Turnover
≈ €430,000 estimated
The micro format states no turnover.
ACM CONSTRUCT
Overview
Lifetime
1 annual account with figurespeak €130,272 (2025)
€130,272
peak €42,603 (2025)
€42,603
peak €44,103 (2025)
€44,103
€22,821
Board2 names since 2024
2 directorsHARBICKI Arnaud Ludovic and 1 other
Documentsfilings and deeds
29-06-202632 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsBoard
1 left
A director left. Latest change 06-05-2026 · 1 in office.
Position in the sector
€42,603
Higher net result than 83% of companies in specialised construction. Sector median €10,189 · 35,107 companies.
Checked score
54
Fair
Financially stronger than 67% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
10-2025: 1.9%lowest value
11-2025: 1.9%● unchanged vs 10-2025lowest value
12-2025: 1.9%● unchanged vs 11-2025
01-2026: 2.3%▲ +0.4 percentage points vs 12-2025
02-2026: 2.4%▲ +0.1 percentage points vs 01-2026
03-2026: 2.7%▲ +0.3 percentage points vs 02-2026
04-2026: 2.7%● unchanged vs 03-2026
05-2026: 3.0%▲ +0.3 percentage points vs 04-2026
06-2026: 5.2%▲ +2.2 percentage points vs 05-2026highest value
07-2026: 2.5%▼ -2.7 percentage points vs 06-2026
08-2026: 2.5%● unchanged vs 07-2026
09-2026: 2.5%● unchanged vs 08-2026
10-2026: 2.5%● unchanged vs 09-2026
11-2026: 2.5%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Size: total assets €66,924
1 change of registered office in 24 months
lowers risk
Figures for financial year 2025 (filed on 29-06-2026)
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 43, micro). It does better than 72% of them on solvency, 38% on liquidity and 92% on profitability.
The bankruptcy probability was computed on 08-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as ACM CONSTRUCT has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ACM CONSTRUCT itself is higher: 2.5% within 12 months. It rests on far more data about ACM CONSTRUCT than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for ACM CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.53, above the usual 1.5. Short-term debt is 34.1% and cash 9.8% of total assets. 34.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
32 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered office moved from Visé to Juprelle
New registered office: Chaussée de Tongres, 358 boite A à 4450 JUPRELLE · Previous registered office: Rue des Recollets, 19A-4600 VISE · Resignation: HARBICKI Eric (director) · General meeting of 11-12-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1014008504
Incorporation
Founding capital of €1,500, 100 shares · Founder: HARBICKI Arnaud Ludovic · Appointments: HARBICKI Eric Walthère Fernand (director) and HARBICKI Arnaud Ludovic (director) · published on 26-09-2024 · Gazette deed
First establishment
Rue des Récollets 19, Visé
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ACM CONSTRUCT Juprelle | €66,924 | €130,272 | 65.9% | - |
| CHRIS ENERGY La Louvière | €70,584 | €109,405 | -16.4% | - |
| ARDOISE Waterloo | €69,398 | €158,652 | 4.3% | - |
| MAUX DE TOITURE Berchem-Sainte-Agathe | €55,708 | €119,929 | 22.0% | - |
| DELHAZE TOITURE Neupré | €82,694 | €92,062 | 53.0% | - |
| GLIBERT Bruno Ramillies | €66,071 | €129,850 | -100.1% | - |
| BLACK ROOF Hechtel-Eksel | €54,394 | €112,699 | 69.8% | - |
These companies have the same main activity as ACM CONSTRUCT: roofing work (NACE 43410). They are comparable in size and age: total assets between €54,400 and €82,700, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 24-09-2024Normal situation
- Activity
- Roofing workNACE 43410and 2 others
- Establishment unit
- 2.364.227.8174600 Visé, since 24-09-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 16-12-2025
Annual accounts 2025
- €130,272
- €42,603
- €44,103
- €66,924
- Employeeson 31-12-2025
- 2
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on ACM CONSTRUCT
The computed 12-month bankruptcy probability of ACM CONSTRUCT is 2.5% (moderate). The 2025 annual accounts show equity of €44,103 and a net result of €42,603.
Its solvency ranks better than 71% of 35,119 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 29-06-2026, 32 days before the deadline€130,272
€53,880
€42,603
€12,189
65.9%
1.53
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €430,000. Estimated: probably between €320,000 and €600,000.
Balance sheet
balance sheet total €66,924 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
65.9%
Higher than 71% of 35,119 companies in 2025.
1.53
Higher than 42% of 34,493 companies in 2025.
63.7%
Higher than 95% of 34,694 companies in 2025.
ACM CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Staff
€40,714
Staff costs divided by the average number of full-time equivalents.
+2 people
people who joined
people who left
In 2025, 3 people joined and 1 left. Training hours in 2025: 848.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
66,924 | |
21/28 |
31,914 | |
22/27 |
31,704 | |
23 |
14,732 | |
24 |
14,984 | |
25 |
1,989 | |
28 |
210 | |
29/58 |
35,010 | |
3 |
3,512 | |
30/36 |
3,512 | |
40/41 |
22,660 | |
40 |
14,415 | |
41 |
8,245 | |
54/58 |
6,538 | |
490/1 |
2,300 | |
| Balance sheet: equity and liabilities | ||
10/49 |
66,924 | |
10/15 |
44,103 | |
10/11 |
1,500 | |
14 |
42,603 | |
17/49 |
22,821 | |
42/48 |
22,821 | |
44 |
6,414 | |
440/4 |
6,414 | |
45 |
8,624 | |
450/3 |
1,045 | |
454/9 |
7,580 | |
47/48 |
7,783 | |
| Income statement | ||
9900 |
130,272 | |
62 |
65,142 | |
630 |
6,830 | |
640/8 |
4,420 | |
9901 |
53,880 | |
75/76B |
1 | |
75 |
1 | |
65/66B |
63 | |
65 |
63 | |
9903 |
53,818 | |
67/77 |
11,215 | |
9904 |
42,603 | |
9905 |
42,603 | |
| Appropriation of the result | ||
9906 |
42,603 | |
| Social balance sheet | ||
9087 |
1.6 | |
Hours worked1013 |
2,808 | |
| Document | ||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 29-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 29-06-2026 | 2026-00210120 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 60,710 | ||
| 49,433 | ||
| 38,744 | ||
| 12,189 | ||
| 65.9% | ||
| 1.53 | ||
| 1.38 | ||
| 0.52 | ||
| 96.6% | ||
| 63.7% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2025 |
|---|---|
| Employees at the balance-sheet date | 2 |
| full-time | 1 |
| part-time | 1 |
| in full-time equivalents | 1.6 |
| 1.6 | |
| On a permanent contract | 1 |
| Joined | 3 |
| Left | 1 |
| Training hours | 848 |
Source: social balance sheet in the 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €38,534 |
| Financial fixed assets | €210 |
| €6,830 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on ACM CONSTRUCT
Debt's share of the balance-sheet total is 34.1%.
Board & ownership
Board
1 director, no change since May 2026Director (not named in the articles)
since 23-09-2024
term without a fixed end
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “§2. Pouvoirs de représentation Si un seul administrateur est nommé, il représente la société vis-à-vis des tiers et au tribunal, comme…”deed of 26-09-2024
Mandates through the years
2 names, the dashed line is todayHARBICKI Arnaud Ludovic
Director (not named in the articles)
Director (not named in the articles)
HARBICKI Eric Walthère Fernand
Director (not named in the articles)
Director (not named in the articles)
BoardEarlier
Mandates as a list
- HARBICKI Arnaud Ludovic
- Director (not named in the articles), from 23-09-2024 to date
- HARBICKI Eric Walthère Fernand
- Director (not named in the articles), appointed by deed of 26-09-2024, until 06-05-2026
Control
Capital
- Contribution
- €1,500
- Shares
- 100
- Contribution per share
- €15
- Equity per share
- €441 in 2025
- Source
- deed of 26-09-2024
Articles of association
deed of 26-09-2024 (in French)- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Tous les actes, sauf ceux qui sont réservés à l'assemblée générale par la loi ou des statuts, peut donner des procurations spéciales à toute…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Thursday of June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 26-09-2024 ↗
- HARBICKI Arnaud Ludovic 100 shares (100%) · €1,500 in cash
Network & group
No group
ACM CONSTRUCT has no parent and no holdings in its annual accounts. HARBICKI Arnaud Ludovic is the only director. ACM CONSTRUCT shares no director with another company.
Timeline
Timeline
5 events since 2024Board
Filings
Establishments
Address
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 32 days before the deadline
Registered office moved from Visé to JuprelleNew registered office: Chaussée de Tongres, 358 boite A à 4450 JUPRELLE · Previous registered office: Rue des Recollets, 19A-4600 VISE · Resignation: HARBICKI Eric (director) · General meeting of 11-12-20254 points ▸
- General meeting, 11-12-2025
- Director resignation, HARBICKI Eric
- Power of attorney, HARBICKI Amaud
- Registered-office move, Chaussée de Tongres, 358 boite A à 4450 JUPRELLE
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1014008504
2024
IncorporationFounding capital of €1,500, 100 shares · Founder: HARBICKI Arnaud Ludovic · Appointments: HARBICKI Eric Walthère Fernand (director) and HARBICKI Arnaud Ludovic (director) · published on 26-09-20248 points ▸
- Founder, HARBICKI Arnaud Ludovic
- Founding capital, €1,500, 100 shares
- 100 shares
- Registered office clause, Rue des Récollets, 19/A, 4600 Visé
- Director appointment, HARBICKI Eric Walthère Fernand (director (not named in the articles))
- Director appointment, HARBICKI Arnaud Ludovic (director (not named in the articles))
- Power of attorney, HARBICKI Eric Walthère Fernand
- Power of attorney, HARBICKI Arnaud Ludovic
- The deed holds 1 more point.
First establishment Rue des Récollets 19, Visé
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
ACM CONSTRUCT was incorporated on 24 September 2024 as a private limited company by one natural person, with a starting capital of €1,500.12 The registered office was moved to Juprelle in 2026.3 Since 2024, HARBICKI Arnaud Ludovic has served as director.2
Company details
Identity
- Enterprise number
- 1014.008.504
- VAT number
- BE 1014.008.504
- Peppol ID
- 0208:1014008504
- Other Peppol ID
- 9925:BE1014008504
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 24-09-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Thursday of June at 18:00deed of 26-09-2024 (in French)
- Peppol
- Reachable since 16-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- ACM CONSTRUCT in French
- Entity type
- Legal entity
Activities
NACEBEL 2025VAT activities
43410
Roofing work main activity
43230
Insulation installation
Social security (RSZ) activities
43410
Roofing work main activity
Codes under NACEBEL 2008
43910
Specialised construction activities main activity
43291
Specialised construction activities
43991
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes activités et entreprises relevant de l’entreprise de travaux de toitures et de zinguerie en général, et plus particulièrement : tous…”deed of 26-09-2024 (in French)
14 activities
- Toutes activités et entreprises relevant de l’entreprise de travaux de toitures et de zinguerie en général, et plus particulièrement : tous travaux de couverture et de création, réalisation et pose de charpentes pour tous types de constructions, de zinguerie, de couvertures métalliques et travaux hydrofuges, d'étanchéité des constructions, le traitement des murs avec tous produits hydrofuges
- La pose de tous volets, tuiles, ardoises, matériaux de couverture et/ou de bardage des bâtiments
- Tous travaux d’isolation phonique, acoustique, énergétique ou de calorifugeage
- Le placement, l'entretien et la réparation de panneaux solaires et photovoltaïques, d’éoliennes et de tous autres dispositifs de récupération ou d’économie énergétique
- Le recouvrement de corniches
- Le placement d’enseignes lumineuses, d’antennes, de relais et de capteur de satellite
- Le placement de paratonnerre
- Le démoussage des toitures
- L’installation d’échafaudages
- Tous travaux d’étanchéité
- La pose de toutes buses et conduits notamment en inox
- La pose de tout dispositif d’évacuation des eaux de pluie
- La pose de châssis, fenêtres de toit, dispositifs d’évacuation des fumées et autres
- L’achat, la vente, l’import, l’export et le transport de marchandises en rapport avec son objet, sans que cette énumération soit limitative
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Chaussée de Tongres 358 registered office 4450 Juprelle | ||
| Rue des Récollets 19 4600 Visé | 24-09-2024 | 2.364.227.817 |
1 former office
- Rue des Recollets,19A, 4600 Vise until the deed of 06-05-2026
Buildings and parcels at the addresses
- Ground area
- 773 m²
- Buildings
- 166 m²
- Volume, LiDAR
- 1,334 m³
- Tallest building
- 14.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 62060A0819/00X000 | 701 m² | 1 · 113 m² | 7.3 m · 2 |
| 62108C0361/00M000 | 71 m² | 1 · 53 m² | 14.0 m · 4 |
Contact
E-mail
acmconstruct13@gmail.com
Phone
+32 497 41 22 45
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1014.008.504