Equity
€2.3m ▲ 280%
AC Concept has made a profit without a break since 2016.
AC Concept
Lifetime
20 annual accounts with figures on one time axis, 26 filings since 2000peak €141,559 (2024)
€76,903▼ 45.7%
lowest -€6,232 (2007)
€1.7m▲ 798%
peak €2.3m (2025)
€2.3m▲ 280%
€35,941▼ 33.2%
Board1 name since 1999
1 directorCUVELIER André
Documentsfilings and deeds
18-04-202612 days before the deadline
2025micro format
Gross margin from €141,559 to €76,903Result from €193,683 to €1.7mDividend €33,527Equity from €607,976 to €2.3mDebts from €53,770 to €35,941Investments €1.6m
Key points
from the 2025 annual accountsResult
€1.7m ▲ 798%
The result rose in 2025 from €193,683 to €1.7m.
Turnover
≈ €360,000 estimated
The micro format states no turnover.
Liquidity
16.68 was 7.52 in 2024
Short-term debts fell from €51,495 to €31,574.
Filings
26 annual accounts since 2000
Two of the last ten came late. The 2024 accounts came latest: 28 days after the end of the period.
Position in the sector
98.5%
Higher solvency than 95% of companies in wholesale trade. Sector median 40.4% · 13,807 companies.
Checked score
99
Excellent
Financially stronger than 91% of small companies in wholesale trade (NACE 46)
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: 0.2% across 4,374 companies (NACE 46, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: 0.1%▲ +0.1 percentage points vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025highest value
07-2025: < 0.1%▼ -0.1 percentage points vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025lowest value
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Founded in 1999
Size: total assets €2.3m
Equity €2.3m (98.5% of total assets)
Figures for financial year 2025 (filed on 22-04-2026)
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 46, small). It does better than 92% of them on solvency, 77% on liquidity, 99% on profitability and 98% on growth.
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 30-09-2025.
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 €220,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 16.68 (7.52 in 2024), above the usual 1.5. Short-term debt is 1.3% and cash 6.7% of total assets. 1.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 days early
2024
28 days late
2023
21 days early
2022
11 days late
2021
on the day
2020
10 days early
2019
on the day
← 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 1 day before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 30 April (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
30-09-2026 year end11-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0465789941
Resignation: CUVELIER André (manager)
Reappointment: CUVELIER André (director) · Director discharge: CUVELIER André · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 13-03-2023 · Gazette deed
Permanent representative: André Cuvelier
General meeting of 18-05-2019 · Gazette deed
First establishment
AL CONCEPT, Fazantendal 21, Kampenhout
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AC Concept Kampenhout | €2.3m | €76,903 | 98.5% | - |
| WING INTERNATIONAL Herent | €1.6m | €41,489 | 58.6% | - |
| CERATECH Soumagne | €2.0m | €142,960 | 64.5% | 0.3 |
| OELAFONY Maasmechelen | €1.6m | €81,941 | 88.1% | - |
| CLAES INVEST Herk-de-Stad | €2.1m | €130,048 | 66.7% | - |
| KANOMECO Bilzen-Hoeselt | €1.2m | €85,344 | 37.7% | - |
| MATIMAT Heusden-Zolder | €3.7m | €153,043 | 97.2% | - |
These companies have the same main activity as AC Concept: agents in the wholesale of timber and building materials (NACE 46130). They are comparable in size and age: total assets between €1.2m and €3.7m, founded between 1992 and 2007.
Official details
Source: KBO- Status
- Active since 06-04-1999Normal situation
- Activity
- Agents in the wholesale of timber and building materialsNACE 46130
- Establishment unit
- 2.091.487.4721910 Kampenhout, since 30-06-1999
- Financial year end
- 30 September
- Peppol
- Reachable since 24-02-2025
Annual accounts to 30-09-2025
- €2.3m▲ 255%
- Filing
- Filed on 18-04-2026, 12 days before the end of the filing period
Insights on AC Concept
AC Concept files the micro format. That format states no turnover. The gross margin rose from €23,477 in 2006 to €76,903 in 2025.
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 AC Concept
- What is the company number of AC Concept?
- The company number of AC Concept is 0465.789.941. The VAT number is the same number with BE in front: BE 0465.789.941.
- Where is AC Concept based?
- The registered office is at Lemmekenstraat 35, 1910 Kampenhout.Company details
- What does AC Concept do?
- According to the KBO register, the main activity is agents in the wholesale of timber and building materials (NACE 46130).
- What is the legal form of AC Concept?
- AC Concept is a private limited company (BV).
- When was AC Concept founded?
- AC Concept was founded on 06-04-1999.
- Is AC Concept still active?
- Yes, AC Concept is an active enterprise in the KBO register.
- What is the turnover of AC Concept?
- The turnover in financial year 2025 is ≈ €360,000. This figure is estimated from the gross margin of €76,903 and 30 comparable companies (NACE 461). It probably lies between €180,000 and €840,000.Financials
- Is AC Concept profitable?
- In financial year 2025, AC Concept made a profit of €1.7m.
- Where can I find the annual accounts of AC Concept?
- AC Concept filed 26 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of AC Concept due?
- AC Concept must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
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