ASSERT CONCEPT
ActiveSummary
ASSERT CONCEPT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €69k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 7780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency27▼-17
Growth78=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
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Signals
Six 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
2.3%
Return on assets
46.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7780 sector peers (2025).
NBB · sector comparisonPosition among 7780 sector peers
Solvency
better than 14%
← weakest
strongest →
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 24-04-2026, 98 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
98 d early
2024
34 d early
2023
20 d early
2022
19 d early
2021
12 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€4k▼ 75.6%
2024 · €14k
Total assets
€150k▲ 102%
2024 · €74k
Net result
€69k▲ 17.9%
2024 · €59k
Working capital
€-5k
2024 · €13k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-4k-€-2k▲ 49.9%€8k€75k▲ 876%€89k▲ 18.2%
Net result€-4k-€-2k▲ 43.3%€7k€59k▲ 772%€69k▲ 17.9%
Equity€-241-€-2k▼ 879%€4k€14k▲ 304%€4k▼ 75.6%
Total assets€3k-€2k▼ 45.8%€16k▲ 861%€74k▲ 364%€150k▲ 102%
Debt€3k-€4k▲ 21.6%€12k▲ 209%€60k▲ 381%€146k▲ 145%
Working capital€-1k-€-3k▼ 145%€3k€13k▲ 273%€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 18% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €150k
Fixed assets
€44k ▲ 3,130%
Current assets
€106k ▲ 45.8%
Equity and liabilities €150k
Equity
€4k ▼ 75.6%
Debt
€146k ▲ 145%
Debt's share of the balance-sheet total rises from 80.6% to 97.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€99k▲
2024 · €76k
Cash flow
€80k▲
2024 · €60k
Current ratio
0.96▼
2024 · 1.22
Debt to equity
41.81▲
2024 · 4.17
ROA
46.3%▼
2024 · 79.3%
Interest coverage
37.56▼
2024 · 172.83
Debt ≤ 1 year
€111k▲
2024 · €60k
Debt > 1 year
€35k
Income taxes
€17k▲
2024 · €16k
A ratio outside any meaningful range has been withheld (balance sheet total €150k, equity €4k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €363 | €428 | €428 | €738 | €10k | ▲ 1,298% |
| Other operating charges640/8 | - | - | €384 | €387 | €1k | ▲ 178% |
| Gross operating margin9900 | €-3k | €-1k | €9k | €76k | €100k | ▲ 31.4% |
| Operating profit (loss)9901 | €-4k | €-2k | €8k | €75k | €89k | ▲ 18.2% |
| Financial charges65/66B | €101 | €297 | €305 | €440 | €3k | ▲ 501% |
| Recurring financial charges65 | €101 | €297 | €305 | €440 | €3k | ▲ 501% |
| Profit (loss) for the period before taxes9903 | €-4k | €-2k | €7k | €75k | €86k | ▲ 15.4% |
| Income taxes67/77 | - | - | €667 | €16k | €17k | ▲ 6.2% |
| Profit (loss) for the period9904 | €-4k | €-2k | €7k | €59k | €69k | ▲ 17.9% |
| Profit (loss) for the period to be appropriated9905 | €-4k | €-2k | €7k | €59k | €69k | ▲ 17.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3k | €2k | €16k | €74k | €150k | ▲ 102% |
| Fixed assets21/28 | €922 | €493 | €65 | €1k | €44k | ▲ 3,130% |
| Tangible fixed assets22/27 | €922 | €493 | €65 | €1k | €44k | ▲ 3,130% |
| Furniture and vehicles24 | €922 | €493 | €65 | €1k | €44k | ▲ 3,130% |
| Current assets29/58 | €2k | €1k | €16k | €73k | €106k | ▲ 45.8% |
| Amounts receivable within one year40/41 | €2k | €1k | €3k | €29k | €36k | ▲ 25.0% |
| Trade receivables40 | €1k | - | €3k | €28k | €26k | ▼ 6.7% |
| Other amounts receivable41 | €641 | €1k | - | €454 | €9k | ▲ 1,984% |
| Cash at bank and in hand54/58 | €108 | €28 | €13k | €44k | €70k | ▲ 59.3% |
| Deferred charges and accrued income490/1 | - | - | - | €16 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3k | €2k | €16k | €74k | €150k | ▲ 102% |
| Equity10/15 | €-241 | €-2k | €4k | €14k | €4k | ▼ 75.6% |
| Contributions10/11 | €4k | €4k | €4k | €4k | €4k | = |
| Profit (loss) carried forward14 | €-4k | €-6k | €51 | €11k | - | - |
| Amounts payable17/49 | €3k | €4k | €12k | €60k | €146k | ▲ 145% |
| Amounts payable after more than one year17 | - | - | - | - | €35k | - |
| Financial debts170/4 | - | - | - | - | €35k | - |
| Amounts payable within one year42/48 | €3k | €4k | €12k | €60k | €111k | ▲ 85.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €10k | - |
| Trade debts44 | €2k | €2k | €370 | €4k | €3k | ▼ 10.7% |
| Suppliers440/4 | €2k | €2k | €370 | €4k | €3k | ▼ 10.7% |
| Taxes, remuneration and social security45 | - | - | €2k | €5k | €10k | ▲ 79.5% |
| Taxes450/3 | - | - | €2k | €5k | €8k | ▲ 41.2% |
| Remuneration and social security454/9 | - | - | - | - | €2k | - |
| Other amounts payable47/48 | €1k | €2k | €10k | €51k | €88k | ▲ 72.9% |
| Accrued charges and deferred income492/3 | - | - | - | - | €335 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-4k | €-2k | €7k | €59k | €69k | ▲ 17.9% |
| + Depreciation and write-downs630 | €363 | €428 | €428 | €738 | €10k | ▲ 1,298% |
| Operating cash flow (approximation) | €-3k | €-2k | €7k | €60k | €80k | ▲ 33.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-2k | €-53k | ▼ 2,499% |
| Change in cash | - | €-80 | €13k | €31k | €26k | ▼ 15.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €69k ▲17.9%
Operating result €89k, net result €69k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 1.28
Current ratio from 0.29 to 1.28.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Herve · 1 establishment unit since 2020
Ground area
398 m²
Building footprint
183 m²
Parcel 63039A0136/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ASSERT CONCEPT
since 20202.308.834.085
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63039A0136/00C000 | Wallonia | 398 m² | 1 · 183 m² | - |
Linked by address, not proof of ownership
Good to know
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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Of 11,220 companies in sector 82100 we hold annual accounts for 3,511. 1,092 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.