Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of ACCES PERMIS is 1.6% (moderate). The 2024 annual accounts show negative equity (€-12k) and a net result of €-17k. Its solvency ranks better than 13% of 802 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.6%
Moderate
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts 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-wideLatest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 29-07-2025 | 2 d early | 2025-00325056 |
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 signalsYoung company
Founded in 2023, under 3 years, statistically higher risk.
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.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-17k
Working capital€-34k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 29-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 85 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -32.4% | 40.2% | |
| Net result | €-17k | €7k | |
| Equity | €-12k | €19k | |
| Gross operating margin | €44k | €19k | |
| Staff costs | €56k | €17k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-13k |
| Net profit | €-17k |
| Cash flow | €-14k |
| Staff costs | €56k |
| Income taxes | - |
| Dividends | - |
| Total assets | €36k |
| Equity | €-12k |
| Debt | €47k |
| of which ≤ 1y | €47k |
| of which > 1y | - |
| Working capital | €-34k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.28 |
| Quick ratio | 0.28 |
| Working capital ratio | -95.8% |
| Solvency | -32.4% |
| Debt / equity | -4.08 |
| Long-term debt ratio | - |
| Interest coverage | -9.42 |
| Gross margin | - |
| Net margin | - |
| ROA | -46.5% |
| ROE | 143.4% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
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 | €36k |
| Fixed assets | 21/28 | €22k |
| Tangible fixed assets | 22/27 | €22k |
| Current assets | 29/58 | €13k |
| Amounts receivable within one year | 40/41 | €4k |
| Cash & bank | 54/58 | €8k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €36k |
| Equity | 10/15 | €-12k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €-17k |
| Amounts payable | 17/49 | €47k |
| Amounts payable within one year | 42/48 | €47k |
| Trade debts payable within one year | 44 | €13k |
| Income statement | ||
| Gross operating margin | 9900 | €44k |
| Operating result | 9901 | €-15k |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €-17k |
| Net result for the period | 9904 | €-17k |
| Result to be appropriated | 9905 | €-17k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed10
/ 100
Critical
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.
Directors
Directors & mandates
1 directorCurrent directors & mandates
-
KARTOUT AdelAssocié actifState Gazette act 24143276 (04-10-2024)Current04-10-2024 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van auto- en motorrijscholen(85531) |
| Legal form | Private limited company(610) |
| Incorporation | 13-11-2023 |
| Status | Active |
| Postal code | 1190 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Sint-Denijsstraat 1591190 VorstEstablishment units
2 locationsACCES PERMIS
since 20232.352.123.603
ACCES PERMIS
since 20232.352.123.801
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels3
Ground area5.2 ha
Buildings2
Building footprint2,582 m²
Volume (LiDAR)21,182 m³
Tallest building23.0 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306C0030/00V000 | Brussels | 3.8 ha | 1 · 1,385 m² | 23.0 m · 2 fl. |
| 21382C0272/00T000 | Brussels | 1.4 ha | 1 · 1,197 m² | 10.9 m · 1 fl. |
| 52322B0084/00D067indicative | Wallonia | 315 m² | - | - |
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 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
Belgisch Staatsblad · acts
2 acts Capital history · 1
04-10-2024
v3.2
Address history · 1
06-06-2024
Registered-office move
All acts · 2
updated 1 year ago
2024
04-10-2024 Transaction in capital or shares
Summary:
v3.2
06-06-2024 Registered office moved from Bruxelles to Forest
- Boulevard du Midi 52 - 1000 Bruxelles → rue Saint-Denis 159, 1190 Forest
Notary:
AOURAGH Az-Dine · Bruxelles
Analysis
Snowflake analysis
financial profile on 5 axes52
/ 100
Mixed profile: strong on profitability, weaker on health.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
10
Profitability
100
Solvency
33
Growth
-
Stability
67
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Credit advice
verdict per customer and amountSimilar
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 102 of the 1,038 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Autorijscholen85531Activiteiten van auto- en motorrijscholen85531Overige vormen van onderwijs85599Overige vormen van onderwijs85599
Primary activity highlighted.
Names & trade names
| Legal nameFR | ACCES PERMIS |
Registered office
Sint-Denijsstraat 159
1190 Vorst, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.