A.C.A.
ActiveSummary
A.C.A. has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €561,026 and a net result of €95,580. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 58% of 3551 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability79▲+6
Solvency71▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
Liquidity short (current ratio 0.84 against 0.71 in 2023; short-term debt: 24.2% and cash: 6% of total assets), and 53.9% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
34 d early
2022
35 d early
2021
1 d early
2020
on the day
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 17 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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
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Financials · fiscal year 2024, full schema
In the rankings
#3 oldest company in Sint-Agatha-Berchem, Construction sector#5 company by equity in Sint-Agatha-Berchem, Construction sector#8 company by total assets in Sint-Agatha-Berchem, Construction sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€95,580▲ 138%
2023 · €40,138
Working capital
-€47,166▲ 42.3%
2023 · -€81,773
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€14,262▼ 84.5%€21,881▲ 53.4%€96,681▲ 342%€63,310▼ 34.5%€137,787▲ 118%
Net result€3,943within the sector's middle half▼ 93.5%€8,324within the sector's middle half▲ 111%€65,732within the sector's middle half▲ 690%€40,138within the sector's middle half▼ 38.9%€95,580within the sector's middle half▲ 138%
Equity€411,252within the sector's middle half▲ 1.0%€389,576within the sector's middle half▼ 5.3%€455,308within the sector's middle half▲ 16.9%€495,446within the sector's middle half▲ 8.8%€561,026within the sector's middle half▲ 13.2%
Total assets€913,191within the sector's middle half▲ 1.6%€1.3mwithin the sector's middle half▲ 37.1%€1.2mwithin the sector's middle half▼ 3.9%€1.2mwithin the sector's middle half▼ 3.3%€1.2mwithin the sector's middle half▲ 4.5%
Debt€501,939▲ 2.2%€862,596▲ 71.9%€748,222▼ 13.3%€668,297▼ 10.7%€655,073▼ 2.0%
Working capital€93,989▲ 25.0%-€86,266-€76,179▲ 11.7%-€81,773▼ 7.3%-€47,166▲ 42.3%
Solvency45.0%within the sector's middle half▼ 0.3pp31.1%within the sector's middle half▼ 13.9pp37.8%within the sector's middle half▲ 6.7pp42.6%within the sector's middle half▲ 4.7pp46.1%within the sector's middle half▲ 3.6pp
Staff (FTE)8.1within the sector's middle half▲ 30.6%8.3within the sector's middle half▲ 2.5%8.8within the sector's middle half▲ 6.0%5.1within the sector's middle half▼ 42.0%4.7within the sector's middle half▼ 7.8%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 118% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.2m
Fixed assets
€969,087 ▲ 0.8%
Current assets
€247,012 ▲ 21.9%
Equity and liabilities €1.2m
Equity
€561,026 ▲ 13.2%
Debt
€655,073 ▼ 2.0%
Debt's share of the balance-sheet total falls from 57.4% to 53.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€213,479▲
2023 · €126,687
Cash flow
€171,272▲
2023 · €103,515
Current ratio
0.84▲
2023 · 0.71
Quick ratio
0.78▲
2023 · 0.65
Debt to equity
1.17▼
2023 · 1.35
ROE
17.0%▲
2023 · 8.1%
ROA
7.9%▲
2023 · 3.4%
Interest coverage
19.46▲
2023 · 13.01
Debt ≤ 1 year
€294,178▲
2023 · €284,373
Debt > 1 year
€360,895▼
2023 · €383,924
Income taxes
€31,237▲
2023 · €13,437
Staff costs
€279,070▲
2023 · €268,206
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,324 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €235,416 | €240,428 | €268,206 | €279,070 | ▲ 4.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €47,129 | €45,261 | €62,640 | €63,377 | €75,692 | ▲ 19.4% |
| Other operating charges640/8 | - | €11,872 | €15,048 | €15,741 | €15,765 | ▲ 0.2% |
| Gross operating margin9900 | €266,203 | €314,430 | €414,797 | €410,634 | €508,314 | ▲ 23.8% |
| Operating profit (loss)9901 | €14,262 | €21,881 | €96,681 | €63,310 | €137,787 | ▲ 118% |
| Financial charges65/66B | - | €8,244 | €10,688 | €9,735 | €10,970 | ▲ 12.7% |
| Recurring financial charges65 | €6,979 | €8,244 | €10,688 | €9,735 | €10,970 | ▲ 12.7% |
| Profit (loss) for the period before taxes9903 | €7,283 | €13,637 | €85,993 | €53,575 | €126,817 | ▲ 137% |
| Income taxes67/77 | €3,340 | €5,313 | €20,261 | €13,437 | €31,237 | ▲ 132% |
| Profit (loss) for the period9904 | €3,943 | €8,324 | €65,732 | €40,138 | €95,580 | ▲ 138% |
| Profit (loss) for the period to be appropriated9905 | €3,943 | €8,324 | €65,732 | €40,138 | €95,580 | ▲ 138% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €913,191 | €1.3m | €1.2m | €1.2m | €1.2m | ▲ 4.5% |
| Fixed assets21/28 | €553,552 | €1.0m | €1.0m | €961,143 | €969,087 | ▲ 0.8% |
| Tangible fixed assets22/27 | €553,527 | €1.0m | €1.0m | €960,818 | €968,762 | ▲ 0.8% |
| Land and buildings22 | - | €1.0m | €973,352 | €923,427 | €873,502 | ▼ 5.4% |
| Plant, machinery and equipment23 | - | €3,648 | €10,783 | €7,023 | €5,089 | ▼ 27.5% |
| Furniture and vehicles24 | - | €6,525 | €26,150 | €30,368 | €90,171 | ▲ 197% |
| Financial fixed assets28 | €25 | €25 | €25 | €325 | €325 | = |
| Current assets29/58 | €359,639 | €218,697 | €193,220 | €202,600 | €247,012 | ▲ 21.9% |
| Stocks and contracts in progress3 | €17,850 | €18,300 | €17,800 | €17,500 | €18,000 | ▲ 2.9% |
| Stocks30/36 | - | €18,300 | €17,800 | €17,500 | €18,000 | ▲ 2.9% |
| Amounts receivable within one year40/41 | €114,224 | €57,572 | €112,408 | €123,924 | €155,535 | ▲ 25.5% |
| Trade receivables40 | - | €48,507 | €105,523 | €117,162 | €148,871 | ▲ 27.1% |
| Other amounts receivable41 | - | €9,065 | €6,885 | €6,762 | €6,664 | ▼ 1.4% |
| Cash at bank and in hand54/58 | €227,565 | €142,825 | €63,012 | €61,176 | €73,477 | ▲ 20.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €913,191 | €1.3m | €1.2m | €1.2m | €1.2m | ▲ 4.5% |
| Equity10/15 | €411,252 | €389,576 | €455,308 | €495,446 | €561,026 | ▲ 13.2% |
| Contributions10/11 | €143,778 | €143,778 | €143,778 | €143,778 | €143,778 | = |
| Capital10 | - | €143,778 | €143,778 | €143,778 | €143,778 | = |
| Issued capital100 | - | €143,778 | €143,778 | €143,778 | €143,778 | = |
| Reserves13 | €106,832 | €76,832 | €76,832 | €76,832 | €76,832 | = |
| Non-distributable reserves130/1 | - | €16,589 | €16,589 | €16,589 | €16,589 | = |
| Legal reserve130 | - | €16,589 | €16,589 | €16,589 | €16,589 | = |
| Distributable reserves133 | - | €60,243 | €60,243 | €60,243 | €60,243 | = |
| Profit (loss) carried forward14 | €160,642 | €168,966 | €234,698 | €274,836 | €340,416 | ▲ 23.9% |
| Amounts payable17/49 | €501,939 | €862,596 | €748,222 | €668,297 | €655,073 | ▼ 2.0% |
| Amounts payable after more than one year17 | €236,289 | €557,633 | €478,823 | €383,924 | €360,895 | ▼ 6.0% |
| Financial debts170/4 | - | €557,633 | €478,823 | €383,924 | €360,895 | ▼ 6.0% |
| Amounts payable within one year42/48 | €265,650 | €304,963 | €269,399 | €284,373 | €294,178 | ▲ 3.4% |
| Current portion of amounts payable after more than one year42 | - | €165,042 | €140,304 | €119,593 | €107,621 | ▼ 10.0% |
| Trade debts44 | €120,423 | €59,527 | €63,641 | €106,934 | €90,677 | ▼ 15.2% |
| Suppliers440/4 | - | €59,527 | €63,641 | €106,934 | €90,677 | ▼ 15.2% |
| Taxes, remuneration and social security45 | - | €49,861 | €57,721 | €55,813 | €65,347 | ▲ 17.1% |
| Taxes450/3 | - | €11,389 | €18,551 | €14,918 | €23,595 | ▲ 58.2% |
| Remuneration and social security454/9 | - | €38,472 | €39,170 | €40,895 | €41,752 | ▲ 2.1% |
| Other amounts payable47/48 | - | €30,533 | €7,733 | €2,033 | €30,533 | ▲ 1,402% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,943 | €8,324 | €65,732 | €40,138 | €95,580 | ▲ 138% |
| + Depreciation and write-downs630 | €47,129 | €45,261 | €62,640 | €63,377 | €75,692 | ▲ 19.4% |
| Operating cash flow (approximation) | €51,072 | €53,585 | €128,372 | €103,515 | €171,272 | ▲ 65.5% |
| Investment in fixed assets (approximation) | - | -€525,184 | -€39,475 | -€14,210 | -€83,636 | ▼ 489% |
| Change in cash | - | -€84,740 | -€79,813 | -€1,836 | €12,301 | ▲ 770% |
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
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €95,580 ▲138%
Operating result €137,787, net result €95,580, both a record.
31-12
Financial
Equity above €500,000Eq €561,026 ▲13.2%
7 profitable years in a row build equity to €561,026.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €3,943 ▼93.5%
Net result drops to €3,943, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
02-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 2 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, Sint-Agatha-Berchem · 1 establishment unit since 1987
Ground area
704 m²
Building footprint
242 m²
Volume, LiDAR
877 m³
Parcel 21003A0097/00V002, Brussels · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Groot-Bijgaardenstraat 302, 1082 Sint-Agatha-Berchem
since 19872.033.821.170
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0097/00V002 | Brussels | 704 m² | 1 · 242 m² | 8.4 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Dual-learning approval
2 live approvals · 3 endedElektrische installaties duaal (so)
Elektrotechnisch installateur (vwo)
Show 3 ended approvals
Installateur gebouwenautomatisering duaal (so)
Elektrotechnicus (vwo)
Elektrotechnicus duaal (so)
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Of 4,093 companies in sector 43240 we hold annual accounts for 1,634. 948 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded27-11-1986
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
43240Other construction installation
Contact
Website
www.aca.be
E-mail
info@aca.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0429950124
Also
9925:BE0429950124
Registered
23-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.