A C H CONSTRUCT
ActiveSummary
A C H CONSTRUCT has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €3.7m and a net result of €106,220. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 41% of 1290 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability29▼-11
Solvency51▼-5
Growth44▲+18
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170,000 at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.51 in 2023; short-term debt: 61.4% and cash: 4% of total assets), and 74.3% of the assets are financed with debt.
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Signals
Six 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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
25.7%
Return on assets
0.7%
Age of the figures
21 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-08-2025, 13 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
13 d late
2023
16 d early
2022
25 d early
2021
31 d early
2020
22 d early
2019
60 d late
← 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 4 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, full schema
In the rankings
#1 employer in Les Bons Villers#1 company by total assets in Les Bons Villers, Construction sector#1 company by equity in Les Bons Villers, Construction sector
Turnover
€33.8m▲ 143%
2023 · €13.9m
EBIT margin
0.5%▼ 1.8pp
2023 · 2.3%
Net result
€106,220▼ 52.9%
2023 · €225,433
Working capital
€3.3m▲ 4.7%
2023 · €3.2m
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
Turnover€17.2m▲ 103%€33.4m▲ 93.6%€44.7m▲ 33.9%€13.9m▼ 68.9%€33.8m▲ 143%
Operating result-€348,604▼ 134%€172,690€327,832▲ 89.8%€321,576▼ 1.9%€176,056▼ 45.3%
Net result-€383,122▼ 87.4%€132,086€120,816▼ 8.5%€225,433▲ 86.6%€106,220▼ 52.9%
EBIT margin-2.0%▼ 0.3pp0.5%▲ 2.5pp0.7%▲ 0.2pp2.3%▲ 1.6pp0.5%▼ 1.8pp
Equity€3.1m▼ 10.9%€3.3m▲ 4.2%€3.4m▲ 3.7%€3.6m▲ 6.6%€3.7m▲ 2.9%
Total assets€12.8m▼ 1.7%€9.5m▼ 25.9%€8.9m▼ 5.9%€11.7m▲ 31.0%€14.5m▲ 23.7%
Debt€9.6m▲ 1.7%€6.2m▼ 35.6%€5.5m▼ 11.0%€8.1m▲ 45.9%€10.7m▲ 33.1%
Working capital€3.1m▲ 79.0%€3.1m▲ 1.2%€3.1m▲ 0.1%€3.2m▲ 2.0%€3.3m▲ 4.7%
Staff (FTE)56.7▼ 8.5%52.8▼ 6.9%48.5▼ 8.1%54.8▲ 13.0%60▲ 9.5%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 45% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €14.5m
Fixed assets
€2.2m ▼ 1.9%
Current assets
€12.2m ▲ 30.0%
Equity and liabilities €14.5m
Equity
€3.7m ▲ 2.9%
Debt
€10.7m ▲ 33.1%
Debt's share of the balance-sheet total rises from 69.0% to 74.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€178,223▼
2023 · €325,219
Cash flow
€108,387▼
2023 · €229,076
Current ratio
1.38▼
2023 · 1.51
Quick ratio
1.33▼
2023 · 1.44
Debt to equity
2.88▲
2023 · 2.23
ROE
2.9%▼
2023 · 6.2%
ROA
0.7%▼
2023 · 1.9%
Interest coverage
1.53▼
2023 · 2.95
Debt ≤ 1 year
€8.9m▲
2023 · €6.2m
Debt > 1 year
€1.9m=
2023 · €1.9m
Income taxes
€5,910▲
2023 · €4,877
Staff costs
€4.4m▲
2023 · €3.7m
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 |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €13.2m | €14.4m | €24.2m | €34.1m | ▲ 40.6% |
| Turnover70 | €17.2m | €33.4m | €44.7m | €13.9m | €33.8m | ▲ 143% |
| Change in stocks of work in progress, finished goods and contracts in progress71 | - | -€20.6m | -€30.5m | €10.2m | €0 | ▼ 100% |
| Other operating income74 | - | €295,476 | €165,499 | €208,084 | €286,041 | ▲ 37.5% |
| Non-recurring operating income76A | - | €62,337 | - | - | - | - |
| Operating charges60/66A | - | €13.0m | €14.1m | €23.9m | €33.9m | ▲ 41.7% |
| Goods for resale, raw materials and consumables60 | - | €9.2m | €10.3m | €18.4m | €27.6m | ▲ 50.1% |
| Purchases600/8 | - | €9.2m | €10.5m | €18.3m | €27.5m | ▲ 49.9% |
| Change in stocks: decrease (increase)609 | - | -€19,199 | -€152,136 | €49,181 | €111,212 | ▲ 126% |
| Services and other goods61 | - | €1.2m | €1.1m | €1.8m | €1.7m | ▼ 5.4% |
| Remuneration, social security and pensions62 | - | €2.5m | €2.6m | €3.7m | €4.4m | ▲ 17.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,696 | €8,439 | €6,084 | €3,643 | €2,167 | ▼ 40.5% |
| Other operating charges640/8 | - | €49,208 | €7,920 | €12,611 | €11,421 | ▼ 9.4% |
| Non-recurring operating charges66A | - | - | - | - | €243,135 | - |
| Operating profit (loss)9901 | -€348,604 | €172,690 | €327,832 | €321,576 | €176,056 | ▼ 45.3% |
| Financial income75/76B | - | €11,081 | €12,951 | €32,196 | €59,938 | ▲ 86.2% |
| Recurring financial income75 | €10,351 | €11,081 | €12,951 | €32,196 | €59,938 | ▲ 86.2% |
| Income from current assets751 | - | €7,560 | €7,605 | €28,543 | €49,839 | ▲ 74.6% |
| Other financial income752/9 | - | €3,521 | €5,345 | €3,654 | €10,100 | ▲ 176% |
| Financial charges65/66B | - | €46,908 | €62,377 | €123,462 | €123,864 | ▲ 0.3% |
| Recurring financial charges65 | €40,818 | €46,908 | €62,377 | €123,462 | €123,864 | ▲ 0.3% |
| Debt charges650 | €37,883 | €42,511 | €44,562 | €110,345 | €116,565 | ▲ 5.6% |
| Other financial charges652/9 | - | €4,398 | €17,814 | €13,117 | €7,300 | ▼ 44.4% |
| Non-recurring financial charges66B | - | - | - | - | €0 | - |
| Profit (loss) for the period before taxes9903 | -€379,071 | €136,862 | €278,405 | €230,310 | €112,130 | ▼ 51.3% |
| Income taxes67/77 | €4,050 | €4,776 | €157,589 | €4,877 | €5,910 | ▲ 21.2% |
| Taxes670/3 | - | €4,776 | €157,589 | €4,877 | €5,910 | ▲ 21.2% |
| Profit (loss) for the period9904 | -€383,122 | €132,086 | €120,816 | €225,433 | €106,220 | ▼ 52.9% |
| Profit (loss) for the period to be appropriated9905 | -€383,122 | €132,086 | €120,816 | €225,433 | €106,220 | ▼ 52.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €12.8m | €9.5m | €8.9m | €11.7m | €14.5m | ▲ 23.7% |
| Formation expenses20 | - | - | - | €0 | €0 | - |
| Fixed assets21/28 | €2.2m | €2.2m | €2.2m | €2.3m | €2.2m | ▼ 1.9% |
| Intangible fixed assets21 | - | - | - | €0 | €0 | - |
| Tangible fixed assets22/27 | €20,848 | €12,409 | €6,325 | €2,682 | €515 | ▼ 80.8% |
| Plant, machinery and equipment23 | - | - | - | €0 | €0 | - |
| Furniture and vehicles24 | - | €12,409 | €6,325 | €2,682 | €515 | ▼ 80.8% |
| Leasing and similar rights25 | - | - | - | €0 | €0 | - |
| Financial fixed assets28 | €2.1m | €2.2m | €2.2m | €2.3m | €2.2m | ▼ 1.8% |
| Affiliated companies280/1 | - | €1.7m | €1.7m | €1.7m | €1.7m | = |
| Amounts receivable281 | - | €1.7m | €1.7m | €1.7m | €1.7m | = |
| Other financial fixed assets284/8 | - | €467,417 | €508,392 | €585,742 | €545,217 | ▼ 6.9% |
| Shares284 | - | €38,078 | €38,078 | €48,078 | €48,078 | = |
| Amounts receivable and cash guarantees285/8 | - | €429,339 | €470,314 | €537,664 | €497,139 | ▼ 7.5% |
| Current assets29/58 | €10.6m | €7.3m | €6.7m | €9.4m | €12.2m | ▲ 30.0% |
| Stocks and contracts in progress3 | €349,403 | €368,602 | €542,739 | €493,558 | €382,346 | ▼ 22.5% |
| Stocks30/36 | - | €368,602 | €542,739 | €493,558 | €382,346 | ▼ 22.5% |
| Raw materials and consumables30/31 | - | €368,602 | €520,739 | €471,558 | €360,346 | ▼ 23.6% |
| Property held for sale35 | - | - | €22,000 | €22,000 | €22,000 | = |
| Contracts in progress37 | - | - | - | €0 | €0 | - |
| Amounts receivable within one year40/41 | €9.8m | €5.9m | €5.9m | €7.5m | €11.3m | ▲ 50.8% |
| Trade receivables40 | - | €4.9m | €4.2m | €5.8m | €9.8m | ▲ 67.8% |
| Other amounts receivable41 | - | €948,138 | €1.7m | €1.6m | €1.5m | ▼ 9.6% |
| Current investments50/53 | - | - | - | €1.0m | - | - |
| Other investments51/53 | - | - | - | €1.0m | - | - |
| Cash at bank and in hand54/58 | €398,933 | €1.1m | €267,103 | €443,749 | €582,690 | ▲ 31.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €12.8m | €9.5m | €8.9m | €11.7m | €14.5m | ▲ 23.7% |
| Equity10/15 | €3.1m | €3.3m | €3.4m | €3.6m | €3.7m | ▲ 2.9% |
| Contributions10/11 | €2.1m | €3.0m | €3.0m | €3.0m | €3.0m | = |
| Capital10 | - | €2.1m | €2.1m | €2.1m | €2.1m | = |
| Issued capital100 | - | €2.1m | €2.1m | €2.1m | €2.1m | = |
| Outside capital11 | - | €893,280 | €893,280 | €893,280 | €893,280 | = |
| Share premium1100/10 | - | €893,280 | €893,280 | €893,280 | €893,280 | = |
| Reserves13 | €1.6m | €1.6m | €1.6m | €1.6m | €1.6m | = |
| Non-distributable reserves130/1 | - | €563,958 | €563,958 | €563,958 | €563,958 | = |
| Legal reserve130 | - | €99,157 | €99,157 | €99,157 | €99,157 | = |
| Reserves not available under the articles1311 | - | - | €464,800 | €464,800 | €464,800 | = |
| Other1319 | - | €464,800 | - | - | - | - |
| Tax-exempt reserves132 | - | €666,429 | €666,429 | €666,429 | €666,429 | = |
| Distributable reserves133 | - | €335,675 | €335,675 | €335,675 | €335,675 | = |
| Profit (loss) carried forward14 | -€1.4m | -€1.3m | -€1.2m | -€925,703 | -€819,483 | ▲ 11.5% |
| Amounts payable17/49 | €9.6m | €6.2m | €5.5m | €8.1m | €10.7m | ▲ 33.1% |
| Amounts payable after more than one year17 | €2.1m | €2.0m | €1.9m | €1.9m | €1.9m | = |
| Financial debts170/4 | - | €2.0m | €1.9m | €1.9m | €1.9m | = |
| Subordinated loans170 | - | €1.9m | €1.9m | €1.9m | €1.9m | = |
| Credit institutions173 | - | €172,107 | €87,821 | - | - | - |
| Amounts payable within one year42/48 | €7.5m | €4.2m | €3.6m | €6.2m | €8.9m | ▲ 43.0% |
| Financial debts43 | - | - | €300,000 | - | - | - |
| Credit institutions430/8 | - | - | €300,000 | - | - | - |
| Trade debts44 | €5.3m | €3.7m | €2.7m | €5.4m | €8.2m | ▲ 52.0% |
| Suppliers440/4 | - | €3.7m | €2.7m | €5.4m | €8.2m | ▲ 52.0% |
| Advances received on contracts in progress46 | - | - | - | €0 | €0 | - |
| Taxes, remuneration and social security45 | - | €442,390 | €534,490 | €780,625 | €627,258 | ▼ 19.6% |
| Taxes450/3 | - | €51,397 | €73,681 | €87,310 | €99,479 | ▲ 13.9% |
| Remuneration and social security454/9 | - | €390,992 | €460,809 | €693,315 | €527,780 | ▼ 23.9% |
| Accrued charges and deferred income492/3 | - | €8,361 | €9,048 | €8,148 | €9,592 | ▲ 17.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€383,122 | €132,086 | €120,816 | €225,433 | €106,220 | ▼ 52.9% |
| + Depreciation and write-downs630 | €9,696 | €8,439 | €6,084 | €3,643 | €2,167 | ▼ 40.5% |
| Operating cash flow (approximation) | -€373,426 | €140,525 | €126,900 | €229,076 | €108,387 | ▼ 52.7% |
| Investment in fixed assets (approximation) | - | -€20,125 | -€40,975 | -€77,350 | €40,525 | ▲ 152% |
| Change in cash | - | €657,702 | -€789,532 | €176,646 | €138,941 | ▼ 21.3% |
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
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 13 days late
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €132,086
Net result €132,086 after 2 loss-making years.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet -€383,122
Net result drops to -€383,122, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 60 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 21 days late
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
20-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 16 acts read
About the unread acts
We know of 16 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
16 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, Les Bons Villers · 1 establishment unit since 2000
Ground area
2.2 ha
Building footprint
193 m²
Parcel 52024B0182/00S002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Sart-Dames-Avelines(FLG) 46, 6210 Les Bons Villers
since 20002.096.710.032
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52024B0182/00S002 | Wallonia | 2.2 ha | 1 · 193 m² | - |
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
Recognised contractor
7 categoriesA C H CONSTRUCT SA08781
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,042. 2,491 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
Founded09-08-2000
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
42110Construction of roads and motorways
43410Roofing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0472552425
Also
9925:BE0472552425
Registered
03-10-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.