B&D CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of B&D CONCEPT is 2.1% (moderate). For B&D CONCEPT, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €41,655 and a net result of €32,008. Equity is growing by ~41.3% per year across the filed fiscal years. The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability99▲+28
Solvency56▲+15
Growth85=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
31.3%
Return on assets
24%
Age of the figures
33 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 6 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline30-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 16-06-2025, 320 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
320 d late
2022
631 d late
2021
121 d late
2020
30 d late
2019
60 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 5 accounts on average 232 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (1)
History
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Financials · fiscal year 2023, micro schema
Turnover
€308,468▲ 3,580%
2020 · €8,382
EBIT margin
8.1%▼ 13.2pp
2020 · 21.4%
Net result
€32,008▲ 88.7%
2022 · €16,958
Working capital
€39,147▲ 49.2%
2022 · €26,232
Trend over the years
In euros
In per cent
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192020202120222023
Turnover€7,854▼ 54.5%€8,382▲ 6.7%€308,468
Operating result€3,177▲ 77.2%€1,790▼ 43.7%-€154€25,049€39,318▲ 57.0%
Net result€2,179▲ 80.4%€1,291▼ 40.7%-€189€16,958€32,008▲ 88.7%
EBIT margin40.5%▲ 30.1pp21.4%▼ 19.1pp8.1%
Equity€9,587▲ 29.4%€10,878▲ 13.5%€10,690▼ 1.7%€27,647▲ 159%€41,655▲ 50.7%
Total assets€12,868▲ 44.1%€13,788▲ 7.1%€12,612▼ 8.5%€174,997▲ 1,288%€133,218▼ 23.9%
Debt€3,281▲ 116%€2,910▼ 11.3%€1,923▼ 33.9%€147,350▲ 7,564%€91,563▼ 37.9%
Working capital€8,755▲ 31.0%€10,525▲ 20.2%€10,454▼ 0.7%€26,232▲ 151%€39,147▲ 49.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed two years in a row; 2023 is 57% above 2022 and is the highest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €133,218
Fixed assets
€2,508 ▲ 77.2%
Current assets
€130,710 ▼ 24.7%
Equity and liabilities €133,218
Equity
€41,655 ▲ 50.7%
Debt
€91,563 ▼ 37.9%
Debt's share of the balance-sheet total falls from 84.2% to 68.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€39,925▲
2022 · €25,220
Cash flow
€32,615▲
2022 · €17,129
Current ratio
1.43▲
2022 · 1.18
Debt to equity
2.20▼
2022 · 5.33
ROE
76.8%▲
2022 · 61.3%
ROA
24.0%▲
2022 · 9.7%
Interest coverage
116.28▲
2022 · 101.05
Debt ≤ 1 year
€91,563▼
2022 · €147,350
Income taxes
€7,020▼
2022 · €7,842
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €7,854 | €8,382 | - | €308,468 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €496 | €282,433 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €479 | €479 | €118 | €171 | €607 | ▲ 255% |
| Other operating charges640/8 | - | - | - | €815 | €655 | ▼ 19.7% |
| Gross operating margin9900 | €4,024 | €2,637 | -€36 | €26,035 | €40,580 | ▲ 55.9% |
| Operating profit (loss)9901 | €3,177 | €1,790 | -€154 | €25,049 | €39,318 | ▲ 57.0% |
| Financial income75/76B | - | - | - | €1 | €53 | ▲ 8,139% |
| Recurring financial income75 | €0 | - | - | €1 | €53 | ▲ 8,139% |
| Financial charges65/66B | - | - | €35 | €250 | €343 | ▲ 37.6% |
| Recurring financial charges65 | €20 | €12 | €35 | €250 | €343 | ▲ 37.6% |
| Profit (loss) for the period before taxes9903 | €3,157 | €1,779 | -€189 | €24,800 | €39,028 | ▲ 57.4% |
| Income taxes67/77 | €978 | €487 | - | €7,842 | €7,020 | ▼ 10.5% |
| Profit (loss) for the period9904 | €2,179 | €1,291 | -€189 | €16,958 | €32,008 | ▲ 88.7% |
| Profit (loss) for the period to be appropriated9905 | €2,179 | €1,291 | -€189 | €16,958 | €32,008 | ▲ 88.7% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €12,868 | €13,788 | €12,612 | €174,997 | €133,218 | ▼ 23.9% |
| Formation expenses20 | €361 | - | - | - | - | - |
| Fixed assets21/28 | €471 | €353 | €235 | €1,415 | €2,508 | ▲ 77.2% |
| Tangible fixed assets22/27 | €471 | €353 | €235 | €1,415 | €2,508 | ▲ 77.2% |
| Plant, machinery and equipment23 | - | - | €235 | €118 | - | - |
| Furniture and vehicles24 | - | - | - | €1,297 | €2,508 | ▲ 93.3% |
| Current assets29/58 | €12,036 | €13,435 | €12,377 | €173,582 | €130,710 | ▼ 24.7% |
| Amounts receivable within one year40/41 | €9,447 | €13,360 | €12,372 | €150,039 | €93,481 | ▼ 37.7% |
| Trade receivables40 | - | - | €1,593 | €145,711 | €87,622 | ▼ 39.9% |
| Other amounts receivable41 | - | - | €10,779 | €4,328 | €5,858 | ▲ 35.4% |
| Cash at bank and in hand54/58 | €2,589 | €75 | €5 | €23,544 | €37,229 | ▲ 58.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €12,868 | €13,788 | €12,612 | €174,997 | €133,218 | ▼ 23.9% |
| Equity10/15 | €9,587 | €10,878 | €10,690 | €27,647 | €41,655 | ▲ 50.7% |
| Contributions10/11 | €6,200 | - | €6,200 | €6,200 | €6,200 | = |
| Profit (loss) carried forward14 | €3,387 | €4,678 | €4,490 | €21,447 | €35,455 | ▲ 65.3% |
| Amounts payable17/49 | €3,281 | €2,910 | €1,923 | €147,350 | €91,563 | ▼ 37.9% |
| Amounts payable within one year42/48 | €3,281 | €2,910 | €1,923 | €147,350 | €91,563 | ▼ 37.9% |
| Trade debts44 | €1,590 | €1,314 | €500 | €123,091 | €51,065 | ▼ 58.5% |
| Suppliers440/4 | - | - | €500 | €123,091 | €51,065 | ▼ 58.5% |
| Advances received on contracts in progress46 | - | - | - | €16,701 | - | - |
| Taxes, remuneration and social security45 | - | - | €1,423 | €7,558 | €14,578 | ▲ 92.9% |
| Taxes450/3 | - | - | €1,423 | €7,558 | €14,578 | ▲ 92.9% |
| Other amounts payable47/48 | - | - | - | - | €25,920 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,179 | €1,291 | -€189 | €16,958 | €32,008 | ▲ 88.7% |
| + Depreciation and write-downs630 | €479 | €479 | €118 | €171 | €607 | ▲ 255% |
| Operating cash flow (approximation) | €2,658 | €1,770 | -€71 | €17,129 | €32,615 | ▲ 90.4% |
| Investment in fixed assets (approximation) | - | -€361 | €0 | -€1,350 | -€1,700 | ▼ 25.9% |
| Change in cash | - | -€2,514 | -€71 | €23,539 | €13,686 | ▼ 41.9% |
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
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 320 days late
22-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 631 days late
2023
31-12
Financial
Highest result since 2018net €32,008 ▲88.7%
Operating result €39,318, net result €32,008, both a record.
2022
31-12
Financial
Back to profitnet €16,958
Net result €16,958 after one loss-making year.
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 121 days late
2021
31-12
Financial
Weakest financial yearnet -€189
Net result drops to -€189, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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
Registered office, Waterloo · 1 establishment unit since 2018
Ground area
1,714 m²
Building footprint
328 m²
Volume, LiDAR
2,281 m³
2 parcels, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue Alexandre Dumas 21, 1410 Waterloo
since 20182.277.417.369
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25764O0400/00C000 | Wallonia | 859 m² | 1 · 156 m² | 8.8 m · 2 fl. |
| 25764O0399/00M000 | Wallonia | 855 m² | 1 · 172 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded29-11-2017
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID
0208:0685477521
Also
9925:BE0685477521
Registered
24-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.