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BELLA CONCEPT

Active
Private limited companyfounded 20232 yrs activeRue Jean-d'Outremeuse 102, 4020 Liège, BelgiumKBO/BCE: BE 1002.271.405
Summary

The computed 12-month bankruptcy probability of BELLA CONCEPT is 4.6% (elevated). The 2024 annual accounts show equity of €35,120 and a net result of €32,120. Its solvency ranks better than 80% of 18934 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
59 / 100
Fair
An elevated bankruptcy probability caps the score. A confirmed filing finding caps the score. Each of these causes sets the same score on its own. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency90
Growth-
Track record67
Bankruptcy probability, 12 months
4.6% Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.6; short-term debt: 34.7% and cash: 6.5% of total assets), and 34.7% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 1 filing
Deviation from the deadline
2024
92 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 92 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 14 November 2023, BELLA CONCEPT was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€35,120
Total assets
€53,757
Net result
€32,120
Working capital
€29,863

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €53,757
Fixed assets €5,256
Current assets €48,501
Equity and liabilities €53,757
Equity €35,120
Debt €18,638
Debt finances 34.7% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€43,881
Cash flow
€32,953
Current ratio
2.60
Quick ratio
2.57
Debt to equity
0.53
ROE
91.5%
ROA
59.7%
Interest coverage
197.99
Debt ≤ 1 year
€18,638
Income taxes
€10,707
Staff costs
€24,762

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 4.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 35 lines
Balance sheet Code2024
Assets
Total assets20/58€53,757
Fixed assets21/28€5,256
Intangible fixed assets21€1,091
Tangible fixed assets22/27€4,165
Furniture and vehicles24€4,165
Current assets29/58€48,501
Stocks and contracts in progress3€695
Stocks30/36€695
Amounts receivable within one year40/41€44,264
Trade receivables40€5,441
Other amounts receivable41€38,823
Cash at bank and in hand54/58€3,496
Deferred charges and accrued income490/1€46
Equity and liabilities
Total equity and liabilities10/49€53,757
Equity10/15€35,120
Contributions10/11€3,000
Profit (loss) carried forward14€32,120
Amounts payable17/49€18,638
Amounts payable within one year42/48€18,638
Trade debts44€6,008
Suppliers440/4€6,008
Taxes, remuneration and social security45€12,630
Taxes450/3€10,707
Remuneration and social security454/9€1,923
Income statement Code2024
Remuneration, social security and pensions62€24,762
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€834
Gross operating margin9900€68,643
Operating profit (loss)9901€43,048
Financial charges65/66B€222
Recurring financial charges65€222
Profit (loss) for the period before taxes9903€42,826
Income taxes67/77€10,707
Profit (loss) for the period9904€32,120
Profit (loss) for the period to be appropriated9905€32,120
Appropriation of the result
Profit (loss) to be appropriated9906€32,120

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Remuneration, social security and pensions62€24,762
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€834
Gross operating margin9900€68,643
Operating profit (loss)9901€43,048
Financial charges65/66B€222
Recurring financial charges65€222
Profit (loss) for the period before taxes9903€42,826
Income taxes67/77€10,707
Profit (loss) for the period9904€32,120
Profit (loss) for the period to be appropriated9905€32,120
Line2024
Assets
Total assets20/58€53,757
Fixed assets21/28€5,256
Intangible fixed assets21€1,091
Tangible fixed assets22/27€4,165
Furniture and vehicles24€4,165
Current assets29/58€48,501
Stocks and contracts in progress3€695
Stocks30/36€695
Amounts receivable within one year40/41€44,264
Trade receivables40€5,441
Other amounts receivable41€38,823
Cash at bank and in hand54/58€3,496
Deferred charges and accrued income490/1€46
Equity and liabilities
Total equity and liabilities10/49€53,757
Equity10/15€35,120
Contributions10/11€3,000
Profit (loss) carried forward14€32,120
Amounts payable17/49€18,638
Amounts payable within one year42/48€18,638
Trade debts44€6,008
Suppliers440/4€6,008
Taxes, remuneration and social security45€12,630
Taxes450/3€10,707
Remuneration and social security454/9€1,923
Line2024
Profit (loss) for the period9904€32,120
+ Depreciation and write-downs630€834
Operating cash flow (approximation)€32,953

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
31-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
NBB filing
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, Liège · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
132 m²
Building footprint
129 m²
Volume, LiDAR
2,083 m³
Parcel 62808A0959/00H003, Wallonia · tallest building 23.1 m, ±5 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Quick pizza outremeuse
Rue Jean-d'Outremeuse 102, 4020 LiègeLimited-service restaurants
since 20232.354.121.407
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62808A0959/00H003 Wallonia 132 m² 1 · 129 m² 23.1 m · 5 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Liège2.354.121.407
1 permission
Toelating · Eetgelegenheid · since 09-02-2024

Similar companies · same sector, comparable size

Of 21,853 companies in sector 56112 we hold annual accounts for 9,777. 8,434 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
Founded14-11-2023
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1002271405
Registered 27-03-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.