Summary
ACD GROUP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €55k and a net result of €141k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 31% of 2444 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
3 d early
2024
2 d early
2023
2 d early
2022
4 d late
2021
2 d early
2020
1 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€55k▼ 65.1%
2024 · €159k
2020: €29klowest in 6 years
2021: €70k▲ +142% vs 2020
2022: €135k▲ +92.8% vs 2021
2023: €99k▼ -26.7% vs 2022
2024: €159k▲ +60.3% vs 2023highest in 6 years
2025: €55k▼ -65.1% vs 2024
2020 → 2025
Net result
€141k▲ 18.8%
2024 · €119k
2020: €26klowest in 6 years
2021: €41k▲ +58.2% vs 2020
2022: €65k▲ +58.2% vs 2021
2023: €76k▲ +16.6% vs 2022
2024: €119k▲ +56.4% vs 2023
2025: €141k▲ +18.8% vs 2024highest in 6 years
2020 → 2025
Total assets
€206k▲ 27.3%
2024 · €162k
2020: €179k
2021: €270k▲ +51.3% vs 2020highest in 6 years
2022: €220k▼ -18.8% vs 2021
2023: €229k▲ +4.4% vs 2022
2024: €162k▼ -29.4% vs 2023lowest in 6 years
2025: €206k▲ +27.3% vs 2024
2020 → 2025
Solvency
26.9%▼ 71.2pp
2024 · 98.1%
2020: 16.2%lowest in 6 years
2021: 25.9%▲ +59.8% vs 2020
2022: 61.5%▲ +137% vs 2021
2023: 43.2%▼ -29.8% vs 2022
2024: 98.1%▲ +127% vs 2023highest in 6 years
2025: 26.9%▼ -72.6% vs 2024
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€135k▲ 92.8%€99k▼ 26.7%€159k▲ 60.3%€55k▼ 65.1%
2021: €70k
2022: €135k▲ +92.8% vs 2021
2023: €99k▼ -26.7% vs 2022
2024: €159k▲ +60.3% vs 2023highest in 5 years
2025: €55k▼ -65.1% vs 2024lowest in 5 years
Operating result€58k-€91k▲ 57.3%€103k▲ 12.9%€160k▲ 55.4%€190k▲ 18.5%
2021: €58klowest in 5 years
2022: €91k▲ +57.3% vs 2021
2023: €103k▲ +12.9% vs 2022
2024: €160k▲ +55.4% vs 2023
2025: €190k▲ +18.5% vs 2024highest in 5 years
Net result€41k-€65k▲ 58.2%€76k▲ 16.6%€119k▲ 56.4%€141k▲ 18.8%
2021: €41klowest in 5 years
2022: €65k▲ +58.2% vs 2021
2023: €76k▲ +16.6% vs 2022
2024: €119k▲ +56.4% vs 2023
2025: €141k▲ +18.8% vs 2024highest in 5 years
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 four years in a row; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €206k
Fixed assets
€125k ▲ 89.7%
Current assets
€81k ▼ 15.5%
Equity and liabilities €206k
Equity
€55k ▼ 65.1%
Debt
€150k ▲ 4,797%
Debt's share of the balance-sheet total rises from 1.9% to 73.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
254.0%▲
2024 · 74.7%
ROA
68.4%▼
2024 · 73.3%
Debt ≤ 1 year
€150k▲
2024 · €3k
Income taxes
€49k▲
2024 · €41k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€162k€206k▲
Fixed assets21/28€66k€125k▲
Intangible fixed assets21€45k€16k▼
Tangible fixed assets22/27€21k€109k▲
Land and buildings22€6k€4k▼
Furniture and vehicles24€15k€105k▲
Financial fixed assets28€87€87=
Current assets29/58€96k€81k▼
Amounts receivable within one year40/41€21k€6k▼
Trade receivables40€21k€31▼
Other amounts receivable41-€6k
Cash at bank and in hand54/58€53k€39k▼
Deferred charges and accrued income490/1€22k€36k▲
Equity and liabilities
Total equity and liabilities10/49€162k€206k▲
Equity10/15€159k€55k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€156k€52k▼
Amounts payable17/49€3k€150k▲
Amounts payable within one year42/48€3k€150k▲
Trade debts44€672€284▼
Suppliers440/4€672€284▼
Taxes, remuneration and social security45€2k€23k▲
Taxes450/3€2k€23k▲
Other amounts payable47/48-€128k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€55k▼
Other operating charges640/8€519€532▲
Gross operating margin9900€226k€246k▲
Operating profit (loss)9901€160k€190k▲
Financial income75/76B€150€313▲
Recurring financial income75€150€313▲
Financial charges65/66B€479€479=
Recurring financial charges65€479€479=
Profit (loss) for the period before taxes9903€160k€190k▲
Income taxes67/77€41k€49k▲
Profit (loss) for the period9904€119k€141k▲
Profit (loss) for the period to be appropriated9905€119k€141k▲
Appropriation of the result
Profit (loss) to be appropriated9906€215k€297k▲
Profit (loss) brought forward from the previous period14P€96k€156k▲
Profit to be distributed694/7€59k€244k▲
Return on contributions (dividend)694€59k€244k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €46k | €62k | €64k | €65k | €55k | ▼ 15.0% |
| Other operating charges640/8 | €480 | €597 | €516 | €519 | €532 | ▲ 2.4% |
| Gross operating margin9900 | €105k | €154k | €168k | €226k | €246k | ▲ 8.8% |
| Operating profit (loss)9901 | €58k | €91k | €103k | €160k | €190k | ▲ 18.5% |
| Financial income75/76B | €0 | - | - | €150 | €313 | ▲ 109% |
| Recurring financial income75 | €0 | - | - | €150 | €313 | ▲ 109% |
| Financial charges65/66B | €2k | €3k | €480 | €479 | €479 | = |
| Recurring financial charges65 | €2k | €3k | €480 | €479 | €479 | = |
| Profit (loss) for the period before taxes9903 | €56k | €88k | €103k | €160k | €190k | ▲ 18.7% |
| Income taxes67/77 | €15k | €23k | €27k | €41k | €49k | ▲ 18.2% |
| Profit (loss) for the period9904 | €41k | €65k | €76k | €119k | €141k | ▲ 18.8% |
| Profit (loss) for the period to be appropriated9905 | €41k | €65k | €76k | €119k | €141k | ▲ 18.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €270k | €220k | €229k | €162k | €206k | ▲ 27.3% |
| Fixed assets21/28 | €239k | €178k | €129k | €66k | €125k | ▲ 89.7% |
| Intangible fixed assets21 | €197k | €147k | €96k | €45k | €16k | ▼ 64.7% |
| Tangible fixed assets22/27 | €42k | €31k | €33k | €21k | €109k | ▲ 421% |
| Land and buildings22 | - | - | €7k | €6k | €4k | ▼ 30.6% |
| Furniture and vehicles24 | €42k | €31k | €26k | €15k | €105k | ▲ 582% |
| Financial fixed assets28 | €87 | €87 | €87 | €87 | €87 | = |
| Current assets29/58 | €31k | €41k | €100k | €96k | €81k | ▼ 15.5% |
| Amounts receivable within one year40/41 | €14k | €20k | €26k | €21k | €6k | ▼ 70.0% |
| Trade receivables40 | €14k | €16k | €17k | €21k | €31 | ▼ 99.8% |
| Other amounts receivable41 | - | €4k | €9k | - | €6k | - |
| Cash at bank and in hand54/58 | €6k | €10k | €62k | €53k | €39k | ▼ 26.7% |
| Deferred charges and accrued income490/1 | €11k | €11k | €13k | €22k | €36k | ▲ 62.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €270k | €220k | €229k | €162k | €206k | ▲ 27.3% |
| Equity10/15 | €70k | €135k | €99k | €159k | €55k | ▼ 65.1% |
| Contributions10/11 | €3k | €3k | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €67k | €132k | €96k | €156k | €52k | ▼ 66.3% |
| Amounts payable17/49 | €200k | €85k | €130k | €3k | €150k | ▲ 4,797% |
| Amounts payable within one year42/48 | €200k | €85k | €130k | €3k | €150k | ▲ 4,797% |
| Trade debts44 | €21k | €257 | €270 | €672 | €284 | ▼ 57.7% |
| Suppliers440/4 | €21k | €257 | €270 | €672 | €284 | ▼ 57.7% |
| Taxes, remuneration and social security45 | €12k | €855 | €17k | €2k | €23k | ▲ 837% |
| Taxes450/3 | €12k | €855 | €17k | €2k | €23k | ▲ 837% |
| Other amounts payable47/48 | €167k | €83k | €113k | - | €128k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €41k | €65k | €76k | €119k | €141k | ▲ 18.8% |
| + Depreciation and write-downs630 | €46k | €62k | €64k | €65k | €55k | ▼ 15.0% |
| Operating cash flow (approximation) | €87k | €127k | €140k | €184k | €196k | ▲ 6.8% |
| Investment in fixed assets (approximation) | - | €-1k | €-14k | €-2k | €-114k | ▼ 4,976% |
| Change in cash | - | €4k | €52k | €-9k | €-14k | ▼ 66.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €141k ▲18.8%
Operating result €190k, net result €141k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 40current ratio 31.23
Current ratio from 0.77 to 31.23; short-term debt falls from €130k to €3k.
31-12
Financial
Equity above €150kEq €159k ▲60.3%
5 profitable years in a row build equity to €159k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
31-12
Financial
Equity above €100kEq €135k ▲92.8%
3 profitable years in a row build equity to €135k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Soignies · 1 establishment unit since 2020
Ground area
3,226 m²
Building footprint
276 m²
Volume, LiDAR
1,242 m³
Parcel 55006D0082/00F000, Wallonia · tallest building 5.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ACD GROUP
since 20202.297.951.576
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55006D0082/00F000 | Wallonia | 3,226 m² | 1 · 276 m² | 5.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,677 companies in sector 66220 we hold annual accounts for 3,221. 2,363 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-01-2020
Fiscal year end31-12
Trade name FR
Assurances Cédric Druart
Activities, NACEBEL 2025
66220Insurance agents and brokers
68322Real estate appraisal on a fee or contract basis
74999Other professional, scientific and technical activities
Contact
E-mail
cedric.druart@portima.be
Phone
+32475216162
Scores and ratios are computed by Checked and are not a credit decision.