Concept 93 Esthetic
ActiveThe computed 12-month bankruptcy probability of Concept 93 Esthetic is 2.1% (moderate). The 2025 annual accounts show equity of €27k and a net result of €-5k. Equity is shrinking by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 40% of 4604 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-7
Solvency40▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.55 against 0.35 in 2024; short-term debt: 61.7% and cash: 17.2% of total assets), and 85.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
14.6%
Return on assets
-2.5%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
9 d early
2024
56 d late
2023
23 d late
2022
20 d early
2021
53 d late
2020
11 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▼ 14.4%
2024 · €31k
2020: €6k
2021: €49k
2022: €36k
2023: €28k
2024: €31k
2020 → 2025
Total assets
€184k▼ 3.1%
2024 · €190k
2020: €103k
2021: €153k
2022: €167k
2023: €162k
2024: €190k
2020 → 2025
Net result
€-5k
2024 · €7k
2020: €4k
2021: €42k
2022: €1k
2023: €-2k
2024: €7k
2020 → 2025
Working capital
€-51k▲ 7.7%
2024 · €-56k
2020: €-2k
2021: €55k
2022: €-29k
2023: €17k
2024: €-56k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€36k▼ 26.9%€28k▼ 22.4%€31k▲ 13.6%€27k▼ 14.4%
Operating result€51k-€9k▼ 82.1%€4k▼ 56.2%€14k▲ 258%€78▼ 99.5%
Net result€42k-€1k▼ 96.5%€-2k€7k€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 99% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184k
Fixed assets
€122k▼ 23.6%
Current assets
€62k▲ 104%
Equity and liabilities €184k
Equity
€27k▼ 14.4%
Debt
€157k▼ 0.9%
The debt ratio rises from 83.4% to 85.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€48k▼
2024 · €65k
Cash flow
€43k▼
2024 · €57k
Solvency
14.6%▼
2024 · 16.6%
Current ratio
0.55▲
2024 · 0.35
Quick ratio
0.46▲
2024 · 0.24
Debt / equity
5.84▲
2024 · 5.04
ROE
-16.8%▼
2024 · 22.4%
ROA
-2.5%▼
2024 · 3.7%
Interest coverage
11.44▼
2024 · 14.59
Debt
€157k▼
2024 · €159k
Debt ≤ 1 year
€114k▲
2024 · €86k
Debt > 1 year
€43k▼
2024 · €70k
Income taxes
€465▼
2024 · €3k
Staff costs
€101k▲
2024 · €98k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€190k€184k▼
Formation expenses20€0-
Fixed assets21/28€160k€122k▼
Intangible fixed assets21€2k€8k▲
Tangible fixed assets22/27€157k€114k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€151k€110k▼
Other tangible fixed assets26€506€186▼
Assets under construction and advance payments27€0-
Current assets29/58€30k€62k▲
Stocks and contracts in progress3€10k€10k▲
Stocks30/36€10k€10k▲
Amounts receivable within one year40/41€5k€4k▼
Trade receivables40€75€100▲
Other amounts receivable41€5k€4k▼
Cash at bank and in hand54/58€8k€32k▲
Deferred charges and accrued income490/1€7k€17k▲
Equity and liabilities
Total equity and liabilities10/49€190k€184k▼
Equity10/15€31k€27k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€29k€24k▼
Amounts payable17/49€159k€157k▼
Amounts payable after more than one year17€70k€43k▼
Financial debts170/4€70k€43k▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€86k€114k▲
Current portion of amounts payable after more than one year42€26k€27k▲
Trade debts44€5k€17k▲
Suppliers440/4€5k€17k▲
Taxes, remuneration and social security45€40k€31k▼
Taxes450/3€19k€22k▲
Remuneration and social security454/9€21k€9k▼
Other amounts payable47/48€15k€39k▲
Accrued charges and deferred income492/3€3k€686▼
Income statement
Code20242025
Remuneration, social security and pensions62€98k€101k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€47k▼
Other operating charges640/8€8k€5k▼
Non-recurring operating charges66A€2k€0▼
Gross operating margin9900€173k€153k▼
Operating profit (loss)9901€14k€78▼
Financial income75/76B€4€12▲
Recurring financial income75€4€12▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€10k€-4k▼
Income taxes67/77€3k€465▼
Profit (loss) for the period9904€7k€-5k▼
Profit (loss) for the period to be appropriated9905€7k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€24k▼
Profit (loss) brought forward from the previous period14P€25k€29k▲
Profit to be distributed694/7€3k€0▼
Return on contributions (dividend)694€3k€0▼
The notes to these accounts (12 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-5k ▼164%
Net result drops to €-5k, the lowest in the series.
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 1.20
Current ratio from 0.49 to 1.20.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 53 days late
2021
31-12
Financial
Highest result since 2020net €42k ▲1008%
Operating result €51k, net result €42k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.23
Current ratio from 0.93 to 2.23.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Soumagne · 2 establishment units since 2020
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.
Rue de l'Egalité 4394630 SoumagneGround area
1,522 m²
Building footprint
50 m²
Volume, LiDAR
667 m³
2 parcels, Wallonia · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Sophie Festré
since 20202.298.541.692
Sophie Festré
since 20202.298.541.791
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62099C0104/00S000 | Wallonia | 1,145 m² | - | - |
| 63572B0081/00M000 | Wallonia | 377 m² | 1 · 50 m² | 14.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,863 companies in sector 96220 we hold annual accounts for 1,443. 1,180 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2019
Fiscal year end31-12
Activities, NACEBEL
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.