Losses
-€24,600 in four years
Every financial year from 2023 to 2026 closed with a loss. 2023 was the heaviest.
CONCAD
Lifetime
19 annual accounts with figures on one time axispeak €15,229 (2017)
€1,345▲ €6,417
lowest -€9,759 (2023)
-€2,905▲ €4,850
peak €39,833 (2022)
€13,176▼ 18.1%
€343▼ 53.0%
Board1 name since 2022
1 directorWILMSSEN Dirk
Documentsfilings and deeds
30-09-202631 days before the deadline
2026micro format
Gross margin from -€5,073 to €1,345Loss of €2,905Equity from €16,081 to €13,176Debts from €730 to €343Cash from €37 to €526
Key points
from the 2026 annual accountsChecked score
89
Excellent
Financially stronger than 38% of micro companies in architecture and engineering (NACE 71)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 14,828 companies (NACE 71, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.4%▲ +0.2 percentage points vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026highest value
08-2026: 0.4%● unchanged vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.2%▼ -0.2 percentage points vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Loss of €2,905, the second in a row (financial year 2026)
lowers risk
Size: total assets €13,519
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Figures for financial year 2026 (filed on 02-10-2026)
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 71, micro). It does better than 87% of them on solvency, 40% on liquidity, 4% on profitability and 22% 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, 4,805 companies had the same profile as CONCAD has now. Each dot stands for 13 companies, two years later.
88.1%
were still trading
9.8%
stopped another way
2.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CONCAD itself is lower: 0.2% within 12 months. It rests on far more data about CONCAD 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 4,805 companies, not a prediction for CONCAD. 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
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 36.22 (16.76 in 2025), above the usual 1.5. Short-term debt is 2.5% and cash 3.9% of total assets. 2.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
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 -€2,905
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 30-09-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
31 days early
2025
45 days early
2024
36 days early
2023
60 days early
2022
27 days early
2021
26 days early
2020
43 days 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 38 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% 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 25 September (5 of the last 5 accounts filed within 30 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 0208:0888428839
Resignation: WILMSSEN Dirk (director)
Reappointment: WILMSSEN Dirk (director) · Legal-form conversion: to private limited company · Gazette deed
Registered office moved from Zoersel to Westmalle
New registered office: Hoogheideweg 12 2390 Westmalle · Previous registered office: Voorne 59 te 2980 Zoersel · Board meeting of 13-11-2017 · Gazette deed
Incorporation
published on 12-04-2007 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CONCAD Malle | €13,519 | €1,345 | 97.5% | - |
| THIERRY LEJEUNE ONTWERPBURO Antwerp | €13,612 | -€10,913 | -339.1% | - |
| RENOVALL Boechout | €10,554 | €1,490 | 37.2% | - |
| ESKAPE-ARCHITECTEN Mechelen | €16,529 | -€11,349 | -404.8% | - |
| ARCHITECTS INTERNATIONAL Lier | €9,983 | -€9,501 | -408.7% | - |
| Architectenbureau Lamoen Kontich | €17,260 | -€4,326 | -416.7% | - |
| ARCHITECTEN RUIMTEWERK Herentals | €10,150 | -€8,911 | -62.4% | - |
These companies have the same main activity as CONCAD: activities of building architects (NACE 71111). They are comparable in size and age: total assets between €9,980 and €17,300, founded between 2004 and 2010.
Official details
Source: KBO- Status
- Active since 02-04-2007Normal situation
- Activity
- Activities of building architectsNACE 71111and 1 other
- Establishment unit
- 2.162.032.8022390 Malle, since 02-04-2007
- Financial year end
- 31 March
- Peppol
- Reachable since 24-10-2025
Annual accounts to 31-03-2026
- ≈ €8,600estimated
- €13,519▼ 19.6%
- Filing
- Filed on 30-09-2026, 31 days before the end of the filing period
Insights on CONCAD
CONCAD files the micro format. That format states no turnover. The gross margin fell from €13,321 in 2008 to €1,345 in 2026.
The balance sheet grew most from 2011 to 2013 through fixed assets, financed with long-term debt.
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 CONCAD
- What is the company number of CONCAD?
- The company number of CONCAD is 0888.428.839. The VAT number is the same number with BE in front: BE 0888.428.839.
- Where is CONCAD based?
- The registered office is at Hoogheideweg 12, 2390 Malle.Company details
- What does CONCAD do?
- According to the KBO register, the main activity is activities of building architects (NACE 71111).
- What is the legal form of CONCAD?
- CONCAD is a private limited company (BV).
- When was CONCAD founded?
- CONCAD was founded on 02-04-2007.
- Is CONCAD still active?
- Yes, CONCAD is an active enterprise in the KBO register.
- What is the turnover of CONCAD?
- The turnover in financial year 2026 is ≈ €8,600. This figure is estimated from the gross margin of €1,345 and 48 comparable companies (NACE 71111). It probably lies between €4,500 and €16,000. It is a rough estimate.Financials
- Is CONCAD profitable?
- In financial year 2026, CONCAD made a loss of €2,905.
- Where can I find the annual accounts of CONCAD?
- CONCAD filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of CONCAD due?
- CONCAD must file the annual accounts for financial year 2027 by 31-10-2027.Timeline
Next steps
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