AL DESIGN CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of AL DESIGN CONCEPT is 3.5% (moderate). The 2025 annual accounts show equity of €286k and a net result of €112k. Equity is growing by ~50.4% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+9
Solvency77▲+17
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 3.13 against 2.3 in 2024; short-term debt: 29.5% and cash: 11.5% of total assets), and 48.1% 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
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.9%
Return on assets
20.3%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-10-2025, 11 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
11 d early
2024
7 d early
2023
40 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€286k▲ 63.9%
2024 · €175k
2023: €110k
2024: €175k
2023 → 2025
Total assets
€551k▲ 11.0%
2024 · €497k
2023: €481k
2024: €497k
2023 → 2025
Net result
€112k▲ 73.0%
2024 · €65k
2023: €100k
2024: €65k
2023 → 2025
Working capital
€347k▲ 38.5%
2024 · €251k
2023: €289k
2024: €251k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€110k-€175k▲ 58.6%€286k▲ 63.9%
Operating result€137k-€96k▼ 30.2%€158k▲ 64.7%
Net result€100k-€65k▼ 35.6%€112k▲ 73.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 65% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €551k
Fixed assets
€42k ▼ 21.8%
Current assets
€510k ▲ 14.9%
Equity and liabilities €551k
Equity
€286k ▲ 63.9%
Debt
€265k ▼ 17.7%
Debt's share of the balance-sheet total falls from 64.8% to 48.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€164k▲
2024 · €102k
Cash flow
€118k▲
2024 · €70k
Current ratio
3.13▲
2024 · 2.30
Quick ratio
0.61▲
2024 · 0.34
Debt to equity
0.93▼
2024 · 1.84
ROE
39.0%▲
2024 · 36.9%
ROA
20.3%▲
2024 · 13.0%
Interest coverage
16.33▲
2024 · 7.16
Debt ≤ 1 year
€163k▼
2024 · €193k
Debt > 1 year
€92k▼
2024 · €119k
Income taxes
€36k▲
2024 · €17k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€497k€551k▲
Fixed assets21/28€53k€42k▼
Intangible fixed assets21€4k€4k▼
Tangible fixed assets22/27€42k€38k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€6k€4k▼
Other tangible fixed assets26€35k€31k▼
Financial fixed assets28€6k-
Current assets29/58€444k€510k▲
Stocks and contracts in progress3€379k€411k▲
Stocks30/36€379k€411k▲
Amounts receivable within one year40/41€18k€31k▲
Trade receivables40€17k€20k▲
Other amounts receivable41€865€11k▲
Cash at bank and in hand54/58€47k€64k▲
Deferred charges and accrued income490/1€0€5k▲
Equity and liabilities
Total equity and liabilities10/49€497k€551k▲
Equity10/15€175k€286k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€165k€276k▲
Amounts payable17/49€322k€265k▼
Amounts payable after more than one year17€119k€92k▼
Financial debts170/4€119k€92k▼
Amounts payable within one year42/48€193k€163k▼
Current portion of amounts payable after more than one year42€51k€17k▼
Financial debts43€12k€13k▲
Credit institutions430/8€12k€13k▲
Trade debts44€40k€25k▼
Suppliers440/4€40k€25k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€26k€36k▲
Taxes450/3€26k€36k▲
Other amounts payable47/48€64k€72k▲
Accrued charges and deferred income492/3€10k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€460€865▲
Gross operating margin9900€102k€165k▲
Operating profit (loss)9901€96k€158k▲
Financial income75/76B€423€172▼
Recurring financial income75€423€172▼
Financial charges65/66B€14k€10k▼
Recurring financial charges65€14k€10k▼
Profit (loss) for the period before taxes9903€82k€148k▲
Income taxes67/77€17k€36k▲
Profit (loss) for the period9904€65k€112k▲
Profit (loss) for the period to be appropriated9905€65k€112k▲
Appropriation of the result
Profit (loss) to be appropriated9906€165k€276k▲
Profit (loss) brought forward from the previous period14P€100k€165k▲
The notes to these accounts (10 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
2025
20-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2023net €112k ▲73%
Operating result €158k, net result €112k, both a record.
31-03
Financial
Equity above €200kEq €286k ▲63.9%
3 profitable years in a row build equity to €286k.
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €65k ▼35.6%
Net result drops to €65k, the lowest in the series; recovery starts the following year.
31-03
Financial
Equity above €150kEq €175k ▲58.6%
2 profitable years in a row build equity to €175k.
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Buggenhout · 2 establishment units 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.
Brandstraat 219255 BuggenhoutGround area
3,860 m²
Building footprint
131 m²
Volume, LiDAR
856 m³
2 parcels, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
AL DESIGN CONCEPT
since 20222.331.144.382
AL DESIGN CONCEPT
since 20222.331.144.481
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42002C0535/00H002 | Flanders | 2,697 m² | - | - |
| 42004E0566/00D000 | Flanders | 1,163 m² | 1 · 131 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-05-2022
Fiscal year end31-03
Activities, NACEBEL 2025
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.