CONCEPT QUADRO
ActiveSummary
CONCEPT QUADRO has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €11k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 57% of 4621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+13
Solvency61▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.73 against 1.92 in 2024; short-term debt: 19.5% and cash: 1.1% of total assets), but 63.6% 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○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
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 23-11-2025, 23 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
23 d late
2024
26 d late
2023
27 d late
2021
3 d early
2020
21 d late
2019
28 d late
2018
23 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 11.0%
2024 · €96k
2019: €30k
2020: €11k
2021: €44k
2023: €83k
2024: €96k
2019 → 2025
Total assets
€293k▼ 5.6%
2024 · €311k
2019: €284k
2020: €349k
2021: €359k
2023: €334k
2024: €311k
2019 → 2025
Net result
€11k▼ 20.2%
2024 · €13k
2019: €14k
2020: €-19k
2021: €32k
2023: €39k
2024: €13k
2019 → 2025
Working capital
€42k▼ 21.3%
2024 · €53k
2019: €-7k
2020: €-43k
2021: €-19k
2023: €61k
2024: €53k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€11k-€44k▲ 282%€83k▲ 89.6%€96k▲ 15.9%€107k▲ 11.0%
Operating result€-12k-€40k€47k▲ 16.9%€23k▼ 51.3%€19k▼ 17.6%
Net result€-19k-€32k€39k▲ 21.3%€13k▼ 66.3%€11k▼ 20.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €293k
Fixed assets
€194k ▼ 2.8%
Current assets
€99k ▼ 10.8%
Equity and liabilities €293k
Equity
€107k ▲ 11.0%
Debt
€187k ▼ 13.1%
Debt's share of the balance-sheet total falls from 69.1% to 63.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▼
2024 · €29k
Cash flow
€16k▼
2024 · €20k
Current ratio
1.73▼
2024 · 1.92
Debt to equity
1.75▼
2024 · 2.23
ROE
9.9%▼
2024 · 13.7%
ROA
3.6%▼
2024 · 4.3%
Interest coverage
5.84▲
2024 · 4.21
Debt ≤ 1 year
€57k▼
2024 · €58k
Debt > 1 year
€130k▼
2024 · €157k
Income taxes
€5k▲
2024 · €4k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€311k€293k▼
Fixed assets21/28€200k€194k▼
Tangible fixed assets22/27€200k€194k▼
Land and buildings22€200k€194k▼
Plant, machinery and equipment23€350-
Current assets29/58€111k€99k▼
Amounts receivable after more than one year29€40k€35k▼
Other amounts receivable291€40k€35k▼
Amounts receivable within one year40/41€61k€60k▼
Trade receivables40€61k€60k▼
Cash at bank and in hand54/58€550€3k▲
Deferred charges and accrued income490/1€9k€219▼
Equity and liabilities
Total equity and liabilities10/49€311k€293k▼
Equity10/15€96k€107k▲
Contributions10/11€104k€104k=
Capital10€104k€104k=
Issued capital100€104k€104k=
Reserves13-€2k
Distributable reserves133-€2k
Profit (loss) carried forward14€-8k-
Amounts payable17/49€215k€187k▼
Amounts payable after more than one year17€157k€130k▼
Financial debts170/4€157k€130k▼
Amounts payable within one year42/48€58k€57k▼
Current portion of amounts payable after more than one year42€28k€27k▼
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€7k€9k▲
Other amounts payable47/48€22k€21k▼
Income statement
Code20242025
Non-recurring operating income76A€103-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€33k€27k▼
Operating profit (loss)9901€23k€19k▼
Financial income75/76B€1k€969▼
Recurring financial income75€1k€969▼
Financial charges65/66B€7k€4k▼
Recurring financial charges65€7k€4k▼
Profit (loss) for the period before taxes9903€17k€16k▼
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€13k€11k▼
Profit (loss) for the period to be appropriated9905€13k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€2k▲
Profit (loss) brought forward from the previous period14P€-21k€-8k▲
Transfer to equity691/2-€2k
To other reserves6921-€2k
The notes to these accounts (4 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
2025
23-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
31-03
Financial
Equity above €100kEq €107k ▲11%
4 profitable years in a row build equity to €107k.
2024
26-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
31-03
Financial
Highest result since 2019net €39k ▲21.3%
Operating result €47k, net result €39k, both a record.
31-03
Financial
Liquidity doublescurrent ratio 1.91
Current ratio from 0.77 to 1.91; short-term debt falls from €84k to €67k.
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
21-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 21 days late
2020
30-06
Financial
Weakest financial yearnet €-19k ▼232%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
23-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
Show earlier events
2018
10-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
23-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
2016
29-02
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
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, Menen · 1 establishment unit since 2001
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.
Gustaaf Delafontainestraat 188930 MenenGround area
1,882 m²
Building footprint
220 m²
Volume, LiDAR
1,397 m³
Parcel 34372A0506/00B002, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Concept Quadro
since 20012.116.611.165
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34372A0506/00B002 | Flanders | 1,881 m² | 1 · 220 m² | 10.6 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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Of 1,000 companies in sector 96102 we hold annual accounts for 459. 347 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 formPublic limited company
Founded18-07-2001
Fiscal year end31-03
Activities, NACEBEL 2025
96102Launderettes and laundries for private customers
82990Other business support services
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.