BT-CONCEPT
ActiveBT-CONCEPT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €2k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 67% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▼-6
Solvency84▲+8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.47 against 2.04 in 2024; short-term debt: 40.6% of total assets), and 40.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59.4%
Return on assets
1.2%
Age of the figures
9 mo
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
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 22-07-2026, 9 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
9 d early
2024
34 d early
2023
35 d early
2022
32 d early
2021
32 d early
2020
219 d late
2019
122 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€91k▲ 2.0%
2024 · €90k
2018: €58k
2019: €80k
2020: €87k
2021: €87k
2022: €87k
2023: €89k
2024: €90k
2018 → 2025
Total assets
€154k▼ 12.5%
2024 · €176k
2018: €285k
2019: €231k
2020: €216k
2021: €206k
2022: €208k
2023: €178k
2024: €176k
2018 → 2025
Net result
€2k▲ 187%
2024 · €630
2018: €52k
2019: €9k
2020: €7k
2021: €18
2022: €206
2023: €2k
2024: €630
2018 → 2025
Working capital
€91k▲ 2.3%
2024 · €89k
2018: €65k
2019: €54k
2020: €91k
2021: €97k
2022: €68k
2023: €89k
2024: €89k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€87k▲ 0.2%€89k▲ 2.4%€90k▲ 0.7%€91k▲ 2.0%
Operating result€3k-€3k▲ 8.8%€10k▲ 205%€14k▲ 40.0%€2k▼ 89.2%
Net result€18-€206▲ 1,044%€2k▲ 915%€630▼ 69.9%€2k▲ 187%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 89% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €154k
Equity
€91k▲ 2.0%
Debt
€62k▼ 27.6%
The debt ratio falls from 49.0% to 40.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€2k▼
2024 · €14k
Cash flow
€2k▲
2024 · €886
Solvency
59.4%▲
2024 · 51.0%
Current ratio
2.47▲
2024 · 2.04
Quick ratio
2.29▲
2024 · 1.79
Debt / equity
0.68▼
2024 · 0.96
ROE
2.0%▲
2024 · 0.7%
ROA
1.2%▲
2024 · 0.4%
Interest coverage
0.20▼
2024 · 1.10
Debt
€62k▼
2024 · €86k
Debt ≤ 1 year
€62k▼
2024 · €86k
Income taxes
€732▲
2024 · €461
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€176k€154k▼
Fixed assets21/28€256-
Tangible fixed assets22/27€256-
Plant, machinery and equipment23€256-
Current assets29/58€176k€154k▼
Amounts receivable after more than one year29€86k€127k▲
Other amounts receivable291€86k€127k▲
Stocks and contracts in progress3€21k€11k▼
Stocks30/36€21k€11k▼
Amounts receivable within one year40/41€68k€14k▼
Trade receivables40€63k€14k▼
Other amounts receivable41€5k-
Cash at bank and in hand54/58€694-
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€176k€154k▼
Equity10/15€90k€91k▲
Contributions10/11€20k€20k=
Reserves13€65k€70k▲
Distributable reserves133€65k€70k▲
Profit (loss) carried forward14€4k€998▼
Amounts payable17/49€86k€62k▼
Amounts payable within one year42/48€86k€62k▼
Financial debts43€62k€45k▼
Credit institutions430/8€62k€45k▼
Trade debts44€23k€13k▼
Suppliers440/4€23k€13k▼
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€1k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48-€313
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€256€256=
Other operating charges640/8€464€243▼
Gross operating margin9900€15k€2k▼
Operating profit (loss)9901€14k€2k▼
Financial income75/76B-€10k
Recurring financial income75-€10k
Financial charges65/66B€13k€9k▼
Recurring financial charges65€13k€9k▼
Profit (loss) for the period before taxes9903€1k€3k▲
Income taxes67/77€461€732▲
Profit (loss) for the period9904€630€2k▲
Profit (loss) for the period to be appropriated9905€630€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€6k▲
Profit (loss) brought forward from the previous period14P€4k€4k▲
Transfer to equity691/2-€5k
To the legal reserve6920-€5k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
07-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 219 days late
2021
31-12
Financial
Weakest financial yearnet €18 ▼99.7%
Net result drops to €18, the lowest in the series; recovery starts the following year.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Herentals · 1 establishment unit since 2018
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.
Nederrij(HRT) 172200 HerentalsGround area
848 m²
Building footprint
123 m²
Volume, LiDAR
1,067 m³
Parcel 13011F0068/00C003, Flanders · tallest building 15.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BT-CONCEPT
since 20182.275.467.372
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13011F0068/00C003 | Flanders | 848 m² | 1 · 123 m² | 15.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,170 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-04-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43320Joinery installation
46831Wholesale of construction materials, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.