CONCEPT 4 HOME
ActiveCONCEPT 4 HOME has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €70k and a net result of €192k. Equity is growing by ~51.9% per year across the filed fiscal years. Its solvency ranks better than 19% of 304 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+20
Solvency40▲+25
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 0.56 in 2023; short-term debt: 58.5% and cash: 42.9% of total assets), and 84.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 31
Relative position
BE, all sectors
reference
Sector 31
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 304 sector peers (2024).
NBB · sector comparisonPosition among 304 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-07-2025, 20 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
20 d early
2023
15 d early
2022
18 d early
2021
65 d early
2020
17 d early
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€70k
2023 · €-37k
2018: €-148k
2019: €-188k
2020: €-133k
2021: €-58k
2022: €-70k
2023: €-37k
2018 → 2024
Total assets
€455k▲ 25.7%
2023 · €362k
2018: €558k
2019: €463k
2020: €567k
2021: €563k
2022: €361k
2023: €362k
2018 → 2024
Net result
€192k▲ 496%
2023 · €32k
2018: €-218k
2019: €-40k
2020: €55k
2021: €75k
2022: €-11k
2023: €32k
2018 → 2024
Working capital
€28k
2023 · €-134k
2018: €-83k
2019: €-125k
2020: €-100k
2021: €-35k
2022: €-204k
2023: €-134k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-133k-€-58k▲ 56.3%€-70k▼ 19.6%€-37k▲ 46.2%€70k
Operating result€42k-€63k▲ 50.7%€-20k€22k€195k▲ 784%
Net result€55k-€75k▲ 35.8%€-11k€32k€192k▲ 496%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 784% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €455k
Fixed assets
€161k▼ 17.3%
Current assets
€294k▲ 75.6%
Equity and liabilities €455k
Equity
€70k
Debt
€385k
Debt finances 84.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€233k▲
2023 · €62k
Cash flow
€230k▲
2023 · €72k
Solvency
15.4%▲
2023 · -10.4%
Current ratio
1.10▲
2023 · 0.56
Quick ratio
0.94▲
2023 · 0.49
Debt / equity
5.50▲
2023 · -10.65
ROE
273.7%
ROA
42.1%▲
2023 · 8.9%
Interest coverage
36.69▲
2023 · 9.94
Debt
€385k▼
2023 · €399k
Debt ≤ 1 year
€266k▼
2023 · €301k
Debt > 1 year
€9k▼
2023 · €12k
Income taxes
€12k
Staff costs
€59k▼
2023 · €105k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€362k€455k▲
Fixed assets21/28€194k€161k▼
Intangible fixed assets21€60k€50k▼
Tangible fixed assets22/27€135k€111k▼
Furniture and vehicles24€31k€24k▼
Leasing and similar rights25€14k€10k▼
Other tangible fixed assets26€90k€76k▼
Current assets29/58€167k€294k▲
Stocks and contracts in progress3€20k€44k▲
Stocks30/36€20k€44k▲
Amounts receivable within one year40/41€81k€50k▼
Trade receivables40€77k€50k▼
Other amounts receivable41€4k€0▼
Cash at bank and in hand54/58€66k€195k▲
Deferred charges and accrued income490/1€705€5k▲
Equity and liabilities
Total equity and liabilities10/49€362k€455k▲
Equity10/15€-37k€70k▲
Contributions10/11€70k€70k=
Profit (loss) carried forward14€-107k€0▲
Amounts payable17/49€399k€385k▼
Amounts payable after more than one year17€12k€9k▼
Financial debts170/4€12k€9k▼
Amounts payable within one year42/48€301k€266k▼
Current portion of amounts payable after more than one year42€38k€3k▼
Trade debts44€47k€16k▼
Suppliers440/4€47k€16k▼
Advances received on contracts in progress46€205k€125k▼
Taxes, remuneration and social security45€11k€38k▲
Taxes450/3€3k€29k▲
Remuneration and social security454/9€8k€10k▲
Other amounts payable47/48€203€84k▲
Accrued charges and deferred income492/3€86k€110k▲
Income statement
Code20232024
Remuneration, social security and pensions62€105k€59k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€38k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-2k€0▲
Other operating charges640/8€1k€858▼
Gross operating margin9900€166k€293k▲
Operating profit (loss)9901€22k€195k▲
Financial income75/76B€16k€15k▼
Recurring financial income75€16k€15k▼
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€32k€204k▲
Income taxes67/77-€12k
Profit (loss) for the period9904€32k€192k▲
Profit (loss) for the period to be appropriated9905€32k€192k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-107k€84k▲
Profit (loss) brought forward from the previous period14P€-140k€-107k▲
Profit to be distributed694/7-€84k
Return on contributions (dividend)694-€34k
Directors or managers695-€50k
Social balance
Average headcount (FTE)90873.12.6▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €192k ▲496%
Operating result €195k, net result €192k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €55k
Net result €55k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-09-2025
Uytdenbroek Bruno: Resigned as Director
07-09-2022
Uytdenbroek Bruno: Resigned as Manager
07-09-2022
DELEN Gerald: Resigned as Manager
Location & real-estate footprint
Registered office, Bierbeek · 1 establishment unit since 2017
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.
Uitbreidingslaan 2B3360 BierbeekGround area
3,189 m²
Building footprint
1,330 m²
Volume, LiDAR
7,419 m³
Parcel 24053B0011/02F000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CONCEPT 4 HOME
since 20172.264.423.923
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24053B0011/02F000 | Flanders | 3,189 m² | 1 · 1,330 m² | 6.5 m · 2 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
PROXIWOOD
BE 0740.606.876
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KADRAL
BE 0416.847.008
Nivelles · Eq €69k
XS-consulting
BE 0452.903.688
Wetteren · Eq €71k
BLC DESIGN
BE 0847.661.125
Bilzen-Hoeselt · Eq €69k
HALLECO
BE 0450.525.804
Sint-Gillis (bij-Brussel) · Eq €71k
Of 1,501 companies in sector 31004 we hold annual accounts for 621. 456 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2017
Fiscal year end31-12
Activities, NACEBEL
31004Manufacture of dining room, living room, bedroom and bathroom furniture
47551Retail sale of household furniture
47591Retail trade
31002Manufacture of furniture
43221Plumbing work
43320Joinery installation
47540Retail sale of electrical household appliances
71112Activities of interior architects
74112Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:bruno.uytdenbroek@schmidt-leuven.com
Phone:+3216269156