CONCEPT FINANCES
CONCEPT FINANCES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2023 annual accounts show equity of €91k and a net result of €123k. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €91k |
| Net result | €123k |
| Staff (FTE) | 4 |
| Active | 3 yrs |
Mixed profile: strong on profitability, weaker on health.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
| Fiscal year | 2023 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €123k |
| Cash flow | n/a |
| Staff costs | €281k |
| Income taxes | €27k |
| Dividends | - |
| Total assets | €2.04M |
| Equity | €91k |
| Debt | €1.95M |
| of which ≤ 1y | €618k |
| of which > 1y | €1.32M |
| Working capital | n/a |
| Employees (FTE) | 4.0 |
| 2023 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 4.5% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 6.0% |
| ROE | 135.2% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €2.04M |
| Fixed assets | 21/28 | €1.77M |
| Intangible fixed assets | 21 | €1.74M |
| Tangible fixed assets | 22/27 | €38k |
| Financial fixed assets | 28 | €265 |
| Current assets | 29/58 | €265k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €2.04M |
| Equity | 10/15 | €91k |
| Contributions / capital | 10/11 | €18k |
| Reserves | 13 | €73k |
| Amounts payable | 17/49 | €1.95M |
| Amounts payable after one year | 17 | €1.32M |
| Amounts payable within one year | 42/48 | €618k |
| Trade debts payable within one year | 44 | €45k |
| Income statement | ||
| Gross operating margin | 9900 | €570k |
| Operating result | 9901 | €183k |
| Financial charges | 65 | €33k |
| Result before taxes | 9903 | €150k |
| Income taxes | 67/77 | €27k |
| Net result for the period | 9904 | €123k |
| Result to be appropriated | 9905 | €123k |
| NACE primary | 66199 |
| Legal form | Private limited company(610) |
| Incorporation | 07-04-2023 |
| Status | Active |
| Postal code | 4890 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63077A0487/00D002 | Wallonia | 2,307 m² | 1 · 167 m² | 9.2 m · 2 fl. |
| 63074B0892/00B005 | Wallonia | 868 m² | 1 · 160 m² | 8.3 m · 2 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameFR | CONCEPT FINANCES |