CONCEPT VERANDA

Active

Private limited companyfounded 2003active for 23 yearsRoute Charlemagne(BLX) 9, 6464 Chimay, BelgiumKBO/BCE: BE 0860.009.621

Summary

CONCEPT VERANDA has been active since 2003 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €171,361 and a net result of -€19,329. Equity is growing by about 9.6% per year across the filed financial years. Its solvency ranks better than 20% of 2,434 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisFollow Report Compare

CONCEPT VERANDAActiveChecked score 67/100

Risk analysis Report Compare

Activity

Joinery installation

NACE 43320

10th largest company by total assets in Chimay, Construction sector1 site

Size

€884,256total assets 2025

Staff: 2.9 FTE
Equity: €171,361
Loss: -€19,329

Financial health

67 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.7%

Structure

2025 accounts 11 days early2 deeds in the Belgian Official Gazette

Why 67raises riskLiquidity: current ratio 1.05, cash €15,041, halvedSector: Specialised construction activities (NACE 43)lowers riskSize: 2.9 FTE, total assets €884,256Founded in 2003Show the evidence

Checked score

Score 2025

67 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 23% of its sector peers (NACE 43, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Average

Solvency 44-3

equity 19.4% of total assets

Liquidity 35-13

short-term debt 37.6% · cash 1.7%

Profitability 55-15

return on assets -2.2%

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,621 companies, NACE 43, micro)

Last 24 months 11-2024: 0.4% 12-2024: 0.5%▲ +0.1 percentage points vs 11-2024 01-2025: 0.7%▲ +0.2 percentage points vs 12-2024highest value 02-2025: 0.4%▼ -0.3 percentage points vs 01-2025lowest value 03-2025: 0.4%● unchanged vs 02-2025lowest value 04-2025: 0.4%● unchanged vs 03-2025lowest value 05-2025: 0.4%● unchanged vs 04-2025lowest value 06-2025: 0.4%● unchanged vs 05-2025lowest value 07-2025: 0.4%● unchanged vs 06-2025lowest value 08-2025: 0.4%● unchanged vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.6%▲ +0.2 percentage points vs 12-2025 02-2026: 0.7%▲ +0.1 percentage points vs 01-2026 03-2026: 0.7%● unchanged vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.7%● unchanged vs 04-2026 06-2026: 0.7%● unchanged vs 05-2026 07-2026: 0.7%● unchanged vs 06-2026 08-2026: 0.7%● unchanged vs 07-2026 09-2026: 0.7%● unchanged vs 08-2026 10-2026: 0.7%● unchanged vs 09-2026

Credit of up to €11,000 on 30-day terms is acceptable

Liquidity tight (current ratio 1.05, compared with 1.36 in 2024, below the usual 1.5; short-term debt: 37.6% and cash: 1.7% of total assets), and 80.6% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 43, micro): better than 21% on solvency, 23% on liquidity, 26% on profitability and 23% on growth.

The bankruptcy probability was computed on 24-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises riskneutral

Liquidity: current ratio 1.05, cash €15,041, halved

NBB · annual accounts

Sector: Specialised construction activities (NACE 43)

KBO

Size: 2.9 FTE, total assets €884,256

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Founded in 2003

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 2434 sector peers (2025).

NBB · sector comparison

Position among 2434 sector peers

Solvency

better than 20%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-01-2026, 11 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

11 days early

2024

24 days early

2023

19 days early

2022

20 days early

2021

1 day early

2020

2 days early

2019

5 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 12 days before the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 12 January (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-06-2026 year end25-10-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

20-01-2026 Annual accounts filedfinancial year 2025 · full…
30-06-2025 Weakest financial yearnet -€19,329
07-01-2025 Annual accounts filedfinancial year 2024 · full…

Key points

Caution: Among the weakest 15% on net resultsector median €42,727 · 2,435 companies -€19,329 View
Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
Total assets 20256 financial years filed €884,256 View

By topic

Financials

Financial year: 2025
Total assets: €884,256
Loss: -€19,329
Solvency: 19.4%

Total assets▲ 3.1%

Net result

20192025

Go to Financials

Timeline

Events: 26
Since: 2005
Next accounts: by 31-01-2027

12-01-2024Annual accounts filed
11-01-2023Annual accounts filed
30-06-2022Equity above €150,000

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Joinery installationNACE 43320
Founded: 27-06-2003
Year ends: 30-06
Peppol: Reachable for e-invoices

Go to Company details

Key facts about CONCEPT VERANDA

What is the company number of CONCEPT VERANDA?: 0860.009.621. In Belgium the VAT number is the company number with BE in front: BE 0860.009.621.
Where is CONCEPT VERANDA based?: The registered office is at Route Charlemagne(BLX) 9, 6464 Chimay.Company details
What does CONCEPT VERANDA do?: According to the KBO register, the main activity is joinery installation (NACE 43320).
What is the legal form of CONCEPT VERANDA?: Private limited company (BV).
When was CONCEPT VERANDA founded?: On 27-06-2003.
Is CONCEPT VERANDA still active?: Yes, CONCEPT VERANDA is an active enterprise in the KBO register.
How many employees does CONCEPT VERANDA have?: On average 2.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of CONCEPT VERANDA?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is CONCEPT VERANDA profitable?: In financial year 2025, CONCEPT VERANDA made a loss of €19,329.
Where can I find the annual accounts of CONCEPT VERANDA?: CONCEPT VERANDA filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of CONCEPT VERANDA due?: By 31-01-2027, for financial year 2026.Timeline