Result
€958,466 ▲ 138%
The result rose in 2025 from €403,398 to €958,466.
A&C HOLDING
Lifetime
20 annual accounts with figures on one time axis, 30 filings since 1996peak €1.5m (2025)
€1.5m▲ 11.4%
lowest -€276,326 (2020)
€958,466▲ 138%
peak €22.6m (2025)
€22.6m▲ 4.4%
€913,254▼ 12.9%
peak 8 FTE (2017)
7.3 FTE▲ 15.9%
Board6 names since 1995
3 directorsDimitri Joye and 2 others
Documentsfilings and deeds
09-06-202652 days before the deadline
2025abbreviated format
Result from €403,398 to €958,466Staff from 6.3 FTE to 7.3 FTE2 directors appointed, 1 resignation 26-09
Key points
from the 2025 annual accountsStaff
6 employees on 31-12-2025
In 2025, 21 people joined and 21 left.
Filings
30 annual accounts since 1996
Three of the last ten came late. The 2016 accounts came latest: 108 days after the end of the period.
Group
4 companies controlled
Heads a group.
Board
2 joined · 2 left
Board changed. Latest change 19-02-2026 · 3 in office.
Position in the sector
96.1%
Higher solvency than 95% of companies in accommodation. Sector median 26.1% · 891 companies.
Checked score
95
Excellent
Financially stronger than 71% of micro companies in accommodation (NACE 55)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 2,522 companies (NACE 55, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.3%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.2%▼ -0.1 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.1%▼ -0.1 percentage points vs 06-2026lowest value
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 3.86, cash €551,513
Size: 7.3 FTE, total assets €23.5m
lowers risk
Founded in 1995
Equity €22.6m (96.1% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 55, micro). It does better than 93% of them on solvency, 65% on liquidity, 69% on profitability and 58% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit verdict
Credit of up to €2,100,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.86 (2.61 in 2024), above the usual 1.5. Short-term debt is 3.8% and cash 2.3% of total assets. 3.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 days early
2024
28 days early
2023
26 days early
2022
on the day
2021
11 days early
2020
138 days early
2019
2 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 37 days before the deadline. In the sector (NACE 55), the median for financial year 2024 was 1 day before the deadline, and 45% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 6 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
Shares in 3 companies, including JOYE COMPANY and IMMOGROEP JOYE
Board & ownershipRecent changes
3 directors appointed, 2 resignations
Resignations: André Joye (statutory director) and Dimitri Joye (managing director) · Appointments: Vanessa Joye, BV Nationale Konstruktie Maatschappij (managing director) and Pascale Joye · Permanent representative: Dimitri Joye · General meeting of 19-02-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0456850006
2 directors appointed, 1 resignation
Appointments: Dimitri Joye (managing director) and Pascale Joye · Resignation: André Joye · General meeting of 27-06-2025 · Gazette deed
2 directors appointed, 1 resignation
Resignation: JOYE MANAGEMENT (statutory director) · Permanent representative: JOYE André Bruno · Appointments: JOYE André Bruno (statutory director) and JOYE Dimitri (successor director) · General meeting of 26-01-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| A&C HOLDING De Haan | €23.5m | €1.5m | 96.1% | 7.3 |
| EuroParcs Resort Zilverstrand Mol | €17.8m | €1.4m | -34.1% | 13.9 |
| PHILIPPE ET THERESE LEFEBVRE Molenbeek-Saint-Jean | €16.9m | €1.3m | 99.0% | 13.5 |
| Belcoast Holidays Middelkerke | €10.7m | €1.0m | 55.2% | 3.4 |
| Camping Blauwe Meer Lommel | €13.1m | €2.8m | 41.4% | 21.1 |
| RECREATIEOORD WILHELM TELL Oudsbergen | €5.1m | €1.2m | 70.4% | 8.6 |
| DOMAINE DE MASSEMBRE Hastière | €12.6m | €2.5m | 23.1% | 30.9 |
These companies have the same main activity as A&C HOLDING: accommodation (NACE 55202). They are comparable in size and age: total assets between €5.1m and €18m, founded between 1976 and 2005.
Official details
Source: KBO- Status
- Active since 18-12-1995Normal situation
- Activity
- AccommodationNACE 55202and 1 other
- Joint committee
- 302Hotels and catering · annual accounts 2025
- Establishment unit
- 2.075.216.2188420 De Haan, since 14-02-1996
- Financial year end
- 31 December
- Peppol
- Reachable since 30-10-2025
Annual accounts 2025
- ≈ €2.6mestimated
- €23.5m▲ 3.6%
- Employeeson 31-12-2025
- 6=
- Filing
- Filed on 09-06-2026, 52 days before the end of the filing period
Companies linked to A&C HOLDING
Subsidiaries and holdings
- Joye Invest32%
Insights on A&C HOLDING
A&C HOLDING files the abbreviated format. That format states no turnover. The gross margin rose from €5,248 in 2006 to €1.5m in 2025.
In May 2026, the Official Gazette published the appointment of Nationale Konstruktie Maatschappij as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about A&C HOLDING
- What is the company number of A&C HOLDING?
- The company number of A&C HOLDING is 0456.850.006. The VAT number is the same number with BE in front: BE 0456.850.006.
- Where is A&C HOLDING based?
- The registered office is at Normandiëlaan 13, 8420 De Haan.Company details
- What does A&C HOLDING do?
- According to the KBO register, the main activity is accommodation (NACE 55202).
- What is the legal form of A&C HOLDING?
- A&C HOLDING is a public limited company (NV).
- When was A&C HOLDING founded?
- A&C HOLDING was founded on 18-12-1995.
- Is A&C HOLDING still active?
- Yes, A&C HOLDING is an active enterprise in the KBO register.
- How many employees does A&C HOLDING have?
- A&C HOLDING had an average of 7.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does A&C HOLDING fall under?
- In its 2025 annual accounts, A&C HOLDING states joint committee 302 (Hotels and catering).
- What is the turnover of A&C HOLDING?
- The turnover in financial year 2025 is ≈ €2.6m. This figure is estimated from the gross margin of €1.5m and 1,586 comparable companies of the same size. It probably lies between €1.8m and €4.3m. It is a rough estimate.
- Is A&C HOLDING profitable?
- In financial year 2025, A&C HOLDING made a profit of €958,466.
- Where can I find the annual accounts of A&C HOLDING?
- A&C HOLDING filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of A&C HOLDING due?
- A&C HOLDING must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See the other companies in the same group.A&C HOLDING · 5 companies Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.