B2C Concept
ActiveSummary
B2C Concept has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40,296 and a net result of €1,404. Equity is growing by ~22.3% per year across the filed fiscal years. Its solvency ranks better than 40% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability67▼-18
Solvency74=
Growth59▼-2
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 1.91 against 1.89 in 2024; short-term debt: 51.2% and cash: 13% of total assets), but 51.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 2025Solvency, return and age of the figures
Solvency
48.8%
Return on assets
1.7%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
8 d late
2023
6 d early
2022
53 d early
2021
30 d early
2020
15 d early
2019
54 d late
← 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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€70,659▼ 12.8%
2024 · €81,012
EBIT margin
9.4%▼ 7.4pp
2024 · 16.7%
Net result
€1,404▼ 84.1%
2024 · €8,848
Working capital
€38,721▲ 6.6%
2024 · €36,330
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
Turnover€114,001▼ 5.8%€103,110▼ 9.6%€95,187▼ 7.7%€81,012▼ 14.9%€70,659▼ 12.8%
Operating result€13,339▲ 178%€6,391▼ 52.1%€10,907▲ 70.7%€13,562▲ 24.3%€6,634▼ 51.1%
Net result€6,797▲ 47.1%€1,890▼ 72.2%€5,280▲ 179%€8,848▲ 67.6%€1,404▼ 84.1%
EBIT margin11.7%▲ 7.7pp6.2%▼ 5.5pp11.5%▲ 5.3pp16.7%▲ 5.3pp9.4%▼ 7.4pp
Equity€22,873▲ 42.3%€24,763▲ 8.3%€30,043▲ 21.3%€38,892▲ 29.5%€40,296▲ 3.6%
Total assets€64,646▲ 1.1%€66,282▲ 2.5%€71,383▲ 7.7%€79,676▲ 11.6%€82,631▲ 3.7%
Debt€41,772▼ 12.7%€41,519▼ 0.6%€41,340▼ 0.4%€40,784▼ 1.3%€42,335▲ 3.8%
Working capital€19,585▲ 69.9%€22,501▲ 14.9%€27,089▲ 20.4%€36,330▲ 34.1%€38,721▲ 6.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82,631
Fixed assets
€1,575 ▼ 38.5%
Current assets
€81,055 ▲ 5.1%
Equity and liabilities €82,631
Equity
€40,296 ▲ 3.6%
Debt
€42,335 ▲ 3.8%
Debt's share of the balance-sheet total stays at 51.2%.
Key figures and ratios
EBITDA
€6,920▼
2024 · €13,955
Cash flow
€1,690▼
2024 · €9,241
Current ratio
1.91▲
2024 · 1.89
Quick ratio
1.74▲
2024 · 1.71
Debt to equity
1.05▲
2024 · 1.05
ROE
3.5%▼
2024 · 22.8%
ROA
1.7%▼
2024 · 11.1%
Interest coverage
22.69▼
2024 · 38.63
Debt ≤ 1 year
€42,335▲
2024 · €40,784
Income taxes
€5,451▲
2024 · €5,168
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 |
|---|---|---|---|---|---|---|
| Turnover70 | €114,001 | €103,110 | €95,187 | €81,012 | €70,659 | ▼ 12.8% |
| Goods, raw materials, services and sundry goods60/61 | €92,632 | €89,318 | €76,815 | €65,944 | €62,915 | ▼ 4.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,955 | €6,495 | €6,587 | €392 | €285 | ▼ 27.2% |
| Other operating charges640/8 | €1,075 | €905 | €878 | €1,113 | €825 | ▼ 25.9% |
| Gross operating margin9900 | €21,369 | €13,791 | €18,371 | €15,068 | €7,744 | ▼ 48.6% |
| Operating profit (loss)9901 | €13,339 | €6,391 | €10,907 | €13,562 | €6,634 | ▼ 51.1% |
| Financial income75/76B | €229 | €213 | €11 | €815 | €526 | ▼ 35.5% |
| Recurring financial income75 | €229 | €213 | €11 | €815 | €526 | ▼ 35.5% |
| Non-recurring financial income76B | - | - | - | €815 | €526 | ▼ 35.5% |
| Financial charges65/66B | €547 | €487 | €461 | €361 | €305 | ▼ 15.6% |
| Recurring financial charges65 | €547 | €487 | €461 | €361 | €305 | ▼ 15.6% |
| Profit (loss) for the period before taxes9903 | €13,021 | €6,117 | €10,457 | €14,016 | €6,855 | ▼ 51.1% |
| Income taxes67/77 | €6,224 | €4,227 | €5,177 | €5,168 | €5,451 | ▲ 5.5% |
| Profit (loss) for the period9904 | €6,797 | €1,890 | €5,280 | €8,848 | €1,404 | ▼ 84.1% |
| Profit (loss) for the period to be appropriated9905 | €6,797 | €1,890 | €5,280 | €8,848 | €1,404 | ▼ 84.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €64,646 | €66,282 | €71,383 | €79,676 | €82,631 | ▲ 3.7% |
| Fixed assets21/28 | €14,296 | €7,801 | €2,954 | €2,561 | €1,575 | ▼ 38.5% |
| Tangible fixed assets22/27 | €14,296 | €7,801 | €2,954 | €2,561 | €1,575 | ▼ 38.5% |
| Plant, machinery and equipment23 | - | - | €1,306 | €1,168 | €412 | ▼ 64.7% |
| Furniture and vehicles24 | €13,383 | €6,992 | €600 | €486 | €395 | ▼ 18.7% |
| Other tangible fixed assets26 | €913 | €809 | €1,047 | €908 | €768 | ▼ 15.4% |
| Current assets29/58 | €50,349 | €58,481 | €68,429 | €77,114 | €81,055 | ▲ 5.1% |
| Stocks and contracts in progress3 | €8,139 | €8,139 | €7,348 | €7,348 | €7,348 | = |
| Stocks30/36 | €8,139 | €8,139 | €7,348 | €7,348 | €7,348 | = |
| Amounts receivable within one year40/41 | €24,949 | €23,467 | €29,069 | €39,078 | €62,945 | ▲ 61.1% |
| Trade receivables40 | €9,033 | €6,088 | €9,835 | €5,772 | €4,632 | ▼ 19.7% |
| Other amounts receivable41 | €15,916 | €17,379 | €19,234 | €33,307 | €58,313 | ▲ 75.1% |
| Current investments50/53 | - | - | €20,000 | €20,000 | - | - |
| Cash at bank and in hand54/58 | €17,261 | €26,875 | €12,012 | €10,688 | €10,762 | ▲ 0.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €64,646 | €66,282 | €71,383 | €79,676 | €82,631 | ▲ 3.7% |
| Equity10/15 | €22,873 | €24,763 | €30,043 | €38,892 | €40,296 | ▲ 3.6% |
| Contributions10/11 | €18,498 | €18,498 | €18,498 | €18,498 | €18,498 | = |
| Reserves13 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Non-distributable reserves130/1 | €2,000 | - | - | - | - | - |
| Reserves not available under the articles1311 | €2,000 | - | - | - | - | - |
| Distributable reserves133 | - | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | €2,375 | €4,265 | €9,545 | €18,393 | €19,798 | ▲ 7.6% |
| Amounts payable17/49 | €41,772 | €41,519 | €41,340 | €40,784 | €42,335 | ▲ 3.8% |
| Amounts payable after more than one year17 | €11,008 | €5,539 | - | - | - | - |
| Financial debts170/4 | €11,008 | €5,539 | - | - | - | - |
| Amounts payable within one year42/48 | €30,764 | €35,980 | €41,340 | €40,784 | €42,335 | ▲ 3.8% |
| Current portion of amounts payable after more than one year42 | €5,846 | €5,921 | €5,997 | - | - | - |
| Trade debts44 | €4,202 | €8,760 | €8,952 | €10,908 | €10,351 | ▼ 5.1% |
| Suppliers440/4 | €4,202 | €8,760 | €8,952 | €10,908 | €10,351 | ▼ 5.1% |
| Taxes, remuneration and social security45 | €13,398 | €11,243 | €9,879 | €10,185 | €9,549 | ▼ 6.2% |
| Taxes450/3 | €13,398 | €11,243 | €9,879 | €10,185 | €9,549 | ▼ 6.2% |
| Other amounts payable47/48 | €7,318 | €10,056 | €16,511 | €19,691 | €22,435 | ▲ 13.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,797 | €1,890 | €5,280 | €8,848 | €1,404 | ▼ 84.1% |
| + Depreciation and write-downs630 | €6,955 | €6,495 | €6,587 | €392 | €285 | ▼ 27.2% |
| Operating cash flow (approximation) | €13,752 | €8,385 | €11,866 | €9,241 | €1,690 | ▼ 81.7% |
| Investment in fixed assets (approximation) | - | €0 | -€1,739 | €0 | €701 | - |
| Change in cash | - | €9,614 | -€14,863 | -€1,324 | €74 | ▲ 106% |
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
31-12
Financial
Back to profitnet €12,383
Net result €12,383 after one loss-making year.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 2 days late
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Beaumont
Ground area
1,229 m²
Building footprint
140 m²
Volume, LiDAR
817 m³
Parcel 56005A0675/00S000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56005A0675/00S000 | Wallonia | 1,229 m² | 1 · 140 m² | 7.7 m · 2 fl. |
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 16,901 companies in sector 62100 we hold annual accounts for 8,775. 6,655 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
Founded27-03-2009
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
47400Retail sale of information and communication equipment
73200Market research and public opinion polling
95100Repair and maintenance of computers and communication equipment
96101Personal service activities
Scores and ratios are computed by Checked and are not a credit decision.