BKP CONCEPT
ActiveSummary
BKP CONCEPT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €51,278 and a net result of €8,484. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 86% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability85▲+7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 4.42 against 4.11 in 2023; short-term debt: 21.8% and cash: 68.3% of total assets), and 21.8% 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○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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
78.2%
Return on assets
12.9%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
31 d early
2024
29 d late
2023
30 d late
2022
29 d late
2021
10 d late
2020
31 d late
2019
88 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 27 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 29 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
Equity
€51,278▲ 19.8%
2023 · €42,793
Total assets
€65,596▲ 19.0%
2023 · €55,101
Net result
€8,484▲ 103%
2023 · €4,177
Working capital
€49,011▲ 28.1%
2023 · €38,274
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€10,341€20,382▲ 97.1%€7,705▼ 62.2%€8,358▲ 8.5%€13,013▲ 55.7%
Net result€9,815within the sector's middle half€15,689within the sector's middle half▲ 59.9%€4,821within the sector's middle half▼ 69.3%€4,177within the sector's middle half▼ 13.4%€8,484within the sector's middle half▲ 103%
Equity€18,106within the sector's middle half▲ 118%€33,795within the sector's middle half▲ 86.7%€38,617within the sector's middle half▲ 14.3%€42,793within the sector's middle half▲ 10.8%€51,278within the sector's middle half▲ 19.8%
Total assets€33,858below the sector's middle half▲ 67.4%€47,970below the sector's middle half▲ 41.7%€44,910below the sector's middle half▼ 6.4%€55,101below the sector's middle half▲ 22.7%€65,596within the sector's middle half▲ 19.0%
Debt€15,752▲ 32.0%€14,175▼ 10.0%€6,293▼ 55.6%€12,308▲ 95.6%€14,318▲ 16.3%
Working capital€17,394within the sector's middle half▲ 110%€27,206within the sector's middle half▲ 56.4%€31,845within the sector's middle half▲ 17.0%€38,274within the sector's middle half▲ 20.2%€49,011within the sector's middle half▲ 28.1%
Solvency53.5%within the sector's middle half▲ 12.5pp70.5%above the sector's middle half▲ 17.0pp86.0%above the sector's middle half▲ 15.5pp77.7%above the sector's middle half▼ 8.3pp78.2%above the sector's middle half▲ 0.5pp
Current ratio2.10within the sector's middle half▲ 0.412.92above the sector's middle half▲ 0.826.06above the sector's middle half▲ 3.144.11above the sector's middle half▼ 1.954.42above the sector's middle half▲ 0.31
Return on assets (ROA)29.0%above the sector's middle half▲ 56.3pp32.7%above the sector's middle half▲ 3.7pp10.7%within the sector's middle half▼ 22.0pp7.6%within the sector's middle half▼ 3.2pp12.9%above the sector's middle half▲ 5.4pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 56% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €65,596
Fixed assets
€2,267 ▼ 49.8%
Current assets
€63,329 ▲ 25.2%
Equity and liabilities €65,596
Equity
€51,278 ▲ 19.8%
Debt
€14,318 ▲ 16.3%
Debt's share of the balance-sheet total falls from 22.3% to 21.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15,265▲
2023 · €10,610
Cash flow
€10,737▲
2023 · €6,429
Quick ratio
4.31▲
2023 · 3.98
Debt to equity
0.28▼
2023 · 0.29
ROE
16.5%▲
2023 · 9.8%
Interest coverage
8.98▼
2023 · 9.24
Debt ≤ 1 year
€14,318▲
2023 · €12,308
Income taxes
€2,828▼
2023 · €3,060
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
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%.
| 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 26,975 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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10 | €1,623 | €2,147 | €2,252 | €2,252 | = |
| Other operating charges640/8 | - | €743 | €801 | €922 | €883 | ▼ 4.3% |
| Gross operating margin9900 | €10,920 | €22,748 | €10,653 | €11,533 | €16,148 | ▲ 40.0% |
| Operating profit (loss)9901 | €10,341 | €20,382 | €7,705 | €8,358 | €13,013 | ▲ 55.7% |
| Financial income75/76B | - | €8 | €0 | €28 | €0 | ▼ 100.0% |
| Recurring financial income75 | - | €8 | €0 | €28 | €0 | ▼ 100.0% |
| Financial charges65/66B | - | €1,047 | €1,472 | €1,148 | €1,701 | ▲ 48.1% |
| Recurring financial charges65 | €526 | €1,047 | €1,472 | €1,148 | €1,701 | ▲ 48.1% |
| Profit (loss) for the period before taxes9903 | €9,815 | €19,343 | €6,233 | €7,237 | €11,312 | ▲ 56.3% |
| Income taxes67/77 | - | €3,653 | €1,412 | €3,060 | €2,828 | ▼ 7.6% |
| Profit (loss) for the period9904 | €9,815 | €15,689 | €4,821 | €4,177 | €8,484 | ▲ 103% |
| Profit (loss) for the period to be appropriated9905 | €9,815 | €15,689 | €4,821 | €4,177 | €8,484 | ▲ 103% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €33,858 | €47,970 | €44,910 | €55,101 | €65,596 | ▲ 19.0% |
| Fixed assets21/28 | €712 | €6,589 | €6,772 | €4,519 | €2,267 | ▼ 49.8% |
| Tangible fixed assets22/27 | €712 | €6,589 | €6,772 | €4,519 | €2,267 | ▼ 49.8% |
| Plant, machinery and equipment23 | - | €6,589 | €6,772 | €4,519 | €2,267 | ▼ 49.8% |
| Current assets29/58 | €33,146 | €41,381 | €38,138 | €50,582 | €63,329 | ▲ 25.2% |
| Stocks and contracts in progress3 | €768 | €672 | €1,613 | €1,613 | €1,595 | ▼ 1.1% |
| Stocks30/36 | - | €672 | €1,613 | €1,613 | €1,595 | ▼ 1.1% |
| Amounts receivable within one year40/41 | €2,217 | €1,679 | €5,261 | €15,649 | €16,141 | ▲ 3.1% |
| Trade receivables40 | - | - | - | €9,415 | €10,809 | ▲ 14.8% |
| Other amounts receivable41 | - | €1,679 | €5,261 | €6,235 | €5,332 | ▼ 14.5% |
| Cash at bank and in hand54/58 | €29,661 | €38,333 | €30,560 | €32,011 | €44,804 | ▲ 40.0% |
| Deferred charges and accrued income490/1 | - | €696 | €704 | €1,308 | €788 | ▼ 39.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €33,858 | €47,970 | €44,910 | €55,101 | €65,596 | ▲ 19.0% |
| Equity10/15 | €18,106 | €33,795 | €38,617 | €42,793 | €51,278 | ▲ 19.8% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€494 | €15,195 | €20,017 | €24,193 | €32,678 | ▲ 35.1% |
| Amounts payable17/49 | €15,752 | €14,175 | €6,293 | €12,308 | €14,318 | ▲ 16.3% |
| Amounts payable within one year42/48 | €15,752 | €14,175 | €6,293 | €12,308 | €14,318 | ▲ 16.3% |
| Trade debts44 | €2,332 | €5,202 | €3,473 | €10,488 | €12,498 | ▲ 19.2% |
| Suppliers440/4 | - | €5,202 | €3,473 | €10,488 | €12,498 | ▲ 19.2% |
| Taxes, remuneration and social security45 | - | €3,653 | - | - | - | - |
| Taxes450/3 | - | €3,653 | - | - | - | - |
| Other amounts payable47/48 | - | €5,320 | €2,820 | €1,820 | €1,820 | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,815 | €15,689 | €4,821 | €4,177 | €8,484 | ▲ 103% |
| + Depreciation and write-downs630 | €10 | €1,623 | €2,147 | €2,252 | €2,252 | = |
| Operating cash flow (approximation) | €9,825 | €17,312 | €6,969 | €6,429 | €10,737 | ▲ 67.0% |
| Investment in fixed assets (approximation) | - | -€7,500 | -€2,330 | €0 | €0 | - |
| Change in cash | - | €8,672 | -€7,774 | €1,452 | €12,793 | ▲ 781% |
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 6.06
Current ratio from 2.92 to 6.06; short-term debt falls from €14,175 to €6,293.
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
31-12
Financial
Highest result since 2018net €15,689 ▲59.9%
Operating result €20,382, net result €15,689, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €9,815
Net result €9,815 after 2 loss-making years.
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Weakest financial yearnet -€5,514
Net result drops to -€5,514, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 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, Namur · 1 establishment unit since 2017
Ground area
681 m²
Building footprint
76 m²
Volume, LiDAR
632 m³
Parcel 92043B0450/00E000, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Désiré Sorée(FW) 41BIS, 5020 Namur
since 20172.265.083.325
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92043B0450/00E000 | Wallonia | 681 m² | 1 · 76 m² | 9.6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.265.083.325
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Of 3,823 companies in sector 47210 we hold annual accounts for 965. 791 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
Founded24-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47210Retail sale of fruit and vegetables
E-invoicing
Reachable via Peppol
Peppol ID
0208:0671812201
Registered
06-12-2024
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.