BD CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of BD CONCEPT is 1.5% (moderate). The 2025 annual accounts show negative equity (-€16,351) and a net result of -€13,090. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability11▲+2
Solvency17▼-7
Growth32=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.0 against 0.01 in 2024; short-term debt: 95.1% and cash: 0% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-7.7%
Return on assets
-6.2%
Age of the figures
15 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€16,351
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
9 d early
2022
4 d early
2021
3 d early
2020
2 d early
2019
16 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 5 days before 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 (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€16,351▼ 401%
2024 · -€3,261
Total assets
€212,394▼ 2.4%
2024 · €217,667
Net result
-€13,090▲ 19.9%
2024 · -€16,341
Working capital
-€201,194▼ 10.2%
2024 · -€182,540
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€7,908▼ 32.4%€7,686▼ 2.8%-€29-€13,684▼ 47,020%-€10,990▲ 19.7%
Net result€3,883▼ 63.9%-€1,266-€3,224▼ 155%-€16,341▼ 407%-€13,090▲ 19.9%
Equity€17,570▲ 28.4%€16,304▼ 7.2%€13,080▼ 19.8%-€3,261-€16,351▼ 401%
Total assets€231,503▼ 2.7%€228,594▼ 1.3%€221,962▼ 2.9%€217,667▼ 1.9%€212,394▼ 2.4%
Debt€213,933▼ 4.6%€212,290▼ 0.8%€208,882▼ 1.6%€220,927▲ 5.8%€228,745▲ 3.5%
Working capital-€147,816-€161,124▼ 9.0%-€182,540▼ 13.3%-€201,194▼ 10.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10,990 in 2025 against €13,684 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €212,394
Fixed assets
€211,514 ▼ 2.3%
Current assets
€879 ▼ 23.9%
Key figures and ratios
EBITDA
-€5,993▲
2024 · -€8,687
Cash flow
-€8,093▲
2024 · -€11,344
Solvency
-7.7%▼
2024 · -1.5%
Current ratio
0.00▼
2024 · 0.01
Debt to equity
-13.99▲
2024 · -67.75
ROA
-6.2%▲
2024 · -7.5%
Interest coverage
-2.85▲
2024 · -3.27
Debt ≤ 1 year
€202,073▲
2024 · €183,696
Debt > 1 year
€26,671▼
2024 · €37,232
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 | €4,997 | €4,997 | €4,997 | €4,997 | €4,997 | = |
| Other operating charges640/8 | - | €2,190 | €2,235 | €2,453 | €2,539 | ▲ 3.5% |
| Gross operating margin9900 | €12,905 | €14,873 | €7,203 | -€6,234 | -€3,454 | ▲ 44.6% |
| Operating profit (loss)9901 | €7,908 | €7,686 | -€29 | -€13,684 | -€10,990 | ▲ 19.7% |
| Financial income75/76B | - | €0 | - | - | - | - |
| Recurring financial income75 | €18 | €0 | - | - | - | - |
| Financial charges65/66B | - | €8,952 | €3,195 | €2,657 | €2,100 | ▼ 21.0% |
| Recurring financial charges65 | €4,043 | €8,952 | €3,195 | €2,657 | €2,100 | ▼ 21.0% |
| Profit (loss) for the period before taxes9903 | €3,883 | -€1,266 | -€3,224 | -€16,341 | -€13,090 | ▲ 19.9% |
| Profit (loss) for the period9904 | €3,883 | -€1,266 | -€3,224 | -€16,341 | -€13,090 | ▲ 19.9% |
| Profit (loss) for the period to be appropriated9905 | €3,883 | -€1,266 | -€3,224 | -€16,341 | -€13,090 | ▲ 19.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €231,503 | €228,594 | €221,962 | €217,667 | €212,394 | ▼ 2.4% |
| Fixed assets21/28 | €231,503 | €226,505 | €221,508 | €216,511 | €211,514 | ▼ 2.3% |
| Tangible fixed assets22/27 | €105,503 | €100,505 | €95,508 | €90,511 | €85,514 | ▼ 5.5% |
| Land and buildings22 | - | €100,505 | €95,508 | €90,511 | €85,514 | ▼ 5.5% |
| Financial fixed assets28 | €126,000 | €126,000 | €126,000 | €126,000 | €126,000 | = |
| Current assets29/58 | - | €2,089 | €454 | €1,155 | €879 | ▼ 23.9% |
| Cash at bank and in hand54/58 | - | €1,680 | €0 | €685 | €0 | ▼ 100% |
| Deferred charges and accrued income490/1 | - | €409 | €454 | €470 | €879 | ▲ 87.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €231,503 | €228,594 | €221,962 | €217,667 | €212,394 | ▼ 2.4% |
| Equity10/15 | €17,570 | €16,304 | €13,080 | -€3,261 | -€16,351 | ▼ 401% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Profit (loss) carried forward14 | €5,170 | €3,904 | €680 | -€15,661 | -€28,751 | ▼ 83.6% |
| Amounts payable17/49 | €213,933 | €212,290 | €208,882 | €220,927 | €228,745 | ▲ 3.5% |
| Amounts payable after more than one year17 | €76,005 | €62,386 | €47,305 | €37,232 | €26,671 | ▼ 28.4% |
| Financial debts170/4 | - | €62,386 | €47,305 | €37,232 | €26,671 | ▼ 28.4% |
| Amounts payable within one year42/48 | €137,928 | €149,904 | €161,577 | €183,696 | €202,073 | ▲ 10.0% |
| Current portion of amounts payable after more than one year42 | - | €13,619 | €9,965 | €10,073 | €11,100 | ▲ 10.2% |
| Trade debts44 | - | €348 | €695 | €2,815 | €3,714 | ▲ 31.9% |
| Suppliers440/4 | - | €348 | €695 | €2,815 | €3,714 | ▲ 31.9% |
| Other amounts payable47/48 | - | €135,938 | €150,917 | €170,807 | €187,259 | ▲ 9.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,883 | -€1,266 | -€3,224 | -€16,341 | -€13,090 | ▲ 19.9% |
| + Depreciation and write-downs630 | €4,997 | €4,997 | €4,997 | €4,997 | €4,997 | = |
| Operating cash flow (approximation) | €8,880 | €3,732 | €1,773 | -€11,344 | -€8,093 | ▲ 28.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | - | -€1,680 | €685 | -€685 | ▼ 200% |
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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet -€16,341
Net result drops to -€16,341, the lowest in the series; recovery starts the following year.
22-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €10,746
Net result €10,746 after one loss-making year.
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
20-12
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 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Houyet · 1 establishment unit since 2005
Ground area
494 m²
Building footprint
78 m²
Parcel 91033E0115/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
BD CONCEPT
since 20052.148.615.821
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91033E0115/00E000 | Wallonia | 494 m² | 1 · 78 m² | - |
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.
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded22-07-2005
Fiscal year end30-06
Contact
Phone
0473/627898Houyet
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.