C.A.G. CONCEPT

Active

Private limited companyfounded 20241 yr activeRésidence du Pachy(MLZ) 45, 7140 Morlanwelz, BelgiumKBO/BCE: BE 1016.216.639

Summary

The computed 12-month bankruptcy probability of C.A.G. CONCEPT is 3.9% (moderate). The 2025 annual accounts show equity of €23,329 and a net result of €20,329. Its solvency ranks better than 45% of 12348 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

C.A.G. CONCEPTActiveChecked score 49/100

Risk analysis Report Compare

Activity

Wholesale of information and communication equipment

NACE 46500General electrical installation work NACE 43211NACE 46520

1 site

Size

€66,378total assets 2025

Equity: €23,329
Profit: €20,329

Turnover not published (abridged schema)

Financial health

49 Fair Checked score 2025

Bankruptcy chance 12 m: 3.9%

Structure

Accounts filed 20 d late1 of 4 deeds read

Why 49- Founded in 2024- 1 change of registered office in 24 months- Size: total assets €66,378- Liquidity: current ratio 1.62, cash €1,660Show the evidence

Checked score

Score 2025

49 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 53% of its sector peers (NACE 46, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 60

equity 35.1% of total assets

Liquidity 21

short-term debt 61.0% · cash 2.5%

Profitability 100

return on assets 30.6%

Bankruptcy probability, 12 months

3.9% Moderate

0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,765 companies)

Last 19 months 12-2025: 1.6%lowest value 01-2026: 1.7%▲ +2.7% vs 12-2025 02-2026: 1.7%▲ +2.1% vs 01-2026 03-2026: 2.8%▲ +65.0% vs 02-2026 04-2026: 2.9%▲ +3.7% vs 03-2026 05-2026: 3.0%▲ +4.0% vs 04-2026 06-2026: 3.1%▲ +3.3% vs 05-2026 07-2026: 3.1%● 0.0% vs 06-2026 08-2026: 3.2%▲ +2.4% vs 07-2026 09-2026: 3.2%● 0.0% vs 08-2026 10-2026: 3.9%▲ +22.4% vs 09-2026highest value

Founded in 2024 raises the probability for this profile
1 change of registered office in 24 months raises the probability
Size: total assets €66,378 raises the probability for this profile
Liquidity: current ratio 1.62, cash €1,660 raises the probability

Credit up to €1,000 at 30 days acceptable

Liquidity ample (current ratio 1.62; short-term debt: 61% and cash: 2.5% of total assets), but 64.9% 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 46, micro). Better than this share of them on solvency 44%, liquidity 20%, profitability 95%. 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.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Founded in 2024

In the bankruptcy model this factor raises the probability for this profile.

KBO

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Size: total assets €66,378

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 1.62, cash €1,660

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-02-2026, 20 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 filing

Deviation from the deadline

2025

20 d late

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage