A.C.K.
ActiveSummary
A.C.K. has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €216k and a net result of €25k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 85% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability80▲+51
Solvency100▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 4.24 against 2.75 in 2023; short-term debt: 17.4% and cash: 30.5% of total assets), and 20.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
Sector 43
higher
← 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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
13 d late
2022
66 d late
2021
26 d late
2020
92 d late
2019
91 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€216k▲ 12.8%
2023 · €191k
2019: €159k
2020: €159k
2021: €182k
2022: €201k
2023: €191k
2019 → 2024
Total assets
€271k▼ 3.6%
2023 · €281k
2019: €252k
2020: €229k
2021: €325k
2022: €384k
2023: €281k
2019 → 2024
Net result
€25k
2023 · €-9k
2019: €23k
2020: €-59
2021: €23k
2022: €19k
2023: €-9k
2019 → 2024
Working capital
€153k▲ 14.1%
2023 · €134k
2019: €137k
2020: €149k
2021: €186k
2022: €208k
2023: €134k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€159k-€182k▲ 14.5%€201k▲ 10.2%€191k▼ 4.7%€216k▲ 12.8%
Operating result€2k-€34k▲ 1,419%€29k▼ 14.2%€-6k€44k
Net result€-59-€23k€19k▼ 19.7%€-9k€25k
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 2024: €44k after a loss of €6k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €271k
Fixed assets
€71k ▲ 0.1%
Current assets
€200k ▼ 4.9%
Equity and liabilities €271k
Equity
€216k ▲ 12.8%
Debt
€55k ▼ 38.7%
Debt's share of the balance-sheet total falls from 32.0% to 20.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▲
2023 · €5k
Cash flow
€37k▲
2023 · €2k
Current ratio
4.24▲
2023 · 2.75
Debt to equity
0.26▼
2023 · 0.47
ROE
11.4%▲
2023 · -5.0%
ROA
9.1%▲
2023 · -3.4%
Interest coverage
8.48▲
2023 · 1.74
Debt ≤ 1 year
€47k▼
2023 · €76k
Debt > 1 year
€8k▼
2023 · €13k
Income taxes
€13k▲
2023 · €132
Staff costs
€92k▲
2023 · €78k
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 · 56 lines
Balance sheet
Code20232024
Assets
Total assets20/58€281k€271k▼
Fixed assets21/28€71k€71k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€71k€71k▲
Land and buildings22€50k€45k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€17k€24k▲
Other tangible fixed assets26€1k€656▼
Financial fixed assets28€0-
Current assets29/58€210k€200k▼
Amounts receivable within one year40/41€191k€117k▼
Trade receivables40€177k€99k▼
Other amounts receivable41€15k€18k▲
Cash at bank and in hand54/58€17k€83k▲
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€281k€271k▼
Equity10/15€191k€216k▲
Contributions10/11€6k€6k=
Reserves13€52k€76k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€52k€76k▲
Profit (loss) carried forward14€133k€133k▲
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Other liabilities and charges164/5€0-
Amounts payable17/49€90k€55k▼
Amounts payable after more than one year17€13k€8k▼
Financial debts170/4€13k€8k▼
Amounts payable within one year42/48€76k€47k▼
Current portion of amounts payable after more than one year42€4k€5k▲
Trade debts44€66k€22k▼
Suppliers440/4€66k€22k▼
Taxes, remuneration and social security45€690€13k▲
Taxes450/3€325€13k▲
Remuneration and social security454/9€365€0▼
Other amounts payable47/48€6k€8k▲
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20232024
Remuneration, social security and pensions62€78k€92k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€15k
Other operating charges640/8€533-
Gross operating margin9900€84k€164k▲
Operating profit (loss)9901€-6k€44k▲
Financial income75/76B€33€0▼
Recurring financial income75€33€0▼
Financial charges65/66B€3k€7k▲
Recurring financial charges65€3k€7k▲
Profit (loss) for the period before taxes9903€-9k€37k▲
Income taxes67/77€132€13k▲
Profit (loss) for the period9904€-9k€25k▲
Profit (loss) for the period to be appropriated9905€-9k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€133k€158k▲
Profit (loss) brought forward from the previous period14P€143k€133k▼
Transfer to equity691/2-€25k
To other reserves6921-€25k
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
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Equity above €200kEq €216k ▲12.8%
Equity rises from €191k to €216k.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-12
Financial
Weakest financial yearnet €-9k ▼151%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-12
Financial
Equity above €200kEq €201k ▲10.2%
2 profitable years in a row build equity to €201k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 92 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
Show earlier events
2017
07-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 129 days late
06-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 310 days late
2015
14-07
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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 · 1 establishment unit since 1989
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.
En Hayeneux 1014040 HerstalGround area
614 m²
Building footprint
442 m²
Parcel 62051D1821/00Y000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SCRL ACK
since 19892.045.052.087
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62051D1821/00Y000 | Wallonia | 614 m² | 1 · 442 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.
Similar companies · same sector, comparable size
LEMAX TECHNICS
BE 0651.545.733
Moorslede · Eq €215,610
Sanitair Deconinck
BE 0794.817.406
Deerlijk · Eq €216,298
Decosan
BE 0806.630.422
Arendonk · Eq €216,787
S&M Groupe
BE 0731.858.565
Meise · Eq €216,879
Dakwerken Gijsel
BE 0683.660.156
Beveren-Kruibeke-Zwijndrecht · Eq €217,167
Of 7,041 companies in sector 43221 we hold annual accounts for 3,471. 2,847 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-07-1989
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.