Turnover
≈ €81,000 estimated
The micro format states no turnover.
BPConcept
Overview
Lifetime
1 annual account with figurespeak €27,759 (2025)
€27,759
peak €13,791 (2025)
€13,791
peak €16,291 (2025)
€16,291
€10,414
Board1 name since 2025
1 directorPONCELET Bernard Michel
Documentsfilings and deeds
13-04-2026109 days before the deadline
2025micro format
Incorporation 17-021 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsChecked score
96
Excellent
Financially stronger than 71% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2026: 0.4%
04-2026: 0.4%● unchanged vs 03-2026highest value
05-2026: < 0.1%▼ -0.4 percentage points vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2025
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 2.53, cash €13,777
Figures for financial year 2025 (filed on 13-04-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 56% of them on solvency, 74% on liquidity and 84% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as BPConcept has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of BPConcept itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for BPConcept. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.53, above the usual 1.5. Short-term debt is 39% and cash 51.6% of total assets. 39% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 13-04-2026, 109 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
109 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1019980239
Incorporation
Founder: PONCELET Bernard Michel · 1,250 shares · Appointment: PONCELET Bernard Michel (director) · published on 17-02-2025 · Gazette deed
First establishment
Rue du Centre (Sorée) 1, Gesves
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BPConcept Gesves | €26,705 | €27,759 | 61.0% | - |
| VAKCOPEX La Bruyère | €28,781 | €30,287 | 77.9% | - |
| HANNIBAL CONSULTING SERVICES Eghezée | €28,564 | €25,110 | 62.2% | - |
| VANILO Jemeppe-sur-Sambre | €32,595 | €25,909 | 64.6% | - |
| VSE Management Namur | €34,370 | €27,151 | 48.8% | - |
| Stijn De Schepper Hoogstraten | €27,857 | €25,825 | 65.9% | - |
| Peritus Projectus Beveren-Kruibeke-Zwijndrecht | €28,203 | €25,866 | 76.4% | - |
These companies have the same main activity as BPConcept: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €27,900 and €34,400, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 13-02-2025Normal situation
- Activity
- Business and other management consultancyNACE 70200and 5 others
- Establishment unit
- 2.370.240.8275340 Gesves, since 13-02-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 04-12-2025
Annual accounts 2025
- €27,759
- €13,791
- €16,291
- €26,705
- Filing
- Filed on 13-04-2026, 109 days before the end of the filing period
Insights on BPConcept
BPConcept has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16,291 and a net result of €13,791.
Its solvency ranks better than 55% of 39,368 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 13-04-2026, 109 days before the deadline€27,759
€18,311
€13,791
€15,894
61.0%
2.53
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €81,000. Estimated: probably between €48,000 and €110,000.
Balance sheet
balance sheet total €26,705 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
61.0%
Higher than 55% of 39,368 companies in 2025.
2.53
Higher than 57% of 38,051 companies in 2025.
51.6%
Higher than 87% of 38,523 companies in 2025.
BPConcept
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
26,705 | |
20 |
397 | |
29/58 |
26,308 | |
40/41 |
12,531 | |
41 |
12,531 | |
54/58 |
13,777 | |
| Balance sheet: equity and liabilities | ||
10/49 |
26,705 | |
10/15 |
16,291 | |
10/11 |
2,500 | |
13 |
13,791 | |
133 |
13,791 | |
17/49 |
10,414 | |
42/48 |
10,414 | |
44 |
833 | |
440/4 |
833 | |
45 |
9,581 | |
450/3 |
9,581 | |
| Income statement | ||
9900 |
27,759 | |
630 |
1,971 | |
640/8 |
7,477 | |
9901 |
18,311 | |
75/76B |
198 | |
75 |
198 | |
65/66B |
1 | |
65 |
1 | |
9903 |
18,508 | |
67/77 |
4,717 | |
9904 |
13,791 | |
9905 |
13,791 | |
| Appropriation of the result | ||
9906 |
13,791 | |
691/2 |
13,791 | |
6921 |
13,791 | |
| Document | ||
The notes to these accounts have 2 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 13-04-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 13-04-2026 | 2026-00078204 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 20,282 | ||
| 15,762 | ||
| 15,894 | ||
| 61.0% | ||
| 2.53 | ||
| 0.64 | ||
| 84.7% | ||
| 51.6% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on BPConcept
Debt's share of the balance-sheet total is 39.0%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 13-02-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 13-04-2026
Mandates through the years
1 name, the dashed line is todayPONCELET Bernard Michel
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- PONCELET Bernard Michel
- Director (not named in the articles), from 13-02-2025 to date
Control
Capital
- Contribution
- €2,500
- Shares
- 1,250
- Contribution per share
- €2
- Equity per share
- €13.03 in 2025
- Source
- 2025 annual accounts
Articles of association
deed of 17-02-2025 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- 1 director“4.Administrateur(s) non statutaire”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant,moitié acquéreurs proportionnellement nombre actions si plusieurs, tous cas cessions entre vifs onéreux gratuit volontaires…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Monday of June
Founder
At incorporation
deed of 17-02-2025 ↗
- PONCELET Bernard Michel sole founder · 100% at incorporation
Network & group
No group
BPConcept has no parent and no holdings in its annual accounts. PONCELET Bernard Michel is the only director. BPConcept shares no director with another company.
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 109 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1019980239
IncorporationFounder: PONCELET Bernard Michel · 1,250 shares · Appointment: PONCELET Bernard Michel (director) · published on 17-02-20256 points ▸
- Founder, PONCELET Bernard Michel
- 1,250 shares
- Registered office clause, 5340-Gesves, rue du Centre 1
- Director appointment, PONCELET Bernard Michel (director (not named in the articles))
- Permanent representative, PONCELET Bernard Michel
- Power of attorney, PONCELET Bernard Michel
- The deed holds 5 more points.
First establishment Rue du Centre (Sorée) 1, Gesves
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1019.980.239
- VAT number
- BE 1019.980.239
- Peppol ID
- 0208:1019980239
- Other Peppol ID
- 9925:BE1019980239
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 13-02-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Monday of Junedeed of 17-02-2025 (in French)
- Peppol
- Reachable since 04-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- BPConcept in French
- Name in the Peppol Directory
- BP Concept SRL
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 17-02-2025 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région Wallonne”deed of 17-02-2025 (in French)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes activités de conseil aux entreprises au sens le plus large; La réalisation de prestations de services dans le domaine de l’ingénierie…”deed of 17-02-2025 (in French)
11 activities
- Toutes activités de conseil aux entreprises au sens le plus large
- La réalisation de prestations de services dans le domaine de l’ingénierie comprenant notamment
- Les études,analyses,conseils,plans,calcul et conceptions techniques relatifs à des projets industriels,architecturaux,infrastructurels ou technologiques
- L’assistance technique,la gestion de projets et la coordination d’équipes spécialisées
- La recherche et le développement de solutions innovantes dans les domaines de l’ingénierie
- L’administration de sociétés
- L’acquisition par voie de souscription ou d’achat d’actions ou parts ou d’autres valeurs mobilières,quelle que soit leur nature,de sociétés belges ou étrangères,existante ou à constituer,ainsi que la gestion de ces valeurs
- La valorisation,l’achat,la vente,la gestion,l’échange,la construction,la reconstruction,la démolition,la transformation,la promotion,l’exploitation,la location de tous immeubles ou d’un patrimoine immobilier
- La vente,l’achat,l’importation,l’exportation,la distribution,la location,l’entretien et la réparation de matériels et équipement industriels,y compris les pièces détachées et accessoires
- Le conseil,l’étude,la conception,la fourniture de solutions techniques et la formation en lien avec l’utilisation,l’installation ou l’entretien de ces équipements
- Accomplir tout acte nécessaire et/ou indispensable à l’accomplissement de son objet
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue du Centre (Sorée) 1 registered office 5340 Gesves | 13-02-2025 | 2.370.240.827 |
Buildings and parcels at the address
- Ground area
- 2,616 m²
- Buildings
- 128 m²
- Volume, LiDAR
- 739 m³
- Tallest building
- 7.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 92115A0314/00B000 | 2,616 m² | 1 · 127 m² | 7.2 m · 2 |
Contact
E-mail
bernard.poncelet@peps-engineering.be