CONCEPT GARDENS
ActiveCONCEPT GARDENS has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €100k and a net result of €13k. Equity is growing by ~35.1% per year across the filed fiscal years. Its solvency ranks better than 13% of 1936 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability62▲+11
Solvency31=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.7 against 0.59 in 2023; short-term debt: 55.2% and cash: 0% of total assets), and 93.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 1936 sector peers (2024).
NBB · sector comparisonPosition among 1936 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-08-2025, 14 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
14 d late
2023
36 d early
2022
45 d early
2021
19 d early
2020
40 d early
2019
42 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€100k▲ 14.8%
2023 · €87k
2018: €-91k
2019: €-149k
2020: €72k
2021: €42k
2022: €119k
2023: €87k
2018 → 2024
Total assets
€1.64M▲ 9.0%
2023 · €1.51M
2018: €467k
2019: €1.05M
2020: €1.23M
2021: €1.37M
2022: €2.07M
2023: €1.51M
2018 → 2024
Net result
€13k
2023 · €-32k
2018: €26k
2019: €-58k
2020: €221k
2021: €84k
2022: €77k
2023: €-32k
2018 → 2024
Working capital
€-272k▲ 2.9%
2023 · €-280k
2018: €-154k
2019: €-230k
2020: €-63k
2021: €-225k
2022: €-166k
2023: €-280k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€72k-€42k▼ 42.0%€119k▲ 185%€87k▼ 26.6%€100k▲ 14.8%
Operating result€268k-€128k▼ 52.5%€106k▼ 17.1%€-8k€47k
Net result€221k-€84k▼ 61.9%€77k▼ 8.5%€-32k€13k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €47k after a loss of €8k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.64M
Fixed assets
€1.01M▼ 9.2%
Current assets
€635k▲ 59.8%
Equity and liabilities €1.64M
Equity
€100k▲ 14.8%
Debt
€1.54M▲ 8.6%
The debt ratio falls from 94.2% to 93.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€155k▲
2023 · €92k
Cash flow
€121k▲
2023 · €69k
Solvency
6.1%▲
2023 · 5.8%
Current ratio
0.70▲
2023 · 0.59
Quick ratio
0.37▼
2023 · 0.40
Debt / equity
15.42▼
2023 · 16.30
ROE
12.9%▲
2023 · -36.2%
ROA
0.8%▲
2023 · -2.1%
Interest coverage
5.08▲
2023 · 4.17
Debt
€1.54M▲
2023 · €1.42M
Debt ≤ 1 year
€906k▲
2023 · €677k
Debt > 1 year
€636k▼
2023 · €741k
Income taxes
€4k▲
2023 · €1k
Staff costs
€580k▼
2023 · €698k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.51M€1.64M▲
Fixed assets21/28€1.11M€1.01M▼
Intangible fixed assets21€28k€21k▼
Tangible fixed assets22/27€1.08M€987k▼
Land and buildings22€792k€773k▼
Plant, machinery and equipment23€47k€39k▼
Furniture and vehicles24€206k€144k▼
Leasing and similar rights25€38k€30k▼
Current assets29/58€397k€635k▲
Stocks and contracts in progress3€125k€302k▲
Stocks30/36€125k€302k▲
Amounts receivable within one year40/41€228k€329k▲
Trade receivables40€209k€324k▲
Other amounts receivable41€20k€6k▼
Cash at bank and in hand54/58€780€8▼
Deferred charges and accrued income490/1€44k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.51M€1.64M▲
Equity10/15€87k€100k▲
Contributions10/11€19k€19k=
Reserves13€799€799=
Non-distributable reserves130/1€799€799=
Reserves not available under the articles1311€799€799=
Profit (loss) carried forward14€68k€81k▲
Amounts payable17/49€1.42M€1.54M▲
Amounts payable after more than one year17€741k€636k▼
Financial debts170/4€741k€627k▼
Other amounts payable178/9-€9k
Amounts payable within one year42/48€677k€906k▲
Current portion of amounts payable after more than one year42€124k€113k▼
Financial debts43€44k€140k▲
Credit institutions430/8€44k€140k▲
Trade debts44€299k€489k▲
Suppliers440/4€299k€489k▲
Advances received on contracts in progress46€119k€77k▼
Taxes, remuneration and social security45€92k€86k▼
Taxes450/3€19k€59k▲
Remuneration and social security454/9€73k€27k▼
Other amounts payable47/48-€272
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20232024
Remuneration, social security and pensions62€698k€580k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€100k€108k▲
Other operating charges640/8€13k€4k▼
Gross operating margin9900€803k€739k▼
Operating profit (loss)9901€-8k€47k▲
Financial income75/76B-€978
Recurring financial income75-€978
Financial charges65/66B€22k€30k▲
Recurring financial charges65€22k€30k▲
Profit (loss) for the period before taxes9903€-30k€17k▲
Income taxes67/77€1k€4k▲
Profit (loss) for the period9904€-32k€13k▲
Profit (loss) for the period to be appropriated9905€-32k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€81k▲
Profit (loss) brought forward from the previous period14P€99k€68k▼
Social balance
Average headcount (FTE)908714.712.5▼
The notes to these accounts (22 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
29-07
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director appointment4 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director appointment4 facts ▸
- General meeting, 17/06/2026
- Director resignation, Nicky Daems (bestuurder)
- Director appointment, Daems. BV (bestuurder)
- Mandate compensation, Daems. BV
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 14 days late
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-12
Financial
Equity above €100kEq €100k ▲14.8%
Equity rises from €87k to €100k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100kEq €119k ▲185%
3 profitable years in a row build equity to €119k.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €221k
Net result €221k after one loss-making year.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-58k ▼327%
Net result drops to €-58k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 60 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2025
DAEMS.
CurrentDirector · since 06-10-2025 · Private limited company
06-10-2025
DAEMS.: Appointed as Director
06-10-2025
Nicky Daems: Resigned as Director
Location & real-estate footprint
Registered office, Lier · 1 establishment unit since 2012
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.
Mechelsesteenweg 3782500 LierGround area
3,641 m²
Building footprint
201 m²
Parcel 12393E0589/00B002, Flanders. Linked by address, not a title deed.
1 establishment unit
Concept Gardens
since 20122.214.062.216
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12393E0589/00B002 | Flanders | 3,641 m² | 1 · 201 m² | - |
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.
Structure & network
Ownership & control
1 partyControl over this companysits on this company's board1
1 subsidiary · 1 location
controls
CONCEPT GARDENSBE 0500.451.110
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 7,764 EUR awarded · 7,439 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,034 EUR | 1,034 EUR |
| 2023 | 2 | 3,995 EUR | 3,995 EUR |
| 2022 | 1 | 2,735 EUR | 2,410 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidies ecologisch en veilig transport (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
6 live approvalsGroenaanleg en –beheer duaal (so)
Medewerker groen- en tuinaanleg (vwo)
Medewerker groen- en tuinaanleg duaal (so)
Medewerker groen- en tuinbeheer (vwo)
Medewerker groen- en tuinbeheer duaal (so)
Tuinaanlegger-groenbeheerder duaal (so)
Similar companies · same sector, comparable size
Sam Lippens Tuin
BE 0723.514.882
Lokeren · Eq €100k
PLANTSCAPE'S HORTICULTURAL SERVICE
BE 0544.593.731
Overijse · Eq €100k
HARDEN landschap & stedenbouw
BE 0791.887.016
Antwerpen · Eq €100k
INFINITY GREEN
BE 0716.749.529
Frasnes-lez-Anvaing · Eq €101k
LEGRAND JARDIN
BE 0676.826.507
Bernissart · Eq €99k
Of 2,263 companies in sector 71113 we hold annual accounts for 658. 549 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-2012
Fiscal year end31-12
Activities, NACEBEL
71113Urban planning and landscape architecture
81300Landscape service activities
42990Civil engineering
68204Real estate activities
77340Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.