ACCESS
ActiveSummary
ACCESS has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €279k and a net result of €48k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 72% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-14
Solvency95▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.05 in 2024; short-term debt: 28.3% and cash: 30% of total assets), and 30.3% 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 · 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
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
69.7%
Return on assets
12%
Age of the figures
12 mo
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 →
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-05-2026, 18 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
18 d late
2024
1 d early
2022
55 d early
2021
4 d late
2020
43 d early
2019
57 d early
2018
50 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, micro schema
Equity
€279k▲ 20.7%
2024 · €231k
2018: €105k
2019: €114k
2020: €115k
2021: €127k
2022: €142k
2024: €231k
2018 → 2025
Total assets
€400k▲ 6.7%
2024 · €375k
2018: €336k
2019: €335k
2020: €313k
2021: €307k
2022: €243k
2024: €375k
2018 → 2025
Net result
€48k▼ 46.3%
2024 · €89k
2018: €6k
2019: €9k
2020: €290
2021: €12k
2022: €15k
2024: €89k
2018 → 2025
Working capital
€74k▲ 950%
2024 · €7k
2018: €-184k
2019: €-163k
2020: €-147k
2021: €-120k
2022: €-90k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€115k-€127k▲ 10.3%€142k▲ 12.1%€231k▲ 62.9%€279k▲ 20.7%
Operating result€2k-€17k▲ 755%€23k▲ 35.0%€129k▲ 465%€69k▼ 46.1%
Net result€290-€12k▲ 3,964%€15k▲ 29.5%€89k▲ 485%€48k▼ 46.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €400k
Fixed assets
€213k ▼ 8.3%
Current assets
€187k ▲ 31.1%
Equity and liabilities €400k
Equity
€279k ▲ 20.7%
Debt
€121k ▼ 15.8%
Debt's share of the balance-sheet total falls from 38.4% to 30.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€90k▼
2024 · €163k
Cash flow
€69k▼
2024 · €123k
Current ratio
1.66▲
2024 · 1.05
Quick ratio
1.27▲
2024 · 0.63
Debt to equity
0.43▼
2024 · 0.62
ROE
17.2%▼
2024 · 38.6%
ROA
12.0%▼
2024 · 23.8%
Interest coverage
38.48▼
2024 · 49.10
Debt ≤ 1 year
€113k▼
2024 · €136k
Debt > 1 year
€8k=
2024 · €8k
Income taxes
€19k▼
2024 · €36k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€375k€400k▲
Fixed assets21/28€232k€213k▼
Intangible fixed assets21€920€301▼
Tangible fixed assets22/27€231k€212k▼
Land and buildings22€214k€199k▼
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€13k€10k▼
Current assets29/58€143k€187k▲
Stocks and contracts in progress3€58k€44k▼
Stocks30/36€58k€44k▼
Amounts receivable within one year40/41€2k€15k▲
Trade receivables40-€4k
Other amounts receivable41€2k€11k▲
Cash at bank and in hand54/58€80k€120k▲
Deferred charges and accrued income490/1€2k€9k▲
Equity and liabilities
Total equity and liabilities10/49€375k€400k▲
Equity10/15€231k€279k▲
Contributions10/11€19k€19k=
Reserves13€102k€150k▲
Tax-exempt reserves132€680€680=
Distributable reserves133€101k€149k▲
Profit (loss) carried forward14€110k€110k=
Amounts payable17/49€144k€121k▼
Amounts payable after more than one year17€8k€8k=
Other amounts payable178/9€8k€8k=
Amounts payable within one year42/48€136k€113k▼
Financial debts43€5k€5k▼
Credit institutions430/8€5k€5k▼
Trade debts44€11k€11k▼
Suppliers440/4€11k€11k▼
Taxes, remuneration and social security45€18k€18k▲
Taxes450/3€16k€16k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€102k€79k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€21k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-2k-
Other operating charges640/8€8k€10k▲
Gross operating margin9900€169k€100k▼
Operating profit (loss)9901€129k€69k▼
Financial income75/76B€82€12▼
Recurring financial income75€82€12▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€126k€67k▼
Income taxes67/77€36k€19k▼
Profit (loss) for the period9904€89k€48k▼
Profit (loss) for the period to be appropriated9905€89k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€200k€158k▼
Profit (loss) brought forward from the previous period14P€110k€110k=
Transfer to equity691/2€89k€48k▼
To other reserves6921€89k€48k▼
The notes to these accounts (8 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €89k ▲485%
Operating result €129k, net result €89k, both a record.
30-09
Financial
Liquidity times 33current ratio 1.05
Current ratio from 0.03 to 1.05.
30-09
Financial
Equity above €200kEq €231k ▲62.9%
6 profitable years in a row build equity to €231k.
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €290 ▼96.9%
Net result drops to €290, the lowest in the series; recovery starts the following year.
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Antwerpen · 2 establishment units since 2001
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.
Keizerstraat 622000 AntwerpenGround area
356 m²
Building footprint
176 m²
Volume, LiDAR
1,798 m³
2 parcels, Flanders · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Keizerstraat 62 A, 2000 Antwerpen
since 20012.012.106.038
Access
since 20232.356.765.151
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11802B2011/00R000 | Flanders | 194 m² | 1 · 162 m² | 16.4 m · 4 fl. |
| 11804D1258/00F000 | Flanders | 162 m² | 1 · 14 m² | 10.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
Jumat
BE 0726.932.747
Sint-Katelijne-Waver · Eq €279,060
EVOLVE-IT
BE 0547.783.942
Overijse · Eq €279,927
SF DRIVEN
BE 0795.840.557
Geraardsbergen · Eq €279,930
CTB INVEST
BE 0811.989.275
Wuustwezel · Eq €277,396
MIBOTEX
BE 0841.714.431
Anzegem · Eq €280,929
Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,762 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
Founded01-03-1976
Fiscal year end30-09
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
47511Retail trade
47551Retail sale of household furniture
47559Retail sale of other household articles
47722Retail trade
47770Retail sale of watches and jewellery
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.