CHRISTO CONCEPTS
ActiveSummary
The computed 12-month bankruptcy probability of CHRISTO CONCEPTS is 1.9% (moderate). The 2025 annual accounts show equity of €38k and a net result of €3k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 15% of 2179 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▲+3
Solvency30▲+1
Growth52=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.07 against 2.7 in 2024; short-term debt: 5.5% and cash: 6% of total assets), but 95.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 · 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
4.5%
Return on assets
0.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 2179 sector peers (2025).
NBB · sector comparisonPosition among 2179 sector peers
Solvency
better than 15%
← weakest
strongest →
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 07-07-2026, 24 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
24 d early
2024
6 d early
2023
15 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€38k▲ 8.2%
2024 · €36k
2023: €33k
2024: €36k
2023 → 2025
Total assets
€847k▼ 0.1%
2024 · €848k
2023: €882k
2024: €848k
2023 → 2025
Net result
€3k▲ 20.1%
2024 · €2k
2023: €9k
2024: €2k
2023 → 2025
Working capital
€97k▲ 63.3%
2024 · €60k
2023: €54k
2024: €60k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€33k-€36k▲ 7.3%€38k▲ 8.2%
Operating result€23k-€30k▲ 29.3%€29k▼ 0.4%
Net result€9k-€2k▼ 73.4%€3k▲ 20.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €847k
Fixed assets
€703k ▼ 6.7%
Current assets
€144k ▲ 52.5%
Equity and liabilities €847k
Equity
€38k ▲ 8.2%
Debt
€809k ▼ 0.4%
Debt's share of the balance-sheet total falls from 95.8% to 95.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€89k▲
2024 · €85k
Cash flow
€62k▲
2024 · €58k
Current ratio
3.07▲
2024 · 2.70
Debt to equity
21.06▼
2024 · 22.89
ROE
7.6%▲
2024 · 6.8%
ROA
0.3%▲
2024 · 0.3%
Interest coverage
3.40▲
2024 · 3.12
Debt ≤ 1 year
€47k▲
2024 · €35k
Debt > 1 year
€761k▼
2024 · €777k
Income taxes
€436
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€848k€847k▼
Fixed assets21/28€753k€703k▼
Tangible fixed assets22/27€753k€703k▼
Plant, machinery and equipment23€226k€195k▼
Furniture and vehicles24-€2k
Leasing and similar rights25€417k€403k▼
Other tangible fixed assets26-€103k
Assets under construction and advance payments27€110k€0▼
Current assets29/58€95k€144k▲
Amounts receivable within one year40/41€42k€77k▲
Trade receivables40€29k€51k▲
Other amounts receivable41€13k€26k▲
Cash at bank and in hand54/58€39k€51k▲
Deferred charges and accrued income490/1€14k€17k▲
Equity and liabilities
Total equity and liabilities10/49€848k€847k▼
Equity10/15€36k€38k▲
Contributions10/11€24k€24k=
Reserves13€12k€14k▲
Distributable reserves133€12k€14k▲
Amounts payable17/49€813k€809k▼
Amounts payable after more than one year17€777k€761k▼
Financial debts170/4€777k€761k▼
Amounts payable within one year42/48€35k€47k▲
Current portion of amounts payable after more than one year42€31k€35k▲
Trade debts44€4k€11k▲
Suppliers440/4€4k€11k▲
Taxes, remuneration and social security45-€436
Taxes450/3-€436
Accrued charges and deferred income492/3€504€475▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€59k▲
Other operating charges640/8€118€1k▲
Gross operating margin9900€85k€90k▲
Operating profit (loss)9901€30k€29k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€27k€26k▼
Recurring financial charges65€27k€26k▼
Profit (loss) for the period before taxes9903€2k€3k▲
Income taxes67/77-€436
Profit (loss) for the period9904€2k€3k▲
Profit (loss) for the period to be appropriated9905€2k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€3k▲
Transfer to equity691/2€2k€3k▲
To other reserves6921€2k€3k▲
The notes to these accounts (15 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €2k ▼73.4%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated 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, Antwerpen · 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.
Entrepotkaai 12000 AntwerpenGround area
3,513 m²
Building footprint
1,136 m²
Volume, LiDAR
27,578 m³
Parcel 11802B2284/00A000, Flanders · tallest building 32.3 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
CHRISTO CONCEPTS
since 20222.328.149.161
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11802B2284/00A000 | Flanders | 3,513 m² | 1 · 1,136 m² | 32.3 m · 9 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.
Similar companies · same sector, comparable size
TBT SOLUTIONS
BE 1016.237.821
Crisnée · Eq €38,497
VERDIUM
BE 0677.520.353
Harelbeke · Eq €38,533
ALGEMENE BOUWWERKEN BENNY NEELEN BV
BE 1001.249.539
Essen · Eq €38,728
3XFCONCEPT
BE 0793.965.388
Grimbergen · Eq €37,776
FERRIBAT CONSTRUCT
BE 0823.879.101
Oudergem · Eq €39,057
Of 2,451 companies in sector 41003 we hold annual accounts for 1,054. 681 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
41003General construction of other non-residential buildings
39000Remediation activities and other waste management service activities
43211General electrical installation work
43350Other building finishing work
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.