting
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
01-06
State Gazette act
General meeting · Mandate compensation
Mandate term · Permanent representative
2014
24-01
State Gazette act
General meeting · Director appointment
Board meeting · Power of attorney
2013
28-06
State Gazette act
General meeting · Approval
Director discharge · Auditor appointment
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, Gembloux · 1 establishment unit since 1992
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.
Sentier du Chafor 35030 GemblouxGround area
2,534 m²
Building footprint
607 m²
Parcel 92053A0235/00Y000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Sentier du Chafor 3, 5030 Gembloux
since 19922.059.412.245
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92053A0235/00Y000 | Wallonia | 2,534 m² | 1 · 607 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
12 connected companiesLinked via shared directors
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Show 8 more companies with a shared director
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
4 locations
Similar companies · same sector, comparable size
AELIA
BE 0679.741.653
Etterbeek · Eq €116,359
NEATWORK SOLUTIONS
BE 0553.877.324
Kinrooi · Eq €116,794
HORIZON ENERGIE
BE 0544.930.261
Philippeville · Eq €116,805
HannElke
BE 0861.219.844
Ronse · Eq €116,851
GROUPE PIAGNERELLI & CIE
BE 0841.714.530
Charleroi · Eq €116,887
Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,964 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 formPublic limited company
Founded20-10-1992
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.