Skip to content

A&C

Active
Private limited companyfounded 199926 yrs activeEn Hayeneux 176, 4040 Herstal, BelgiumKBO/BCE: BE 0468.159.414
Summary

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.
Credit check for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 26 years 0 30 y
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 2024
Solvency, return and age of the figures
Solvency
57.6%
Return on assets
-4.5%
Age of the figures
21 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 2024
Net 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 filings
Deviation 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)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Name match with a sanctions list

1 entry
AO СРЗalias Aкционерное общество “Cаратовский радиоприборный завод”
EU sanctions list · programme UKR · 2024/753 (OJ L23022024) · listed since 23-02-2024 · exact name match (100%)

A name match is not a finding that this company itself is on the list; check the entry at the source.

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
2018: €54k 2019: €-125k▼ -333% vs 2018lowest in 7 years 2020: €96k▲ +177% vs 2019highest in 7 years 2021: €77k▼ -19.7% vs 2020 2022: €3k▼ -95.7% vs 2021 2023: €-22k▼ -762% vs 2022 2024: €-25k▼ -14.0% vs 2023
2018 → 2024
Working capital
€294k▼ 7.0%
2023 · €317k
2018: €292k 2019: €175k▼ -40.0% vs 2018lowest in 7 years 2020: €259k▲ +47.7% vs 2019 2021: €324k▲ +25.1% vs 2020 2022: €334k▲ +3.2% vs 2021highest in 7 years 2023: €317k▼ -5.3% vs 2022 2024: €294k▼ -7.0% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20202021202220232024Trend
Equity€277k-€354k▲ 27.9%€370k▲ 4.6%€348k▼ 5.9%€323k▼ 7.2% 2020: €277klowest in 5 years 2021: €354k▲ +27.9% vs 2020 2022: €370k▲ +4.6% vs 2021highest in 5 years 2023: €348k▼ -5.9% vs 2022 2024: €323k▼ -7.2% vs 2023
Operating result€109k-€99k▼ 8.9%€14k▼ 85.5%€-12k€-3k▲ 70.8% 2020: €109khighest in 5 years 2021: €99k▼ -8.9% vs 2020 2022: €14k▼ -85.5% vs 2021 2023: €-12k▼ -183% vs 2022lowest in 5 years 2024: €-3k▲ +70.8% vs 2023
Net result€96k-€77k▼ 19.7%€3k▼ 95.7%€-22k€-25k▼ 14.0% 2020: €96khighest in 5 years 2021: €77k▼ -19.7% vs 2020 2022: €3k▼ -95.7% vs 2021 2023: €-22k▼ -762% vs 2022 2024: €-25k▼ -14.0% vs 2023lowest in 5 years
Result per fiscal year
Operating resultNet result
€-50k€0€50k€100kOperating result 2020: €109k€109kNet result 2020: €96k€96kOperating result 2021: €99k€99kNet result 2021: €77k€77kOperating result 2022: €14k€14kNet result 2022: €3k€3kOperating result 2023: €-12k€-12kNet result 2023: €-22k€-22kOperating result 2024: €-3k€-3kNet result 2024: €-25k€-25k20202021202220232024€-30k€-20k€-10k€0€10kOperating result 2022: €14k€14kNet result 2022: €3k€3.3kOperating result 2023: €-12k€-12kNet result 2023: €-22k€-22kOperating result 2024: €-3k€-3.4kNet result 2024: €-25k€-25k202220232024
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
2024 value · change against 2023
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.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 51 lines
Balance sheet Code20232024
Assets
Total assets20/58€588k€561k▼
Fixed assets21/28€32k€29k▼
Tangible fixed assets22/27€16k€13k▼
Plant, machinery and equipment23€1k€748▼
Furniture and vehicles24-€588
Other tangible fixed assets26€15k€12k▼
Financial fixed assets28€16k€16k=
Current assets29/58€556k€532k▼
Stocks and contracts in progress3€199k€192k▼
Stocks30/36€199k€192k▼
Amounts receivable within one year40/41€30k€56k▲
Trade receivables40€994€39k▲
Other amounts receivable41€29k€17k▼
Cash at bank and in hand54/58€323k€282k▼
Deferred charges and accrued income490/1€4k€1k▼
Equity and liabilities
Total equity and liabilities10/49€588k€561k▼
Equity10/15€348k€323k▼
Contributions10/11€39k€39k=
Outside capital11€39k-
Other1109/19€39k-
Reserves13€50k€50k=
Non-distributable reserves130/1-€4k
Reserves not available under the articles1311-€4k
Distributable reserves133€50k€46k▼
Profit (loss) carried forward14€260k€234k▼
Amounts payable17/49€240k€238k▼
Amounts payable within one year42/48€239k€238k▼
Current portion of amounts payable after more than one year42€1k€0▼
Trade debts44€76k€60k▼
Suppliers440/4€76k€60k▼
Taxes, remuneration and social security45€56k€65k▲
Taxes450/3€20k€20k▲
Remuneration and social security454/9€36k€45k▲
Other amounts payable47/48€107k€112k▲
Accrued charges and deferred income492/3€523€421▼
Income statement Code20232024
Remuneration, social security and pensions62€189k€216k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€5k€11k▲
Gross operating margin9900€187k€228k▲
Operating profit (loss)9901€-12k€-3k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€14k€20k▲
Recurring financial charges65€14k€20k▲
Profit (loss) for the period before taxes9903€-24k€-21k▲
Income taxes67/77€-2k€4k▲
Profit (loss) for the period9904€-22k€-25k▼
Profit (loss) for the period to be appropriated9905€-22k€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€260k€234k▼
Profit (loss) brought forward from the previous period14P€282k€260k▼
Social balance
Average headcount (FTE)90876.66.7▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Accounts by statement
Line20202021202220232024Change
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%
Line20202021202220232024Change
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%
Line20202021202220232024Change
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.

Sign in to download as CSV

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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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
seat establishment approximate All 3 establishment units on the map
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
En Hayeneux 176, 4040 HerstalAgents in the wholesale of textiles, clothing, fur, footwear and leather goods
since 20082.168.575.352
A&C
Avenue de la Concorde 53, 4100 SeraingRetail sale of games and toys
since 20182.293.117.117
1 2 3 etc
Chaussée de Liège 230, 4460 Grâce-HollogneRetail sale of chocolate and confectionery
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 sites
Grâce-Hollogne2.298.214.268
1 permission
Detailhandel LM>3 maand · since 01-01-2022
Herstal2.168.575.352
1 permission
Verkooppunt LM>3 maand · since 22-07-2010
Seraing2.293.117.117
1 permission
Detailhandel LM>3 maand · since 08-05-2020

Similar companies · same sector, comparable size

Of 12,957 companies in sector 47120 we hold annual accounts for 2,190. 1,245 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.