B&A CONCEPT
ActiveB&A CONCEPT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €239k and a net result of €165k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 68% of 9982 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
93
/ 100
Excellent▲ +56 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency98▲+83
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 1.05 in 2023), and 40.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
59.1%
Return on assets
40.8%
Age of the figures
20 mo
lowers risk · Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €239k
neutral · Filed after the deadline
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. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
50 d late
2022
70 d late
2021
40 d early
2020
46 d late
2019
59 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€239k▲ 223%
2023 · €74k
2018: €-1k
2019: €-80k
2020: €-108k
2021: €37k
2022: €138k
2023: €74k
2018 → 2024
Total assets
€404k▼ 74.2%
2023 · €1.57M
2018: €758k
2019: €2.15M
2020: €1.99M
2021: €702k
2022: €404k
2023: €1.57M
2018 → 2024
Net result
€165k
2023 · €-64k
2018: €-8k
2019: €-79k
2020: €-28k
2021: €145k
2022: €101k
2023: €-64k
2018 → 2024
Working capital
€237k▲ 227%
2023 · €72k
2018: €378k
2019: €1.40M
2020: €1.37M
2021: €384k
2022: €136k
2023: €72k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-108k-€37k€138k▲ 270%€74k▼ 46.3%€239k▲ 223%
Operating result€-7k-€171k€137k▼ 19.4%€-54k€241k
Net result€-28k-€145k€101k▼ 30.7%€-64k€165k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €241k after a loss of €54k in 2023, the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €404k
Fixed assets
€2k=
Current assets
€403k▼ 74.3%
Equity and liabilities €404k
Equity
€239k▲ 223%
Debt
€165k▼ 88.9%
The debt ratio falls from 95.3% to 40.9%: equity grows while debt is paid down.
Key figures and ratios
Solvency
59.1%▲
2023 · 4.7%
Current ratio
2.44▲
2023 · 1.05
Quick ratio
2.44▲
2023 · 1.03
Debt / equity
0.69▼
2023 · 20.16
ROE
69.0%▲
2023 · -86.2%
ROA
40.8%▲
2023 · -4.1%
Debt
€165k▼
2023 · €1.49M
Debt ≤ 1 year
€165k▼
2023 · €1.49M
Income taxes
€65k▲
2023 · €363
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€1.57M€404k▼
Fixed assets21/28€2k€2k=
Financial fixed assets28€2k€2k=
Current assets29/58€1.56M€403k▼
Stocks and contracts in progress3€24k-
Stocks30/36€24k-
Amounts receivable within one year40/41€1.54M€403k▼
Trade receivables40€1.14M-
Other amounts receivable41€395k€403k▲
Cash at bank and in hand54/58€29€64▲
Equity and liabilities
Total equity and liabilities10/49€1.57M€404k▼
Equity10/15€74k€239k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€68k€233k▲
Amounts payable17/49€1.49M€165k▼
Amounts payable within one year42/48€1.49M€165k▼
Financial debts43€75k-
Credit institutions430/8€75k-
Trade debts44€958k€5k▼
Suppliers440/4€958k€5k▼
Taxes, remuneration and social security45€173k€127k▼
Taxes450/3€173k€127k▼
Other amounts payable47/48€286k€33k▼
Income statement
Code20232024
Other operating charges640/8€66k€10k▼
Gross operating margin9900€12k€251k▲
Operating profit (loss)9901€-54k€241k▲
Financial charges65/66B€9k€11k▲
Recurring financial charges65€9k€11k▲
Profit (loss) for the period before taxes9903€-63k€230k▲
Income taxes67/77€363€65k▲
Profit (loss) for the period9904€-64k€165k▲
Profit (loss) for the period to be appropriated9905€-64k€165k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€233k▲
Profit (loss) brought forward from the previous period14P€132k€68k▼
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €165k
Net result €165k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.44
Current ratio from 1.05 to 2.44; short-term debt falls from €1.49M to €165k.
31-12
Financial
Equity above €200kEq €239k ▲223%
Equity rises from €74k to €239k.
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Equity above €100kEq €138k ▲270%
2 profitable years in a row build equity to €138k.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €145k
Net result €145k after 3 loss-making years.
15-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 46 days late
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
2019
31-12
Financial
Weakest financial yearnet €-79k
Net result drops to €-79k, the lowest in the series; recovery starts the following year.
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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
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.
Ground area
6,004 m²
Parcel 62814C0006/00G002, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62814C0006/00G002 | Wallonia | 6,004 m² | - | - |
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.
Similar companies · same sector, comparable size
YOUNG BUILDING PROJECTS
BE 0887.108.451
Vilvoorde · Eq €239k
HERMANN R & S
BE 0825.379.631
Sankt Vith · Eq €239k
B. BERISHA REAL ESTATE
BE 0791.196.831
Sint-Truiden · Eq €239k
MAISONS DUVAL
BE 0818.451.356
Couvin · Eq €239k
GORRENS D
BE 0892.629.929
Rijkevorsel · Eq €239k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,868. 11,520 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-06-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43110Demolition
70210Activities of head offices; management consultancy activities
71121Engineering and related technical consultancy, excluding land surveyors
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.