AC3 · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of AC3 is 0.4% (very low). The 2024 annual accounts show equity of €62k and a net result of €57k. Its solvency ranks better than 37% of 12464 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 2 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

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-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-07-2025, 21 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. 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
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	10-07-2025	21 d early	2025-00253329
31-12-2023	31-07-2024	29-08-2024	29 d late	2024-00389438

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 signals

Young 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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€57k+33858.9%

Working capital€29k+930.2%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 10-07-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	47.0%	60.6%	better than 37% of 12464 sector peers
Net result	€57k	€31k	better than 70% of 12466 sector peers
Equity	€62k	€63k	better than 50% of 12472 sector peers
Gross operating margin	€78k	€52k	better than 66% of 12452 sector peers
Total assets	€132k	€124k	better than 52% of 12465 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€77k

+30325.5% 23-24

Net profit

€57k

+33858.9% 23-24

Cash flow

€57k

+30918.7% 23-24

Total assets

€132k

+71.6% 23-24

Equity

€62k

+1098.3% 23-24

Working capital

€29k

+930.2% 23-24

Income taxes

€20k

+28343.5% 23-24

Debt

€70k

-2.5% 23-24

Debt ≤ 1y

€30k

+1736.9% 23-24

Debt > 1y

€40k

-42.9% 23-24

Current ratio

1.96

-27.8% 23-24

Quick ratio

1.96

-27.8% 23-24

Solvency

47.0%

+598.5% 23-24

Debt / equity

1.13

-91.9% 23-24

ROE

91.7%

+2733.8% 23-24

ROA

43.1%

+19693.8% 23-24

Interest coverage

277.23

- 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€77k
Net profit	€57k
Cash flow	€57k
Staff costs	-
Income taxes	€20k
Dividends	-
Total assets	€132k
Equity	€62k
Debt	€70k
of which ≤ 1y	€30k
of which > 1y	€40k
Working capital	€29k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.96
Quick ratio	1.96
Working capital ratio	21.8%
Solvency	47.0%
Debt / equity	1.13
Long-term debt ratio	0.65
Interest coverage	277.23
Gross margin	-
Net margin	-
ROA	43.1%
ROE	91.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €72k · 55.2% Current assets €59k · 44.8%

Equity & liabilities

Equity €62k · 47.0% Debt €70k · 53.0%

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	€132k
Fixed assets	21/28	€72k
Formation expenses	20	€1k
Tangible fixed assets	22/27	€2k
Financial fixed assets	28	€70k
Current assets	29/58	€59k
Amounts receivable within one year	40/41	€12k
Cash & bank	54/58	€45k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€132k
Equity	10/15	€62k
Contributions / capital	10/11	€5k
Accumulated profits (losses)	14	€57k
Amounts payable	17/49	€70k
Amounts payable after one year	17	€40k
Amounts payable within one year	42/48	€30k
Trade debts payable within one year	44	€272
Income statement
Gross operating margin	9900	€78k
Operating result	9901	€77k
Financial income	75	€0
Financial charges	65	€279
Result before taxes	9903	€77k
Income taxes	67/77	€20k
Net result for the period	9904	€57k
Result to be appropriated	9905	€57k

You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

94 / 100 Excellent

050100

Computed from 5 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.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Kastanjelaan 83570 Alken

Establishment units

1 location

AC3

Kastanjelaan 8, 3570 AlkenHoldings

since 20232.353.731.823

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area644 m²

Buildings1

Building footprint149 m²

Volume (LiDAR)783 m³

Tallest building7.3 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73001B0058/00S004	Flanders	644 m²	1 · 149 m²	7.3 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 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

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

89 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 100

Solvency 91

Growth 78

Stability 82

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