ACL Consult
ActiveSummary
ACL Consult has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €453,152 and a net result of €25,506. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 35% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability38▼-40
Solvency45▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21,000 at 30 days acceptable
Liquidity ample (current ratio 1.94 against 2.81 in 2023; short-term debt: 43.1% and cash: 0% of total assets), but 79.5% of the assets are financed with debt.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
71 d late
2022
88 d late
2021
31 d early
2020
30 d late
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 21 days after 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 (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€453,152▲ 6.0%
2023 · €427,645
Total assets
€2.2m▲ 27.6%
2023 · €1.7m
Net result
€25,506▼ 81.1%
2023 · €135,043
Working capital
€892,371▲ 2.2%
2023 · €873,551
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€4,602€4,685€56,799▲ 1,112%€206,114▲ 263%€90,995▼ 55.9%
Net result-€10,784below the sector's middle half-€907within the sector's middle half▲ 91.6%€33,839above the sector's middle half€135,043above the sector's middle half▲ 299%€25,506within the sector's middle half▼ 81.1%
Equity€259,670above the sector's middle half▼ 4.0%€258,763above the sector's middle half▼ 0.3%€292,602above the sector's middle half▲ 13.1%€427,645above the sector's middle half▲ 46.2%€453,152above the sector's middle half▲ 6.0%
Total assets€505,464above the sector's middle half▼ 15.1%€454,496above the sector's middle half▼ 10.1%€718,089above the sector's middle half▲ 58.0%€1.7mabove the sector's middle half▲ 141%€2.2mabove the sector's middle half▲ 27.6%
Debt€245,793▼ 24.4%€195,733▼ 20.4%€425,487▲ 117%€1.3m▲ 207%€1.8m▲ 34.7%
Working capital€20,572within the sector's middle half▼ 45.8%€15,885within the sector's middle half▼ 22.8%€266,633above the sector's middle half▲ 1,578%€873,551above the sector's middle half▲ 228%€892,371above the sector's middle half▲ 2.2%
Solvency51.4%within the sector's middle half▲ 6.0pp56.9%within the sector's middle half▲ 5.6pp40.7%within the sector's middle half▼ 16.2pp24.7%within the sector's middle half▼ 16.1pp20.5%within the sector's middle half▼ 4.2pp
Current ratio1.32within the sector's middle half▲ 0.021.52within the sector's middle half▲ 0.205.68above the sector's middle half▲ 4.162.81within the sector's middle half▼ 2.871.94within the sector's middle half▼ 0.87
Return on assets (ROA)-2.1%within the sector's middle half▼ 14.7pp-0.2%within the sector's middle half▲ 1.9pp4.7%within the sector's middle half▲ 4.9pp7.8%within the sector's middle half▲ 3.1pp1.2%within the sector's middle half▼ 6.6pp
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 2024; 2024 is 56% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.2m
Fixed assets
€366,913 ▼ 2.6%
Current assets
€1.8m ▲ 36.0%
Equity and liabilities €2.2m
Equity
€453,152 ▲ 6.0%
Debt
€1.8m ▲ 34.7%
Debt's share of the balance-sheet total rises from 75.3% to 79.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€108,405▼
2023 · €223,930
Cash flow
€42,917▼
2023 · €152,859
Quick ratio
0.51▼
2023 · 0.59
Debt to equity
3.88▲
2023 · 3.05
ROE
5.6%▼
2023 · 31.6%
Interest coverage
2.08▼
2023 · 7.76
Debt ≤ 1 year
€952,453▲
2023 · €482,861
Debt > 1 year
€806,132▼
2023 · €822,542
Income taxes
€13,336▼
2023 · €42,245
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,372 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.9%
went bankrupt
1.4%
stopped otherwise
97%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,372 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,612 | €19,214 | €18,293 | €17,816 | €17,410 | ▼ 2.3% |
| Other operating charges640/8 | - | €609 | €2,290 | €390 | €3,725 | ▲ 855% |
| Gross operating margin9900 | €15,131 | €24,508 | €77,382 | €224,320 | €112,130 | ▼ 50.0% |
| Operating profit (loss)9901 | -€4,602 | €4,685 | €56,799 | €206,114 | €90,995 | ▼ 55.9% |
| Financial income75/76B | - | €292 | €629 | €12 | €2 | ▼ 84.4% |
| Recurring financial income75 | - | €292 | €629 | €12 | €2 | ▼ 84.4% |
| Financial charges65/66B | - | €5,616 | €12,058 | €28,839 | €52,154 | ▲ 80.8% |
| Recurring financial charges65 | €6,003 | €5,616 | €12,058 | €28,839 | €52,154 | ▲ 80.8% |
| Profit (loss) for the period before taxes9903 | -€10,605 | -€639 | €45,371 | €177,288 | €38,842 | ▼ 78.1% |
| Income taxes67/77 | €179 | €268 | €11,531 | €42,245 | €13,336 | ▼ 68.4% |
| Profit (loss) for the period9904 | -€10,784 | -€907 | €33,839 | €135,043 | €25,506 | ▼ 81.1% |
| Profit (loss) for the period to be appropriated9905 | -€10,784 | -€907 | €33,839 | €135,043 | €25,506 | ▼ 81.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €505,464 | €454,496 | €718,089 | €1.7m | €2.2m | ▲ 27.6% |
| Fixed assets21/28 | €419,871 | €407,863 | €394,453 | €376,637 | €366,913 | ▼ 2.6% |
| Tangible fixed assets22/27 | €419,871 | €407,863 | €394,453 | €376,637 | €365,413 | ▼ 3.0% |
| Land and buildings22 | - | €395,786 | €381,217 | €366,683 | €352,429 | ▼ 3.9% |
| Plant, machinery and equipment23 | - | €8,739 | €9,155 | €7,209 | €5,662 | ▼ 21.5% |
| Furniture and vehicles24 | - | €3,339 | €4,080 | €2,745 | €7,323 | ▲ 167% |
| Financial fixed assets28 | - | - | - | - | €1,500 | - |
| Current assets29/58 | €85,593 | €46,633 | €323,637 | €1.4m | €1.8m | ▲ 36.0% |
| Stocks and contracts in progress3 | - | - | €239,851 | €1.1m | €1.4m | ▲ 26.5% |
| Stocks30/36 | - | - | €239,851 | €1.1m | €1.4m | ▲ 26.5% |
| Amounts receivable within one year40/41 | €39,784 | €3,742 | €60,756 | €200,978 | €488,742 | ▲ 143% |
| Trade receivables40 | - | €564 | €60,756 | €193,223 | €155,107 | ▼ 19.7% |
| Other amounts receivable41 | - | €3,178 | €0 | €7,755 | €333,634 | ▲ 4,202% |
| Cash at bank and in hand54/58 | €45,808 | €42,892 | €23,030 | €83,659 | €15 | ▼ 100.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €505,464 | €454,496 | €718,089 | €1.7m | €2.2m | ▲ 27.6% |
| Equity10/15 | €259,670 | €258,763 | €292,602 | €427,645 | €453,152 | ▲ 6.0% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | - | - | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €239,210 | €238,303 | €272,142 | €407,185 | €432,692 | ▲ 6.3% |
| Amounts payable17/49 | €245,793 | €195,733 | €425,487 | €1.3m | €1.8m | ▲ 34.7% |
| Amounts payable after more than one year17 | €180,772 | €164,985 | €368,484 | €822,542 | €806,132 | ▼ 2.0% |
| Financial debts170/4 | - | €164,985 | €368,484 | €822,542 | €806,132 | ▼ 2.0% |
| Amounts payable within one year42/48 | €65,021 | €30,748 | €57,003 | €482,861 | €952,453 | ▲ 97.3% |
| Current portion of amounts payable after more than one year42 | - | €15,787 | €16,688 | €16,010 | €144,672 | ▲ 804% |
| Financial debts43 | - | - | - | - | €103 | - |
| Credit institutions430/8 | - | - | - | - | €103 | - |
| Trade debts44 | €7,809 | €1,275 | €9,265 | €166,348 | €158,696 | ▼ 4.6% |
| Suppliers440/4 | - | €1,275 | €9,265 | €166,348 | €158,696 | ▼ 4.6% |
| Advances received on contracts in progress46 | - | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | - | €13,686 | €29,826 | €14,830 | €10,712 | ▼ 27.8% |
| Taxes450/3 | - | €13,686 | €29,826 | €14,830 | €10,712 | ▼ 27.8% |
| Other amounts payable47/48 | - | €0 | €1,224 | €285,673 | €638,270 | ▲ 123% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€10,784 | -€907 | €33,839 | €135,043 | €25,506 | ▼ 81.1% |
| + Depreciation and write-downs630 | €17,612 | €19,214 | €18,293 | €17,816 | €17,410 | ▼ 2.3% |
| Operating cash flow (approximation) | €6,828 | €18,307 | €52,132 | €152,859 | €42,917 | ▼ 71.9% |
| Investment in fixed assets (approximation) | - | -€7,206 | -€4,882 | €0 | -€7,687 | - |
| Change in cash | - | -€2,917 | -€19,861 | €60,628 | -€83,644 | ▼ 238% |
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
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 71 days late
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
2022
31-12
Financial
Back to profitnet €33,839
Net result €33,839 after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 5.68
Current ratio from 1.52 to 5.68.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet -€10,784
Net result drops to -€10,784, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 1.30
Current ratio from 0.64 to 1.30.
31-12
Financial
Equity above €200,000Eq €270,454 ▲38.2%
2 profitable years in a row build equity to €270,454.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro 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
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Hove · 1 establishment unit since 2017
Ground area
1,256 m²
Building footprint
178 m²
Volume, LiDAR
891 m³
Parcel 11021B0013/00A003, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
ACL Consult
since 20172.263.812.823
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021B0013/00A003 | Flanders | 1,255 m² | 1 · 178 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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Company details
Identification
Legal formPrivate limited company
Founded14-03-2017
Fiscal year end31-12
Activities, NACEBEL 2025
46370Wholesale trade
73200Market research and public opinion polling
E-invoicing
Reachable via Peppol
Peppol ID
0208:0672687377
Also
9925:BE0672687377
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.