BI CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of BI CONCEPT is 11.0% (high). The 2025 annual accounts show negative equity (€-41k) and a net result of €-9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 3705 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
11.0%
High
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.09 against 0.26 in 2024; short-term debt: 267.7% and cash: 2.1% of total assets), and equity is negative.
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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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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 · 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
-167.7%
Return on assets
-37.4%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-41k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
111 d late
2023
92 d late
2022
31 d late
2021
32 d late
2020
92 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-41k▼ 28.7%
2024 · €-31k
Total assets
€24k▼ 40.6%
2024 · €41k
Net result
€-9k▲ 82.1%
2024 · €-50k
Working capital
€-59k▼ 10.0%
2024 · €-54k
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€31k€29k▼ 6.6%€3k▼ 89.1%€-47k€-9k▲ 81.1%
Net result€31k€-12k€3k€-50k€-9k▲ 82.1%
Equity€28k€16k▼ 42.1%€19k▲ 16.0%€-31k€-41k▼ 28.7%
Total assets€40k▲ 341%€46k▲ 15.7%€115k▲ 152%€41k▼ 64.7%€24k▼ 40.6%
Debt€11k▲ 0.2%€29k▲ 160%€96k▲ 228%€72k▼ 25.1%€65k▼ 10.4%
Working capital€24k€-20k€-12k▲ 39.4%€-54k▼ 332%€-59k▼ 10.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €47k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €24k
Fixed assets
€18k ▼ 16.8%
Current assets
€6k ▼ 68.7%
Key figures and ratios
EBITDA
€-5k▲
2024 · €-38k
Cash flow
€-5k▲
2024 · €-41k
Solvency
-167.7%▼
2024 · -77.4%
Current ratio
0.09▼
2024 · 0.26
Quick ratio
0.02▼
2024 · 0.19
Debt to equity
-1.60▲
2024 · -2.29
ROA
-37.4%▲
2024 · -123.9%
Interest coverage
-33.65▲
2024 · -249.61
Debt ≤ 1 year
€65k▼
2024 · €72k
Staff costs
€27k▲
2024 · €22k
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €8k | €12k | €23k | €22k | €27k | ▲ 22.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €471 | €3k | €5k | €9k | €4k | ▼ 60.4% |
| Other operating charges640/8 | €125 | - | €85 | - | - | - |
| Gross operating margin9900 | €39k | €45k | €32k | €-16k | €22k | ▲ 237% |
| Operating profit (loss)9901 | €31k | €29k | €3k | €-47k | €-9k | ▲ 81.1% |
| Financial income75/76B | - | - | €239 | €14 | €32 | ▲ 129% |
| Recurring financial income75 | - | - | €239 | €14 | €32 | ▲ 129% |
| Financial charges65/66B | €122 | €41k | €124 | €151 | €155 | ▲ 2.7% |
| Recurring financial charges65 | €122 | €128 | €124 | €151 | €155 | ▲ 2.7% |
| Non-recurring financial charges66B | - | €40k | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €31k | €-12k | €3k | €-47k | €-9k | ▲ 80.9% |
| Income taxes67/77 | - | - | €627 | €3k | - | - |
| Profit (loss) for the period9904 | €31k | €-12k | €3k | €-50k | €-9k | ▲ 82.1% |
| Profit (loss) for the period to be appropriated9905 | €31k | €-12k | €3k | €-50k | €-9k | ▲ 82.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €40k | €46k | €115k | €41k | €24k | ▼ 40.6% |
| Fixed assets21/28 | €5k | €37k | €31k | €22k | €18k | ▼ 16.8% |
| Tangible fixed assets22/27 | €2k | €34k | €28k | €19k | €15k | ▼ 19.4% |
| Plant, machinery and equipment23 | - | €3k | €2k | €897 | - | - |
| Furniture and vehicles24 | €2k | €5k | €3k | - | - | - |
| Other tangible fixed assets26 | - | €27k | €24k | €18k | €15k | ▼ 15.4% |
| Financial fixed assets28 | €3k | €3k | €3k | €3k | €3k | = |
| Current assets29/58 | €35k | €9k | €84k | €19k | €6k | ▼ 68.7% |
| Stocks and contracts in progress3 | - | €4k | €3k | €5k | €5k | = |
| Stocks30/36 | - | €4k | €3k | €5k | €5k | = |
| Amounts receivable within one year40/41 | - | €1k | €68k | - | €731 | - |
| Trade receivables40 | - | - | €59k | - | - | - |
| Other amounts receivable41 | - | €1k | €9k | - | €731 | - |
| Cash at bank and in hand54/58 | €35k | €4k | €13k | €14k | €506 | ▼ 96.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €40k | €46k | €115k | €41k | €24k | ▼ 40.6% |
| Equity10/15 | €28k | €16k | €19k | €-31k | €-41k | ▼ 28.7% |
| Contributions10/11 | €10k | €10k | €10k | €10k | €10k | = |
| Capital10 | €10k | €10k | €10k | €10k | €10k | = |
| Issued capital100 | €10k | €10k | €10k | €10k | €10k | = |
| Reserves13 | €1k | €1k | €1k | €1k | €1k | = |
| Non-distributable reserves130/1 | €1k | €1k | €1k | €1k | €1k | = |
| Legal reserve130 | €1k | €1k | €1k | €1k | €1k | = |
| Profit (loss) carried forward14 | €17k | €5k | €8k | €-42k | €-52k | ▼ 21.3% |
| Amounts payable17/49 | €11k | €29k | €96k | €72k | €65k | ▼ 10.4% |
| Amounts payable within one year42/48 | €11k | €29k | €96k | €72k | €65k | ▼ 10.4% |
| Trade debts44 | €6k | €24k | €27k | €25k | €14k | ▼ 45.2% |
| Suppliers440/4 | €6k | €24k | €27k | €25k | €14k | ▼ 45.2% |
| Advances received on contracts in progress46 | - | - | €64k | - | - | - |
| Taxes, remuneration and social security45 | €4k | €5k | €5k | €15k | €10k | ▼ 30.2% |
| Taxes450/3 | €2k | €2k | €3k | €10k | €8k | ▼ 12.8% |
| Remuneration and social security454/9 | €2k | €3k | €2k | €5k | €2k | ▼ 63.0% |
| Other amounts payable47/48 | €2k | - | - | €32k | €41k | ▲ 25.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31k | €-12k | €3k | €-50k | €-9k | ▲ 82.1% |
| + Depreciation and write-downs630 | €471 | €3k | €5k | €9k | €4k | ▼ 60.4% |
| Operating cash flow (approximation) | €31k | €-9k | €8k | €-41k | €-5k | ▲ 87.0% |
| Investment in fixed assets (approximation) | - | €-36k | €0 | €0 | €0 | - |
| Change in cash | - | €-31k | €9k | €2k | €-14k | ▼ 999% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
19-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 111 days late
2024
31-12
Financial
Weakest financial yearnet €-50k
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
01-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 32 days late
2021
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
31-12
Financial
Liquidity times 9current ratio 3.10
Current ratio from 0.35 to 3.10.
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Koekelberg · 1 establishment unit since 2019
Ground area
103 m²
Building footprint
94 m²
Volume, LiDAR
1,109 m³
Parcel 21492B0115/00V025, Brussels · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
MIO MIO
since 20192.300.178.123
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21492B0115/00V025 | Brussels | 103 m² | 1 · 94 m² | 14.6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKoekelberg2.300.178.123
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Of 21,861 companies in sector 56112 we hold annual accounts for 9,773. 8,007 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
Founded16-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
49410Freight transport by road
Scores and ratios are computed by Checked and are not a credit decision.