BDS CONCEPT
ActiveBDS CONCEPT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84k and a net result of €-7k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 84% of 7684 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.11 against 2.65 in 2024), and 23.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€7k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 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 · 7 filingsDeviation from the deadline
2025
39 d late
2024
46 d late
2023
63 d late
2022
122 d late
2021
28 d late
2020
31 d late
2019
47 d late
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€84k▼ 7.4%
2024 · €90k
2019: €6k
2020: €-10k
2021: €5k
2022: €59k
2023: €95k
2024: €90k
2019 → 2025
Total assets
€110k▲ 3.4%
2024 · €106k
2019: €53k
2020: €4k
2021: €16k
2022: €80k
2023: €107k
2024: €106k
2019 → 2025
Net result
€-7k▼ 45.2%
2024 · €-5k
2019: €-14k
2020: €-17k
2021: €15k
2022: €55k
2023: €36k
2024: €-5k
2019 → 2025
Working capital
€29k▲ 10.6%
2024 · €26k
2019: €3k
2020: €-11k
2021: €4k
2022: €7k
2023: €32k
2024: €26k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€59k▲ 1,176%€95k▲ 60.2%€90k▼ 4.8%€84k▼ 7.4%
Operating result€16k-€58k▲ 268%€37k▼ 35.8%€15k▼ 60.3%€8k▼ 43.7%
Net result€15k-€55k▲ 261%€36k▼ 34.7%€-5k€-7k▼ 45.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 44% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110k
Fixed assets
€55k▼ 14.8%
Current assets
€56k▲ 31.0%
Equity and liabilities €110k
Equity
€84k▼ 7.4%
Debt
€26k▲ 64.5%
The debt ratio rises from 15.0% to 23.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€18k▼
2024 · €24k
Cash flow
€3k▼
2024 · €5k
Solvency
76.1%▼
2024 · 85.0%
Current ratio
2.11▼
2024 · 2.65
Quick ratio
2.11▼
2024 · 2.65
Debt / equity
0.31▲
2024 · 0.18
ROE
-8.0%▼
2024 · -5.1%
ROA
-6.1%▼
2024 · -4.3%
Interest coverage
11.07▲
2024 · 10.59
Debt
€26k▲
2024 · €16k
Debt ≤ 1 year
€26k▲
2024 · €16k
Income taxes
€13k▼
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€106k€110k▲
Fixed assets21/28€64k€55k▼
Tangible fixed assets22/27€64k€55k▼
Plant, machinery and equipment23€59k€50k▼
Furniture and vehicles24€5k€4k▼
Current assets29/58€42k€56k▲
Amounts receivable within one year40/41€31k€55k▲
Trade receivables40€13k€38k▲
Other amounts receivable41€17k€17k=
Cash at bank and in hand54/58€12k€161▼
Equity and liabilities
Total equity and liabilities10/49€106k€110k▲
Equity10/15€90k€84k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€70k€63k▼
Amounts payable17/49€16k€26k▲
Amounts payable within one year42/48€16k€26k▲
Trade debts44€8k€10k▲
Suppliers440/4€8k€10k▲
Taxes, remuneration and social security45€7k€17k▲
Taxes450/3€7k€17k▲
Other amounts payable47/48€865€35▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€6k€4k▼
Gross operating margin9900€30k€22k▼
Operating profit (loss)9901€15k€8k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€13k€7k▼
Income taxes67/77€17k€13k▼
Profit (loss) for the period9904€-5k€-7k▼
Profit (loss) for the period to be appropriated9905€-5k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€63k▼
Profit (loss) brought forward from the previous period14P€75k€70k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 39 days late
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 46 days late
2024
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 63 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 3.72
Current ratio from 1.31 to 3.72; short-term debt falls from €21k to €12k.
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 122 days late
2022
31-12
Financial
Highest result since 2019net €55k ▲261%
Operating result €58k, net result €55k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 28 days late
2021
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
31-12
Financial
Liquidity times 6current ratio 1.39
Current ratio from 0.22 to 1.39; short-term debt falls from €15k to €11k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 47 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mechelen · 1 establishment unit since 2018
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.
Elektriciteitstraat 402800 MechelenGround area
132 m²
Building footprint
76 m²
Volume, LiDAR
383 m³
Parcel 12402B0483/00H000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BENNY'S SCHILDERWERKEN
since 20182.281.264.509
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12402B0483/00H000 | Flanders | 132 m² | 1 · 76 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 555 EUR awarded · 555 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 555 EUR | 555 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,814 companies in sector 43341 we hold annual accounts for 2,639. 2,283 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2018
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.