Concepter
ActiveConcepter has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €899k and a net result of €306k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 66% of 8578 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+1
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 2.73 against 13.63 in 2024), and 30.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
69.3%
Return on assets
23.6%
Age of the figures
8 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
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
7 d late
2023
2 d late
2022
28 d late
2021
12 d late
2020
21 d late
2019
4 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€899k▼ 11.4%
2024 · €1.01M
2018: €397k
2019: €482k
2020: €632k
2021: €741k
2022: €756k
2023: €898k
2024: €1.01M
2018 → 2025
Total assets
€1.30M▲ 20.3%
2024 · €1.08M
2018: €423k
2019: €526k
2020: €667k
2021: €768k
2022: €930k
2023: €954k
2024: €1.08M
2018 → 2025
Net result
€306k▲ 51.5%
2024 · €202k
2018: €85k
2019: €85k
2020: €150k
2021: €109k
2022: €163k
2023: €227k
2024: €202k
2018 → 2025
Working capital
€686k▼ 13.4%
2024 · €792k
2018: €166k
2019: €262k
2020: €417k
2021: €530k
2022: €511k
2023: €665k
2024: €792k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€741k-€756k▲ 2.1%€898k▲ 18.8%€1.01M▲ 13.0%€899k▼ 11.4%
Operating result€140k-€230k▲ 64.6%€327k▲ 42.2%€281k▼ 13.8%€436k▲ 54.9%
Net result€109k-€163k▲ 49.7%€227k▲ 39.5%€202k▼ 11.2%€306k▲ 51.5%
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 recovers in 2025; 2025 is 55% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.30M
Fixed assets
€212k▼ 4.6%
Current assets
€1.08M▲ 26.8%
Equity and liabilities €1.30M
Equity
€899k▼ 11.4%
Debt
€398k▲ 534%
The debt ratio rises from 5.8% to 30.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€447k▲
2024 · €294k
Cash flow
€317k▲
2024 · €214k
Solvency
69.3%▼
2024 · 94.2%
Current ratio
2.73▼
2024 · 13.63
Quick ratio
2.73▼
2024 · 13.63
Debt / equity
0.44▲
2024 · 0.06
ROE
34.0%▲
2024 · 19.9%
ROA
23.6%▲
2024 · 18.7%
Interest coverage
1614.40▼
2024 · 3564.85
Debt
€398k▲
2024 · €63k
Debt ≤ 1 year
€398k▲
2024 · €63k
Income taxes
€138k▲
2024 · €89k
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€1.08M€1.30M▲
Fixed assets21/28€223k€212k▼
Tangible fixed assets22/27€23k€12k▼
Furniture and vehicles24€21k€11k▼
Other tangible fixed assets26€2k€1,000▼
Financial fixed assets28€200k€200k=
Current assets29/58€855k€1.08M▲
Amounts receivable within one year40/41€86k€287k▲
Trade receivables40€47k€3k▼
Other amounts receivable41€39k€284k▲
Current investments50/53€400k€402k▲
Cash at bank and in hand54/58€360k€387k▲
Deferred charges and accrued income490/1€9k€8k▼
Equity and liabilities
Total equity and liabilities10/49€1.08M€1.30M▲
Equity10/15€1.01M€899k▼
Contributions10/11€6k€6k=
Reserves13€1.01M€893k▼
Distributable reserves133€1.01M€893k▼
Amounts payable17/49€63k€398k▲
Amounts payable within one year42/48€63k€398k▲
Trade debts44€922€5k▲
Suppliers440/4€922€5k▲
Taxes, remuneration and social security45€5k€41k▲
Taxes450/3€5k€41k▲
Other amounts payable47/48€57k€352k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€295k€449k▲
Operating profit (loss)9901€281k€436k▲
Financial income75/76B€10k€8k▼
Recurring financial income75€10k€8k▼
Financial charges65/66B€82€277▲
Recurring financial charges65€82€277▲
Profit (loss) for the period before taxes9903€291k€443k▲
Income taxes67/77€89k€138k▲
Profit (loss) for the period9904€202k€306k▲
Profit (loss) for the period to be appropriated9905€202k€306k▲
Appropriation of the result
Profit (loss) to be appropriated9906€202k€306k▲
Transfer from equity791/2€85k€422k▲
Transfer to equity691/2€202k€306k▲
To other reserves6921€202k€306k▲
Profit to be distributed694/7€85k€422k▲
Return on contributions (dividend)694€85k€422k▲
The notes to these accounts (6 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €306k ▲51.5%
Operating result €436k, net result €306k, both a record.
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 7 days late
2024
31-12
Financial
Equity above €1MEq €1.01M ▲13%
7 profitable years in a row build equity to €1.01M.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 2 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 12.97
Current ratio from 3.94 to 12.97; short-term debt falls from €174k to €56k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
21-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 21 days late
2020
31-12
Financial
Equity above €500kEq €632k ▲31.2%
3 profitable years in a row build equity to €632k.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 4 days late
2019
07-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 38 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 58 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
Kristof CARREIN
CurrentNon-statutory director · since 31-01-2024
31-01-2024
Resigned as Manager
31-01-2024
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Roeselare · 1 establishment unit since 2011
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.
Schierveldestraat 908800 RoeselareGround area
569 m²
Building footprint
134 m²
Volume, LiDAR
746 m³
Parcel 36504D0782/00V008, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KCAD
since 20112.204.640.744
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36504D0782/00V008 | Flanders | 569 m² | 1 · 134 m² | 8.9 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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ALPHAFIN
BE 0810.726.691
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BE 0758.576.919
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Exeleon
BE 0670.826.858
Antwerpen · Eq €900k
DE WITTE INVESTMENT FUND
BE 0705.823.666
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EUROPEAN SERVICES en TRANSLATION AGENCY
BE 0450.607.857
Overijse · Eq €893k
Of 5,659 companies in sector 70100 we hold annual accounts for 3,479. 1,952 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-08-2011
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.