A.C. CONSTRUCT
ActiveSummary
A.C. CONSTRUCT has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.58M and a net result of €784k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 87% of 7838 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+14
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity ample (current ratio 4.15 against 4.35 in 2024; short-term debt: 19.6% and cash: 18.7% of total assets), and 20.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
79.7%
Return on assets
24.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-03-2026, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
37 d early
2024
29 d early
2023
35 d early
2022
5 d early
2021
31 d early
2020
4 d early
2019
8 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
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
€0
Total assets
€3.24M▲ 31.7%
2024 · €2.46M
2018: €968k
2019: €1.36M
2020: €1.36M
2021: €1.54M
2022: €1.77M
2023: €2.17M
2024: €2.46M
2018 → 2025
Net result
€784k▲ 151%
2024 · €312k
2018: €73k
2019: €367k
2020: €367k
2021: €230k
2022: €249k
2023: €433k
2024: €312k
2018 → 2025
Working capital
€2.00M▲ 34.7%
2024 · €1.49M
2018: €198k
2019: €577k
2020: €549k
2021: €631k
2022: €769k
2023: €1.17M
2024: €1.49M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.16M-€1.31M▲ 13.3%€1.69M▲ 29.2%€2.00M▲ 18.4%€2.58M▲ 29.1%
Operating result€272k-€354k▲ 30.1%€629k▲ 77.6%€456k▼ 27.5%€480k▲ 5.3%
Net result€230k-€249k▲ 8.0%€433k▲ 73.9%€312k▼ 27.9%€784k▲ 151%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.24M
Fixed assets
€600k ▲ 13.7%
Current assets
€2.64M ▲ 36.6%
Equity and liabilities €3.24M
Equity
€2.58M ▲ 29.1%
Provisions
€5k ▲ 671%
Debt
€652k ▲ 42.2%
Debt's share of the balance-sheet total rises from 18.6% to 20.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€520k▲
2024 · €486k
Cash flow
€824k▲
2024 · €343k
Current ratio
4.15▼
2024 · 4.35
Quick ratio
3.98▼
2024 · 4.07
Debt to equity
0.25▲
2024 · 0.23
ROE
30.3%▲
2024 · 15.6%
ROA
24.2%▲
2024 · 12.7%
Interest coverage
22.14▼
2024 · 24.24
Debt ≤ 1 year
€636k▲
2024 · €444k
Income taxes
€181k▲
2024 · €134k
Staff costs
€67k▲
2024 · €62k
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 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.46M€3.24M▲
Fixed assets21/28€528k€600k▲
Tangible fixed assets22/27€75k€147k▲
Plant, machinery and equipment23€75k€58k▼
Furniture and vehicles24-€89k
Financial fixed assets28€453k€453k=
Current assets29/58€1.93M€2.64M▲
Stocks and contracts in progress3€121k€110k▼
Stocks30/36€121k€110k▼
Amounts receivable within one year40/41€1.24M€1.91M▲
Trade receivables40€533k€694k▲
Other amounts receivable41€702k€1.21M▲
Cash at bank and in hand54/58€566k€607k▲
Deferred charges and accrued income490/1€9k€16k▲
Equity and liabilities
Total equity and liabilities10/49€2.46M€3.24M▲
Equity10/15€2.00M€2.58M▲
Contributions10/11€19k€19k=
Reserves13€1.98M€2.56M▲
Tax-exempt reserves132€71k€84k▲
Distributable reserves133€1.91M€2.48M▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€627€5k▲
Deferred taxes168€627€5k▲
Amounts payable17/49€459k€652k▲
Amounts payable within one year42/48€444k€636k▲
Trade debts44€145k€114k▼
Suppliers440/4€145k€114k▼
Taxes, remuneration and social security45€10k€84k▲
Taxes450/3€8k€82k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€290k€437k▲
Accrued charges and deferred income492/3€14k€17k▲
Income statement
Code20242025
Non-recurring operating income76A-€19k
Remuneration, social security and pensions62€62k€67k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€40k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€551k€589k▲
Operating profit (loss)9901€456k€480k▲
Financial income75/76B€10k€513k▲
Recurring financial income75€10k€513k▲
Financial charges65/66B€20k€23k▲
Recurring financial charges65€20k€23k▲
Profit (loss) for the period before taxes9903€446k€969k▲
Transfer from deferred taxes780€480€604▲
Transfer to deferred taxes680-€5k
Income taxes67/77€134k€181k▲
Profit (loss) for the period9904€312k€784k▲
Transfer from tax-exempt reserves789€1k€2k▲
Transfer to tax-exempt reserves689-€14k
Profit (loss) for the period to be appropriated9905€313k€771k▲
Appropriation of the result
Profit (loss) to be appropriated9906€313k€771k▲
Transfer from equity791/2€0€200k▲
Transfer to equity691/2€312k€770k▲
To other reserves6921€312k€770k▲
Profit to be distributed694/7€2k€202k▲
Return on contributions (dividend)694€0€200k▲
Other beneficiaries697€2k€2k=
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (16 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
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €784k ▲151%
Net result €784k, the highest in the series.
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Equity above €2MEq €2.00M ▲18.4%
7 profitable years in a row build equity to €2.00M.
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Equity above €1MEq €1.05M ▲53.5%
2 profitable years in a row build equity to €1.05M.
22-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Zwevegem · 1 establishment unit since 1999
Ground area
9,986 m²
Building footprint
1,208 m²
Volume, LiDAR
8,324 m³
Parcel 34028C0630/00B002, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Moenkouterstraat(M) 6, 8552 Zwevegem
since 19992.101.911.905
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34028C0630/00B002 | Flanders | 9,986 m² | 1 · 1,208 m² | 8.0 m · 2 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.
Similar companies · same sector, comparable size
ALBO.PRODUCT
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Profitramen
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Lint · Eq €2,584,026
Handelsonderneming Bertels
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D.G. Verandabouw
BE 0879.127.925
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VAN HOLME
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Lo-Reninge · Eq €2,559,913
Of 20,018 companies in sector 43320 we hold annual accounts for 9,132. 2,342 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
Founded05-11-1999
Fiscal year end30-09
Activities, NACEBEL 2025
25120Manufacture of fabricated metal products, except machinery and equipment
43320Joinery installation
31009Manufacture of furniture
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.