ACMD Construct
ActiveSummary
The computed 12-month bankruptcy probability of ACMD Construct is 3.0% (moderate). The 2025 annual accounts show equity of €17k and a net result of €-14k. Equity is shrinking by ~16.4% per year across the filed fiscal years. Its solvency ranks better than 33% of 27786 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▼-7
Solvency57▼-7
Growth68=
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.44 against 2.88 in 2024; short-term debt: 14.4% and cash: 8.2% of total assets), but 68.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
31.8%
Return on assets
-27.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-14k
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 13-05-2026, 79 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
79 d early
2024
58 d early
2023
8 d early
2022
13 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€528k▲ 330%
2022 · €123k
2022: €123k
2022 → 2023
EBIT margin
6.5%▼ 9.0pp
2022 · 15.5%
2022: 15.5%
2022 → 2023
Net result
€-14k▼ 74.7%
2024 · €-8k
2022: €14k
2023: €24k
2024: €-8k
2022 → 2025
Working capital
€11k▼ 42.5%
2024 · €19k
2022: €2k
2023: €24k
2024: €19k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€123k-€528k▲ 330%
Equity€16k-€40k▲ 149%€31k▼ 20.9%€17k▼ 46.1%
Operating result€19k-€34k▲ 80.1%€-6k€-13k▼ 108%
Net result€14k-€24k▲ 70.8%€-8k€-14k▼ 74.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2025 against €6k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€35k ▼ 32.4%
Current assets
€19k ▼ 36.4%
Equity and liabilities €53k
Equity
€17k ▼ 46.1%
Debt
€36k ▼ 26.0%
Debt's share of the balance-sheet total rises from 61.0% to 68.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€4k▼
2024 · €5k
Cash flow
€2k▼
2024 · €3k
Current ratio
2.44▼
2024 · 2.88
Debt to equity
2.15▲
2024 · 1.56
ROE
-85.5%▼
2024 · -26.4%
ROA
-27.2%▼
2024 · -10.3%
Interest coverage
2.41▼
2024 · 2.53
Debt ≤ 1 year
€8k▼
2024 · €10k
Debt > 1 year
€24k▼
2024 · €39k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€81k€53k▼
Fixed assets21/28€51k€35k▼
Tangible fixed assets22/27€51k€35k▼
Furniture and vehicles24€19k€9k▼
Leasing and similar rights25€32k€25k▼
Current assets29/58€29k€19k▼
Amounts receivable within one year40/41€9k€12k▲
Trade receivables40-€5k
Other amounts receivable41€9k€7k▼
Cash at bank and in hand54/58€18k€4k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€81k€53k▼
Equity10/15€31k€17k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€29k€15k▼
Amounts payable17/49€49k€36k▼
Amounts payable after more than one year17€39k€24k▼
Financial debts170/4€39k€24k▼
Amounts payable within one year42/48€10k€8k▼
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Bills of exchange payable441-€132
Taxes, remuneration and social security45€7k-
Taxes450/3€7k-
Other amounts payable47/48-€1k
Accrued charges and deferred income492/3-€5k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€17k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€9k€6k▼
Operating profit (loss)9901€-6k€-13k▼
Financial income75/76B€68€10▼
Recurring financial income75€68€10▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-8k€-14k▼
Profit (loss) for the period9904€-8k€-14k▼
Profit (loss) for the period to be appropriated9905€-8k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€15k▼
Profit (loss) brought forward from the previous period14P€38k€29k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €24k ▲70.8%
Operating result €34k, net result €24k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.32
Current ratio from 1.11 to 3.32; short-term debt falls from €22k to €11k.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial 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, Bierbeek · 1 establishment unit since 2022
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.
Opvelpsestraat 293360 BierbeekGround area
338 m²
Building footprint
258 m²
Volume, LiDAR
1,412 m³
Parcel 24011H0251/00H003, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ACMD Construct
since 20222.330.416.189
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24011H0251/00H003 | Flanders | 338 m² | 1 · 258 m² | 9.3 m · 2 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.
Similar companies · same sector, comparable size
BRIC-EN-TETE
BE 0819.246.954
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EVEREST SERVICES
BE 0794.601.036
Wezembeek-Oppem · Eq €16,969
@Your Service
BE 0828.240.438
Kapellen · Eq €16,985
KLM MAISON
BE 0834.882.067
Schaarbeek · Eq €16,915
QUALIVIE
BE 0429.594.885
Soignies · Eq €16,906
Of 7,293 companies in sector 43350 we hold annual accounts for 2,363. 1,690 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
43350Other building finishing work
43221Plumbing work
43240Other construction installation
43310Plastering work
43320Joinery installation
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.