CONCEPT-F3
ActiveSummary
CONCEPT-F3 has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €186k and a net result of €-19k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 52% of 1638 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-3
Solvency71▼-3
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.16 against 0.28 in 2024; short-term debt: 32.1% and cash: 3.1% of total assets), and 53.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-19k
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
53 d late
2023
91 d late
2022
31 d late
2021
61 d late
2020
17 d late
2019
41 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€186k▼ 9.3%
2024 · €205k
2018: €199k
2019: €178k
2020: €171k
2021: €192k
2022: €239k
2023: €215k
2024: €205k
2018 → 2025
Total assets
€404k▼ 3.6%
2024 · €418k
2018: €301k
2019: €255k
2020: €217k
2021: €235k
2022: €298k
2023: €441k
2024: €418k
2018 → 2025
Net result
€-19k▼ 95.2%
2024 · €-10k
2018: €22k
2019: €-21k
2020: €-8k
2021: €21k
2022: €47k
2023: €-24k
2024: €-10k
2018 → 2025
Working capital
€-108k▼ 23.8%
2024 · €-87k
2018: €-17k
2019: €-35k
2020: €-40k
2021: €-20k
2022: €28k
2023: €-58k
2024: €-87k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€192k-€239k▲ 24.7%€215k▼ 10.2%€205k▼ 4.6%€186k▼ 9.3%
Operating result€22k-€57k▲ 162%€-23k€-5k▲ 77.1%€-8k▼ 55.6%
Net result€21k-€47k▲ 123%€-24k€-10k▲ 59.7%€-19k▼ 95.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €5k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €404k
Fixed assets
€382k ▼ 0.6%
Current assets
€21k ▼ 37.1%
Equity and liabilities €404k
Equity
€186k ▼ 9.3%
Debt
€217k ▲ 2.0%
Debt's share of the balance-sheet total rises from 51.0% to 53.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-5k▼
2024 · €-1k
Cash flow
€-16k▼
2024 · €-6k
Current ratio
0.16▼
2024 · 0.28
Debt to equity
1.17▲
2024 · 1.04
ROE
-10.3%▼
2024 · -4.8%
ROA
-4.7%▼
2024 · -2.3%
Interest coverage
-0.42▼
2024 · -0.32
Debt ≤ 1 year
€130k▲
2024 · €121k
Debt > 1 year
€81k▼
2024 · €91k
Staff costs
€6k▼
2024 · €24k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€418k€404k▼
Fixed assets21/28€384k€382k▼
Tangible fixed assets22/27€175k€172k▼
Land and buildings22€175k€172k▼
Plant, machinery and equipment23€0-
Financial fixed assets28€209k€211k▲
Current assets29/58€34k€21k▼
Amounts receivable within one year40/41€3k€8k▲
Trade receivables40€0€5k▲
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€31k€12k▼
Deferred charges and accrued income490/1€76€574▲
Equity and liabilities
Total equity and liabilities10/49€418k€404k▼
Equity10/15€205k€186k▼
Contributions10/11€6k€6k=
Reserves13€233k€180k▼
Non-distributable reserves130/1€0-
Other1319€0-
Distributable reserves133€233k€180k▼
Profit (loss) carried forward14€-34k€0▲
Amounts payable17/49€213k€217k▲
Amounts payable after more than one year17€91k€81k▼
Financial debts170/4€91k€81k▼
Amounts payable within one year42/48€121k€130k▲
Current portion of amounts payable after more than one year42€9k€10k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€3k€6k▲
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€104k€112k▲
Accrued charges and deferred income492/3€1k€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€24k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€25k€3k▼
Operating profit (loss)9901€-5k€-8k▼
Financial income75/76B€8€538▲
Recurring financial income75€8€538▲
Financial charges65/66B€4k€11k▲
Recurring financial charges65€4k€11k▲
Profit (loss) for the period before taxes9903€-10k€-19k▼
Income taxes67/77€0-
Profit (loss) for the period9904€-10k€-19k▼
Profit (loss) for the period to be appropriated9905€-10k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-53k▼
Profit (loss) brought forward from the previous period14P€-24k€-34k▼
Transfer from equity791/2-€53k
Social balance
Average headcount (FTE)90870.50.0▼
The notes to these accounts (18 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 53 days late
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
2023
31-12
Financial
Weakest financial yearnet €-24k ▼151%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €47k ▲123%
Operating result €57k, net result €47k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.49
Current ratio from 0.54 to 1.49.
31-12
Financial
Equity above €200kEq €239k ▲24.7%
2 profitable years in a row build equity to €239k.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Back to profitnet €21k
Net result €21k after 2 loss-making years.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
Show earlier events
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Deinze · 1 establishment unit since 2005
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.
Achiel Cassimanstraat 209800 DeinzeGround area
1,060 m²
Building footprint
188 m²
Volume, LiDAR
1,004 m³
Parcel 44065A0205/00Y003, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CONCEPT - F3
since 20052.147.464.687
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44065A0205/00Y003 | Flanders | 1,060 m² | 1 · 188 m² | 8.3 m · 2 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.
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COHERENCES
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SPOT ON
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ARIADNE
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Alain Solliard SPRLU
BE 0546.922.127
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Of 13,421 companies in sector 73300 we hold annual accounts for 6,901. 5,310 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-04-2005
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:09.225.18.11