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Age5 yrs
Real estate2 parcels · 1,180 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of ACP CONSTRUCT is 4.4% (elevated). The 2024 annual accounts show equity of €24k and a net result of €8k. Its solvency ranks better than 18% of 11087 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone4.4%
Elevated
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 11087 sector peers (2024).
View the sector comparison 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-wideDeadline 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.
Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-12-2025, 138 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
The year end is derived from 4 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 | 16-12-2025 | 138 d late | 2025-00589186 |
| 31-12-2023 | 31-07-2024 | 21-09-2024 | 52 d late | 2024-00470304 |
| 31-12-2022 | 31-07-2023 | 23-07-2023 | 8 d early | 2023-00268298 |
| 31-12-2021 | 31-07-2022 | 16-10-2022 | 77 d late | 2022-20470503 |
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 signalsMore than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
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.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€8k
Working capital€25k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 16-12-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 13.1% | 40.9% | |
| Net result | €8k | €11k | |
| Equity | €24k | €34k | |
| Gross operating margin | €19k | €35k | |
| Staff costs | €488 | €25k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €19k |
| Net profit | €8k |
| Cash flow | €9k |
| Staff costs | €488 |
| Income taxes | €5k |
| Dividends | - |
| Total assets | €181k |
| Equity | €24k |
| Debt | €157k |
| of which ≤ 1y | €156k |
| of which > 1y | - |
| Working capital | €25k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.16 |
| Quick ratio | 1.11 |
| Working capital ratio | 13.7% |
| Solvency | 13.1% |
| Debt / equity | 6.64 |
| Long-term debt ratio | - |
| Interest coverage | 3.72 |
| Gross margin | - |
| Net margin | - |
| ROA | 4.3% |
| ROE | 32.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
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 | €181k |
| Current assets | 29/58 | €181k |
| Stocks & contracts in progress | 3 | €8k |
| Amounts receivable within one year | 40/41 | €170k |
| Cash & bank | 54/58 | €3k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €181k |
| Equity | 10/15 | €24k |
| Contributions / capital | 10/11 | €1k |
| Reserves | 13 | €115 |
| Accumulated profits (losses) | 14 | €22k |
| Amounts payable | 17/49 | €157k |
| Amounts payable within one year | 42/48 | €156k |
| Trade debts payable within one year | 44 | €103k |
| Income statement | ||
| Gross operating margin | 9900 | €19k |
| Operating result | 9901 | €18k |
| Financial charges | 65 | €5k |
| Result before taxes | 9903 | €12k |
| Income taxes | 67/77 | €5k |
| Net result for the period | 9904 | €8k |
| Result to be appropriated | 9905 | €8k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed68
/ 100
Healthy
Computed from 4 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
on the map · from the address registerEstablishment units
1 locationACP CONSTRUCT
since 20202.310.733.604
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,180 m²
Buildings2
Building footprint1,117 m²
Volume (LiDAR)25,845 m³
Tallest building32.2 m · ±9 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0120/00L005 | Brussels | 700 m² | 1 · 700 m² | 32.2 m · 9 fl. |
| 21807G0120/00H005 | Brussels | 480 m² | 1 · 417 m² | 29.8 m · 8 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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
Belgisch Staatsblad · acts
1 acts Address history · 1
17-07-2023
Registered-office move
All acts · 1
updated 3 years ago
2023
17-07-2023 Registered office moved from Evere to Ixelles
- Avenue Jules Bordet 160, 1140 Evere → Avenue Louise 209A Boîte 7, 1050 Ixelles
Analysis
Snowflake analysis
financial profile on 5 axes68
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
68
Profitability
100
Solvency
23
Growth
-
Stability
79
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Credit advice
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We hold annual accounts for 474 of the 4,067 companies in this sector. 402 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Overige bouwinstallatie43240Overige bouwinstallatie, n.e.g.43299Bouwrijp maken van terreinen43120Bouwrijp maken van terreinen43120Metselwerk43910Uitvoeren van metsel- en voegwerken43994Overige reiniging van gebouwen; industriële reiniging81220Overige reiniging van gebouwen; industriële reiniging81220Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameFR | ACP CONSTRUCT |
Registered office
Louizalaan 209A bus 7
1050 Elsene, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.