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B-CONCEPT HABITAT

Active
Private limited company·Ontwikkeling van residentiële bouwprojecten· 3 yrs active
Chaussée Moncheur 12 ·5300 Andenne, Belgium
KBO/BCE: BE 0800.764.395
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Age3 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of B-CONCEPT HABITAT is 1.3% (low). The 2024 annual accounts show equity of €13k and a net result of €-17k. Its solvency ranks better than 37% of 4950 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.3% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 31-08-2025 31 d late 2025-00487077

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-17k
Working capital€10k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 31-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 5.4% 16.7%
better than 37% of 4950 sector peers
Net result €-17k €2k
better than 21% of 4942 sector peers
Equity €13k €27k
better than 40% of 4953 sector peers
Gross operating margin €-9k €27k
better than 10% of 4936 sector peers
Total assets €244k €302k
better than 45% of 4952 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€-10k
Net profit€-17k
Cash flow€-16k
Staff costs-
Income taxes-
Dividends-
Total assets€244k
Equity€13k
Debt€231k
of which ≤ 1y€231k
of which > 1y-
Working capital€10k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.05
Quick ratio0.05
Working capital ratio4.3%
Solvency5.4%
Debt / equity17.38
Long-term debt ratio-
Interest coverage-1.89
Gross margin-
Net margin-
ROA-6.9%
ROE-126.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding518d
Inventory turnover0.04
Days inventory (DSI)8937d
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€244k
Fixed assets 21/28€453
Formation expenses 20€2k
Tangible fixed assets 22/27€453
Current assets 29/58€241k
Stocks & contracts in progress 3€230k
Amounts receivable within one year 40/41€531
Cash & bank 54/58€11k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€244k
Equity 10/15€13k
Contributions / capital 10/11€30k
Accumulated profits (losses) 14€-17k
Amounts payable 17/49€231k
Amounts payable within one year 42/48€231k
Trade debts payable within one year 44€13k
Income statement
Gross operating margin 9900€-9k
Operating result 9901€-11k
Financial charges 65€5k
Result before taxes 9903€-17k
Net result for the period 9904€-17k
Result to be appropriated 9905€-17k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
20 / 100 Critical
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Chaussée Moncheur 125300 Andenne

Establishment units

1 location
B-CONCEPT HABITAT
Chaussée Moncheur 12, 5300 AndenneOntwikkeling van residentiële bouwprojecten
since 20232.345.647.565
Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health20Profitability0Solvency16Growth-Stability79
29 / 100

Fragile profile, watch profitability in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 20
Profitability 0
Solvency 16
Growth -
Stability 79

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AI due-diligence brief

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,998 of the 9,649 companies in this sector. 1,294 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Ontwikkeling van residentiële bouwprojecten41101Ontwikkeling van residentiële bouwprojecten68121Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van terreinen68204Verhuur en exploitatie van terreinen68204
Primary activity highlighted.
Names & trade names
Legal nameFR B-CONCEPT HABITAT
Registered office
Chaussée Moncheur 12
5300 Andenne, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.