BS CONCEPT
ActiveThe computed 12-month bankruptcy probability of BS CONCEPT is 3.1% (moderate). The 2024 annual accounts show negative equity (€-16k) and a net result of €-5k. Equity is shrinking by ~150.8% per year across the filed fiscal years. Its solvency ranks better than 21% of 26043 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
27
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability17▲+16
Solvency20▼-1
Growth32=
Track record94
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.92 against 0.92 in 2023; short-term debt: 104.6% and cash: 9.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six 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 · 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
-4.6%
Return on assets
-1.4%
Age of the figures
21 mo
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
222324
2022 to 2024 · latest year €-16k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-08-2025, 4 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
4 d late
2023
27 d late
2022
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-16k▼ 45.0%
2023 · €-11k
2022: €32k
2023: €-11k
2022 → 2024
Total assets
€341k▲ 12.1%
2023 · €304k
2022: €206k
2023: €304k
2022 → 2024
Net result
€-5k▲ 88.5%
2023 · €-42k
2022: €12k
2023: €-42k
2022 → 2024
Working capital
€-27k▼ 4.7%
2023 · €-26k
2022: €25k
2023: €-26k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€32k-€-11k€-16k▼ 45.0%
Operating result€15k-€-42k€-5k▲ 89.0%
Net result€12k-€-42k€-5k▲ 88.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2024 against €42k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €341k
Fixed assets
€12k▼ 23.7%
Current assets
€330k▲ 14.0%
Key figures and ratios
EBITDA
€-1k▲
2023 · €-40k
Cash flow
€-1k▲
2023 · €-40k
Solvency
-4.6%▼
2023 · -3.6%
Current ratio
0.92▲
2023 · 0.92
Quick ratio
0.28▼
2023 · 0.31
Debt / equity
-22.74▲
2023 · -29.11
ROA
-1.4%▲
2023 · -14.0%
Interest coverage
-4.91▲
2023 · -279.76
Debt
€357k▲
2023 · €315k
Debt ≤ 1 year
€357k▲
2023 · €315k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€304k€341k▲
Fixed assets21/28€15k€12k▼
Tangible fixed assets22/27€10k€7k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€5k€4k▼
Financial fixed assets28€5k€5k=
Current assets29/58€289k€330k▲
Stocks and contracts in progress3€193k€230k▲
Stocks30/36€193k€230k▲
Amounts receivable within one year40/41€75k€67k▼
Trade receivables40€75k€67k▼
Other amounts receivable41-€96
Cash at bank and in hand54/58€21k€33k▲
Equity and liabilities
Total equity and liabilities10/49€304k€341k▲
Equity10/15€-11k€-16k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-31k€-36k▼
Amounts payable17/49€315k€357k▲
Amounts payable within one year42/48€315k€357k▲
Trade debts44€24k€66k▲
Suppliers440/4€24k€66k▲
Advances received on contracts in progress46-€1k
Taxes, remuneration and social security45€20k€28k▲
Taxes450/3€12k€20k▲
Remuneration and social security454/9€9k€7k▼
Other amounts payable47/48€271k€263k▼
Income statement
Code20232024
Remuneration, social security and pensions62€11k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€-26k€254▲
Operating profit (loss)9901€-42k€-5k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€142€209▲
Recurring financial charges65€142€209▲
Profit (loss) for the period before taxes9903€-42k€-5k▲
Profit (loss) for the period9904€-42k€-5k▲
Profit (loss) for the period to be appropriated9905€-42k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-36k▼
Profit (loss) brought forward from the previous period14P€12k€-31k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €-42k ▼465%
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Overijse · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Brusselsesteenweg 2923090 OverijseGround area
2,911 m²
Building footprint
381 m²
Volume, LiDAR
848 m³
2 parcels, Flanders, Wallonia · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BS CONCEPT
since 20222.342.007.194
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0376/02D005 | Flanders | 1,934 m² | 1 · 198 m² | 6.6 m · 1 fl. |
| 62020A0299/00P005 | Wallonia | 977 m² | 1 · 182 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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M&Y CAR
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AGL COMPANY
BE 0745.360.965
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BE 0791.287.990
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Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,015 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2022
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
45192
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
46180Agents specialised in the wholesale of other particular products
46871Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bsconcept05@gmail.com
Phone:+32472621106