Equity
-€61,073
Debts exceed assets in financial year 2025.
CONCEPT IMMO PARTNERS
Lifetime
20 annual accounts with figures on one time axis, 23 filings since 2003peak €465,295 (2022)
€134,712▲ 6.4%
lowest -€172,217 (2025)
-€172,217▼ €59,607
peak €293,944 (2022)
-€61,073▼ €172,217
€3.0m▼ 0.4%
Board1 name since 2021
1 directorvan de BERG Cédric
Documentsfilings and deeds
08-07-202623 days before the deadline
2025micro format
Loss of €172,217Power of attorney: Guillaume VAN DE BERG 04-03Equity from €111,144 to -€61,073Cash from €51,490 to €22,479
Key points
from the 2025 annual accountsLosses
-€355,017 in three years
Every financial year from 2023 to 2025 closed with a loss. 2025 was the heaviest.
Debts
€3.0m 100% of the balance sheet
Financial debts 75%Suppliers 0%Taxes and wages 0%Other 25%
Of this, €772,418 falls due within a year.
Investments
€13,092 0.1 × depreciation
Green is investment, beige is depreciation.
Filings
23 annual accounts since 2003
Eight of the last ten came late. The 2022 accounts came latest: 128 days after the end of the period.
Position in the sector
-€172,217
Lower net result than 95% of companies in real estate. Sector median €5,994 · 17,181 companies.
Checked score
53
Fair
Financially stronger than 16% of small companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 6,995 companies (NACE 68, small).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%
01-2025: 0.9%● unchanged vs 12-2024
02-2025: 0.9%● unchanged vs 01-2025
03-2025: 1.1%▲ +0.2 percentage points vs 02-2025
04-2025: 1.1%● unchanged vs 03-2025
05-2025: 1.1%● unchanged vs 04-2025
06-2025: 1.3%▲ +0.2 percentage points vs 05-2025
07-2025: 1.4%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.5%▼ -0.9 percentage points vs 07-2025
09-2025: 0.5%● unchanged vs 08-2025
10-2025: 0.5%● unchanged vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.3%▼ -0.2 percentage points vs 12-2025lowest value
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.4%▲ +0.1 percentage points vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.5%▲ +0.1 percentage points vs 06-2026
08-2026: 0.5%● unchanged vs 07-2026
09-2026: 0.5%● unchanged vs 08-2026
10-2026: 0.5%● unchanged vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€61,073
Loss of €172,217, the second in a row (financial year 2025)
Liquidity: current ratio 0.03, cash €22,479, halved
lowers risk
Size: total assets €3.0m
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small). It does better than 12% of them on solvency, 36% on liquidity, 13% on profitability and 3% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,242 companies had the same profile as CONCEPT IMMO PARTNERS has now. Each dot stands for 4 companies, two years later.
92.8%
were still trading
4.0%
stopped another way
1.9%
went bankrupt
Another 1.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CONCEPT IMMO PARTNERS itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,242 companies, not a prediction for CONCEPT IMMO PARTNERS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.03 (0.08 in 2024), below 1. Short-term debt is 25.7% and cash 0.7% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€61,073
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 days early
2024
2 days early
2023
58 days late
2022
128 days late
2021
29 days late
2020
88 days late
2019
92 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 53 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (4 of the last 5 accounts filed within 52 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0479102893
Registered office moved within Liège
New registered office: rue Bassenge 45, 4000 Liège · Previous registered office: rue de l'Etat-Tiers 36, 4000 Liège · Resignation: van de BERG Cédric (manager) · General meeting of 11-12-2023 · Gazette deed
Incorporation
published on 31-12-2002 · Gazette deed
First establishment
Rue Bassenge 45, Liège
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CONCEPT IMMO PARTNERS Liège | €3.0m | €134,712 | -2.0% | - |
| CAR CONSULT SERVICE Seraing | €3.1m | €140,587 | -1.5% | - |
| GESFISOINS Beloeil | €3.0m | €131,123 | 45.6% | - |
| V.P.S. REAL ESTATE Knokke-Heist | €3.0m | €116,206 | 80.7% | - |
| PRECISION CUTTING SYSTEMS Lokeren | €2.9m | €127,805 | 16.9% | - |
| TS CONCEPT Jodoigne | €2.7m | €159,285 | 5.5% | 0 |
| GEDECO INVEST Wevelgem | €2.8m | €161,151 | 65.9% | 0 |
These companies have the same main activity as CONCEPT IMMO PARTNERS: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €2.7m and €3.1m, founded between 1999 and 2002.
Official details
Source: KBO- Status
- Active since 20-12-2002Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 4 others
- Establishment unit
- 2.329.855.8664000 Liège, since 20-12-2002
- Financial year end
- 31 December
- Peppol
- Reachable since 16-12-2025
Annual accounts 2025
- ≈ €200,000estimated
- €3.0m▼ 5.8%
- ≈ 0.8 FTEestimated
- Filing
- Filed on 08-07-2026, 23 days before the end of the filing period
Insights on CONCEPT IMMO PARTNERS
CONCEPT IMMO PARTNERS files the micro format. That format states no turnover. The gross margin rose from €23,054 in 2006 to €134,712 in 2025.
The balance sheet grew most from 2007 to 2009 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CONCEPT IMMO PARTNERS
- What is the company number of CONCEPT IMMO PARTNERS?
- The company number of CONCEPT IMMO PARTNERS is 0479.102.893. The VAT number is the same number with BE in front: BE 0479.102.893.
- Where is CONCEPT IMMO PARTNERS based?
- The registered office is at Rue Bassenge 45, 4000 Liège.Company details
- What does CONCEPT IMMO PARTNERS do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of CONCEPT IMMO PARTNERS?
- CONCEPT IMMO PARTNERS is a private limited company (BV).
- When was CONCEPT IMMO PARTNERS founded?
- CONCEPT IMMO PARTNERS was founded on 20-12-2002.
- Is CONCEPT IMMO PARTNERS still active?
- Yes, CONCEPT IMMO PARTNERS is an active enterprise in the KBO register.
- What is the turnover of CONCEPT IMMO PARTNERS?
- The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €134,712 and 31 comparable companies (NACE 68201). It probably lies between €150,000 and €260,000.Financials
- Is CONCEPT IMMO PARTNERS profitable?
- In financial year 2025, CONCEPT IMMO PARTNERS made a loss of €172,217.
- Where can I find the annual accounts of CONCEPT IMMO PARTNERS?
- CONCEPT IMMO PARTNERS filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CONCEPT IMMO PARTNERS due?
- CONCEPT IMMO PARTNERS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.