BILD CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of BILD CONCEPT is 2.7% (moderate). The 2024 annual accounts show equity of €80k and a net result of €47k. Its solvency ranks better than 14% of 36375 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability62▼-31
Solvency34▼-36
Growth85
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity tight (current ratio 1.09 against 1.73 in 2023; short-term debt: 91.2% and cash: 0% of total assets), and 91.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 36375 sector peers (2024).
NBB · sector comparisonPosition among 36375 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
71 d late
2023
293 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€1.56M▲ 424%
2023 · €298k
2023: €298k
2024: €1.56M▲ +424% vs 2023
2023 → 2024
EBIT margin
3.9%▼ 10.2pp
2023 · 14.1%
2023: 14.1%
2024: 3.9%▼ -72.5% vs 2023
2023 → 2024
Net result
€47k▲ 40.0%
2023 · €34k
2023: €34k
2024: €47k▲ +40.0% vs 2023
2023 → 2024
Working capital
€75k▲ 148%
2023 · €30k
2023: €30k
2024: €75k▲ +148% vs 2023
2023 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Turnover€298k-€1.56M▲ 424%
2023: €298k
2024: €1.56M▲ +424% vs 2023
Equity€34k-€80k▲ 140%
2023: €34k
2024: €80k▲ +140% vs 2023
Operating result€42k-€60k▲ 44.0%
2023: €42k
2024: €60k▲ +44.0% vs 2023
Net result€34k-€47k▲ 40.0%
2023: €34k
2024: €47k▲ +40.0% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 44% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €909k
Fixed assets
€6k ▲ 69.6%
Current assets
€903k ▲ 1,165%
Equity and liabilities €909k
Equity
€80k ▲ 140%
Debt
€829k ▲ 1,906%
Debt's share of the balance-sheet total rises from 55.2% to 91.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62k▲
2023 · €43k
Cash flow
€48k▲
2023 · €35k
Current ratio
1.09▼
2023 · 1.73
Debt to equity
10.30▲
2023 · 1.23
ROE
58.3%▼
2023 · 100.0%
ROA
5.2%▼
2023 · 44.8%
Interest coverage
84.69▼
2023 · 3751.52
Debt ≤ 1 year
€829k▲
2023 · €41k
Income taxes
€13k▲
2023 · €8k
Staff costs
€284▼
2023 · €956
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 35 lines
Balance sheet
Code20232024
Assets
Total assets20/58€75k€909k▲
Fixed assets21/28€3k€6k▲
Tangible fixed assets22/27€3k€6k▲
Furniture and vehicles24€3k€6k▲
Current assets29/58€71k€903k▲
Amounts receivable within one year40/41€70k€903k▲
Trade receivables40€57k€878k▲
Other amounts receivable41€14k€25k▲
Cash at bank and in hand54/58€1k€29▼
Deferred charges and accrued income490/1-€68
Equity and liabilities
Total equity and liabilities10/49€75k€909k▲
Equity10/15€34k€80k▲
Profit (loss) carried forward14€34k€80k▲
Amounts payable17/49€41k€829k▲
Amounts payable within one year42/48€41k€829k▲
Trade debts44€33k€807k▲
Suppliers440/4€33k€807k▲
Taxes, remuneration and social security45€8k€21k▲
Taxes450/3€8k€21k▲
Income statement
Code20232024
Turnover70€298k€1.56M▲
Non-recurring operating income76A€344€4k▲
Goods, raw materials, services and sundry goods60/61€254k€1.50M▲
Remuneration, social security and pensions62€956€284▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€114€882▲
Gross operating margin9900€44k€63k▲
Operating profit (loss)9901€42k€60k▲
Financial charges65/66B€11€728▲
Recurring financial charges65€11€728▲
Profit (loss) for the period before taxes9903€42k€60k▲
Income taxes67/77€8k€13k▲
Profit (loss) for the period9904€34k€47k▲
Profit (loss) for the period to be appropriated9905€34k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€80k▲
Profit (loss) brought forward from the previous period14P-€34k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Turnover70 | €298k | €1.56M | ▲ 424% |
| Non-recurring operating income76A | €344 | €4k | ▲ 1,144% |
| Goods, raw materials, services and sundry goods60/61 | €254k | €1.50M | ▲ 492% |
| Remuneration, social security and pensions62 | €956 | €284 | ▼ 70.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €1k | ▲ 10.0% |
| Other operating charges640/8 | €114 | €882 | ▲ 674% |
| Gross operating margin9900 | €44k | €63k | ▲ 42.4% |
| Operating profit (loss)9901 | €42k | €60k | ▲ 44.0% |
| Financial charges65/66B | €11 | €728 | ▲ 6,243% |
| Recurring financial charges65 | €11 | €728 | ▲ 6,243% |
| Profit (loss) for the period before taxes9903 | €42k | €60k | ▲ 42.4% |
| Income taxes67/77 | €8k | €13k | ▲ 51.8% |
| Profit (loss) for the period9904 | €34k | €47k | ▲ 40.0% |
| Profit (loss) for the period to be appropriated9905 | €34k | €47k | ▲ 40.0% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €75k | €909k | ▲ 1,115% |
| Fixed assets21/28 | €3k | €6k | ▲ 69.6% |
| Tangible fixed assets22/27 | €3k | €6k | ▲ 69.6% |
| Furniture and vehicles24 | €3k | €6k | ▲ 69.6% |
| Current assets29/58 | €71k | €903k | ▲ 1,165% |
| Amounts receivable within one year40/41 | €70k | €903k | ▲ 1,185% |
| Trade receivables40 | €57k | €878k | ▲ 1,449% |
| Other amounts receivable41 | €14k | €25k | ▲ 86.3% |
| Cash at bank and in hand54/58 | €1k | €29 | ▼ 97.5% |
| Deferred charges and accrued income490/1 | - | €68 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €75k | €909k | ▲ 1,115% |
| Equity10/15 | €34k | €80k | ▲ 140% |
| Profit (loss) carried forward14 | €34k | €80k | ▲ 140% |
| Amounts payable17/49 | €41k | €829k | ▲ 1,906% |
| Amounts payable within one year42/48 | €41k | €829k | ▲ 1,906% |
| Trade debts44 | €33k | €807k | ▲ 2,357% |
| Suppliers440/4 | €33k | €807k | ▲ 2,357% |
| Taxes, remuneration and social security45 | €8k | €21k | ▲ 152% |
| Taxes450/3 | €8k | €21k | ▲ 152% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €34k | €47k | ▲ 40.0% |
| + Depreciation and write-downs630 | €1k | €1k | ▲ 10.0% |
| Operating cash flow (approximation) | €35k | €48k | ▲ 39.0% |
| Investment in fixed assets (approximation) | - | €-4k | - |
| Change in cash | - | €-1k | - |
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
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
20-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 293 days late
NBB filing
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Sint-Pieters-Leeuw · 1 establishment unit since 2022
Ground area
1,638 m²
Building footprint
398 m²
Volume, LiDAR
3,212 m³
Parcel 23077A0118/00W082, Flanders · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
510
companies at this address
See who is registered here
1 establishment unit
BILD CONCEPT
since 20222.337.429.388
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23077A0118/00W082 | Flanders | 1,638 m² | 1 · 398 m² | 9.5 m · 3 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.
Similar companies · same sector, comparable size
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N.P. CONSTRUCT
BE 0560.810.052
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BAR FLOR
BE 0771.943.519
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TerrAni
BE 0719.376.645
Puurs-Sint-Amands · Eq €80,467
Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 6,235 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
Founded26-10-2022
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43230Insulation installation
43410Roofing work
49420Removal services
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Scores and ratios are computed by Checked and are not a credit decision.