CONCEPT & CONSULTING

Active

Private limited company (pre-2019)founded 200917 yrs activeLokvogelstraat 32, 1020 Brussel, BelgiumKBO/BCE: BE 0811.844.468

CONCEPT & CONSULTING has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €4k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 31% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2025

46 / 100

Fair▼ -15 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability32▼-68

Solvency39▲+4

Growth78=

Stability100

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity short (current ratio 0.27 against 0.27 in 2024), and 68.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

31.8%

Return on assets

Age of the figures

11 mo

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-11-2025, 178 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

178 d early

2024

156 d early

2023

167 d early

2022

152 d early

2021

162 d early

2020

161 d early

2019

190 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

15-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€67k▲ 5.5%

2024 · €64k

2018: €22k 2019: €32k 2020: €33k 2021: €37k 2022: €40k 2023: €41k 2024: €64k

2018 → 2025

Total assets

€212k▼ 1.9%

2024 · €216k

2018: €174k 2019: €170k 2020: €144k 2021: €216k 2022: €209k 2023: €200k 2024: €216k

2018 → 2025

Net result

€4k▼ 81.4%

2024 · €23k

2018: €-5k 2019: €13k 2020: €2k 2021: €5k 2022: €4k 2023: €2k 2024: €23k

2018 → 2025

Working capital

€-74k▼ 2.9%

2024 · €-72k

2018: €17k 2019: €20k 2020: €13k 2021: €-94k 2022: €-92k 2023: €-94k 2024: €-72k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€37k-€40k▲ 8.0%€41k▲ 3.0%€64k▲ 54.0%€67k▲ 5.5%

Operating result€9k-€8k▼ 7.8%€5k▼ 46.2%€37k▲ 709%€10k▼ 72.1%

Net result€5k-€4k▼ 29.1%€2k▼ 47.0%€23k▲ 1,057%€4k▼ 81.4%

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 72% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €212k

87.4%

12.6%

Fixed assets €185k▼ 2.2%

Current assets €27k▲ 0.1%

Equity and liabilities €212k

31.8%

68.2%

Equity €67k▲ 5.5%

Debt €145k▼ 5.0%

The debt ratio falls from 70.4% to 68.2%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€18k▼

2024 · €44k

Cash flow

€12k▼

2024 · €31k

Solvency

31.8%▲

2024 · 29.6%

Current ratio

0.27▼

2024 · 0.27

Quick ratio

0.27▼

2024 · 0.27

Debt / equity

2.15▼

2024 · 2.38

ROE

6.4%▼

2024 · 36.3%

ROA

2.0%▼

2024 · 10.7%

Interest coverage

5.00▼

2024 · 10.33

Debt

€145k▼

2024 · €152k

Debt ≤ 1 year

€100k▲

2024 · €98k

Debt > 1 year

€44k▼

2024 · €54k

Income taxes

€2k▼

2024 · €9k

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€216k€212k▼

Fixed assets21/28€189k€185k▼

Tangible fixed assets22/27€189k€185k▼

Land and buildings22€189k€185k▼

Financial fixed assets28€150€150=

Current assets29/58€27k€27k▲

Amounts receivable within one year40/41€301€685▲

Other amounts receivable41€301€685▲

Cash at bank and in hand54/58€26k€25k▼

Deferred charges and accrued income490/1€596€778▲

Equity and liabilities

Total equity and liabilities10/49€216k€212k▼

Equity10/15€64k€67k▲

Contributions10/11€18k€18k=

Reserves13€2k€2k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Profit (loss) carried forward14€44k€48k▲

Amounts payable17/49€152k€145k▼

Amounts payable after more than one year17€54k€44k▼

Financial debts170/4€54k€44k▼

Amounts payable within one year42/48€98k€100k▲

Current portion of amounts payable after more than one year42€7k€8k▲

Trade debts44€3k€6k▲

Suppliers440/4€3k€6k▲

Taxes, remuneration and social security45€9k€2k▼

Taxes450/3€9k€2k▼

Other amounts payable47/48€79k€84k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲

Other operating charges640/8€3k€3k▼

Gross operating margin9900€47k€21k▼

Operating profit (loss)9901€37k€10k▼

Financial charges65/66B€4k€4k▼

Recurring financial charges65€4k€4k▼

Profit (loss) for the period before taxes9903€32k€7k▼

Income taxes67/77€9k€2k▼

Profit (loss) for the period9904€23k€4k▼

Profit (loss) for the period to be appropriated9905€23k€4k▼

Appropriation of the result

Profit (loss) to be appropriated9906€45k€48k▲

Profit (loss) brought forward from the previous period14P€22k€44k▲

Profit to be distributed694/7€800€800=

Return on contributions (dividend)694€800€800=

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 12Financial 2Filings 10

Next filing, fiscal year 2026, expected by 30-04-2027

2025

03-11

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2024

25-11

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

30-09

Financial Highest result since 2018net €23k ▲1057%

Operating result €37k, net result €23k, both a record.

2023

15-11

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2022

29-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2021

19-11

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2020

20-11

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2019

23-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

30-09

Financial Back to profitnet €13k

Net result €13k after one loss-making year.

2018

30-11

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2017

08-12

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2016

30-11

NBB filing Annual accounts filed

fiscal year 2016 · full schema

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, Brussel

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.

Lokvogelstraat 321020 Brussel

Ground area

134 m²

Building footprint

70 m²

Volume, LiDAR

854 m³

Parcel 21815D0084/00G000, Brussels · tallest building 14.9 m, ±5 floors. Linked by address, not a title deed.

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21815D0084/00G000	Brussels	134 m²	1 · 70 m²	14.9 m · 5 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

MOEVE TO CONSULT

BE 0875.280.884

Dendermonde · Eq €67k

Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 39,369 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded20-05-2009

Fiscal year end30-09

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

Sources

Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.