Equity
€889,324 ▲ 16.6%
CONCEPT CAR has made a profit without a break since 2010.
CONCEPT CAR
Lifetime
20 annual accounts with figures on one time axispeak €279,821 (2021)
€266,846▲ 29.6%
lowest -€3,885 (2009)
€171,334▲ 29.9%
peak €889,324 (2025)
€889,324▲ 16.6%
€262,922▲ 47.1%
peak 0.5 FTE (2019)
-not published
Board1 name since 2006
1 directorZOUEINI Chawkat
Documentsfilings and deeds
31-07-2026on the last day
2025micro format
Gross margin from €205,856 to €266,846Result from €131,858 to €171,334Equity from €762,990 to €889,324Debts from €178,687 to €262,922Cash from €426,148 to €644,129
Key points
from the 2025 annual accountsTurnover
≈ €2.3m estimated
The accounts state no turnover.
Debts
€262,922 ▲ 47.1%
Debts rose by €84,235 in 2025.
Filings
20 annual accounts since 2006
Nine of the last ten came late. The 2018 accounts came latest: 90 days after the end of the period.
At the same address
24 companies
Position in the sector
€171,334
Higher net result than 95% of companies in retail trade. Sector median €5,048 · 22,907 companies.
Checked score
98
Excellent
Financially stronger than 84% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,277 companies (NACE 47, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.2%▲ +0.1 percentage points vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.4%▲ +0.2 percentage points vs 07-2025
09-2025: 0.5%▲ +0.1 percentage points vs 08-2025highest value
10-2025: 0.1%▼ -0.4 percentage points vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: < 0.1%▼ -0.1 percentage points vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
lowers risk
Liquidity: current ratio 4.71, cash €644,129
Equity €889,324 (77.2% of total assets)
Founded in 2006
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 47, micro). It does better than 92% of them on solvency, 93% on liquidity, 82% on profitability and 69% on growth.
The bankruptcy probability was computed on 10-11-2026 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 31-12-2025.
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, 31,368 companies had the same profile as CONCEPT CAR has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CONCEPT CAR itself: < 0.1% within 12 months.
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 31,368 companies, not a prediction for CONCEPT CAR. 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 €85,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.71 (5.64 in 2024), above the usual 1.5. Short-term debt is 20.5% and cash 55.9% of total assets. 22.8% 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
Five signals.
lowers riskraises riskneutral
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 days late
2023
27 days late
2022
24 days late
2021
30 days late
2020
88 days late
2019
82 days late
← 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 40 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (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 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0878763877
New establishment in Dilbeek
Ninoofsesteenweg 598
Registered office moved from Dilbeek to Koekelberg
New registered office: Kasteellaan 58 bus 11, 1081 Koekelberg · Previous registered office: Stationsstraat 143, 1700 Dilbeek · General meeting of 17-10-2023 · Gazette deed
First establishment
Stationsstraat 143, Dilbeek
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CONCEPT CAR Koekelberg | €1.2m | €266,846 | 77.2% | - |
| ACPL HUY Huy | €1.1m | €267,340 | 94.4% | 1.6 |
| JANSSENS.S Aartselaar | €1.2m | €264,661 | 84.8% | 2 |
| ROSSION & FILS Wellin | €1.2m | €231,544 | 72.2% | 2.4 |
| GARAGE CASSELMAN Middelkerke | €1.0m | €264,184 | 92.3% | 1 |
| GARAGE NAEYAERT Izegem | €1.2m | €282,856 | 42.0% | 1.5 |
| GARAGE LEVEQUE Marche-en-Famenne | €1.1m | €324,691 | 72.4% | 1.8 |
These companies have the same main activity as CONCEPT CAR: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €993,000 and €1.2m, founded between 2004 and 2007.
Official details
Source: KBO- Status
- Active since 19-01-2006Normal situation
- Registered office
- 25 active companies are registered at this address3 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Retail sale of cars and light vans (up to 3.5 tonnes)NACE 47811
- Joint committee
- 112Garages · annual accounts 2025
- Establishment units
- 2.151.431.2941700 Dilbeek, since 02-02-2006
- 2.360.800.5491701 Dilbeek, since 23-06-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 03-12-2025
Annual accounts 2025
- €1.2m▲ 22.4%
- Employeeson 31-12-2025
- 1
- Filing
- Filed on 31-07-2026, on the last day of the filing period
Insights on CONCEPT CAR
CONCEPT CAR files the micro format. That format states no turnover. The gross margin rose from €4,268 in 2006 to €266,846 in 2025.
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 CONCEPT CAR
- What is the company number of CONCEPT CAR?
- The company number of CONCEPT CAR is 0878.763.877. The VAT number is the same number with BE in front: BE 0878.763.877.
- Where is CONCEPT CAR based?
- The registered office is at Kasteellaan 58, 1081 Koekelberg.Company details
- What does CONCEPT CAR do?
- According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
- What is the legal form of CONCEPT CAR?
- CONCEPT CAR is a private limited company (BV).
- When was CONCEPT CAR founded?
- CONCEPT CAR was founded on 19-01-2006.
- Is CONCEPT CAR still active?
- Yes, CONCEPT CAR is an active enterprise in the KBO register.
- How many employees does CONCEPT CAR have?
- CONCEPT CAR had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does CONCEPT CAR fall under?
- In its 2025 annual accounts, CONCEPT CAR states joint committee 112 (Garages).
- What is the turnover of CONCEPT CAR?
- The turnover in financial year 2025 is ≈ €2.3m. This figure is estimated from the gross margin of €266,846 and 35 comparable companies (NACE 47811). It probably lies between €1.2m and €3.4m.
- Is CONCEPT CAR profitable?
- In financial year 2025, CONCEPT CAR made a profit of €171,334.
- Where can I find the annual accounts of CONCEPT CAR?
- CONCEPT CAR filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CONCEPT CAR due?
- CONCEPT CAR must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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