ACG Renov
ActiveSummary
The computed 12-month bankruptcy probability of ACG Renov is 1.7% (moderate). The 2025 annual accounts show equity of €21k and a net result of €6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 46% of 27786 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+30
Solvency69▼-31
Growth52=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 7.98 in 2024; short-term debt: 56% and cash: 84.4% of total assets), but 56% 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
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 · 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
44%
Return on assets
11.9%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
29 d late
2023
9 d early
2022
35 d early
2021
16 d early
2020
26 d late
2019
27 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▼ 28.0%
2024 · €29k
2018: €20k
2019: €7k
2020: €7k
2021: €4k
2022: €6k
2023: €28k
2024: €29k
2018 → 2025
Total assets
€48k▲ 43.5%
2024 · €34k
2018: €103k
2019: €57k
2020: €69k
2021: €41k
2022: €54k
2023: €84k
2024: €34k
2018 → 2025
Net result
€6k▲ 485%
2024 · €981
2018: €9k
2019: €-14k
2020: €397
2021: €-3k
2022: €2k
2023: €55k
2024: €981
2018 → 2025
Working capital
€21k▼ 28.6%
2024 · €29k
2018: €17k
2019: €7k
2020: €7k
2021: €2k
2022: €5k
2023: €28k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€6k▲ 39.8%€28k▲ 364%€29k▲ 3.4%€21k▼ 28.0%
Operating result€-1k-€3k€71k▲ 2,136%€5k▼ 92.2%€11k▲ 104%
Net result€-3k-€2k€55k▲ 3,037%€981▼ 98.2%€6k▲ 485%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 104% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€600 =
Current assets
€48k ▲ 44.3%
Equity and liabilities €48k
Equity
€21k ▼ 28.0%
Debt
€27k ▲ 553%
Debt's share of the balance-sheet total rises from 12.3% to 56.0%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.76▼
2024 · 7.98
Debt to equity
1.27▲
2024 · 0.14
ROE
27.1%▲
2024 · 3.3%
ROA
11.9%▲
2024 · 2.9%
Debt ≤ 1 year
€27k▲
2024 · €4k
Income taxes
€3k▲
2024 · €1k
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€34k€48k▲
Fixed assets21/28€600€600=
Financial fixed assets28€600€600=
Current assets29/58€33k€48k▲
Amounts receivable within one year40/41€963€6k▲
Trade receivables40€2€5k▲
Other amounts receivable41€961€645▼
Cash at bank and in hand54/58€32k€41k▲
Deferred charges and accrued income490/1€520€1k▲
Equity and liabilities
Total equity and liabilities10/49€34k€48k▲
Equity10/15€29k€21k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€9k€758▼
Amounts payable17/49€4k€27k▲
Amounts payable within one year42/48€4k€27k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€2k€7k▲
Taxes450/3€2k€4k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€309€17k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€3k€1k▼
Gross operating margin9900€8k€13k▲
Operating profit (loss)9901€5k€11k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€2k€9k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€981€6k▲
Profit (loss) for the period to be appropriated9905€981€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€15k▲
Profit (loss) brought forward from the previous period14P€8k€9k▲
Profit to be distributed694/7€0€14k▲
Return on contributions (dividend)694€0€14k▲
The notes to these accounts (11 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity times 5current ratio 7.98
Current ratio from 1.50 to 7.98; short-term debt falls from €55k to €4k.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €55k ▲3037%
Operating result €71k, net result €55k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Back to profitnet €397
Net result €397 after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Weakest financial yearnet €-14k ▼248%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
Show earlier events
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Pieters-Woluwe · 1 establishment unit since 2015
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.
Vrijwilligerslaan 1471150 Sint-Pieters-WoluweGround area
284 m²
Building footprint
344 m²
Volume, LiDAR
2,525 m³
Parcel 21684B0064/00X004, Brussels · tallest building 24.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ACG Renov
since 20152.239.773.649
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21684B0064/00X004 | Brussels | 284 m² | 1 · 344 m² | 24.0 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
SOGEMETAL
BE 0464.843.202
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TIMIS CONSTRUCT
BE 0895.964.551
Jette · Eq €21,232
GGK BETON
BE 0759.590.667
Hulshout · Eq €21,245
MEURICE SCS
BE 0458.724.480
Dinant · Eq €21,255
MY HOUSE
BE 0471.676.851
Dison · Eq €21,256
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,280 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
Founded09-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.