CONCEPT SOLUTION SERVICE
ActiveThe computed 12-month bankruptcy probability of CONCEPT SOLUTION SERVICE is 1.6% (moderate). The 2025 annual accounts show equity of €12k and a net result of €651. Equity is growing by ~29.6% per year across the filed fiscal years. Its solvency ranks better than 87% of 2538 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-26
Solvency100▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 3.49 against 1.52 in 2024; short-term debt: 19.7% and cash: 24.2% of total assets), and 19.7% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
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
80.3%
Return on assets
4.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 7 filingsDeviation from the deadline
2025
29 d late
2024
27 d late
2023
5 d early
2022
25 d late
2021
3 d early
2020
2 d late
2019
90 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▲ 5.7%
2024 · €11k
2019: €-3k
2020: €5k
2021: €6k
2022: €3k
2023: €3k
2024: €11k
2019 → 2025
Total assets
€15k▼ 13.1%
2024 · €17k
2019: €17k
2020: €14k
2021: €19k
2022: €20k
2023: €16k
2024: €17k
2019 → 2025
Net result
€651▼ 92.7%
2024 · €9k
2019: €-4k
2020: €9k
2021: €894
2022: €-3k
2023: €-387
2024: €9k
2019 → 2025
Working capital
€7k▲ 141%
2024 · €3k
2019: €-17k
2020: €-5k
2021: €-1k
2022: €-6k
2023: €-9k
2024: €3k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€3k▼ 52.0%€3k▼ 13.2%€11k▲ 347%€12k▲ 5.7%
Operating result€1k-€-3k€-345▲ 89.0%€12k€1k▼ 91.8%
Net result€894-€-3k€-387▲ 87.8%€9k€651▼ 92.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15k
Fixed assets
€5k▼ 44.1%
Current assets
€10k▲ 15.7%
Equity and liabilities €15k
Equity
€12k▲ 5.7%
Debt
€3k▼ 49.6%
The debt ratio falls from 34.0% to 19.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k▼
2024 · €16k
Cash flow
€4k▼
2024 · €12k
Solvency
80.3%▲
2024 · 66.0%
Current ratio
3.49▲
2024 · 1.52
Quick ratio
3.49▲
2024 · 1.52
Debt / equity
0.25▼
2024 · 0.52
ROE
5.4%▼
2024 · 77.6%
ROA
4.3%▼
2024 · 51.2%
Interest coverage
25.98▼
2024 · 211.27
Debt
€3k▼
2024 · €6k
Debt ≤ 1 year
€3k▼
2024 · €6k
Income taxes
€274▼
2024 · €3k
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€17k€15k▼
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€8k€5k▼
Furniture and vehicles24€8k€5k▼
Financial fixed assets28€40-
Current assets29/58€9k€10k▲
Amounts receivable within one year40/41€4k€7k▲
Trade receivables40€3k€4k▲
Other amounts receivable41€1k€3k▲
Cash at bank and in hand54/58€5k€4k▼
Deferred charges and accrued income490/1€21€21=
Equity and liabilities
Total equity and liabilities10/49€17k€15k▼
Equity10/15€11k€12k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€10k€11k▲
Amounts payable17/49€6k€3k▼
Amounts payable within one year42/48€6k€3k▼
Trade debts44€293€895▲
Suppliers440/4€293€895▲
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€5k€274▼
Remuneration and social security454/9€831€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€11k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€85€872▲
Non-recurring operating charges66A€300€358▲
Gross operating margin9900€27k€6k▼
Operating profit (loss)9901€12k€1k▼
Financial income75/76B€0€93▲
Recurring financial income75€0€93▲
Financial charges65/66B€76€179▲
Recurring financial charges65€76€179▲
Profit (loss) for the period before taxes9903€12k€925▼
Income taxes67/77€3k€274▼
Profit (loss) for the period9904€9k€651▼
Profit (loss) for the period to be appropriated9905€9k€651▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€11k▲
Profit (loss) brought forward from the previous period14P€1k€10k▲
The notes to these accounts (5 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 3.49
Current ratio from 1.52 to 3.49; short-term debt falls from €6k to €3k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 1.52
Current ratio from 0.29 to 1.52; short-term debt falls from €13k to €6k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Schaarbeek · 1 establishment unit since 2019
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.
Groenstraat 991030 SchaarbeekGround area
31 m²
Parcel 21908E0010/00K002, Brussels. Linked by address, not a title deed.
1 establishment unit
CONCEPT SOLUTION SERVICE
since 20192.289.183.469
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21908E0010/00K002 | Brussels | 31 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.
Recognitions · licences · registrations
Parcel delivery
Notified to the BIPT
Similar companies · same sector, comparable size
Doctorphone
BE 0727.714.487
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T.O.N.E.
BE 0477.386.191
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FIXNOW
BE 0804.999.634
Meise · Eq €11k
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BE 0649.636.417
Balen · Eq €13k
TECH CARE
BE 0891.381.302
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Of 863 companies in sector 95100 we hold annual accounts for 265. 149 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2019
Fiscal year end31-12
Activities, NACEBEL
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
52250Logistics services
52290Warehousing and support activities for transportation
53100Postal and courier activities
62020IT consultancy
62200Computer consultancy and computer facilities management
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:conceptsolutionservice123@gmail.com