A&C
ActiveSummary
A&C has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €323k and a net result of €-25k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 6537 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability13▼-1
Solvency83▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 2.24 against 2.32 in 2023; short-term debt: 42.4% and cash: 50.3% of total assets), and 42.4% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
57.6%
Return on assets
-4.5%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-25k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
8 d early
2022
61 d late
2021
on the day
2020
54 d early
2019
102 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Name match with a sanctions list
1 entryAO СРЗalias Aкционерное общество “Cаратовский радиоприборный завод”
A name match is not a finding that this company itself is on the list; check the entry at the source.
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-25k▼ 14.0%
2023 · €-22k
Working capital
€294k▼ 7.0%
2023 · €317k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€109k€99k▼ 8.9%€14k▼ 85.5%€-12k€-3k▲ 70.8%
Net result€96k€77k▼ 19.7%€3k▼ 95.7%€-22k€-25k▼ 14.0%
Equity€277k▲ 53.1%€354k▲ 27.9%€370k▲ 4.6%€348k▼ 5.9%€323k▼ 7.2%
Total assets€520k▲ 36.0%€586k▲ 12.6%€574k▼ 2.1%€588k▲ 2.6%€561k▼ 4.6%
Debt€243k▲ 20.7%€232k▼ 4.7%€203k▼ 12.3%€240k▲ 18.0%€238k▼ 0.8%
Working capital€259k▲ 47.7%€324k▲ 25.1%€334k▲ 3.2%€317k▼ 5.3%€294k▼ 7.0%
Staff (FTE)6.4▲ 45.5%5.3▼ 17.2%6.8▲ 28.3%6.6▼ 2.9%6.7▲ 1.5%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2024 against €12k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €561k
Fixed assets
€29k ▼ 9.4%
Current assets
€532k ▼ 4.3%
Equity and liabilities €561k
Equity
€323k ▼ 7.2%
Debt
€238k ▼ 0.8%
Debt's share of the balance-sheet total rises from 40.8% to 42.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€465▲
2023 · €-7k
Cash flow
€-21k▼
2023 · €-17k
Current ratio
2.24▼
2023 · 2.32
Quick ratio
1.43▼
2023 · 1.49
Debt to equity
0.74▲
2023 · 0.69
ROE
-7.8%▼
2023 · -6.3%
ROA
-4.5%▼
2023 · -3.7%
Interest coverage
0.02▲
2023 · -0.53
Debt ≤ 1 year
€238k▼
2023 · €239k
Income taxes
€4k▲
2023 · €-2k
Staff costs
€216k▲
2023 · €189k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €151k | €192k | €189k | €216k | ▲ 14.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €7k | €5k | €5k | €4k | ▼ 15.7% |
| Other operating charges640/8 | - | €13k | €29k | €5k | €11k | ▲ 114% |
| Gross operating margin9900 | €253k | €269k | €240k | €187k | €228k | ▲ 21.7% |
| Operating profit (loss)9901 | €109k | €99k | €14k | €-12k | €-3k | ▲ 70.8% |
| Financial income75/76B | - | €2k | €2k | €1k | €2k | ▲ 70.6% |
| Recurring financial income75 | €8 | €2k | €2k | €1k | €2k | ▲ 70.6% |
| Financial charges65/66B | - | €10k | €11k | €14k | €20k | ▲ 46.2% |
| Recurring financial charges65 | €9k | €10k | €11k | €14k | €20k | ▲ 46.2% |
| Profit (loss) for the period before taxes9903 | €96k | €91k | €5k | €-24k | €-21k | ▲ 12.0% |
| Income taxes67/77 | - | €14k | €1k | €-2k | €4k | ▲ 267% |
| Profit (loss) for the period9904 | €96k | €77k | €3k | €-22k | €-25k | ▼ 14.0% |
| Transfer from tax-exempt reserves789 | - | - | €46k | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €96k | €77k | €49k | €-22k | €-25k | ▼ 14.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €520k | €586k | €574k | €588k | €561k | ▼ 4.6% |
| Fixed assets21/28 | €46k | €42k | €37k | €32k | €29k | ▼ 9.4% |
| Tangible fixed assets22/27 | €29k | €25k | €21k | €16k | €13k | ▼ 18.9% |
| Plant, machinery and equipment23 | - | €4k | €3k | €1k | €748 | ▼ 41.0% |
| Furniture and vehicles24 | - | - | - | - | €588 | - |
| Other tangible fixed assets26 | - | €21k | €18k | €15k | €12k | ▼ 21.0% |
| Financial fixed assets28 | €16k | €16k | €16k | €16k | €16k | = |
| Current assets29/58 | €475k | €544k | €537k | €556k | €532k | ▼ 4.3% |
| Stocks and contracts in progress3 | €156k | €166k | €187k | €199k | €192k | ▼ 3.2% |
| Stocks30/36 | - | €166k | €187k | €199k | €192k | ▼ 3.2% |
| Amounts receivable within one year40/41 | €920 | €928 | €20k | €30k | €56k | ▲ 86.7% |
| Trade receivables40 | - | - | - | €994 | €39k | ▲ 3,778% |
| Other amounts receivable41 | - | €928 | €20k | €29k | €17k | ▼ 39.9% |
| Cash at bank and in hand54/58 | €318k | €378k | €330k | €323k | €282k | ▼ 12.6% |
| Deferred charges and accrued income490/1 | - | - | - | €4k | €1k | ▼ 67.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €520k | €586k | €574k | €588k | €561k | ▼ 4.6% |
| Equity10/15 | €277k | €354k | €370k | €348k | €323k | ▼ 7.2% |
| Contributions10/11 | €26k | €26k | €39k | €39k | €39k | = |
| Capital10 | - | €26k | - | - | - | - |
| Issued capital100 | - | €39k | - | - | - | - |
| Uncalled capital101 | - | €13k | - | - | - | - |
| Outside capital11 | - | - | €39k | €39k | - | - |
| Other1109/19 | - | - | €39k | €39k | - | - |
| Reserves13 | €50k | €50k | €50k | €50k | €50k | = |
| Non-distributable reserves130/1 | - | €4k | €4k | - | €4k | - |
| Legal reserve130 | - | €4k | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €4k | - | €4k | - |
| Tax-exempt reserves132 | - | €46k | - | - | - | - |
| Distributable reserves133 | - | - | €46k | €50k | €46k | ▼ 7.9% |
| Profit (loss) carried forward14 | €201k | €278k | €282k | €260k | €234k | ▼ 9.7% |
| Amounts payable17/49 | €243k | €232k | €203k | €240k | €238k | ▼ 0.8% |
| Amounts payable after more than one year17 | €28k | €11k | €1k | - | - | - |
| Financial debts170/4 | - | €11k | €1k | - | - | - |
| Amounts payable within one year42/48 | €216k | €220k | €202k | €239k | €238k | ▼ 0.7% |
| Current portion of amounts payable after more than one year42 | - | €16k | €10k | €1k | €0 | ▼ 100% |
| Trade debts44 | €138k | €92k | €71k | €76k | €60k | ▼ 20.4% |
| Suppliers440/4 | - | €92k | €71k | €76k | €60k | ▼ 20.4% |
| Advances received on contracts in progress46 | - | - | €31 | - | - | - |
| Taxes, remuneration and social security45 | - | €54k | €63k | €56k | €65k | ▲ 16.3% |
| Taxes450/3 | - | €27k | €25k | €20k | €20k | ▲ 0.3% |
| Remuneration and social security454/9 | - | €27k | €38k | €36k | €45k | ▲ 25.2% |
| Other amounts payable47/48 | - | €58k | €58k | €107k | €112k | ▲ 5.3% |
| Accrued charges and deferred income492/3 | - | - | - | €523 | €421 | ▼ 19.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €96k | €77k | €3k | €-22k | €-25k | ▼ 14.0% |
| + Depreciation and write-downs630 | €9k | €7k | €5k | €5k | €4k | ▼ 15.7% |
| Operating cash flow (approximation) | €105k | €84k | €8k | €-17k | €-21k | ▼ 21.9% |
| Investment in fixed assets (approximation) | - | €-3k | €0 | €75 | €-879 | ▼ 1,272% |
| Change in cash | - | €60k | €-48k | €-7k | €-41k | ▼ 484% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 61 days late
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €96k
Net result €96k after one loss-making year.
31-12
Financial
Equity above €200kEq €277k ▲53.1%
Equity rises from €181k to €277k.
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 102 days late
2019
31-12
Financial
Weakest financial yearnet €-125k
Net result drops to €-125k, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 58 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Herstal · 3 establishment units since 2008
Ground area
2.1 ha
Building footprint
4,932 m²
Volume, LiDAR
6,411 m³
3 parcels, Wallonia · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
3 establishment units
1 2 3 euros
since 20082.168.575.352
A&C
since 20182.293.117.117
1 2 3 etc
since 20192.298.214.268
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62352E0851/00E009 | Wallonia | 2.0 ha | 1 · 3,878 m² | - |
| 62054A0077/00Y000 | Wallonia | 875 m² | 1 · 70 m² | 9.8 m · 3 fl. |
| 62313E0087/00Z002 | Wallonia | 668 m² | 1 · 984 m² | 12.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
3 sitesGrâce-Hollogne2.298.214.268
Herstal2.168.575.352
Seraing2.293.117.117
Similar companies · same sector, comparable size
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Of 12,954 companies in sector 47120 we hold annual accounts for 2,190. 1,246 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-12-1999
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Contact
E-mail
c.minette@laposte.netHerstal
Phone
04 242 90 98Herstal
Scores and ratios are computed by Checked and are not a credit decision.