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B&A CONCEPT

Active
Private limited company (pre-2019)founded 2018active for 8 yearsKBO/BCE: BE 0697.853.137
Summary

The computed 12-month bankruptcy probability of B&A CONCEPT is 15.9% (high). The 2024 annual accounts show equity of €238,892 and a net result of €164,905. Equity fluctuates too strongly from year to year to read a trend from it. The company has been active since 2018 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 1 administrative register entry.

Overview

Official details

Source: KBO
Status
Active since 13-06-2018 Normal situation
Legal form
Private limited company (pre-2019)
Activity
No activity registered in the KBO
Financial year end
31 December
Peppol
Not found in the Peppol Directory

Board and ownership

Board
  • LE GRELLE ARNAUDDirector

Financial position

20 Critical Checked score 2024
Bankruptcy probabilitywithin 12 months
15.9%
Annual accounts 2024
Gross margin
€251,097
▲ 21×
Turnover
≈ €500,000
estimated
Profit
€164,905
Equity
€238,892
▲ 223%
Total assets
€404,082
▼ 74.2%
  • 2025 accounts not filed, 95 days past the deadline
Score breakdownraises riskFigures for financial year 2024 (filed on 02-09-2025)No registered site in the KBOEx-officio strike-off in the KBOLiquidity: current ratio 2.44, cash €64Show the evidence

Checked score

Score 2024
20 / 100
Critical
Probability in this band: over 15.0%
Financially stronger than 70% of micro companies in construction of buildings (NACE 41)
Financial strength · tick: 2023
Strong
Solvency 84+54
equity 59.1% of total assets
Liquidity 31+31
short-term debt 40.9% · cash 0.0%
Profitability 100+73
return on assets 40.8%
Bankruptcy probability within 12 months
15.9% High
0%0.5%1.5%4%10%≥ 25%

About 1 in 6 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,453 companies, NACE 41, micro)
Last 24 months 12-2024: 14.2% 01-2025: 14.2%● unchanged vs 12-2024 02-2025: 14.2%● unchanged vs 01-2025 03-2025: 14.4%▲ +0.2 percentage points vs 02-2025 04-2025: 14.8%▲ +0.4 percentage points vs 03-2025 05-2025: 15.1%▲ +0.3 percentage points vs 04-2025 06-2025: 14.8%▼ -0.3 percentage points vs 05-2025 07-2025: 14.3%▼ -0.5 percentage points vs 06-2025 08-2025: 15.8%▲ +1.5 percentage points vs 07-2025 09-2025: 16.9%▲ +1.1 percentage points vs 08-2025highest value 10-2025: 8.6%▼ -8.3 percentage points vs 09-2025 11-2025: 8.6%● unchanged vs 10-2025 12-2025: 8.6%● unchanged vs 11-2025 01-2026: 8.6%● unchanged vs 12-2025 02-2026: 8.0%▼ -0.6 percentage points vs 01-2026 03-2026: 5.6%▼ -2.4 percentage points vs 02-2026lowest value 04-2026: 9.9%▲ +4.3 percentage points vs 03-2026 05-2026: 9.7%▼ -0.2 percentage points vs 04-2026 06-2026: 9.4%▼ -0.3 percentage points vs 05-2026 07-2026: 9.0%▼ -0.4 percentage points vs 06-2026 08-2026: 9.4%▲ +0.4 percentage points vs 07-2026 09-2026: 10.2%▲ +0.8 percentage points vs 08-2026 10-2026: 15.9%▲ +5.7 percentage points vs 09-2026 11-2026: 15.9%● unchanged vs 10-2026
No credit on open account
Liquidity is ample, with a current ratio of 2.44 (1.05 in 2023), above the usual 1.5. Short-term debt is 40.9% and cash 0% of total assets. 40.9% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 68% of them on solvency, 26% on liquidity, 91% on profitability and 95% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Eight signals.
lowers riskraises risk
raises risk · Figures for financial year 2024 (filed on 02-09-2025)
NBB · annual accounts
raises risk · No registered site in the KBO
KBO · seat and establishments
raises risk · Ex-officio strike-off in the KBO
KBO publications
raises risk · Liquidity: current ratio 2.44, cash €64
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024
Equity per financial year
18192021222324
2018 to 2024 · latest year €238,892
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 95 days later.
NBB · 7 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline03-11-2026 today
raises risk · 2024 accounts filed 28 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 7 filings
Deviation from the deadline
2025
not filed
2024
28 days late
2023
50 days late
2022
70 days late
2021
40 days early
2020
46 days late
2019
59 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

The company filed its last 6 accounts on average 36 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.

raises risk · Administrative warnings in the KBO publications
The FPS Economy published 1 notice about the company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publications
Publications
Address struck

Key points

  • Positive: Equity rose in 2024from €73,987 to €238,892 ▲ 223% View

Recent changes

  1. · KBO administration Address struckevent 17-12-2025
  2. · Gazette deed Registered office moved from Lasne to LiègeNew seat: Silversquare Guillemins, Esplanade Simone Veil, 1 à 4000 Liège · Previous seat: Chaussée de Louvain, 431E à 1380 LASNE
  3. · Gazette deed Resignation: Benoit le Grelle (manager)
All 18 events

Key facts about B&A CONCEPT

What is the company number of B&A CONCEPT?
The company number of B&A CONCEPT is 0697.853.137. The VAT number is the same number with BE in front: BE 0697.853.137.
What is the legal form of B&A CONCEPT?
The legal form of B&A CONCEPT is Private limited company (pre-2019) (BVBA).
When was B&A CONCEPT founded?
B&A CONCEPT was founded on 13-06-2018.
Is B&A CONCEPT still active?
Yes, B&A CONCEPT is an active enterprise in the KBO register.Company details
What is the turnover of B&A CONCEPT?
The turnover in financial year 2024 is ≈ €500,000. This figure is estimated from the gross margin of €251,097 and 882 comparable companies of the same size. It probably lies between €350,000 and €730,000. It is a rough estimate.Financials
Is B&A CONCEPT profitable?
In financial year 2024, B&A CONCEPT made a profit of €164,905.
Where can I find the annual accounts of B&A CONCEPT?
B&A CONCEPT filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

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