CONCEPT CAR
ActiveCONCEPT CAR has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €889k and a net result of €171k. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 85% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 4.71 against 5.64 in 2024; short-term debt: 20.5% and cash: 55.9% of total assets), and 22.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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 47
Relative position
BE, all sectors
reference
Sector 47
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
77.2%
Return on assets
14.9%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
27 d late
2022
24 d late
2021
30 d late
2020
88 d late
2019
82 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€171k▲ 29.9%
2024 · €132k
2018: €47k
2019: €73k
2020: €156k
2021: €196k
2022: €174k
2023: €149k
2024: €132k
2018 → 2025
Working capital
€877k▲ 19.2%
2024 · €736k
2018: €207k
2019: €251k
2020: €348k
2021: €618k
2022: €568k
2023: €690k
2024: €736k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€427k-€556k▲ 30.3%€676k▲ 21.6%€763k▲ 12.8%€889k▲ 16.6%
Operating result€271k-€237k▼ 12.8%€196k▼ 17.2%€176k▼ 10.2%€235k▲ 33.7%
Net result€196k-€174k▼ 11.0%€149k▼ 14.8%€132k▼ 11.3%€171k▲ 29.9%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 34% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.15M
Fixed assets
€38k▼ 18.2%
Current assets
€1.11M▲ 24.5%
Equity and liabilities €1.15M
Equity
€889k▲ 16.6%
Debt
€263k▲ 47.1%
The debt ratio rises from 19.0% to 22.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€244k▲
2024 · €184k
Cash flow
€180k▲
2024 · €140k
Solvency
77.2%▼
2024 · 81.0%
Current ratio
4.71▼
2024 · 5.64
Quick ratio
2.87▼
2024 · 3.06
Debt / equity
0.30▲
2024 · 0.23
ROE
19.3%▲
2024 · 17.3%
ROA
14.9%▲
2024 · 14.0%
Interest coverage
128.43▲
2024 · 97.84
Debt
€263k▲
2024 · €179k
Debt ≤ 1 year
€237k▲
2024 · €159k
Debt > 1 year
€26k▲
2024 · €20k
Income taxes
€62k▲
2024 · €43k
Staff costs
€23k▲
2024 · €21k
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€942k€1.15M▲
Fixed assets21/28€47k€38k▼
Tangible fixed assets22/27€47k€38k▼
Plant, machinery and equipment23€647€372▼
Furniture and vehicles24€9k€5k▼
Other tangible fixed assets26€37k€32k▼
Financial fixed assets28€190€190=
Current assets29/58€895k€1.11M▲
Amounts receivable after more than one year29€8k-
Trade receivables290€8k-
Stocks and contracts in progress3€409k€436k▲
Stocks30/36€409k€436k▲
Amounts receivable within one year40/41€52k€34k▼
Trade receivables40€52k€34k▼
Cash at bank and in hand54/58€426k€644k▲
Equity and liabilities
Total equity and liabilities10/49€942k€1.15M▲
Equity10/15€763k€889k▲
Contributions10/11€35k€35k=
Reserves13€651k€822k▲
Distributable reserves133€651k€822k▲
Profit (loss) carried forward14€77k€32k▼
Amounts payable17/49€179k€263k▲
Amounts payable after more than one year17€20k€26k▲
Financial debts170/4€20k€26k▲
Amounts payable within one year42/48€159k€237k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€59k€84k▲
Suppliers440/4€59k€84k▲
Advances received on contracts in progress46-€68k
Taxes, remuneration and social security45€47k€76k▲
Taxes450/3€44k€72k▲
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€45k-
Income statement
Code20242025
Remuneration, social security and pensions62€21k€23k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€387€400▲
Gross operating margin9900€206k€267k▲
Operating profit (loss)9901€176k€235k▲
Financial income75/76B€498€10▼
Recurring financial income75€498€10▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€175k€233k▲
Income taxes67/77€43k€62k▲
Profit (loss) for the period9904€132k€171k▲
Profit (loss) for the period to be appropriated9905€132k€171k▲
Appropriation of the result
Profit (loss) to be appropriated9906€254k€249k▼
Profit (loss) brought forward from the previous period14P€122k€77k▼
Transfer to equity691/2€132k€171k▲
To other reserves6921€132k€171k▲
Profit to be distributed694/7€45k€45k=
Directors or managers695€45k€45k=
The notes to these accounts (9 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Equity above €500kEq €556k ▲30.3%
5 profitable years in a row build equity to €556k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €196k ▲25.5%
Operating result €271k, net result €196k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 7.60
Current ratio from 3.00 to 7.60; short-term debt falls from €174k to €94k.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 88 days late
2020
31-12
Financial
Equity above €200kEq €276k ▲67.5%
3 profitable years in a row build equity to €276k.
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 82 days late
2019
31-12
Financial
Equity above €150kEq €165k ▲20.4%
2 profitable years in a row build equity to €165k.
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 90 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Koekelberg · 2 establishment units since 2006
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.
Kasteellaan 581081 KoekelbergGround area
2,796 m²
Building footprint
1,562 m²
Volume, LiDAR
12,980 m³
3 parcels, Brussels, Flanders · tallest building 23.3 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
CONCEPT CAR
since 20062.151.431.294
CONCEPT CAR
since 20242.360.800.549
3 parcels
Flanders
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016A0101/00A000 | Flanders | 1,046 m² | 1 · 213 m² | 7.3 m · 2 fl. |
| 21011A0013/00T000 | Brussels | 902 m² | 1 · 649 m² | 23.3 m · 6 fl. |
| 23037B0304/00N000 | Flanders | 848 m² | 1 · 700 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
GARAGE ZAGERS
BE 0434.716.287
Zoersel · Eq €889k
AUTOMOTIVE GROUP WAREGEM
BE 0536.887.080
Roeselare · Eq €890k
Auto Centrum Zwijndrecht
BE 0411.928.514
Beveren-Kruibeke-Zwijndrecht · Eq €890k
GARAGE CENTRAL
BE 0417.432.075
Waimes · Eq €890k
GT MOTORS
BE 0679.998.407
Ardooie · Eq €888k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,051 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2006
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.