BBB CONCEPT
ActiveSummary
The annual accounts of BBB CONCEPT for fiscal year 2025 show a net loss of 51% of total assets and of 75% of the equity at the start of that year. The 2025 annual accounts show equity of €5,317 and a net result of -€16,265. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 39% of 14173 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-46
Solvency42▼-14
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.2 against 1.45 in 2024; short-term debt: 83.2% and cash: 99.3% of total assets), and 83.2% 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
16.8%
Return on assets
-51.3%
Age of the figures
9 mo
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
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
11 d late
2023
37 d early
2022
5 d early
2021
52 d early
2020
2 d late
2019
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
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
Equity
€5,317▼ 75.4%
2024 · €21,582
Total assets
€31,731▼ 54.1%
2024 · €69,185
Net result
-€16,265
2024 · €2,295
Working capital
€5,317▼ 75.4%
2024 · €21,582
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
Operating result€32,992▲ 94.6%€26,070▼ 21.0%€9,456▼ 63.7%€5,293▼ 44.0%-€14,700
Net result€32,799▲ 94.7%€23,101▼ 29.6%€1,771▼ 92.3%€2,295▲ 29.6%-€16,265
Equity-€5,585▲ 85.4%€17,516€19,287▲ 10.1%€21,582▲ 11.9%€5,317▼ 75.4%
Total assets€75,182▲ 45.6%€97,814▲ 30.1%€85,136▼ 13.0%€69,185▼ 18.7%€31,731▼ 54.1%
Debt€80,767▼ 10.3%€80,298▼ 0.6%€65,849▼ 18.0%€47,603▼ 27.7%€26,414▼ 44.5%
Working capital-€5,950▲ 81.9%€20,834€19,287▼ 7.4%€21,582▲ 11.9%€5,317▼ 75.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14,700 after €5,293 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €31,731
Equity
€5,317 ▼ 75.4%
Debt
€26,414 ▼ 44.5%
Debt's share of the balance-sheet total rises from 68.8% to 83.2%. Equity and debt are lower.
Key figures and ratios
Current ratio
1.20▼
2024 · 1.45
Debt to equity
4.97▲
2024 · 2.21
ROE
-305.9%▼
2024 · 10.6%
ROA
-51.3%▼
2024 · 3.3%
Debt ≤ 1 year
€26,414▼
2024 · €47,603
Income taxes
€1,473▼
2024 · €2,830
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €607 | €365 | - | - | - | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €10,174 | €10,174 | - | - | - | - |
| Other operating charges640/8 | - | €89 | - | - | - | - |
| Gross operating margin9900 | €43,773 | €36,698 | €9,456 | €5,293 | -€14,700 | ▼ 378% |
| Operating profit (loss)9901 | €32,992 | €26,070 | €9,456 | €5,293 | -€14,700 | ▼ 378% |
| Financial income75/76B | - | €60 | - | - | - | - |
| Recurring financial income75 | - | €60 | - | - | - | - |
| Non-recurring financial income76B | - | €60 | - | - | - | - |
| Financial charges65/66B | €193 | €188 | €172 | €168 | €92 | ▼ 45.2% |
| Recurring financial charges65 | €193 | €188 | €172 | €168 | €92 | ▼ 45.2% |
| Profit (loss) for the period before taxes9903 | €32,799 | €25,942 | €9,284 | €5,125 | -€14,792 | ▼ 389% |
| Income taxes67/77 | - | €2,841 | €7,513 | €2,830 | €1,473 | ▼ 48.0% |
| Profit (loss) for the period9904 | €32,799 | €23,101 | €1,771 | €2,295 | -€16,265 | ▼ 809% |
| Profit (loss) for the period to be appropriated9905 | €32,799 | €23,101 | €1,771 | €2,295 | -€16,265 | ▼ 809% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €75,182 | €97,814 | €85,136 | €69,185 | €31,731 | ▼ 54.1% |
| Fixed assets21/28 | €365 | - | - | - | - | - |
| Tangible fixed assets22/27 | €365 | - | - | - | - | - |
| Furniture and vehicles24 | €365 | - | - | - | - | - |
| Current assets29/58 | €74,817 | €97,814 | €85,136 | €69,185 | €31,731 | ▼ 54.1% |
| Stocks and contracts in progress3 | €10,175 | - | - | - | - | - |
| Stocks30/36 | €10,175 | - | - | - | - | - |
| Amounts receivable within one year40/41 | - | €3 | - | €128 | €208 | ▲ 62.5% |
| Trade receivables40 | - | - | - | - | €208 | - |
| Other amounts receivable41 | - | €3 | - | €128 | - | - |
| Cash at bank and in hand54/58 | €64,642 | €97,811 | €85,136 | €69,057 | €31,523 | ▼ 54.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €75,182 | €97,814 | €85,136 | €69,185 | €31,731 | ▼ 54.1% |
| Equity10/15 | -€5,585 | €17,516 | €19,287 | €21,582 | €5,317 | ▼ 75.4% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €167,409 | €167,409 | €167,409 | €167,409 | €167,409 | = |
| Tax-exempt reserves132 | €167,409 | €167,409 | €167,409 | €167,409 | €167,409 | = |
| Profit (loss) carried forward14 | -€191,594 | -€168,493 | -€166,722 | -€164,427 | -€180,692 | ▼ 9.9% |
| Amounts payable17/49 | €80,767 | €80,298 | €65,849 | €47,603 | €26,414 | ▼ 44.5% |
| Amounts payable within one year42/48 | €80,767 | €76,980 | €65,849 | €47,603 | €26,414 | ▼ 44.5% |
| Trade debts44 | €533 | €2,745 | €8,369 | €30 | €2,249 | ▲ 7,397% |
| Suppliers440/4 | €533 | €2,745 | €8,369 | €30 | €2,249 | ▲ 7,397% |
| Taxes, remuneration and social security45 | €5,447 | €3,922 | €1,162 | €465 | €154 | ▼ 66.9% |
| Taxes450/3 | €5,447 | €3,922 | €1,162 | €465 | €154 | ▼ 66.9% |
| Other amounts payable47/48 | €74,787 | €70,313 | €56,318 | €47,108 | €24,011 | ▼ 49.0% |
| Accrued charges and deferred income492/3 | - | €3,318 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €32,799 | €23,101 | €1,771 | €2,295 | -€16,265 | ▼ 809% |
| + Depreciation and write-downs630 | €607 | €365 | - | - | - | - |
| Operating cash flow (approximation) | €33,406 | €23,466 | €1,771 | €2,295 | -€16,265 | ▼ 809% |
| Change in cash | - | €33,169 | -€12,675 | -€16,079 | -€37,534 | ▼ 133% |
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€16,265
Net result drops to -€16,265, the lowest in the series.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Oudergem · 1 establishment unit since 2012
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.
Tervuurse steenweg 1131160 OudergemGround area
4,678 m²
Building footprint
1,665 m²
Volume, LiDAR
8,084 m³
Parcel 25763L0374/00F000, Wallonia · tallest building 5.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Bruxelles 193, 1410 Waterloo
since 20122.209.058.994
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763L0374/00F000 | Wallonia | 4,678 m² | 1 · 1,665 m² | 5.7 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 9,699 companies in sector 68121 we hold annual accounts for 7,384. 2,306 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 (pre-2019)
Founded11-01-2012
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
68122Development of non-residential building projects
46190Agents in non-specialised wholesale trade
47559Retail sale of other household articles
47690Retail sale of other cultural and recreation goods
47784Retail sale of souvenirs and religious articles
Scores and ratios are computed by Checked and are not a credit decision.