Conceptimo
ActiveSummary
The computed 12-month bankruptcy probability of Conceptimo is 2.9% (moderate). The 2025 annual accounts show negative equity (-€4.9m) and a net result of -€5,453. Equity remains stable across the filed financial years (±0.1% per year). The company has been active since 1969 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- -€4.9m
- Loss
- -€5,453
- Parent
- FINANCIERE BELGE D'INVESTISSEMENT · 99.99%
- Holdings
- 1
Why 50raises riskNegative equity -€4.9mSector: Construction of residential and non-residential buildings (NACE 41)1 change of registered office in 24 monthslowers riskSize: total assets €869Show the evidence
Checked score
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 41, micro): better than 3% on solvency, 51% on liquidity, 5% on profitability and 35% on growth.
The bankruptcy probability was computed on 15-10-2026 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
This company filed its last 7 accounts on average 12 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · full…
- Registered officeRegistered-office move · Director in…
- Annual accounts filedfinancial year 2024 · full…
Financials · financial year 2025, full format
2025 annual accounts filed late (62 days) Filed on 3 April 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00072316.
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result stays negative: a loss of €5,095 in 2025 against €5,766 in 2024; the loss shrinks.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Use the arrow keys on the chart for the figures per year.
Peer companies
Historical observationOf the 6,621 companies that looked in July 2024 the way this one looks now, 4.5% went bankrupt within 24 months and 84.4% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,474 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 6,621 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.
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €361 | €0 | - | - |
| Other operating charges640/8 | - | - | - | €348 | €361 | €405 | €392 | ▼ 3.1% |
| Gross operating margin9900 | -€3,543 | -€4,255 | -€5,815 | -€5,191 | -€5,124 | -€5,361 | -€4,702 | ▲ 12.3% |
| Operating profit (loss)9901 | -€3,890 | -€4,603 | -€6,162 | -€5,539 | -€5,847 | -€5,766 | -€5,095 | ▲ 11.6% |
| Financial charges65/66B | - | - | - | €311 | €330 | €325 | €358 | ▲ 10.4% |
| Recurring financial charges65 | €211 | €217 | €131 | €311 | €330 | €325 | €358 | ▲ 10.4% |
| Profit (loss) for the period before taxes9903 | -€4,102 | -€4,820 | -€6,293 | -€5,850 | -€6,177 | -€6,091 | -€5,453 | ▲ 10.5% |
| Profit (loss) for the period9904 | -€4,102 | -€4,820 | -€6,293 | -€5,850 | -€6,177 | -€6,091 | -€5,453 | ▲ 10.5% |
| Profit (loss) for the period to be appropriated9905 | -€4,102 | -€4,820 | -€6,293 | -€5,850 | -€6,177 | -€6,091 | -€5,453 | ▲ 10.5% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €0.02m | €0.02m | €0.01m | €0.009m | €0.001m | €0.001m | €0.001m | ▲ 6.4% |
| Current assets29/58 | €0.02m | €0.02m | €0.01m | €0.009m | €0.001m | €0.001m | €0.001m | ▲ 6.4% |
| Amounts receivable within one year40/41 | - | €299 | €303 | €308 | €325 | €0 | - | - |
| Trade receivables40 | - | - | - | €308 | €325 | €0 | - | - |
| Cash at bank and in hand54/58 | €0.02m | €0.02m | €0.01m | €0.009m | €0.001m | €0.001m | €0.001m | ▲ 6.4% |
| Deferred charges and accrued income490/1 | - | - | - | €292 | €104 | €0 | - | - |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €0.02m | €0.02m | €0.01m | €0.009m | €0.001m | €0.001m | €0.001m | ▲ 6.4% |
| Equity10/15 | -€4.9m | -€4.9m | -€4.9m | -€4.9m | -€4.9m | -€4.9m | -€4.9m | ▼ 0.1% |
| Contributions10/11 | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | = |
| Capital10 | - | - | - | €1.1m | €1.1m | €1.1m | €1.1m | = |
| Issued capital100 | - | - | - | €1.1m | €1.1m | €1.1m | €1.1m | = |
| Reserves13 | €0.04m | €0.04m | €0.04m | €0.04m | €0.04m | €0.04m | €0.04m | = |
| Non-distributable reserves130/1 | - | - | - | €0.04m | €0.04m | €0.04m | €0.04m | = |
| Legal reserve130 | - | - | - | €0.04m | €0.04m | €0.04m | €0.04m | = |
| Profit (loss) carried forward14 | -€6.0m | -€6.1m | -€6.1m | -€6.1m | -€6.1m | -€6.1m | -€6.1m | ▼ 0.1% |
| Amounts payable17/49 | €4.9m | €4.9m | €4.9m | €4.9m | €4.9m | €4.9m | €4.9m | ▲ 0.1% |
| Amounts payable after more than one year17 | €0.07m | €0.07m | €0.07m | €0.07m | €0.07m | €0.07m | €0.07m | = |
| Other amounts payable178/9 | - | - | - | €0.07m | €0.07m | €0.07m | €0.07m | = |
| Amounts payable within one year42/48 | €4.8m | €4.8m | €4.8m | €4.8m | €4.8m | €4.9m | €4.9m | ▲ 0.1% |
| Trade debts44 | €0.001m | €0.001m | €0.002m | €0.004m | €0.002m | €0.002m | €0.003m | ▲ 9.6% |
| Suppliers440/4 | - | - | - | €0.004m | €0.002m | €0.002m | €0.003m | ▲ 9.6% |
| Other amounts payable47/48 | - | - | - | €4.8m | €4.8m | €4.8m | €4.9m | ▲ 0.1% |
| Accrued charges and deferred income492/3 | - | - | - | €174 | €191 | €327 | €0.001m | ▲ 86.9% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,102 | -€4,820 | -€6,293 | -€5,850 | -€6,177 | -€6,091 | -€5,453 | ▲ 10.5% |
| Operating cash flow (approximation) | -€4,102 | -€4,820 | -€6,293 | -€5,850 | -€6,177 | -€6,091 | -€5,453 | ▲ 10.5% |
| Change in cash | - | -€5,432 | -€5,368 | -€4,015 | -€8,017 | €193 | €52 | ▼ 73.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 48 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-06-2025 | full format | 03-04-2026 | 2026-00072316 |
| 30-06-2024 | full format | 17-02-2025 | 2025-00036231 |
| 30-06-2023 | full format | 30-01-2024 | 2024-00014142 |
| 30-06-2022 | full format | 31-01-2023 | 2023-00017155 |
| 30-06-2021 | full format | 26-01-2022 | 2022-01900453 |
| 30-06-2020 | full format | 24-02-2021 | 2021-06100327 |
| 30-06-2019 | full format | 20-01-2020 | 2020-01700387 |
| 30-06-2018 | full format | 31-01-2019 | 2019-03800002 |
| 30-06-2017 | full format | 16-01-2018 | 2018-01600189 |
| 30-06-2016 | full format | 12-01-2017 | 2017-01100373 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Owners and capital
Owners
1 ownerChain of control
- FINANCIERE BELGE D'INVESTISSEMENT
- Conceptimo
Highest known parent: FINANCIERE BELGE D'INVESTISSEMENT. The sources do not say who stands above it.
Owners 1
-
99.99%
According to the annual accounts to 30-06-2025 of Conceptimo and those of the other companies, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.
Group and network
Holdings and subsidiaries
1 holdingHoldings 1
-
75%
According to the annual accounts to 30-06-2025 of Conceptimo and those of the other companies, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.
Connections & network
The network starts from this company’s shareholders. What else they own or run appears here as nodes.
History
Acts, filings and financial milestones
20-10
Gazette deed
Registered officeRegistered-office move · Director in office3 facts ▸
- Board meeting, 21-08-2025
- Registered-office move, Boulevard du Souverain 165 à 1160 Auderghem
- Director in office, Dominique Blaton (director)
About the unread acts
Of the 6 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 16 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21332B0284/00G000 | Brussels | 2,288 m² | 1 · 1,499 m² | 23.4 m · 6 |