CONCEPT DE REVE
ActiveThe computed 12-month bankruptcy probability of CONCEPT DE REVE is 4.8% (elevated). The 2025 annual accounts show negative equity (€-35k) and a net result of €-66k. Equity is shrinking by ~43.6% per year across the filed fiscal years. Its solvency ranks better than 19% of 18281 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
17
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▼-6
Solvency18▼-3
Growth32=
Track record94
Bankruptcy probability, 12 months
4.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.31 against 0.36 in 2024; short-term debt: 104.9% and cash: 1.2% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Nine 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 · 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 →
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
-7.5%
Return on assets
-14%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-35k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-08-2026, 22 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
22 d late
2024
24 d late
2023
26 d late
2022
30 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-35k▼ 80.1%
2024 · €-19k
2022: €-7k
2023: €-20k
2024: €-19k
2022 → 2025
Total assets
€470k▼ 11.4%
2024 · €530k
2022: €32k
2023: €338k
2024: €530k
2022 → 2025
Net result
€-66k▼ 31.4%
2024 · €-50k
2022: €-32k
2023: €-12k
2024: €-50k
2022 → 2025
Working capital
€-342k▲ 0.5%
2024 · €-343k
2022: €-27k
2023: €-248k
2024: €-343k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-7k-€-20k▼ 164%€-19k▲ 0.3%€-35k▼ 80.1%
Operating result€-32k-€-12k▲ 62.2%€-50k▼ 305%€-65k▼ 31.5%
Net result€-32k-€-12k▲ 62.6%€-50k▼ 312%€-66k▼ 31.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €65k in 2025 against €50k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €470k
Fixed assets
€318k▼ 5.2%
Current assets
€151k▼ 22.1%
Key figures and ratios
EBITDA
€-21k▼
2024 · €-19k
Cash flow
€-22k▼
2024 · €-19k
Solvency
-7.5%▼
2024 · -3.7%
Current ratio
0.31▼
2024 · 0.36
Quick ratio
0.03▼
2024 · 0.27
Debt / equity
-14.40▲
2024 · -28.24
ROA
-14.0%▼
2024 · -9.4%
Interest coverage
-74.28▼
2024 · -60.83
Debt
€505k▼
2024 · €550k
Debt ≤ 1 year
€493k▼
2024 · €538k
Income taxes
€6
Staff costs
€108k▲
2024 · €76k
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€530k€470k▼
Fixed assets21/28€336k€318k▼
Tangible fixed assets22/27€328k€318k▼
Plant, machinery and equipment23€33k€23k▼
Furniture and vehicles24€7k€39k▲
Other tangible fixed assets26€288k€257k▼
Financial fixed assets28€7k€165▼
Current assets29/58€194k€151k▼
Stocks and contracts in progress3€49k€139k▲
Stocks30/36€49k€49k=
Contracts in progress37-€90k
Amounts receivable within one year40/41€141k€1k▼
Trade receivables40€136k€0▼
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€3k€5k▲
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€530k€470k▼
Equity10/15€-19k€-35k▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€-44k€-60k▼
Amounts payable17/49€550k€505k▼
Amounts payable within one year42/48€538k€493k▼
Trade debts44€126k€8k▼
Suppliers440/4€126k€8k▼
Advances received on contracts in progress46€3k-
Taxes, remuneration and social security45€5k€27k▲
Taxes450/3-€21k
Remuneration and social security454/9€5k€6k▲
Other amounts payable47/48€403k€458k▲
Accrued charges and deferred income492/3€12k€12k▼
Income statement
Code20242025
Non-recurring operating income76A€124k-
Remuneration, social security and pensions62€76k€108k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€44k▲
Other operating charges640/8€537€2k▲
Gross operating margin9900€58k€89k▲
Operating profit (loss)9901€-50k€-65k▼
Financial income75/76B€20-
Recurring financial income75€20-
Financial charges65/66B€309€288▼
Recurring financial charges65€309€288▼
Profit (loss) for the period before taxes9903€-50k€-66k▼
Income taxes67/77-€6
Profit (loss) for the period9904€-50k€-66k▼
Profit (loss) for the period to be appropriated9905€-50k€-66k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-94k€-110k▼
Profit (loss) brought forward from the previous period14P€-45k€-44k▲
Shareholders' contribution to the loss794€50k€50k=
The notes to these accounts (7 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
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 22 days late
2025
31-12
Financial
Weakest financial yearnet €-66k
Net result drops to €-66k, the lowest in the series.
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
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, Seraing · 3 establishment units since 2022
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 Fr. Roosevelt 194102 SeraingGround area
1,062 m²
Building footprint
173 m²
Volume, LiDAR
1,014 m³
2 parcels, Brussels · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
CONCEPT DE REVE
since 20222.333.714.882
CONCEPT DE REVE
since 20232.343.782.096
CONCEPT DE REVE
since 20232.342.373.618
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0901/00X016 | Brussels | 944 m² | 1 · 173 m² | 7.0 m · 2 fl. |
| 21306D0062/00N008 | Brussels | 118 m² | - | - |
Linked by address, not proof of ownership
Methodology
via establishment units: 2
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector and region
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Thimister-Clermont
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 2,610 companies in sector 47551 we hold annual accounts for 1,718.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2022
Fiscal year end31-12
Legal name FR
FIKRA
Activities, NACEBEL
31004Manufacture of dining room, living room, bedroom and bathroom furniture
47551Retail sale of household furniture
47591Retail trade
31009Manufacture of furniture
47512Retail sale of household textiles and bedding
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.