BN CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of BN CONCEPT is 2.2% (moderate). The 2025 annual accounts show negative equity (-€9,729) and a net result of -€6,572. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 21% of 2357 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability43▼-46
Solvency12▼-10
Growth58=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.1 against 0.47 in 2024; short-term debt: 82.4% and cash: 0.8% of total assets), and equity is negative.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sports, amusement and recreation activities (NACE 93)
about 50% fewer 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 2025Solvency, return and age of the figures
Solvency
-12.6%
Return on assets
-8.5%
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
2122232425
2021 to 2025 · latest year -€9,729
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 5 filingsDeviation from the deadline
2025
25 d late
2024
7 d late
2023
11 d early
2022
15 d late
2021
4 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 6 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€9,729▼ 208%
2024 · -€3,158
Total assets
€77,043▼ 37.9%
2024 · €124,158
Net result
-€6,572
2024 · €20,560
Working capital
-€57,203▼ 32.2%
2024 · -€43,259
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 93, Sports, amusement and recreation activities, 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
Line20212022202320242025
Operating result-€26,305--€19,443▲ 26.1%€2,920€24,764▲ 748%-€3,602
Net result-€33,293below the sector's middle half--€23,904below the sector's middle half▲ 28.2%-€1,521within the sector's middle half▲ 93.6%€20,560within the sector's middle half-€6,572within the sector's middle half
Equity€1,707within the sector's middle half--€22,197below the sector's middle half-€23,718below the sector's middle half▼ 6.9%-€3,158below the sector's middle half▲ 86.7%-€9,729below the sector's middle half▼ 208%
Total assets€154,235within the sector's middle half-€119,079within the sector's middle half▼ 22.8%€106,320within the sector's middle half▼ 10.7%€124,158within the sector's middle half▲ 16.8%€77,043within the sector's middle half▼ 37.9%
Debt€152,528-€141,276▼ 7.4%€130,038▼ 8.0%€127,316▼ 2.1%€86,773▼ 31.8%
Working capital-€24,051within the sector's middle half--€51,649within the sector's middle half▼ 115%-€58,115below the sector's middle half▼ 12.5%-€43,259within the sector's middle half▲ 25.6%-€57,203below the sector's middle half▼ 32.2%
Solvency1.1%within the sector's middle half--18.6%below the sector's middle half▼ 19.7pp-22.3%below the sector's middle half▼ 3.7pp-2.5%within the sector's middle half▲ 19.8pp-12.6%below the sector's middle half▼ 10.1pp
Current ratio0.43within the sector's middle half-0.00below the sector's middle half▼ 0.430.06below the sector's middle half▲ 0.060.47within the sector's middle half▲ 0.400.10below the sector's middle half▼ 0.37
Return on assets (ROA)-21.6%below the sector's middle half--20.1%below the sector's middle half▲ 1.5pp-1.4%within the sector's middle half▲ 18.6pp16.6%above the sector's middle half▲ 18.0pp-8.5%below the sector's middle half▼ 25.1pp
Staff (FTE)0.4
above
within
below
the middle half (P25 to P75) of NACE 93, Sports, amusement and recreation activities, 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
The operating result turns negative in 2025: a loss of €3,602 after €24,764 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77,043
Fixed assets
€70,775 ▼ 17.8%
Current assets
€6,268 ▼ 83.6%
Key figures and ratios
EBITDA
€12,350▼
2024 · €41,072
Cash flow
€9,380▼
2024 · €36,868
Debt to equity
-8.92▲
2024 · -40.32
Interest coverage
4.16▼
2024 · 9.77
Debt ≤ 1 year
€63,471▼
2024 · €81,368
Debt > 1 year
€23,301▼
2024 · €45,948
Staff costs
€7,151
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,570 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 88% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a small loss
4.6%
went bankrupt
5.5%
stopped otherwise
88%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.2% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 1,570 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €35 | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | - | - | €7,151 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,478 | €16,494 | €16,493 | €16,308 | €15,952 | ▼ 2.2% |
| Other operating charges640/8 | €88 | €607 | €33 | €179 | €127 | ▼ 29.0% |
| Gross operating margin9900 | -€5,739 | -€2,342 | €19,446 | €41,251 | €19,628 | ▼ 52.4% |
| Operating profit (loss)9901 | -€26,305 | -€19,443 | €2,920 | €24,764 | -€3,602 | ▼ 115% |
| Financial charges65/66B | €6,988 | €4,461 | €4,441 | €4,204 | €2,969 | ▼ 29.4% |
| Recurring financial charges65 | €6,988 | €4,461 | €4,441 | €4,204 | €2,969 | ▼ 29.4% |
| Profit (loss) for the period before taxes9903 | -€33,293 | -€23,904 | -€1,521 | €20,560 | -€6,572 | ▼ 132% |
| Profit (loss) for the period9904 | -€33,293 | -€23,904 | -€1,521 | €20,560 | -€6,572 | ▼ 132% |
| Profit (loss) for the period to be appropriated9905 | -€33,293 | -€23,904 | -€1,521 | €20,560 | -€6,572 | ▼ 132% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €154,235 | €119,079 | €106,320 | €124,158 | €77,043 | ▼ 37.9% |
| Fixed assets21/28 | €135,906 | €118,850 | €102,357 | €86,049 | €70,775 | ▼ 17.8% |
| Intangible fixed assets21 | €130,356 | €115,356 | €100,356 | €85,356 | €70,356 | ▼ 17.6% |
| Tangible fixed assets22/27 | €5,550 | €3,494 | €2,001 | €693 | €339 | ▼ 51.1% |
| Furniture and vehicles24 | €5,550 | €3,494 | €2,001 | €693 | €339 | ▼ 51.1% |
| Financial fixed assets28 | - | - | - | - | €80 | - |
| Current assets29/58 | €18,329 | €229 | €3,963 | €38,109 | €6,268 | ▼ 83.6% |
| Amounts receivable within one year40/41 | €1,539 | - | - | €37,136 | €3,877 | ▼ 89.6% |
| Trade receivables40 | €1,539 | - | - | €4 | €3,105 | ▲ 70,316% |
| Other amounts receivable41 | - | - | - | €37,131 | €771 | ▼ 97.9% |
| Cash at bank and in hand54/58 | €13,997 | €73 | €2,488 | - | €593 | - |
| Deferred charges and accrued income490/1 | €2,793 | €156 | €1,474 | €973 | €1,798 | ▲ 84.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €154,235 | €119,079 | €106,320 | €124,158 | €77,043 | ▼ 37.9% |
| Equity10/15 | €1,707 | -€22,197 | -€23,718 | -€3,158 | -€9,729 | ▼ 208% |
| Contributions10/11 | €35,000 | €35,000 | €35,000 | €35,000 | €35,000 | = |
| Capital10 | €35,000 | - | - | - | - | - |
| Issued capital100 | €35,000 | - | - | - | - | - |
| Profit (loss) carried forward14 | -€33,293 | -€57,197 | -€58,718 | -€38,158 | -€44,729 | ▼ 17.2% |
| Amounts payable17/49 | €152,528 | €141,276 | €130,038 | €127,316 | €86,773 | ▼ 31.8% |
| Amounts payable after more than one year17 | €110,148 | €89,354 | €67,960 | €45,948 | €23,301 | ▼ 49.3% |
| Financial debts170/4 | €110,148 | €89,354 | €67,960 | €45,948 | €23,301 | ▼ 49.3% |
| Amounts payable within one year42/48 | €42,380 | €51,878 | €62,077 | €81,368 | €63,471 | ▼ 22.0% |
| Current portion of amounts payable after more than one year42 | €23,946 | €23,017 | €22,063 | €21,089 | €20,084 | ▼ 4.8% |
| Trade debts44 | €13,571 | €25,658 | €33,522 | €53,076 | €35,708 | ▼ 32.7% |
| Suppliers440/4 | €13,571 | €25,658 | €33,522 | €53,076 | €35,708 | ▼ 32.7% |
| Advances received on contracts in progress46 | - | €243 | - | - | - | - |
| Taxes, remuneration and social security45 | €2,564 | €443 | €3,359 | €750 | €2,536 | ▲ 238% |
| Taxes450/3 | €2,564 | €443 | €3,359 | €750 | €2,307 | ▲ 208% |
| Remuneration and social security454/9 | - | - | - | - | €229 | - |
| Other amounts payable47/48 | €2,299 | €2,517 | €3,133 | €6,452 | €5,144 | ▼ 20.3% |
| Accrued charges and deferred income492/3 | - | €44 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€33,293 | -€23,904 | -€1,521 | €20,560 | -€6,572 | ▼ 132% |
| + Depreciation and write-downs630 | €20,478 | €16,494 | €16,493 | €16,308 | €15,952 | ▼ 2.2% |
| Operating cash flow (approximation) | -€12,815 | -€7,410 | €14,972 | €36,868 | €9,380 | ▼ 74.6% |
| Investment in fixed assets (approximation) | - | €562 | €0 | €0 | -€678 | - |
| Change in cash | - | -€13,924 | €2,415 | - | - | - |
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
31-12
Financial
Back to profitnet €20,560
Net result €20,560 after 3 loss-making years.
20-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Oudergem · 2 establishment units since 2020
Ground area
1,515 m²
Building footprint
788 m²
Volume, LiDAR
11,801 m³
3 parcels, Brussels · tallest building 23.4 m, ±7 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
BN CONCEPT-BODY TRAINING STUDIO AUDERGHEM
since 20202.305.453.141
Langestraat 122, 1150 Sint-Pieters-Woluwe
since 20252.374.317.597
3 parcels
Brussels
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332B0316/00B002 | Brussels | 840 m² | 1 · 410 m² | 23.4 m · 7 fl. |
| 21332B0345/00G002 | Brussels | 493 m² | 1 · 209 m² | 22.9 m · 6 fl. |
| 21683D0030/00S004 | Brussels | 182 m² | 1 · 169 m² | 12.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,293 companies in sector 93110 we hold annual accounts for 1,500. 195 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
Founded24-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
93110Operation of sports facilities
47639Retail sale of other sporting goods
70200Business and other management consultancy
82300Organisation of conventions and trade shows
93129Activities of other sports clubs
93130Fitness centres
93299Other amusement and recreation activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0750997457
Also
9925:BE0750997457
Registered
08-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.