AC TEAM
ActiveThe computed 12-month bankruptcy probability of AC TEAM is 2.4% (moderate). The 2024 annual accounts show equity of €74k and a net result of €27k. Equity is growing by ~55.3% per year across the filed fiscal years. Its solvency ranks better than 85% of 36373 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2024
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Track record86
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.94 against 3.98 in 2023; short-term debt: 20.3% and cash: 13.7% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
53 d late
2022
129 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address strikeout annulled
Financials · fiscal year 2024, micro schema
Equity
€74k▲ 58.7%
2023 · €47k
2022: €22k
2023: €47k
2022 → 2024
Total assets
€93k▲ 49.7%
2023 · €62k
2022: €143k
2023: €62k
2022 → 2024
Net result
€27k▲ 13.1%
2023 · €24k
2022: €20k
2023: €24k
2022 → 2024
Working capital
€74k▲ 61.1%
2023 · €46k
2022: €21k
2023: €46k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€22k-€47k▲ 108%€74k▲ 58.7%
Operating result€27k-€33k▲ 21.1%€35k▲ 6.7%
Net result€20k-€24k▲ 18.5%€27k▲ 13.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 7% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €93k
Equity
€74k▲ 58.7%
Debt
€19k▲ 22.1%
The debt ratio falls from 24.8% to 20.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€36k▲
2023 · €34k
Cash flow
€28k▲
2023 · €25k
Solvency
79.7%▲
2023 · 75.2%
Current ratio
4.94▲
2023 · 3.98
Quick ratio
4.94▲
2023 · 3.98
Debt / equity
0.25▼
2023 · 0.33
ROE
37.0%▼
2023 · 51.9%
ROA
29.5%▼
2023 · 39.0%
Interest coverage
64.57▲
2023 · 28.68
Debt
€19k▲
2023 · €15k
Debt ≤ 1 year
€19k▲
2023 · €15k
Income taxes
€9k▲
2023 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€62k€93k▲
Fixed assets21/28€684-
Tangible fixed assets22/27€684-
Furniture and vehicles24€684-
Current assets29/58€61k€93k▲
Amounts receivable within one year40/41€43k€80k▲
Trade receivables40€23k€31k▲
Other amounts receivable41€19k€49k▲
Cash at bank and in hand54/58€19k€13k▼
Equity and liabilities
Total equity and liabilities10/49€62k€93k▲
Equity10/15€47k€74k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€45k€72k▲
Amounts payable17/49€15k€19k▲
Amounts payable within one year42/48€15k€19k▲
Taxes, remuneration and social security45€15k€19k▲
Taxes450/3€15k€19k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€693€684▼
Other operating charges640/8€1k-
Gross operating margin9900€35k€36k▲
Operating profit (loss)9901€33k€35k▲
Financial income75/76B€922€2k▲
Recurring financial income75€922€2k▲
Financial charges65/66B€1k€554▼
Recurring financial charges65€1k€554▼
Profit (loss) for the period before taxes9903€33k€37k▲
Income taxes67/77€8k€9k▲
Profit (loss) for the period9904€24k€27k▲
Profit (loss) for the period to be appropriated9905€24k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€72k▲
Profit (loss) brought forward from the previous period14P€20k€45k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
20-06
KBO administration
Address strikeout annulled
2024
31-12
Financial
Highest result since 2022net €27k ▲13.1%
Operating result €35k, net result €27k, both a record.
22-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 53 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 3.98
Current ratio from 1.17 to 3.98; short-term debt falls from €121k to €15k.
07-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 129 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Destelbergen
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.
Palingstraat 269070 DestelbergenGround area
2,907 m²
Building footprint
240 m²
Volume, LiDAR
952 m³
Parcel 44333G0323/00T002, Flanders · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44333G0323/00T002 | Flanders | 2,907 m² | 1 · 240 m² | 5.9 m · 1 fl. |
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.
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BE 0803.894.428
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JPTC
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CAMI MARIO
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,239 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2021
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43995Specialised construction activities
71111Activities of building architects
93199Other sports activities
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.