A.C. Dream
ActiveThe computed 12-month bankruptcy probability of A.C. Dream is 2.7% (moderate). The 2025 annual accounts show negative equity (€-33k) and a net result of €11k. Equity is shrinking by ~76.1% per year across the filed fiscal years. Its solvency ranks better than 12% of 18237 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+93
Solvency0=
Growth58▲+26
Track record82
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.3 against 0.12 in 2024; short-term debt: 115.5% and cash: 5.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
Sector 47
higher
← 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 2025Solvency, return and age of the figures
Solvency
-59.5%
Return on assets
19.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 18237 sector peers (2025).
NBB · sector comparisonPosition among 18237 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
21 d early
2024
3 d early
2023
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-33k▲ 24.9%
2024 · €-43k
2023: €17k
2024: €-43k
2023 → 2025
Total assets
€55k▲ 1.8%
2024 · €54k
2023: €58k
2024: €54k
2023 → 2025
Net result
€11k
2024 · €-60k
2023: €-13k
2024: €-60k
2023 → 2025
Working capital
€-44k▲ 20.2%
2024 · €-56k
2023: €8k
2024: €-56k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€17k-€-43k€-33k▲ 24.9%
Operating result€-13k-€-58k▼ 353%€13k
Net result€-13k-€-60k▼ 363%€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €13k after a loss of €58k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€36k▼ 22.7%
Current assets
€19k▲ 159%
Key figures and ratios
EBITDA
€24k▲
2024 · €-47k
Cash flow
€22k▲
2024 · €-49k
Solvency
-59.5%▲
2024 · -80.7%
Current ratio
0.30▲
2024 · 0.12
Quick ratio
0.21▲
2024 · 0.04
Debt / equity
-2.68▼
2024 · -2.24
ROA
19.8%▲
2024 · -112.2%
Interest coverage
12.68▲
2024 · -21.74
Debt
€87k▼
2024 · €97k
Debt ≤ 1 year
€63k▲
2024 · €63k
Debt > 1 year
€23k▼
2024 · €33k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€54k€55k▲
Fixed assets21/28€47k€36k▼
Intangible fixed assets21€601€285▼
Tangible fixed assets22/27€46k€36k▼
Furniture and vehicles24€45k€35k▼
Other tangible fixed assets26€1k€1k▼
Current assets29/58€7k€19k▲
Stocks and contracts in progress3€5k€6k▲
Stocks30/36€5k€6k▲
Amounts receivable within one year40/41€722€10k▲
Trade receivables40€605€10k▲
Other amounts receivable41€117-
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1-€375
Equity and liabilities
Total equity and liabilities10/49€54k€55k▲
Equity10/15€-43k€-33k▲
Contributions10/11€30k€30k=
Profit (loss) carried forward14€-73k€-63k▲
Amounts payable17/49€97k€87k▼
Amounts payable after more than one year17€33k€23k▼
Financial debts170/4€33k€23k▼
Amounts payable within one year42/48€63k€63k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€2k€7k▲
Taxes450/3€2k€7k▲
Other amounts payable47/48€49k€43k▼
Accrued charges and deferred income492/3€1k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€713€875▲
Gross operating margin9900€-46k€25k▲
Operating profit (loss)9901€-58k€13k▲
Financial income75/76B€33€8▼
Recurring financial income75€33€8▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-60k€11k▲
Profit (loss) for the period9904€-60k€11k▲
Profit (loss) for the period to be appropriated9905€-60k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-73k€-63k▲
Profit (loss) brought forward from the previous period14P€-13k€-73k▼
The notes to these accounts (9 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-60k
Net result drops to €-60k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Frameries · 1 establishment unit since 2023
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.
Rue Ferrer 1047080 FrameriesGround area
338 m²
Building footprint
106 m²
Parcel 53028B0173/00C006, Wallonia. Linked by address, not a title deed.
1 establishment unit
A.C. Dream
since 20232.351.918.616
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53028B0173/00C006 | Wallonia | 338 m² | 1 · 105 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Winkel vol Winkels
BE 0770.391.321
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In2wood
BE 0754.735.719
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DE OUDE BEUK
BE 0477.009.475
Lanaken · Eq €17k
Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 861 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2023
Fiscal year end31-12
Activities, NACEBEL
47551Retail sale of household furniture
47591Retail trade
85592Vocational training
96040Personal service activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.