3M CONCEPT
The computed 12-month bankruptcy probability of 3M CONCEPT is 2.5% (moderate). The 2025 annual accounts show equity of €11k and a net result of €-3k. Equity is shrinking by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 80% of 2861 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €11k |
| Net result | €-3k |
| Better than sector | 80% |
| Active | 7 yrs |
Strong profile, led by solvency.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
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The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 70.7% | 43.4% | |
| Net result | €-3k | €14k | |
| Equity | €11k | €44k | |
| Gross operating margin | €2k | €39k | |
| Total assets | €16k | €115k |
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | €1k |
| Net profit | €-3k |
| Cash flow | €1k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €16k |
| Equity | €11k |
| Debt | €5k |
| of which ≤ 1y | €5k |
| of which > 1y | - |
| Working capital | €8k |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | 2.82 |
| Quick ratio | 2.82 |
| Working capital ratio | 53.4% |
| Solvency | 70.7% |
| Debt / equity | 0.41 |
| Long-term debt ratio | - |
| Interest coverage | 3.54 |
| Gross margin | - |
| Net margin | - |
| ROA | -22.2% |
| ROE | -31.4% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €16k |
| Fixed assets | 21/28 | €3k |
| Tangible fixed assets | 22/27 | €2k |
| Financial fixed assets | 28 | €500 |
| Current assets | 29/58 | €13k |
| Amounts receivable within one year | 40/41 | €7k |
| Cash & bank | 54/58 | €5k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €16k |
| Equity | 10/15 | €11k |
| Contributions / capital | 10/11 | €6k |
| Reserves | 13 | €16k |
| Accumulated profits (losses) | 14 | €-12k |
| Amounts payable | 17/49 | €5k |
| Amounts payable within one year | 42/48 | €5k |
| Trade debts payable within one year | 44 | €1k |
| Income statement | ||
| Gross operating margin | 9900 | €2k |
| Operating result | 9901 | €-3k |
| Financial income | 75 | €230 |
| Financial charges | 65 | €419 |
| Result before taxes | 9903 | €-3k |
| Net result for the period | 9904 | €-3k |
| Result to be appropriated | 9905 | €-3k |
-
Current07-10-2025 → present
Former directors (2)
-
Former- → 07-10-2025
-
Former- → 21-01-2019
| NACE primary | Specialised construction(43120) |
| Legal form | Private limited company(610) |
| Incorporation | 29-10-2018 |
| Status | Active |
| Postal code | 1601 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23069A0267/00B003 | Flanders | 3,035 m² | 1 · 907 m² | 13.8 m · 3 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
29-10-2025 Registered office moved from Sint-Pieters-Leeuw to Ruisbroek
- Humaniteitslaan 65, 1601 Sint-Pieters-Leeuw → Humaniteitslaan 65, 1601 Ruisbroek
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "statutaire",
"new_address": {
"city": "Ruisbroek",
"region": null,
"street": "Humaniteitslaan",
"country": "BE",
"postcode": "1601",
"box_number": "17",
"street_number": "65"
},
"old_address": {
"city": "Sint-Pieters-Leeuw",
"region": null,
"street": "Humaniteitslaan",
"country": "BE",
"postcode": "1601",
"box_number": null,
"street_number": "65"
},
"effective_date": "2025-10-07",
"evidence_quote": "Overdracht van de maatschappelijke zetel van Humaniteitslaan 65 naar Humaniteitslaan 65 bus 17 - 1601 Ruisbroek."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0712.684.437",
"name_full": "3M CONCEPT",
"legal_form": "SPRL"
}
}22-11-2022 Articles of association amended
Technical details
{
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"statute_change": {
"name_change": false,
"seat_change": true,
"object_change": false,
"effective_date": "2022-11-22",
"legal_form_change": false
},
"bedrijfsrevisor": null,
"subject_company": {
"kbo": "0712.684.437",
"name_full": "3M CONCEPT",
"legal_form": "BV"
},
"signature_regime": "solo",
"special_mandates": [],
"governance_change": {
"admin_delegated_added": []
}
}02-03-2020 GUERREIRO FERNANDES Miguel resigns as manager
- GUERREIRO FERNANDES Miguel, Zaakvoerder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "zaakvoerder",
"person": {
"rrn": null,
"name": "GUERREIRO FERNANDES Miguel",
"address": null,
"birth_date": null
},
"effective_date": "2019-01-21",
"evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale prends connaissance de la lettre de d\u00E9mission de Monsieur GUERREIRO FERNANDES Miguel, re\u00E7ue par Madame LAMEIRA MESIA Marisa le 21 janvier 2019, et approuve celle-ci \u00E0 l\u0027unanimit\u00E9 des voix avec effet au 21/01/2019. Elle donn\u00E9, \u00E9galement, par vote s\u00E9par\u00E9 et \u00E0 l\u0027unanim\u00EDt\u00E9 des voix,",
"discharge_granted": true
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0712.684.437",
"name_full": "3M CONCEPT",
"legal_form": "SPRL"
}
}31-10-2018 Incorporation of a new SNC
Technical details
{
"kind": "oprichting",
"seat": "1190 Forest, Chauss\u00E9e de Ruisbroek 83 bo\u00EEte 3",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1979-10-26",
"name": "LAMEIRA MESIA Marisa da Gloria",
"niss": null,
"address": "1640 Rhode-Saint-Gen\u00E8se, Rue Rittweger 6 bo\u00EEte 101"
},
"share_class": "ordinary",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 5580,
"holder_person_name": "LAMEIRA MESIA Marisa da Gloria",
"is_subscriber_only": false,
"n_shares_subscribed": 90,
"amount_subscribed_eur": 16740,
"is_anonymous_silent_partner": false
},
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1977-05-19",
"name": "GUERREIRO FERNANDES Miguel Angelo",
"niss": null,
"address": "1470 Genappe (Baisy-Thy), La Houlette 107"
},
"share_class": "ordinary",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 620,
"holder_person_name": "GUERREIRO FERNANDES Miguel Angelo",
"is_subscriber_only": false,
"n_shares_subscribed": 10,
"amount_subscribed_eur": 1860,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 18600,
"subject_company": {
"kbo": "0712.684.437",
"name_full": "3M CONCEPT",
"legal_form": "SNC"
},
"initial_directors": [],
"incorporation_date": "2018-10-25",
"post_incorporation_mandates": []
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameFR | 3M CONCEPT |