ACV UTILIS
ActiveSummary
The computed 12-month bankruptcy probability of ACV UTILIS is 1.6% (moderate). The 2025 annual accounts show equity of €25k and a net result of €3k. Equity is growing by ~36% per year across the filed fiscal years. Its solvency ranks better than 30% of 11322 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-6
Solvency41▲+1
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.12 in 2024; short-term debt: 77.8% and cash: 7.1% of total assets), and 84.1% of the assets are financed with debt.
Credit check 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
15.9%
Return on assets
2.1%
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 17-04-2026, 13 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
13 d early
2024
8 d early
2023
on the day
2022
4 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
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k▲ 15.5%
2024 · €22k
2022: €7k
2023: €13k
2024: €22k
2022 → 2025
Total assets
€160k▲ 11.5%
2024 · €144k
2022: €38k
2023: €76k
2024: €144k
2022 → 2025
Net result
€3k▼ 63.1%
2024 · €9k
2022: €4k
2023: €6k
2024: €9k
2022 → 2025
Working capital
€23k▲ 58.9%
2024 · €15k
2022: €4k
2023: €8k
2024: €15k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€7k-€13k▲ 83.6%€22k▲ 72.7%€25k▲ 15.5%
Operating result€6k-€9k▲ 48.4%€14k▲ 62.8%€7k▼ 49.6%
Net result€4k-€6k▲ 47.0%€9k▲ 59.6%€3k▼ 63.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €160k
Fixed assets
€12k ▲ 40.3%
Current assets
€148k ▲ 9.6%
Equity and liabilities €160k
Equity
€25k ▲ 15.5%
Debt
€135k ▲ 10.8%
Debt's share of the balance-sheet total falls from 84.7% to 84.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12k▼
2024 · €16k
Cash flow
€8k▼
2024 · €11k
Current ratio
1.19▲
2024 · 1.12
Quick ratio
0.88▼
2024 · 0.96
Debt to equity
5.30▼
2024 · 5.53
ROE
13.5%▼
2024 · 42.1%
ROA
2.1%▼
2024 · 6.4%
Interest coverage
7.87▼
2024 · 8.05
Debt ≤ 1 year
€125k▲
2024 · €120k
Debt > 1 year
€9k
Income taxes
€2k▼
2024 · €3k
Staff costs
€34k▲
2024 · €9k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€144k€160k▲
Fixed assets21/28€9k€12k▲
Intangible fixed assets21€977€3k▲
Tangible fixed assets22/27€8k€10k▲
Plant, machinery and equipment23€6k€7k▲
Furniture and vehicles24€1k€3k▲
Current assets29/58€135k€148k▲
Stocks and contracts in progress3€19k€38k▲
Stocks30/36€19k€38k▲
Amounts receivable within one year40/41€93k€95k▲
Trade receivables40€93k€95k▲
Cash at bank and in hand54/58€19k€11k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€144k€160k▲
Equity10/15€22k€25k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€19k€22k▲
Amounts payable17/49€122k€135k▲
Amounts payable after more than one year17-€9k
Financial debts170/4-€9k
Amounts payable within one year42/48€120k€125k▲
Current portion of amounts payable after more than one year42-€5k
Financial debts43-€25k
Credit institutions430/8-€25k
Trade debts44€37k€54k▲
Suppliers440/4€37k€54k▲
Advances received on contracts in progress46-€3k
Taxes, remuneration and social security45€37k€33k▼
Taxes450/3€32k€26k▼
Remuneration and social security454/9€5k€7k▲
Other amounts payable47/48€47k€6k▼
Accrued charges and deferred income492/3€1k€977▼
Income statement
Code20242025
Non-recurring operating income76A€4k-
Remuneration, social security and pensions62€9k€34k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-2k€688▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€25k€51k▲
Operating profit (loss)9901€14k€7k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€12k€6k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€9k€3k▼
Profit (loss) for the period to be appropriated9905€9k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€22k▲
Profit (loss) brought forward from the previous period14P€10k€19k▲
The notes to these accounts (10 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
17-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €3k ▼63.1%
Net result drops to €3k, the lowest in the series.
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2022net €9k ▲59.6%
Operating result €14k, net result €9k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Esneux · 1 establishment unit since 2021
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.
Avenue de Sur Cortil 134130 EsneuxGround area
8,847 m²
Building footprint
2,624 m²
Volume, LiDAR
22,556 m³
2 parcels, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ACV UTILIS
since 20212.323.066.757
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62055C0231/00F000 | Wallonia | 8,135 m² | 1 · 2,596 m² | 11.4 m · 3 fl. |
| 62101D0320/00L000 | Wallonia | 713 m² | 1 · 28 m² | - |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
B.A.CARS
BE 0684.692.514
Elsene · Eq €25,322
CAR TRADING
BE 0684.544.044
Sint-Gillis (bij-Brussel) · Eq €25,743
Lion Motors
BE 0804.291.237
Ingelmunster · Eq €25,777
NINORTA
BE 0541.458.552
Sint-Genesius-Rode · Eq €25,090
RS GROUP & INVEST
BE 0790.877.820
Wezembeek-Oppem · Eq €25,964
Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 628 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
Founded09-09-2021
Fiscal year end30-09
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95313Repair and fitting of specific motor vehicle parts
46180Agents specialised in the wholesale of other particular products
46713Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.