Conceptorio
ActiveThe computed 12-month bankruptcy probability of Conceptorio is 1.8% (moderate). The 2025 annual accounts show equity of €3k and a net result of €79k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 17964 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency12▼-88
Growth58▼-20
Stability94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.96 against 5.95 in 2024), and 97.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
2.8%
Return on assets
73.8%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 17964 sector peers (2025).
NBB · sector comparisonPosition among 17964 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
27 d late
2024
43 d early
2023
36 d early
2022
32 d early
← 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, micro schema
Equity
€3k▼ 98.1%
2024 · €156k
2022: €36k
2023: €75k
2024: €156k
2022 → 2025
Total assets
€107k▼ 42.5%
2024 · €186k
2022: €70k
2023: €107k
2024: €186k
2022 → 2025
Net result
€79k▼ 3.0%
2024 · €81k
2022: €33k
2023: €38k
2024: €81k
2022 → 2025
Working capital
€-4k
2024 · €149k
2022: €35k
2023: €67k
2024: €149k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€36k-€75k▲ 106%€156k▲ 109%€3k▼ 98.1%
Operating result€43k-€49k▲ 15.6%€103k▲ 110%€100k▼ 2.9%
Net result€33k-€38k▲ 15.5%€81k▲ 112%€79k▼ 3.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107k
Fixed assets
€7k▲ 0.1%
Current assets
€100k▼ 44.3%
Equity and liabilities €107k
Equity
€3k▼ 98.1%
Debt
€104k▲ 246%
The debt ratio rises from 16.1% to 97.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€103k▼
2024 · €108k
Cash flow
€82k▼
2024 · €86k
Solvency
2.8%▼
2024 · 83.9%
Current ratio
0.96▼
2024 · 5.95
Quick ratio
0.96▼
2024 · 5.95
Debt / equity
34.69▲
2024 · 0.19
ROA
73.8%▲
2024 · 43.7%
Interest coverage
1196.59▲
2024 · 522.81
Debt
€104k▲
2024 · €30k
Debt ≤ 1 year
€104k▲
2024 · €30k
Income taxes
€21k▼
2024 · €22k
Staff costs
€432
A ratio outside any meaningful range has been withheld (balance sheet total €107k, equity €3k).
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€186k€107k▼
Fixed assets21/28€7k€7k▲
Tangible fixed assets22/27€7k€7k▲
Furniture and vehicles24€7k€7k▲
Current assets29/58€179k€100k▼
Amounts receivable after more than one year29€6k€0▼
Other amounts receivable291€6k€0▼
Amounts receivable within one year40/41€16k€17k▲
Trade receivables40€16k€17k▲
Cash at bank and in hand54/58€156k€83k▼
Deferred charges and accrued income490/1€566€492▼
Equity and liabilities
Total equity and liabilities10/49€186k€107k▼
Equity10/15€156k€3k▼
Contributions10/11€3k€3k=
Reserves13€153k€0▼
Distributable reserves133€153k€0▼
Profit (loss) carried forward14-€0
Amounts payable17/49€30k€104k▲
Amounts payable within one year42/48€30k€104k▲
Financial debts43€164€232▲
Credit institutions430/8€164€232▲
Trade debts44€1k€0▼
Suppliers440/4€1k€0▼
Taxes, remuneration and social security45€23k€19k▼
Taxes450/3€23k€19k▼
Other amounts payable47/48€6k€85k▲
Income statement
Code20242025
Non-recurring operating income76A-€12k
Remuneration, social security and pensions62-€432
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€431€455▲
Gross operating margin9900€109k€104k▼
Operating profit (loss)9901€103k€100k▼
Financial income75/76B€119€0▼
Recurring financial income75€119€0▼
Financial charges65/66B€207€86▼
Recurring financial charges65€207€86▼
Profit (loss) for the period before taxes9903€103k€100k▼
Income taxes67/77€22k€21k▼
Profit (loss) for the period9904€81k€79k▼
Profit (loss) for the period to be appropriated9905€81k€79k▼
Appropriation of the result
Profit (loss) to be appropriated9906€81k€79k▼
Transfer from equity791/2-€153k
Transfer to equity691/2€81k€0▼
To other reserves6921€81k€0▼
Profit to be distributed694/7-€232k
Return on contributions (dividend)694-€232k
The notes to these accounts (11 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €81k ▲112%
Operating result €103k, net result €81k, both a record.
31-12
Financial
Equity above €150kEq €156k ▲109%
3 profitable years in a row build equity to €156k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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 2022
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.
Schermershoek 1231730 AsseGround area
294 m²
Building footprint
72 m²
Volume, LiDAR
10 m³
Parcel 23053A0667/00T000, Flanders · tallest building 4.0 m. Linked by address, not a title deed.
1 establishment unit
Conceptorio
since 20222.333.435.958
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23053A0667/00T000 | Flanders | 294 m² | 1 · 72 m² | 4.0 m |
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 0880.744.360
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LUXE SAT
BE 0834.282.152
Schaarbeek · Eq €3k
BESQA
BE 0660.938.796
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MARHABAN GROUP
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Schaarbeek · Eq €3k
Of 3,211 companies in sector 47400 we hold annual accounts for 1,795. 485 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2022
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
62010Computer programming, consultancy and related activities
62020IT consultancy
62030Computer programming, consultancy and related activities
62100Computer programming
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.