7 CONCEPTS
Active7 CONCEPTS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €366k and a net result of €17k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 42% of 5989 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability39▼-7
Solvency60▼-11
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days only on tighter terms
Liquidity tight (current ratio 1.38 against 1.7 in 2023; short-term debt: 58.6% and cash: 11.3% of total assets), and 65.4% 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.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-11-2025, 95 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
95 d late
2023
30 d late
2022
31 d late
2021
289 d late
2020
61 d late
2019
92 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€17k▼ 26.5%
2023 · €23k
2018: €28k
2019: €18k
2020: €12k
2021: €22k
2022: €13k
2023: €23k
2018 → 2024
Working capital
€237k▲ 7.5%
2023 · €220k
2018: €156k
2019: €174k
2020: €154k
2021: €189k
2022: €198k
2023: €220k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€290k-€312k▲ 7.5%€325k▲ 4.2%€349k▲ 7.2%€366k▲ 4.9%
Operating result€31k-€36k▲ 15.7%€1k▼ 95.9%€70k▲ 4,593%€75k▲ 6.8%
Net result€12k-€22k▲ 88.5%€13k▼ 39.1%€23k▲ 76.7%€17k▼ 26.5%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 7% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.06M
Fixed assets
€201k▼ 9.1%
Current assets
€857k▲ 60.8%
Equity and liabilities €1.06M
Equity
€366k▲ 4.9%
Debt
€692k▲ 70.8%
The debt ratio rises from 53.7% to 65.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€96k▲
2023 · €95k
Cash flow
€39k▼
2023 · €48k
Solvency
34.6%▼
2023 · 46.3%
Current ratio
1.38▼
2023 · 1.70
Quick ratio
1.38▼
2023 · 1.54
Debt / equity
1.89▲
2023 · 1.16
ROE
4.7%▼
2023 · 6.7%
ROA
1.6%▼
2023 · 3.1%
Interest coverage
2.25▼
2023 · 2.75
Debt
€692k▲
2023 · €405k
Debt ≤ 1 year
€620k▲
2023 · €313k
Debt > 1 year
€72k▼
2023 · €92k
Income taxes
€16k▲
2023 · €15k
Staff costs
€86k▼
2023 · €128k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€753k€1.06M▲
Fixed assets21/28€221k€201k▼
Tangible fixed assets22/27€181k€161k▼
Land and buildings22€151k€140k▼
Plant, machinery and equipment23€16k€12k▼
Furniture and vehicles24€15k€9k▼
Financial fixed assets28€39k€39k=
Current assets29/58€533k€857k▲
Stocks and contracts in progress3€50k-
Stocks30/36€50k-
Amounts receivable within one year40/41€412k€735k▲
Trade receivables40€364k€640k▲
Other amounts receivable41€48k€95k▲
Cash at bank and in hand54/58€7k€120k▲
Deferred charges and accrued income490/1€63k€2k▼
Equity and liabilities
Total equity and liabilities10/49€753k€1.06M▲
Equity10/15€349k€366k▲
Contributions10/11€6k€6k=
Reserves13€21k€21k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Tax-exempt reserves132€19k€19k=
Distributable reserves133-€2k
Profit (loss) carried forward14€322k€339k▲
Amounts payable17/49€405k€692k▲
Amounts payable after more than one year17€92k€72k▼
Financial debts170/4€92k€72k▼
Amounts payable within one year42/48€313k€620k▲
Current portion of amounts payable after more than one year42€20k€276k▲
Financial debts43€33k€96k▲
Credit institutions430/8€33k€96k▲
Trade debts44€166k€235k▲
Suppliers440/4€166k€235k▲
Advances received on contracts in progress46€65k-
Taxes, remuneration and social security45€16k€14k▼
Taxes450/3€11k€12k▲
Remuneration and social security454/9€5k€2k▼
Other amounts payable47/48€12k-
Income statement
Code20232024
Remuneration, social security and pensions62€128k€86k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€22k▼
Other operating charges640/8€5k€10k▲
Non-recurring operating charges66A-€10k
Gross operating margin9900€227k€202k▼
Operating profit (loss)9901€70k€75k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€34k€43k▲
Recurring financial charges65€34k€43k▲
Profit (loss) for the period before taxes9903€39k€33k▼
Income taxes67/77€15k€16k▲
Profit (loss) for the period9904€23k€17k▼
Profit (loss) for the period to be appropriated9905€23k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€322k€339k▲
Profit (loss) brought forward from the previous period14P€298k€322k▲
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
03-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 95 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
16-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 289 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 61 days late
2020
31-12
Financial
Weakest financial yearnet €12k ▼34.6%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 92 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Ukkel · 1 establishment unit since 2003
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.
Papenkasteelstraat 241180 UkkelGround area
1,271 m²
Building footprint
193 m²
Volume, LiDAR
1,295 m³
Parcel 21614E0248/00Y004, Brussels · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
7 CONCEPTS
since 20032.123.456.296
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614E0248/00Y004 | Brussels | 1,271 m² | 1 · 193 m² | 9.2 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.
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Digagent
BE 0462.344.065
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VALO
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V en K BEHEER
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,673 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2002
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
74401
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.