Financials
- Fiscal year
- 2024
- Total assets
- €23,080
- Profit
- €4,797
- Solvency
- 64.1%
BTO CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of BTO CONCEPT is 2.0% (moderate). The 2024 annual accounts show equity of €14,797 and a net result of €4,797. Its solvency ranks better than 72% of 1332 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Construction of roads and motorways
NACE 42110
1 site
How big
€23,080total assets 2024
- Equity
- €14,797
- Profit
- €4,797
Turnover not published (abridged schema)
Who decides
Accounts filed 22 d late0 of 1 deed read
Why 56- Figures for FY 2024 (filed 22-08-2025)- Founded in 2024- Size: total assets €23,080+ Liquidity: current ratio 2.23, cash €12,178Show the evidence
Checked score
Score 2024
56
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 79% of its sector peers (NACE 42, micro)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency
89
equity 64.1% of total assets
Liquidity
84
short-term debt 35.9% · cash 52.8%
Profitability
95
return on assets 20.8%
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
- Figures for FY 2024 (filed 22-08-2025) raises the probability
- Founded in 2024 raises the probability for this profile
- Liquidity: current ratio 2.23, cash €12,178 lowers the probability
- Size: total assets €23,080 raises the probability for this profile
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.23; short-term debt: 35.9% and cash: 52.8% of total assets), and 35.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 42, micro). Better than this share of them on solvency 72%, liquidity 84%, profitability 79%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 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 · 1 filingDeviation from the deadline
2024
22 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its 2024 accounts 22 days after the deadline; the sector median for financial year 2024 is 2 days before the deadline, and 41% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2025
- 22-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Construction of roads and motorwaysNACE 42110
- Founded
- 04-09-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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 trust this company with building work?Contractor check 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
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