AC Concept
ActiveSummary
AC Concept has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.3m and a net result of €1.7m. Equity is growing by ~44.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 11472 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190,000 at 30 days acceptable
Liquidity ample (current ratio 16.68 against 7.52 in 2024; short-term debt: 1.3% and cash: 6.7% of total assets), and 1.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.5%
Return on assets
74%
Age of the figures
12 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-04-2026, 12 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
12 d early
2024
28 d late
2023
21 d early
2022
11 d late
2021
on the day
2020
10 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€2.3m▲ 280%
2024 · €607,976
Total assets
€2.3m▲ 255%
2024 · €661,746
Net result
€1.7m▲ 798%
2024 · €193,683
Working capital
€495,233▲ 47.4%
2024 · €335,879
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€67,028▲ 135%€110,432▲ 64.8%€96,410▼ 12.7%€122,689▲ 27.3%€57,416▼ 53.2%
Net result€99,081above the sector's middle half▲ 120%€70,624above the sector's middle half▼ 28.7%€102,942above the sector's middle half▲ 45.8%€193,683above the sector's middle half▲ 88.1%€1.7mabove the sector's middle half▲ 798%
Equity€240,726above the sector's middle half▲ 70.0%€311,351above the sector's middle half▲ 29.3%€414,293above the sector's middle half▲ 33.1%€607,976above the sector's middle half▲ 46.8%€2.3mabove the sector's middle half▲ 280%
Total assets€363,363within the sector's middle half▲ 2.5%€404,687within the sector's middle half▲ 11.4%€475,737above the sector's middle half▲ 17.6%€661,746above the sector's middle half▲ 39.1%€2.3mabove the sector's middle half▲ 255%
Debt€122,636▼ 42.4%€93,337▼ 23.9%€61,444▼ 34.2%€53,770▼ 12.5%€35,941▼ 33.2%
Working capital€9,297€72,386▲ 679%€169,712▲ 134%€335,879▲ 97.9%€495,233▲ 47.4%
Solvency66.2%above the sector's middle half▲ 26.3pp76.9%above the sector's middle half▲ 10.7pp87.1%above the sector's middle half▲ 10.1pp91.9%above the sector's middle half▲ 4.8pp98.5%above the sector's middle half▲ 6.6pp
Staff (FTE)0
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 53% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.3m
Fixed assets
€1.8m ▲ 564%
Current assets
€526,807 ▲ 36.0%
Equity and liabilities €2.3m
Equity
€2.3m ▲ 280%
Debt
€35,941 ▼ 33.2%
Debt's share of the balance-sheet total falls from 8.1% to 1.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75,931▼
2024 · €141,204
Cash flow
€1.8m▲
2024 · €212,198
Current ratio
16.68▲
2024 · 7.52
Debt to equity
0.02▼
2024 · 0.09
ROE
75.2%▲
2024 · 31.9%
ROA
74.0%▲
2024 · 29.3%
Interest coverage
32.99▼
2024 · 53.09
Debt ≤ 1 year
€31,574▼
2024 · €51,495
Income taxes
€34,709▼
2024 · €51,388
Staff costs
€108
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | - | €108 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €24,963 | €14,094 | €8,408 | €18,515 | €18,515 | = |
| Other operating charges640/8 | €1,038 | €664 | €663 | €355 | €864 | ▲ 144% |
| Gross operating margin9900 | €93,029 | €125,190 | €105,481 | €141,559 | €76,903 | ▼ 45.7% |
| Operating profit (loss)9901 | €67,028 | €110,432 | €96,410 | €122,689 | €57,416 | ▼ 53.2% |
| Financial income75/76B | €62,105 | €1,387 | €45,205 | €125,042 | €1.7m | ▲ 1,274% |
| Recurring financial income75 | €62,105 | €1,387 | €45,205 | €125,042 | €1.7m | ▲ 1,274% |
| Financial charges65/66B | €3,857 | €5,194 | €2,494 | €2,659 | €2,301 | ▼ 13.5% |
| Recurring financial charges65 | €3,857 | €5,194 | €2,494 | €2,659 | €2,301 | ▼ 13.5% |
| Profit (loss) for the period before taxes9903 | €125,276 | €106,625 | €139,121 | €245,071 | €1.8m | ▲ 624% |
| Income taxes67/77 | €26,195 | €36,000 | €36,179 | €51,388 | €34,709 | ▼ 32.5% |
| Profit (loss) for the period9904 | €99,081 | €70,624 | €102,942 | €193,683 | €1.7m | ▲ 798% |
| Transfer from tax-exempt reserves789 | - | €6,500 | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €99,081 | €77,124 | €102,942 | €193,683 | €1.7m | ▲ 798% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €363,363 | €404,687 | €475,737 | €661,746 | €2.3m | ▲ 255% |
| Fixed assets21/28 | €278,870 | €264,776 | €256,368 | €274,372 | €1.8m | ▲ 564% |
| Tangible fixed assets22/27 | €45,380 | €31,286 | €22,877 | €40,882 | €22,367 | ▼ 45.3% |
| Land and buildings22 | €0 | - | - | - | - | - |
| Plant, machinery and equipment23 | €1,178 | €941 | €764 | €527 | €290 | ▼ 44.9% |
| Furniture and vehicles24 | €44,202 | €30,344 | €22,114 | €40,355 | €22,077 | ▼ 45.3% |
| Financial fixed assets28 | €233,490 | €233,490 | €233,490 | €233,490 | €1.8m | ▲ 671% |
| Current assets29/58 | €84,493 | €139,912 | €219,370 | €387,374 | €526,807 | ▲ 36.0% |
| Amounts receivable within one year40/41 | €26,970 | €94,286 | €104,270 | €229,252 | €362,926 | ▲ 58.3% |
| Trade receivables40 | €26,063 | €30,281 | €40,102 | €65,252 | €7,635 | ▼ 88.3% |
| Other amounts receivable41 | €908 | €64,005 | €64,168 | €164,000 | €355,291 | ▲ 117% |
| Cash at bank and in hand54/58 | €55,363 | €42,674 | €109,223 | €150,801 | €157,223 | ▲ 4.3% |
| Deferred charges and accrued income490/1 | €2,159 | €2,952 | €5,876 | €7,321 | €6,659 | ▼ 9.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €363,363 | €404,687 | €475,737 | €661,746 | €2.3m | ▲ 255% |
| Equity10/15 | €240,726 | €311,351 | €414,293 | €607,976 | €2.3m | ▲ 280% |
| Contributions10/11 | €6,205 | €6,205 | €6,205 | €6,205 | €6,205 | = |
| Reserves13 | €185,226 | €255,850 | €358,792 | €552,475 | €691,222 | ▲ 25.1% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Tax-exempt reserves132 | €6,500 | €0 | - | - | - | - |
| Distributable reserves133 | €176,866 | €253,990 | €358,792 | €552,475 | €691,222 | ▲ 25.1% |
| Profit (loss) carried forward14 | €49,295 | €49,295 | €49,295 | €49,295 | €1.6m | ▲ 3,178% |
| Amounts payable17/49 | €122,636 | €93,337 | €61,444 | €53,770 | €35,941 | ▼ 33.2% |
| Amounts payable after more than one year17 | €45,881 | €24,778 | €9,125 | €0 | - | - |
| Financial debts170/4 | €45,881 | €24,778 | €9,125 | €0 | - | - |
| Amounts payable within one year42/48 | €75,196 | €67,525 | €49,658 | €51,495 | €31,574 | ▼ 38.7% |
| Current portion of amounts payable after more than one year42 | €36,338 | €20,810 | €12,974 | €9,125 | €0 | ▼ 100% |
| Trade debts44 | €3,020 | €2,541 | €2,939 | €2,965 | €4,367 | ▲ 47.3% |
| Suppliers440/4 | €3,020 | €2,541 | €2,939 | €2,965 | €4,367 | ▲ 47.3% |
| Taxes, remuneration and social security45 | €11,195 | €13,414 | €4,729 | €11,033 | €2,330 | ▼ 78.9% |
| Taxes450/3 | €11,195 | €13,414 | €4,729 | €11,033 | €2,330 | ▼ 78.9% |
| Other amounts payable47/48 | €24,644 | €30,761 | €29,017 | €28,373 | €24,877 | ▼ 12.3% |
| Accrued charges and deferred income492/3 | €1,560 | €1,033 | €2,662 | €2,275 | €4,368 | ▲ 92.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €99,081 | €70,624 | €102,942 | €193,683 | €1.7m | ▲ 798% |
| + Depreciation and write-downs630 | €24,963 | €14,094 | €8,408 | €18,515 | €18,515 | = |
| Operating cash flow (approximation) | €124,045 | €84,719 | €111,351 | €212,198 | €1.8m | ▲ 728% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€36,520 | -€1.6m | ▼ 4,189% |
| Change in cash | - | -€12,690 | €66,550 | €41,577 | €6,422 | ▼ 84.6% |
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
Next filing, fiscal year 2026, expected by
2026
18-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €1.7m ▲798%
Net result €1.7m, the highest in the series.
30-09
Financial
Liquidity doublescurrent ratio 16.68
Current ratio from 7.52 to 16.68; short-term debt falls from €51,495 to €31,574.
30-09
Financial
Equity above €2mEq €2.3m ▲280%
8 profitable years in a row build equity to €2.3m.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-09
Financial
Equity above €500,000Eq €607,976 ▲46.8%
7 profitable years in a row build equity to €607,976.
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity doublescurrent ratio 4.42
Current ratio from 2.07 to 4.42; short-term debt falls from €67,525 to €49,658.
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
30-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity doublescurrent ratio 1.12
Current ratio from 0.54 to 1.12; short-term debt falls from €97,085 to €75,196.
30-09
Financial
Equity above €200,000Eq €240,726 ▲70%
4 profitable years in a row build equity to €240,726.
Show earlier events
20-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €100,000Eq €141,645 ▲45.4%
3 profitable years in a row build equity to €141,645.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €18,345 ▼8.4%
Net result drops to €18,345, the lowest in the series; recovery starts the following year.
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Kampenhout · 1 establishment unit since 1999
Ground area
2,407 m²
Building footprint
285 m²
Volume, LiDAR
1,496 m³
2 parcels, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AL CONCEPT
since 19992.091.487.472
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23008D0640/00K000 | Flanders | 1,783 m² | 1 · 139 m² | 7.1 m · 2 fl. |
| 23008D0367/00E002 | Flanders | 625 m² | 1 · 146 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,136 companies in sector 46130 we hold annual accounts for 646. 220 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-04-1999
Fiscal year end30-09
Activities, NACEBEL 2025
46130Agents in the wholesale of timber and building materials
E-invoicing
Reachable via Peppol
Peppol ID
0208:0465789941
Registered
24-02-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.