CONCEPT4U2
ActiveSummary
The annual accounts of CONCEPT4U2 for fiscal year 2025 show a net loss of 64% of total assets and of 59% of the equity at the start of that year. The 2025 annual accounts show equity of €20,647 and a net result of -€29,444. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 37% of 17213 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-56
Solvency70▼-10
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.49 against 1.38 in 2024; short-term debt: 55.3% of total assets), and 55.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
44.7%
Return on assets
-63.7%
Age of the figures
18 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€29,444
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
61 d late
2023
10 d late
2022
3 d late
2021
35 d early
2020
on the day
2019
44 d 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 1 day before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
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. Usually files around 3 November (4 of the last 5 filed years within 38 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close28-09-2026 today31-10-2026 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€20,647▼ 58.8%
2024 · €50,091
Total assets
€46,208▼ 49.3%
2024 · €91,122
Net result
-€29,444▼ 218%
2024 · -€9,268
Working capital
-€13,034
2024 · €11,104
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€34,031€36,118▲ 6.1%-€4,432-€7,252▼ 63.6%-€27,353▼ 277%
Net result€32,620within the sector's middle half€29,457within the sector's middle half▼ 9.7%-€6,212below the sector's middle half-€9,268below the sector's middle half▼ 49.2%-€29,444below the sector's middle half▼ 218%
Equity€36,114within the sector's middle half▲ 934%€65,571within the sector's middle half▲ 81.6%€59,359within the sector's middle half▼ 9.5%€50,091within the sector's middle half▼ 15.6%€20,647below the sector's middle half▼ 58.8%
Total assets€80,834within the sector's middle half▲ 154%€149,391within the sector's middle half▲ 84.8%€125,177within the sector's middle half▼ 16.2%€91,122within the sector's middle half▼ 27.2%€46,208below the sector's middle half▼ 49.3%
Debt€44,720▲ 58.2%€83,820▲ 87.4%€65,819▼ 21.5%€41,032▼ 37.7%€25,561▼ 37.7%
Working capital€13,854within the sector's middle half€16,153within the sector's middle half▲ 16.6%€19,227within the sector's middle half▲ 19.0%€11,104below the sector's middle half▼ 42.2%-€13,034below the sector's middle half
Solvency44.7%within the sector's middle half▲ 33.7pp43.9%within the sector's middle half▼ 0.8pp47.4%within the sector's middle half▲ 3.5pp55.0%within the sector's middle half▲ 7.6pp44.7%within the sector's middle half▼ 10.3pp
Current ratio1.33below the sector's middle half▲ 0.571.38within the sector's middle half▲ 0.051.49within the sector's middle half▲ 0.111.38within the sector's middle half▼ 0.110.49below the sector's middle half▼ 0.89
Return on assets (ROA)40.4%above the sector's middle half▲ 160.6pp19.7%within the sector's middle half▼ 20.6pp-5.0%below the sector's middle half▼ 24.7pp-10.2%below the sector's middle half▼ 5.2pp-63.7%below the sector's middle half▼ 53.5pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €27,353 in 2025 against €7,252 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €46,208
Fixed assets
€33,681 ▼ 34.1%
Current assets
€12,527 ▼ 68.7%
Equity and liabilities €46,208
Equity
€20,647 ▼ 58.8%
Debt
€25,561 ▼ 37.7%
Debt's share of the balance-sheet total rises from 45.0% to 55.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€9,910▼
2024 · €11,574
Cash flow
-€12,001▼
2024 · €9,558
Debt to equity
1.24▲
2024 · 0.82
ROE
-142.6%▼
2024 · -18.5%
Interest coverage
-5.20▼
2024 · 6.37
Debt ≤ 1 year
€25,561▼
2024 · €28,894
Income taxes
€185▼
2024 · €199
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,815 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.9%
went bankrupt
9.8%
stopped otherwise
88%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,815 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,486 | €9,641 | €16,792 | €18,825 | €17,443 | ▼ 7.3% |
| Other operating charges640/8 | - | €957 | €1,381 | €556 | €523 | ▼ 5.9% |
| Gross operating margin9900 | €48,676 | €46,717 | €13,741 | €12,130 | -€9,387 | ▼ 177% |
| Operating profit (loss)9901 | €34,031 | €36,118 | -€4,432 | -€7,252 | -€27,353 | ▼ 277% |
| Financial charges65/66B | - | €1,163 | €1,569 | €1,817 | €1,906 | ▲ 4.9% |
| Recurring financial charges65 | €1,192 | €1,163 | €1,569 | €1,817 | €1,906 | ▲ 4.9% |
| Profit (loss) for the period before taxes9903 | €32,839 | €34,955 | -€6,000 | -€9,069 | -€29,258 | ▼ 223% |
| Income taxes67/77 | €219 | €5,498 | €212 | €199 | €185 | ▼ 6.9% |
| Profit (loss) for the period9904 | €32,620 | €29,457 | -€6,212 | -€9,268 | -€29,444 | ▼ 218% |
| Profit (loss) for the period to be appropriated9905 | €32,620 | €29,457 | -€6,212 | -€9,268 | -€29,444 | ▼ 218% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €80,834 | €149,391 | €125,177 | €91,122 | €46,208 | ▼ 49.3% |
| Fixed assets21/28 | €25,167 | €90,683 | €66,833 | €51,124 | €33,681 | ▼ 34.1% |
| Tangible fixed assets22/27 | €25,017 | €90,533 | €66,683 | €50,974 | €33,531 | ▼ 34.2% |
| Plant, machinery and equipment23 | - | €1,416 | €1,117 | €819 | €520 | ▼ 36.5% |
| Furniture and vehicles24 | - | €87,436 | €64,223 | €49,151 | €32,346 | ▼ 34.2% |
| Other tangible fixed assets26 | - | €1,681 | €1,343 | €1,004 | €665 | ▼ 33.7% |
| Financial fixed assets28 | €150 | €150 | €150 | €150 | €150 | = |
| Current assets29/58 | €55,667 | €58,708 | €58,344 | €39,999 | €12,527 | ▼ 68.7% |
| Amounts receivable within one year40/41 | €26,217 | €36,314 | €43,885 | €36,882 | €11,627 | ▼ 68.5% |
| Trade receivables40 | - | €31,158 | €33,934 | €26,917 | €877 | ▼ 96.7% |
| Other amounts receivable41 | - | €5,156 | €9,951 | €9,965 | €10,750 | ▲ 7.9% |
| Cash at bank and in hand54/58 | €28,178 | €21,096 | €11,436 | - | - | - |
| Deferred charges and accrued income490/1 | - | €1,298 | €3,023 | €3,117 | €900 | ▼ 71.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €80,834 | €149,391 | €125,177 | €91,122 | €46,208 | ▼ 49.3% |
| Equity10/15 | €36,114 | €65,571 | €59,359 | €50,091 | €20,647 | ▼ 58.8% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €28,054 | €57,511 | €51,299 | €42,031 | €12,587 | ▼ 70.1% |
| Amounts payable17/49 | €44,720 | €83,820 | €65,819 | €41,032 | €25,561 | ▼ 37.7% |
| Amounts payable after more than one year17 | €2,907 | €41,265 | €26,701 | €12,137 | - | - |
| Financial debts170/4 | - | €41,265 | €26,701 | €12,137 | - | - |
| Amounts payable within one year42/48 | €41,813 | €42,555 | €39,117 | €28,894 | €25,561 | ▼ 11.5% |
| Current portion of amounts payable after more than one year42 | - | €16,231 | €16,231 | €16,294 | €13,872 | ▼ 14.9% |
| Financial debts43 | - | - | - | €1,939 | €1,065 | ▼ 45.1% |
| Credit institutions430/8 | - | - | - | €1,939 | €1,065 | ▼ 45.1% |
| Trade debts44 | €5,131 | €764 | €13,124 | €4,780 | €1,535 | ▼ 67.9% |
| Suppliers440/4 | - | €764 | €13,124 | €4,780 | €1,535 | ▼ 67.9% |
| Taxes, remuneration and social security45 | - | - | €5,770 | €1,022 | - | - |
| Taxes450/3 | - | - | €5,770 | €1,022 | - | - |
| Other amounts payable47/48 | - | €25,561 | €3,992 | €4,860 | €9,089 | ▲ 87.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €32,620 | €29,457 | -€6,212 | -€9,268 | -€29,444 | ▼ 218% |
| + Depreciation and write-downs630 | €13,486 | €9,641 | €16,792 | €18,825 | €17,443 | ▼ 7.3% |
| Operating cash flow (approximation) | €46,105 | €39,098 | €10,580 | €9,558 | -€12,001 | ▼ 226% |
| Investment in fixed assets (approximation) | - | -€75,158 | €7,059 | -€3,117 | €0 | ▲ 100% |
| Change in cash | - | -€7,082 | -€9,660 | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2023
10-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 10 days late
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2021
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €32,620
Net result €32,620 after 2 loss-making years.
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Weakest financial yearnet -€38,190
Net result drops to -€38,190, the lowest in the series; recovery starts the following year.
2019
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-09
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 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, Asse · 1 establishment unit since 2008
Ground area
518 m²
Building footprint
90 m²
Volume, LiDAR
599 m³
Parcel 23095C0183/00X009, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CONCEPT4U2
since 20082.258.553.344
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23095C0183/00X009 | Flanders | 518 m² | 1 · 90 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
JFA Management
BE 0776.739.079
Oudergem · Eq €20,669
Dynoprotec Training and Consulting
BE 0682.898.212
Silly · Eq €20,673
MARAVILLOS
BE 0840.818.566
Antwerpen · Eq €20,620
TECHBORN
BE 0578.879.370
Koekelberg · Eq €20,606
MAEK CONSULTING
BE 1026.469.242
Sint-Jans-Molenbeek · Eq €20,605
Of 30,007 companies in sector 62200 we hold annual accounts for 18,400. 13,100 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-04-2007
Fiscal year end31-03
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0888516139
Also
9925:BE0888516139
Registered
03-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.