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ACD-PLAFONDS

Active
Private limited companyfounded 200620 years activeTabakvest 71, 2000 Antwerpen, BelgiumKBO/BCE: BE 0878.817.030
Summary

ACD-PLAFONDS has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32,013 and a net result of €40,464. Equity is shrinking by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 14% of 33,994 sector peers (NACE 43, fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Overview

Activity
Other building finishing work
NACE 43350
3 sites
Size
€304,847total assets 2025
Equity
€32,013
Profit
€40,464
Turnover not published (abridged schema)
Financial health
65 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.0%
Structure
Accounts filed 31 days late0 of 10 deeds read
Why 65- Sector Specialised construction activities (NACE 43)- Latest accounts 31 days late; 1 of the last 3 late+ Size: total assets €304,847+ Founded in 2006Show the evidence

Checked score

Score 2025
65 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 26% of its sector peers (NACE 43, micro)
Financial strength · tick = 2024
Weak
Solvency 36-9
equity 10.5% of total assets
Liquidity 16-12
short-term debt 77.6% · cash 6.2%
Profitability 85+8
return on assets 13.3%
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,518 companies)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024lowest value 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.5%▲ +0.1 percentage points vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.6%▲ +0.1 percentage points vs 06-2025 08-2025: 1.0%▲ +0.4 percentage points vs 07-2025 09-2025: 0.5%▼ -0.5 percentage points vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 1.0%▲ +0.5 percentage points vs 07-2026highest value 09-2026: 1.0%● unchanged vs 08-2026 10-2026: 1.0%● unchanged vs 09-2026
Credit up to €2,000 at 30 days acceptable
Liquidity short (current ratio 1.0 against 1.43 in 2024; short-term debt: 77.6% and cash: 6.2% of total assets), and 89.5% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 43, micro): better than 14% on solvency, 9% on liquidity, 69% on profitability and 12% on growth.

The bankruptcy probability was computed on 07-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
−lowers risk+raises risk○neutral
raises risk · Sector Specialised construction activities (NACE 43)
KBO
raises risk · Latest accounts 31 days late; 1 of the last 3 late
NBB · filings
lowers risk · Size: total assets €304,847
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 2006
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 33994 sector peers (2025).
NBB · sector comparison
Position among 33994 sector peers
Solvency
better than 14%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 filings
Deviation from the deadline
2025
31 days late
2024
6 days late
2023
1 day early
2022
3 days late
2021
41 days early
2020
30 days early
2019
57 days early
← 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 13 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 3 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Caution: Among the weakest 15% on solvencysector median 47.1% · 33,994 companies 10.5% View
  • Positive: 8 profitable years in a rowprofit 2025: €40,464 8 years View
  • Total assets 20256 fiscal years filed €304,847 View

By topic

Financials

Fiscal year
2025
Total assets
€304,847
Profit
€40,464
Solvency
10.5%
Total assets▲ 21.4%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 03-08-2023Annual accounts filed
  2. 31-12-2022Weakest financial year
  3. 20-06-2022Annual accounts filed
Go to Timeline

Company details

Sites
3
Legal form
Private limited company
Activity
Other building finishing workNACE 43350
Founded
03-01-2006
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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