CONCEPTIMMO
ActiveCONCEPTIMMO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €11k. Equity is growing by ~22.2% per year across the filed fiscal years. Its solvency ranks better than 34% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +57 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency68▲+16
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 1.34 in 2024), but 63.9% 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+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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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
2 d late
2024
21 d late
2023
on the day
2022
on the day
2021
on the day
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▲ 65.5%
2024 · €17k
2019: €-270k
2020: €-258k
2021: €-308k
2022: €-334k
2023: €164k
2024: €17k
2019 → 2025
Total assets
€77k▲ 31.6%
2024 · €58k
2019: €672k
2020: €612k
2021: €554k
2022: €462k
2023: €376k
2024: €58k
2019 → 2025
Net result
€11k
2024 · €-25k
2019: €-28k
2020: €-7k
2021: €-44k
2022: €-19k
2023: €504k
2024: €-25k
2019 → 2025
Working capital
€26k▲ 82.0%
2024 · €14k
2019: €-220k
2020: €-129k
2021: €-133k
2022: €-150k
2023: €163k
2024: €14k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-308k-€-334k▼ 8.3%€164k€17k▼ 89.8%€28k▲ 65.5%
Operating result€-22k-€2k€588k▲ 34,795%€-23k€13k
Net result€-44k-€-19k▲ 56.0%€504k€-25k€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €13k after a loss of €23k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€2k▼ 24.1%
Current assets
€75k▲ 34.2%
Equity and liabilities €77k
Equity
€28k▲ 65.5%
Debt
€49k▲ 17.9%
The debt ratio falls from 71.3% to 63.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€14k▲
2024 · €-22k
Cash flow
€12k▲
2024 · €-25k
Solvency
36.1%▲
2024 · 28.7%
Current ratio
1.52▲
2024 · 1.34
Quick ratio
1.52▲
2024 · 1.34
Debt / equity
1.77▼
2024 · 2.48
ROE
39.6%▲
2024 · -149.0%
ROA
14.3%▲
2024 · -42.8%
Interest coverage
8.00▲
2024 · -10.18
Debt
€49k▲
2024 · €42k
Debt ≤ 1 year
€49k▲
2024 · €42k
Income taxes
€826▲
2024 · €443
Staff costs
€6k
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€58k€77k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28-€200
Current assets29/58€56k€75k▲
Amounts receivable within one year40/41€10k€25k▲
Trade receivables40€3k€10k▲
Other amounts receivable41€7k€16k▲
Cash at bank and in hand54/58€39k€42k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€58k€77k▲
Equity10/15€17k€28k▲
Contributions10/11€3k€3k=
Reserves13€39k€39k=
Distributable reserves133€39k€39k=
Profit (loss) carried forward14€-25k€-14k▲
Amounts payable17/49€42k€49k▲
Amounts payable within one year42/48€42k€49k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€3k€1k▼
Other amounts payable47/48€37k€43k▲
Income statement
Code20242025
Non-recurring operating income76A€3k-
Remuneration, social security and pensions62-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€468€830▲
Other operating charges640/8€1k€881▼
Non-recurring operating charges66A€0€20▲
Gross operating margin9900€-21k€21k▲
Operating profit (loss)9901€-23k€13k▲
Financial income75/76B€123€639▲
Recurring financial income75€123€639▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-25k€12k▲
Income taxes67/77€443€826▲
Profit (loss) for the period9904€-25k€11k▲
Profit (loss) for the period to be appropriated9905€-25k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-25k€-14k▲
Profit (loss) brought forward from the previous period14P€0€-25k▼
Transfer to equity691/2€0-
To the legal reserve6920€0-
The notes to these accounts (8 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
30-06
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
21-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €504k
Net result €504k after 4 loss-making years.
30-06
Financial
Liquidity times 12current ratio 1.77
Current ratio from 0.14 to 1.77.
30-06
Financial
Equity above €150kEq €164k
Equity rises from €-334k to €164k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €-44k
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 15 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2024
Michel FAGNOUL
CurrentDirector · since 01-10-2024
01-10-2024
Michel FAGNOUL: Appointed as Director
30-09-2024
Nicole Van WESEPOEL: Resigned as Director
Location & real-estate footprint
Registered office, Crisnée · 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.
Rue de Herstappe 264367 CrisnéeGround area
695 m²
Building footprint
150 m²
Volume, LiDAR
678 m³
Parcel 64412A0197/00C000, Wallonia · tallest building 6.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CONCEPTIMMO
since 20112.197.318.729
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64412A0197/00C000 | Wallonia | 695 m² | 1 · 150 m² | 6.2 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.
Similar companies · same sector, comparable size
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BE 0726.842.774
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FERRE SERVICES
BE 1019.851.862
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Société Foncière Adam
BE 0671.952.058
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HM Projects Invest
BE 0659.791.723
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Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 4,279 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2011
Fiscal year end30-06
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.