Losses
-€19,023 in four years
Every financial year from 2023 to 2026 closed with a loss. 2023 was the heaviest.
COMPUTERS and CONCEPTION
Lifetime
20 annual accounts with figures on one time axis, 30 filings since 1997peak €35,219 (2011)
-€2,926▼ €5,444
lowest -€11,699 (2012)
-€4,372▼ €990
peak €33,998 (2009)
€3,264▼ 57.3%
€4,392▼ 40.3%
Board4 names since 1995
1 directorLAMBRICHT Bernard
Owners
Documentsfilings and deeds
19-09-202642 days before the deadline
2026micro format
Turnover from €25,063 to €11,950Gross margin from €2,519 to -€2,926Loss of €4,372Equity from €7,636 to €3,264Debts from €7,353 to €4,392Cash from €1,014 to €51
Key points
from the 2026 annual accountsFilings
30 annual accounts since 1997
Five of the last ten came late. The 2023 accounts came latest: 42 days after the end of the period.
Position in the sector
€3,264
Less equity than 91% of companies in computer programming and consultancy. Sector median €81,125 · 659 companies.
Checked score
53
Fair
Financially stronger than 15% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.3%highest value
01-2025: 1.3%● unchanged vs 12-2024highest value
02-2025: 1.3%● unchanged vs 01-2025
03-2025: 1.3%● unchanged vs 02-2025
04-2025: 0.5%▼ -0.8 percentage points vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.5%● unchanged vs 05-2025
07-2025: 0.6%▲ +0.1 percentage points vs 06-2025
08-2025: 0.5%▼ -0.1 percentage points vs 07-2025
09-2025: 0.5%● unchanged vs 08-2025
10-2025: 0.3%▼ -0.2 percentage points vs 09-2025lowest value
11-2025: 0.3%● unchanged vs 10-2025lowest value
12-2025: 0.3%● unchanged vs 11-2025lowest value
01-2026: 0.3%● unchanged vs 12-2025lowest value
02-2026: 0.3%● unchanged vs 01-2026lowest value
03-2026: 0.3%● unchanged vs 02-2026lowest value
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
Loss of €4,372, the second in a row (financial year 2026)
Liquidity: current ratio 1.74, cash €51, halved
lowers risk
Size: turnover €11,950, total assets €7,656
Sector: Computer programming, consultancy and related activities (NACE 62)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 37% of them on solvency, 8% on liquidity, 5% on profitability and 10% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2026.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 5,831 companies had the same profile as COMPUTERS and CONCEPTION has now. Each dot stands for 15 companies, two years later.
84.5%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of COMPUTERS and CONCEPTION itself is lower: 0.3% within 12 months. It rests on far more data about COMPUTERS and CONCEPTION than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,831 companies, not a prediction for COMPUTERS and CONCEPTION. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is ample, with a current ratio of 1.74 (2.02 in 2025), above the usual 1.5. Short-term debt is 57.4% and cash 0.7% of total assets. However, 57.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2025 and 2026); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2026Net result per financial year
1920212223242526
2019 to 2026 · latest year -€4,372
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 19-09-2026, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
42 days early
2025
38 days early
2024
8 days early
2023
42 days late
2022
4 days early
2021
23 days late
2020
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 4 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 23 October (4 of the last 5 accounts filed within 34 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-03-2027 year end31-10-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0456064405
Resignation: ASMAR Michelle (director)
Appointment: LAMBRICHT Bernard (director) · General meeting of 21-05-2024 · Gazette deed
Registered office moved within Chaumont-Gistoux
New registered office: Rue de Louvranges 15A à 1325 Chaumont-Gistoux · Previous registered office: Rue de Louvranges 15. 1325 Chaumont-Gistoux · Resignation: LAMBRICHT Sébastien (director) · General meeting of 31-12-2022 · Gazette deed
Registered office moved to Dion-Valmont
New registered office: Chaumont-Gistoux (1325 Dion-Valmont), 15A, rue de Louvranges · Resignation: LAMBRICHT, Bernard Albert Robert (manager) · Appointment: LAMBRICHT Sébastien (sole director) · General meeting of 18-06-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| COMPUTERS and CONCEPTION Chaumont-Gistoux | €11,950 | -29.0% | 42.6% | - |
| CAPITAL IT Rixensart | - | - | 90.1% | - |
| OLI & CO Molenbeek-Saint-Jean | €7,751 | -10.2% | 99.3% | - |
| LEMMA INTERNATIONAL Etterbeek | - | - | -66.0% | - |
| FARINET Forest | - | - | -27.8% | - |
| OPTIMAL DESIGN Ixelles | - | - | -667.2% | - |
| MEDIA MAKERS Tessenderlo-Ham | - | - | 100.0% | - |
Grey: the largest companies of the sector (computer programming and consultancy (NACE 62)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as COMPUTERS and CONCEPTION: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €6,710 and €10,600, founded between 1997 and 2001.
Official details
Source: KBO- Status
- Active since 22-09-1995Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200
- Establishment unit
- 2.073.398.2591325 Chaumont-Gistoux, since 09-10-1995
- Financial year end
- 31 March
- Peppol
- Reachable since 21-10-2025
Annual accounts to 31-03-2026
- €7,656▼ 48.9%
- Filing
- Filed on 19-09-2026, 42 days before the end of the filing period
Insights on COMPUTERS and CONCEPTION
COMPUTERS and CONCEPTION files the micro format. That format states no turnover. The gross margin fell from €10,097 in 2007 to -€2,926 in 2026.
MB CO holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about COMPUTERS and CONCEPTION
- What is the company number of COMPUTERS and CONCEPTION?
- The company number of COMPUTERS and CONCEPTION is 0456.064.405. The VAT number is the same number with BE in front: BE 0456.064.405.
- Where is COMPUTERS and CONCEPTION based?
- The registered office is at Rue de Louvranges, Dion-V. 15A, 1325 Chaumont-Gistoux.Company details
- What does COMPUTERS and CONCEPTION do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of COMPUTERS and CONCEPTION?
- COMPUTERS and CONCEPTION is a private limited company (BV).
- When was COMPUTERS and CONCEPTION founded?
- COMPUTERS and CONCEPTION was founded on 22-09-1995.
- Is COMPUTERS and CONCEPTION still active?
- Yes, COMPUTERS and CONCEPTION is an active enterprise in the KBO register.
- What is the turnover of COMPUTERS and CONCEPTION?
- The turnover of COMPUTERS and CONCEPTION was €11,950 in financial year 2026, according to the filed annual accounts.Financials
- Is COMPUTERS and CONCEPTION profitable?
- In financial year 2026, COMPUTERS and CONCEPTION made a loss of €4,372.
- Where can I find the annual accounts of COMPUTERS and CONCEPTION?
- COMPUTERS and CONCEPTION filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of COMPUTERS and CONCEPTION due?
- COMPUTERS and CONCEPTION must file the annual accounts for financial year 2027 by 31-10-2027.Timeline
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