CONCEPT MANAGEMENT
ActiveCONCEPT MANAGEMENT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €973k and a net result of €-23k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 73% of 8578 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
22
/ 100
Critical▼ -47 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-45
Solvency68▼-6
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.56 against 0.84 in 2024), and 23.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
76.9%
Return on assets
-1.8%
Age of the figures
8 mo
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
44 d early
2023
29 d early
2022
76 d early
2021
38 d early
2020
50 d early
2019
43 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€973k▼ 2.3%
2024 · €996k
2018: €645k
2019: €672k
2020: €771k
2021: €839k
2022: €855k
2023: €905k
2024: €996k
2018 → 2025
Total assets
€1.27M▼ 3.4%
2024 · €1.31M
2018: €1.25M
2019: €1.23M
2020: €1.23M
2021: €1.23M
2022: €1.22M
2023: €1.29M
2024: €1.31M
2018 → 2025
Net result
€-23k
2024 · €90k
2018: €75k
2019: €53k
2020: €99k
2021: €68k
2022: €73k
2023: €80k
2024: €90k
2018 → 2025
Working capital
€-57k▼ 205%
2024 · €-19k
2018: €-56k
2019: €-86k
2020: €-66k
2021: €-70k
2022: €-104k
2023: €-34k
2024: €-19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€839k-€855k▲ 1.9%€905k▲ 5.8%€996k▲ 10.0%€973k▼ 2.3%
Operating result€112k-€120k▲ 7.3%€112k▼ 6.6%€122k▲ 9.4%€-6k
Net result€68k-€73k▲ 8.0%€80k▲ 8.8%€90k▲ 13.2%€-23k
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 turns negative in 2025: a loss of €6k after €122k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.27M
Fixed assets
€1.19M▼ 1.4%
Current assets
€73k▼ 27.7%
Equity and liabilities €1.27M
Equity
€973k▼ 2.3%
Debt
€293k▼ 7.1%
The debt ratio falls from 24.1% to 23.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€14k▼
2024 · €141k
Cash flow
€-3k▼
2024 · €109k
Solvency
76.9%▲
2024 · 75.9%
Current ratio
0.56▼
2024 · 0.84
Quick ratio
0.56▼
2024 · 0.84
Debt / equity
0.30▼
2024 · 0.32
ROE
-2.3%▼
2024 · 9.1%
ROA
-1.8%▼
2024 · 6.9%
Interest coverage
1.33▼
2024 · 15.42
Debt
€293k▼
2024 · €315k
Debt ≤ 1 year
€130k▲
2024 · €120k
Debt > 1 year
€163k▼
2024 · €196k
Income taxes
€6k▼
2024 · €38k
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€1.31M€1.27M▼
Fixed assets21/28€1.21M€1.19M▼
Tangible fixed assets22/27€660k€643k▼
Land and buildings22€607k€593k▼
Plant, machinery and equipment23€51k€49k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€550k€550k=
Current assets29/58€101k€73k▼
Amounts receivable within one year40/41€71k€35k▼
Trade receivables40€32k€22k▼
Other amounts receivable41€39k€14k▼
Cash at bank and in hand54/58€23k€31k▲
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.27M▼
Equity10/15€996k€973k▼
Contributions10/11€482k€482k=
Capital10€482k€482k=
Issued capital100€482k€482k=
Reserves13€514k€514k=
Non-distributable reserves130/1€48k€48k=
Legal reserve130€48k€48k=
Distributable reserves133€465k€465k=
Profit (loss) carried forward14-€-23k
Amounts payable17/49€315k€293k▼
Amounts payable after more than one year17€196k€163k▼
Financial debts170/4€196k€163k▼
Amounts payable within one year42/48€120k€130k▲
Current portion of amounts payable after more than one year42€32k€33k▲
Financial debts43€2k€2k▲
Credit institutions430/8€2k€2k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€64k€24k▼
Taxes450/3€26k€24k▼
Remuneration and social security454/9€38k-
Other amounts payable47/48€20k€67k▲
Accrued charges and deferred income492/3-€22
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€20k▲
Other operating charges640/8€6k€7k▲
Non-recurring operating charges66A€1k€39k▲
Gross operating margin9900€149k€60k▼
Operating profit (loss)9901€122k€-6k▼
Financial income75/76B€15k€0▼
Recurring financial income75€15k€0▼
Financial charges65/66B€9k€10k▲
Recurring financial charges65€9k€10k▲
Profit (loss) for the period before taxes9903€128k€-16k▼
Income taxes67/77€38k€6k▼
Profit (loss) for the period9904€90k€-23k▼
Profit (loss) for the period to be appropriated9905€90k€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€-23k▼
Transfer to equity691/2€90k-
To other reserves6921€90k-
The notes to these accounts (10 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-23k ▼125%
Net result drops to €-23k, the lowest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €99k ▲87%
Operating result €154k, net result €99k, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Wemmel · 1 establishment unit since 2007
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.
Markt 851780 WemmelGround area
5,549 m²
Building footprint
164 m²
Volume, LiDAR
1,707 m³
Parcel 22005A0536/00B000, Flanders · tallest building 18.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CONCEPT MANAGEMENT
since 20072.162.759.114
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22005A0536/00B000 | Flanders | 5,549 m² | 1 · 163 m² | 18.9 m · 3 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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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 28,047 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-05-2007
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.