Accountify
ActiveSummary
Accountify has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €26k and a net result of €14k. Equity is growing by ~81.3% per year across the filed fiscal years. Its solvency ranks better than 20% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability85▲+4
Solvency49▲+3
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.25 in 2023; short-term debt: 75.7% and cash: 6.6% of total assets), and 75.7% 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
24.3%
Return on assets
13.1%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 15367 sector peers (2024).
NBB · sector comparisonPosition among 15367 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-10-2025, 76 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
76 d late
2023
117 d late
2022
289 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€26k▲ 117%
2023 · €12k
2022: €7k
2023: €12k
2022 → 2024
Total assets
€108k▲ 91.4%
2023 · €57k
2022: €18k
2023: €57k
2022 → 2024
Net result
€14k▲ 154%
2023 · €6k
2022: €-3k
2023: €6k
2022 → 2024
Working capital
€26k▲ 132%
2023 · €11k
2022: €5k
2023: €11k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€7k-€12k▲ 85.0%€26k▲ 117%
Operating result€-3k-€6k€18k▲ 180%
Net result€-3k-€6k€14k▲ 154%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 180% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €108k
Fixed assets
€315 ▼ 65.8%
Current assets
€108k ▲ 94.0%
Equity and liabilities €108k
Equity
€26k ▲ 117%
Debt
€82k ▲ 84.5%
Debt's share of the balance-sheet total falls from 78.6% to 75.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€18k▲
2023 · €7k
Cash flow
€15k▲
2023 · €6k
Current ratio
1.32▲
2023 · 1.25
Debt to equity
3.12▼
2023 · 3.66
ROE
53.9%▲
2023 · 45.9%
ROA
13.1%▲
2023 · 9.8%
Interest coverage
32.69▼
2023 · 40.19
Debt ≤ 1 year
€82k▲
2023 · €44k
Income taxes
€3k▲
2023 · €533
Staff costs
€264
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 · 2024 against 2023 · 35 lines
Balance sheet
Code20232024
Assets
Total assets20/58€57k€108k▲
Fixed assets21/28€920€315▼
Tangible fixed assets22/27€920€315▼
Plant, machinery and equipment23€618€215▼
Furniture and vehicles24€303€100▼
Current assets29/58€56k€108k▲
Amounts receivable within one year40/41€55k€101k▲
Trade receivables40€53k€95k▲
Other amounts receivable41€2k€6k▲
Cash at bank and in hand54/58€1k€7k▲
Equity and liabilities
Total equity and liabilities10/49€57k€108k▲
Equity10/15€12k€26k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€2k€16k▲
Amounts payable17/49€44k€82k▲
Amounts payable within one year42/48€44k€82k▲
Trade debts44€28k€57k▲
Suppliers440/4€28k€57k▲
Advances received on contracts in progress46-€1k
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€13k€21k▲
Income statement
Code20232024
Remuneration, social security and pensions62-€264
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€606€606=
Other operating charges640/8€1k€0▼
Gross operating margin9900€8k€18k▲
Operating profit (loss)9901€6k€18k▲
Financial charges65/66B€171€556▲
Recurring financial charges65€171€556▲
Profit (loss) for the period before taxes9903€6k€17k▲
Income taxes67/77€533€3k▲
Profit (loss) for the period9904€6k€14k▲
Profit (loss) for the period to be appropriated9905€6k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€16k▲
Profit (loss) brought forward from the previous period14P€-3k€2k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 76 days late
2024
31-12
Financial
Highest result since 2022net €14k ▲154%
Operating result €18k, net result €14k, both a record.
25-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 117 days late
15-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 289 days late
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Gent · 1 establishment unit since 2022
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.
Hoveniersstraat 1299050 GentGround area
98 m²
Building footprint
47 m²
Volume, LiDAR
457 m³
Parcel 44032A0142/00H000, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Accountify
since 20222.334.766.145
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44032A0142/00H000 | Flanders | 98 m² | 1 · 47 m² | 12.2 m · 3 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 225 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 225 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 4,917 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
Founded03-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@accountifybv.com