Turnover
≈ €250,000 estimated
The micro format states no turnover.
AC
Overview
Lifetime
1 annual account with figurespeak €76,981 (2025)
€76,981
peak €24,006 (2025)
€24,006
peak €24,006 (2025)
€24,006
€55,455
Board1 name since 2024
1 directorCOSENTINO Amalia Luana
Documentsfilings and deeds
15-10-202676 days late
2025micro format
First year with figures
Key points
from the 2025 annual accountsStarting capital
€3,000 100 shares
2025 accounts filed 76 days after the deadline
Checked score
52
Fair
Financially stronger than 70% of micro companies in food and beverage service (NACE 56)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.3% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,791 companies (NACE 56, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2025: 3.9%
08-2025: 3.9%● unchanged vs 07-2025
09-2025: 4.0%▲ +0.1 percentage points vs 08-2025
10-2025: 4.4%▲ +0.4 percentage points vs 09-2025
11-2025: 4.5%▲ +0.1 percentage points vs 10-2025
12-2025: 4.8%▲ +0.3 percentage points vs 11-2025
01-2026: 4.8%● unchanged vs 12-2025
02-2026: 5.3%▲ +0.5 percentage points vs 01-2026
03-2026: 5.2%▼ -0.1 percentage points vs 02-2026
04-2026: 5.1%▼ -0.1 percentage points vs 03-2026
05-2026: 5.1%● unchanged vs 04-2026
06-2026: 5.5%▲ +0.4 percentage points vs 05-2026
07-2026: 5.5%● unchanged vs 06-2026highest value
08-2026: 5.5%● unchanged vs 07-2026highest value
09-2026: 5.5%● unchanged vs 08-2026highest value
10-2026: 3.3%▼ -2.2 percentage points vs 09-2026lowest value
11-2026: 3.3%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Sector: Food and beverage service activities (NACE 56)
Last filed accounts filed 76 days late; 1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 1.02, cash €48,688
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 56, micro). It does better than 51% of them on solvency, 67% on liquidity and 93% on profitability.
The bankruptcy probability was computed on 10-11-2026 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 moderate class on 30-06-2025, 2.4% 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).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as AC has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of AC itself is higher: 3.3% within 12 months. It rests on far more data about AC than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for AC. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.02, below the usual 1.5. Short-term debt is 69.8% and cash 61.3% of total assets. 69.8% 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 risk
raises risk · 2025 accounts filed 76 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-10-2026, 76 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
76 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1010883718
First establishment
Avenue de Philippeville 221, Charleroi
Incorporation
Founding capital of €3,000, 100 shares · Founder: COSENTINO Amalia Luana · Appointment: COSENTINO Amalia Luana (director) · published on 02-07-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AC Charleroi | €79,461 | €76,981 | 30.2% | - |
| LE VERTIGE DES SENS Ath | €70,269 | €76,357 | -4.4% | - |
| FLO & VAS Flobecq | €68,911 | €67,732 | 73.2% | - |
| LA FIORE Buggenhout | €80,330 | €74,388 | 85.4% | - |
| BANO Machelen (Brab.) | €70,766 | €76,518 | 42.2% | - |
| L & N ENJOY Lennik | €81,366 | €66,627 | -73.5% | - |
| LeoNora Nijlen | €84,227 | €87,589 | 34.9% | - |
These companies have the same main activity as AC: full-service restaurants (NACE 56111). They are comparable in size and age: total assets between €68,900 and €84,200, founded in 2024.
Official details
Source: KBO- Status
- Active since 28-06-2024Normal situation
- Activity
- Full-service restaurantsNACE 56111and 2 others
- Joint committee
- 302Hotels and catering · annual accounts 2025
- Establishment unit
- 2.361.393.1406001 Charleroi, since 01-07-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 10-12-2025
Annual accounts 2025
- €76,981
- €24,006
- €24,006
- €79,461
- Employeeson 31-12-2025
- 6
- Filing
- Filed on 15-10-2026
Insights on AC
The computed 12-month bankruptcy probability of AC is 3.3% (moderate). The 2025 annual accounts show equity of €24,006 and a net result of €24,006.
Its solvency ranks better than 51% of 17,158 sector peers (NACE 56, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 15-10-2026, 76 days late€76,981
€31,974
€24,006
€1,324
30.2%
1.02
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €250,000. Estimated: probably between €210,000 and €330,000.
Balance sheet
balance sheet total €79,461 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
30.2%
Higher than 51% of 17,158 companies in 2025.
1.02
Higher than 47% of 16,582 companies in 2025.
30.2%
Higher than 88% of 16,665 companies in 2025.
AC
Middle half of the sector
80% of the sector
Micro accounts in food and beverage service (NACE 56)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Staff
€8,236
Staff costs divided by the average number of full-time equivalents.
+3 people
people who joined
people who left
In 2025, 10 people joined and 7 left. Training hours in 2025: 976.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
79,461 | |
21/28 |
22,682 | |
22/27 |
19,477 | |
23 |
1,238 | |
24 |
18,239 | |
28 |
3,205 | |
29/58 |
56,779 | |
40/41 |
4,266 | |
40 |
4,095 | |
41 |
171 | |
54/58 |
48,688 | |
490/1 |
3,825 | |
| Balance sheet: equity and liabilities | ||
10/49 |
79,461 | |
10/15 |
24,006 | |
14 |
24,006 | |
17/49 |
55,455 | |
42/48 |
55,455 | |
44 |
5,070 | |
440/4 |
5,070 | |
45 |
12,032 | |
450/3 |
10,498 | |
454/9 |
1,535 | |
47/48 |
38,352 | |
| Income statement | ||
9900 |
76,981 | |
62 |
36,237 | |
630 |
8,187 | |
640/8 |
583 | |
9901 |
31,974 | |
75/76B |
230 | |
75 |
230 | |
65/66B |
1,391 | |
65 |
1,391 | |
9903 |
30,813 | |
67/77 |
6,807 | |
9904 |
24,006 | |
9905 |
24,006 | |
| Appropriation of the result | ||
9906 |
24,006 | |
| Social balance sheet | ||
9087 |
4.4 | |
Hours worked1013 |
2,205 | |
| Document | ||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 15-10-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 76 days after the deadline. Filed on 15 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00566225.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 15-10-2026 | 2026-00566225 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 40,160 | ||
| 32,192 | ||
| 30,868 | ||
| 1,324 | ||
| 30.2% | ||
| 1.02 | ||
| 2.31 | ||
| 100.0% | ||
| 30.2% | ||
| 28.88 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2025 |
|---|---|
| Employees at the balance-sheet date | 6 |
| full-time | 1 |
| part-time | 5 |
| in full-time equivalents | 3.4 |
| 3.2 | |
| On a permanent contract | 4 |
| Joined | 10 |
| Left | 7 |
| Training hours | 976 |
Source: social balance sheet in the 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €27,663 |
| Financial fixed assets | €3,205 |
| €8,187 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on AC
Debt's share of the balance-sheet total is 69.8%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 27-06-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 15-10-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 02-07-2024
Mandates through the years
1 name, the dashed line is todayCOSENTINO Amalia Luana
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- COSENTINO Amalia Luana
- Director (not named in the articles), from 27-06-2024 to date
Control
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €240 in 2025
- Source
- deed of 02-07-2024
Articles of association
deed of 02-07-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Shareholders
At incorporation
deed of 02-07-2024 ↗
- COSENTINO Amalia Luana 100 shares (100%) · €3,000 in cash
Network & group
No group
AC has no parent and no holdings in its annual accounts. COSENTINO Amalia Luana is the only director. AC shares no director with another company.
At the same address
Avenue de Philippeville 221, 6001 Charleroi · 3 other companies| Pengo
registered office since 01-06-2021 · founded in 2021 |
total assets €301,511 (2023) 0768.237.228 |
| LE DEAUVILLE
registered office since 20-07-2010 · founded in 2010 · negative equity (2025) |
total assets €16,142 (2025) 0827.969.729 |
| S.B.G. Constructions
registered office since 25-05-1987 |
founded in 1987 0431.198.949 |
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 76 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1010883718
2024
First establishment Avenue de Philippeville 221, Charleroi
IncorporationFounding capital of €3,000, 100 shares · Founder: COSENTINO Amalia Luana · Appointment: COSENTINO Amalia Luana (director) · published on 02-07-20243 points ▸
- Director appointment, COSENTINO Amalia Luana (director (not named in the articles))
- Founder, COSENTINO Amalia Luana
- Founding capital, €3,000, 100 shares
- The deed holds 7 more points.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1010.883.718
- VAT number
- BE 1010.883.718
- Peppol ID
- 0208:1010883718
- Other Peppol ID
- 9925:BE1010883718
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 28-06-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of Junedeed of 02-07-2024 (in French)
- Peppol
- Reachable since 10-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- AC in French
- Name in the Peppol Directory
- CIAO BELLA
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 02-07-2024 (in French)
Activities
NACEBEL 2025VAT activities
56111
Full-service restaurants main activity
56210
Event catering
Social security (RSZ) activities
56112
Limited-service restaurants, excluding mobile food services main activity
Joint committees annual accounts 2025
JC 302
Hotels and catering
Codes under NACEBEL 2008
VAT activities
56101
Full-service restaurants main activity
56102
Limited-service restaurants
56210
Catering
Social security (RSZ) activities
56102
Limited-service restaurants main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes activités de sociétés holding,notamment:la détention à long terme d’actions émanant de plusieurs autres entreprises classées en…”deed of 02-07-2024 (in French)
8 activities
- Toutes activités de sociétés holding,notamment:la détention à long terme d’actions émanant de plusieurs autres entreprises classées en majorité dans le secteur financier,le contrôle des décisions des filiales de ces sociétés via le droit de vote lié aux actions,afin de maximaliser les revenus de leur portefeuille;les activités des sociétés de portefeuille
- La société peut également intervenir dans la gestion journalière,la représentation des entreprises concernées sur base de la possession ou du contrôle du capital
- Toutes activités en rapport direct ou indirect avec la restauration en général et le secteur Horeca
- L'exploitation de restaurants,épicerie,cafétérias,débits de boissons,ainsi que toutes opérations de tourisme,d'hôtellerie,de divertissements et de loisirs
- L'exploitation,sous sa propre enseigne ou par voie de franchise ou licence de tout snack bar,cafétéria,sandwicherie,service de cuisine rapide ou de petite restauration,de tout service traiteur et/ou d'un ou plusieurs restaurants,ainsi que la livraison à domicile et la vente ambulante
- L'importation et l'exportation de tous produits se rapportant à l'objet de la société
- La franchise de tout ou partie des activités mentionnées ci-avant
- La gestion de franchises
Registered office and establishments
1 establishment| Establishment | Since | Unit number | FASFC approval |
|---|---|---|---|
| Avenue de Philippeville 221 registered office 6001 Charleroi 5611101 Full-service restaurants | 01-07-2024 | 2.361.393.140 | Restaurant |
Buildings and parcels at the address
- Ground area
- 316 m²
- Buildings
- 150 m²
- Volume, LiDAR
- 2,011 m³
- Tallest building
- 15.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 52045A0565/00R005 | 316 m² | 1 · 149 m² | 14.9 m · 5 |
Recognitions
Food safety, FASFC
1 siteCharleroiunit number 2.361.393.140