BDS CONCEPT
ActiveThe file of BDS CONCEPT contains 2 historical bankruptcy publications, as published in the Belgian State Gazette.
Summary
The computed 12-month bankruptcy probability is 1.3% (low). The 2024 annual accounts show equity of €65k and a net result of €-17k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 84% of 9982 sector peers (fiscal year 2024).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-100
Solvency100=
Growth52▼-26
Track record85
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity ample (current ratio 3.99 against 4.3 in 2023; short-term debt: 25.1% and cash: 0.2% of total assets), and 25.1% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more 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 2024Solvency, return and age of the figures
Solvency
74.9%
Return on assets
-19.5%
Age of the figures
21 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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
292 d late
2022
65 d late
2021
106 d late
2020
135 d late
2019
84 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Financials · fiscal year 2024, micro schema
Equity
€65k▼ 20.7%
2023 · €82k
Total assets
€86k▼ 18.7%
2023 · €106k
Net result
€-17k
2023 · €58k
Working capital
€65k▼ 20.7%
2023 · €82k
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
Line20202021202220232024
Operating result€-22k€-34k▼ 53.0%€6k€69k▲ 1,039%€-15k
Net result€-18k€-32k▼ 83.1%€6k€58k▲ 859%€-17k
Equity€50k▼ 26.0%€18k▼ 64.4%€24k▲ 33.9%€82k▲ 243%€65k▼ 20.7%
Total assets€154k▼ 2.9%€104k▼ 32.9%€82k▼ 20.9%€106k▲ 29.8%€86k▼ 18.7%
Debt€104k▲ 14.2%€86k▼ 17.8%€58k▼ 32.3%€25k▼ 57.5%€22k▼ 12.3%
Working capital€54k▼ 11.0%€16k▼ 71.0%€24k▲ 51.1%€82k▲ 244%€65k▼ 20.7%
Staff (FTE)0.9▲ 50.0%0.3▼ 66.7%
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 2024: a loss of €15k after €69k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €86k
Equity
€65k ▼ 20.7%
Debt
€22k ▼ 12.3%
Debt's share of the balance-sheet total rises from 23.2% to 25.1%. Equity and debt are lower.
Key figures and ratios
Current ratio
3.99▼
2023 · 4.30
Debt to equity
0.33▲
2023 · 0.30
ROE
-26.1%▼
2023 · 70.8%
ROA
-19.5%▼
2023 · 54.4%
Debt ≤ 1 year
€22k▼
2023 · €25k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €16k | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €3k | €3k | - | - | - |
| Gross operating margin9900 | €3k | €-15k | €9k | €69k | €-15k | ▼ 121% |
| Operating profit (loss)9901 | €-22k | €-34k | €6k | €69k | €-15k | ▼ 121% |
| Financial income75/76B | - | €2k | - | - | €144 | - |
| Recurring financial income75 | €5k | €2k | - | - | €144 | - |
| Financial charges65/66B | - | €737 | €39 | €1k | €2k | ▲ 101% |
| Recurring financial charges65 | €186 | €737 | €39 | €1k | €2k | ▲ 101% |
| Profit (loss) for the period before taxes9903 | €-18k | €-32k | €6k | €68k | €-17k | ▼ 125% |
| Income taxes67/77 | - | - | - | €10k | - | - |
| Profit (loss) for the period9904 | €-18k | €-32k | €6k | €58k | €-17k | ▼ 129% |
| Profit (loss) for the period to be appropriated9905 | €-18k | €-32k | €6k | €58k | €-17k | ▼ 129% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €154k | €104k | €82k | €106k | €86k | ▼ 18.7% |
| Fixed assets21/28 | €5k | €3k | €60 | - | - | - |
| Tangible fixed assets22/27 | €5k | €3k | - | - | - | - |
| Plant, machinery and equipment23 | - | €1k | - | - | - | - |
| Furniture and vehicles24 | - | €1k | - | - | - | - |
| Financial fixed assets28 | €60 | €60 | €60 | - | - | - |
| Current assets29/58 | €149k | €101k | €82k | €106k | €86k | ▼ 18.7% |
| Stocks and contracts in progress3 | €32k | - | - | - | - | - |
| Amounts receivable within one year40/41 | €108k | €100k | €80k | €101k | €86k | ▼ 14.2% |
| Trade receivables40 | - | €78k | €78k | €98k | €84k | ▼ 14.2% |
| Other amounts receivable41 | - | €22k | €2k | €2k | €2k | ▼ 10.5% |
| Cash at bank and in hand54/58 | €9k | €905 | €2k | €6k | €149 | ▼ 97.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €154k | €104k | €82k | €106k | €86k | ▼ 18.7% |
| Equity10/15 | €50k | €18k | €24k | €82k | €65k | ▼ 20.7% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | - | €19k | €19k | - | - | - |
| Issued capital100 | - | €19k | €19k | - | - | - |
| Reserves13 | €11k | €11k | €11k | €11k | €11k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €2k | €2k | = |
| Tax-exempt reserves132 | - | €10k | €10k | €10k | €10k | = |
| Profit (loss) carried forward14 | €20k | €-13k | €-7k | €51k | €34k | ▼ 33.0% |
| Amounts payable17/49 | €104k | €86k | €58k | €25k | €22k | ▼ 12.3% |
| Amounts payable within one year42/48 | €95k | €85k | €58k | €25k | €22k | ▼ 12.3% |
| Trade debts44 | €34k | €38k | €25k | €8k | €12k | ▲ 46.7% |
| Suppliers440/4 | - | €38k | €25k | €8k | €12k | ▲ 46.7% |
| Taxes, remuneration and social security45 | - | €20k | €20k | €10k | €8k | ▼ 21.7% |
| Taxes450/3 | - | €6k | €6k | €10k | €8k | ▼ 21.7% |
| Remuneration and social security454/9 | - | €15k | €15k | - | - | - |
| Other amounts payable47/48 | - | €27k | €13k | €6k | €1k | ▼ 78.2% |
| Accrued charges and deferred income492/3 | - | €600 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-18k | €-32k | €6k | €58k | €-17k | ▼ 129% |
| + Depreciation and write-downs630 | €3k | €3k | €3k | - | - | - |
| Operating cash flow (approximation) | €-15k | €-30k | €9k | €58k | €-17k | ▼ 129% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €-8k | €1k | €4k | €-6k | ▼ 248% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
19-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 292 days late
2023
31-12
Financial
Highest result since 2018net €58k ▲859%
Operating result €69k, net result €58k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.30
Current ratio from 1.41 to 4.30; short-term debt falls from €58k to €25k.
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
14-11
Bankruptcy
Bankruptcy reversal
Tribunal de l’entreprise du Hainaut, division Charleroi · event 31-10-2022
14-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 106 days late
16-09
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Charleroi · event 12-09-2022
2021
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
13-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 135 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
Show earlier events
2019
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 48 days late
2018
02-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 63 days late
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 11 acts read
About the unread acts
We know of 11 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
11 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, Binche · 1 establishment unit since 2014
Ground area
76 m²
Building footprint
39 m²
Volume, LiDAR
459 m³
Parcel 56011B0810/00F000, Wallonia · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BDS CONCEPT
since 20142.231.916.946
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56011B0810/00F000 | Wallonia | 76 m² | 1 · 39 m² | 13.1 m · 4 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | MELANIE HARVENGT RUE DE ROBIANO 74,
7130 BINCHE- .
Date provisoire de cessation de paiement : 12/09/2022 |
12-09-2022 → 31-10-2022 |
Similar companies · same sector, comparable size
APS CONSTRUCT
BE 0807.847.870
Sint-Agatha-Berchem · Eq €64,761
H MADE
BE 0687.882.527
Fontaine-l'Evêque · Eq €64,787
RENO CONCEPT
BE 0768.950.969
Zaventem · Eq €64,701
AGRIPPA
BE 0835.321.834
Grobbendonk · Eq €64,701
BRUNO
BE 0466.774.589
La Louvière · Eq €64,676
Of 29,787 companies in sector 41001 we hold annual accounts for 16,036. 13,191 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)
Founded17-03-2014
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43110Demolition
43120Site preparation
43130Specialised construction activities
43223Specialised construction activities
43910Bricklaying and masonry work
Scores and ratios are computed by Checked and are not a credit decision.