ConceptPool
ActiveSummary
The computed 12-month bankruptcy probability of ConceptPool is 1.8% (moderate). The 2025 annual accounts show negative equity (-€141,167) and a net result of -€6,027. Equity is growing by about 4.3% per year across the filed financial years. Its solvency ranks better than 5% of 8,543 sector peers (NACE 73, financial year 2025). The company has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- -€141,167
- Loss
- -€6,027
Why 52raises risk1 change of registered office in 24 monthsNegative equity -€141,167Loss of €6,027, the second in a row (financial year 2025)lowers riskSize: total assets €39,006Show the evidence
Checked score
About 2 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 73, micro): better than 5% on solvency, 13% on liquidity, 13% on profitability and 36% on growth.
The bankruptcy probability was computed on 23-10-2026 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).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 7 accounts on average 78 days after the deadline; the sector median (NACE 73) for financial year 2024 is 6 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Permanent representative: Oyen SandraRegistered-office move
Financials · financial year 2025, micro format
2025 annual accounts filed late (1 day) Filed on 1 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00027912.
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result stays negative: a loss of €211 in 2025 against €55,087 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.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 73, Advertising, market research and public relations activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 6,906 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 85.4% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.8% 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 497,473 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 6,906 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 |
|---|---|---|---|---|---|---|---|---|
| Turnover70 | - | - | €174,793 | €181,247 | - | - | - | - |
| Non-recurring operating income76A | - | - | - | €0 | - | - | €36 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €186,032 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,010 | €4,713 | €3,131 | €3,391 | €0 | - | €1,224 | - |
| Other operating charges640/8 | - | - | - | €1,487 | €40,503 | €45,971 | €48,082 | ▲ 4.6% |
| Non-recurring operating charges66A | - | - | - | - | €4,541 | €0 | - | - |
| Gross operating margin9900 | €13,334 | €28,409 | €21,266 | €22,066 | €102,435 | -€9,116 | €49,095 | - |
| Operating profit (loss)9901 | €4,947 | €21,193 | €14,869 | €17,188 | €57,392 | -€55,087 | -€211 | ▲ 99.6% |
| Financial income75/76B | - | - | - | €0 | €0 | €1,154 | €154 | ▼ 86.6% |
| Recurring financial income75 | - | - | - | €0 | €0 | €1,154 | €154 | ▼ 86.6% |
| Financial charges65/66B | - | - | - | €3,541 | €3,487 | €3,393 | €5,733 | ▲ 69.0% |
| Recurring financial charges65 | €4,427 | €2,957 | €1,984 | €3,541 | €3,487 | €3,393 | €5,733 | ▲ 69.0% |
| Profit (loss) for the period before taxes9903 | €521 | €18,236 | €12,885 | €13,647 | €53,905 | -€57,325 | -€5,790 | ▲ 89.9% |
| Income taxes67/77 | €514 | €262 | €313 | €291 | €5,613 | €5,671 | €237 | ▼ 95.8% |
| Profit (loss) for the period9904 | €6 | €17,975 | €12,572 | €13,356 | €48,292 | -€62,996 | -€6,027 | ▲ 90.4% |
| Profit (loss) for the period to be appropriated9905 | €6 | €17,975 | €12,572 | €13,356 | €48,292 | -€62,996 | -€6,027 | ▲ 90.4% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €64,998 | €71,336 | €57,887 | €45,092 | €77,065 | €37,371 | €39,006 | ▲ 4.4% |
| Fixed assets21/28 | €13,399 | €8,686 | €8,982 | €5,591 | €1,050 | €1,050 | €10,286 | ▲ 880% |
| Tangible fixed assets22/27 | €13,399 | €8,686 | €7,932 | €4,541 | €0 | - | €9,236 | - |
| Plant, machinery and equipment23 | - | - | - | €893 | €0 | - | €5,557 | - |
| Furniture and vehicles24 | - | - | - | - | - | - | €3,678 | - |
| Other tangible fixed assets26 | - | - | - | €3,648 | €0 | - | - | - |
| Financial fixed assets28 | - | - | €1,050 | €1,050 | €1,050 | €1,050 | €1,050 | = |
| Current assets29/58 | €51,599 | €62,650 | €48,904 | €39,501 | €76,015 | €36,321 | €28,720 | ▼ 20.9% |
| Amounts receivable within one year40/41 | €42,178 | €53,154 | €36,466 | €25,010 | €70,053 | €22,079 | €12,290 | ▼ 44.3% |
| Trade receivables40 | - | - | - | €24,802 | €69,799 | €21,449 | €11,498 | ▼ 46.4% |
| Other amounts receivable41 | - | - | - | €209 | €254 | €630 | €792 | ▲ 25.7% |
| Cash at bank and in hand54/58 | - | €384 | €7,096 | €7,903 | €2,281 | €7,846 | €7,405 | ▼ 5.6% |
| Deferred charges and accrued income490/1 | - | - | - | €6,587 | €3,682 | €6,396 | €9,025 | ▲ 41.1% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €64,998 | €71,336 | €57,887 | €45,092 | €77,065 | €37,371 | €39,006 | ▲ 4.4% |
| Equity10/15 | -€164,339 | -€146,364 | -€133,792 | -€120,436 | -€72,144 | -€135,140 | -€141,167 | ▼ 4.5% |
| Contributions10/11 | €18,600 | - | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €42,260 | €42,260 | €42,260 | €42,260 | €42,260 | €42,260 | €42,260 | = |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | - | - | €40,400 | €40,400 | €42,260 | €42,260 | = |
| Profit (loss) carried forward14 | -€225,199 | -€207,224 | -€194,652 | -€181,296 | -€133,004 | -€196,000 | -€202,027 | ▼ 3.1% |
| Amounts payable17/49 | €229,337 | €217,701 | €191,679 | €165,527 | €149,209 | €172,510 | €180,172 | ▲ 4.4% |
| Amounts payable after more than one year17 | €13,119 | - | - | - | - | - | €20,722 | - |
| Financial debts170/4 | - | - | - | - | - | - | €20,722 | - |
| Amounts payable within one year42/48 | €191,904 | €195,062 | €169,754 | €141,736 | €129,196 | €152,497 | €139,406 | ▼ 8.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | €80,000 | €80,000 | €80,000 | €85,648 | ▲ 7.1% |
| Financial debts43 | - | - | - | - | €2,998 | €1,658 | €1,728 | ▲ 4.2% |
| Credit institutions430/8 | - | - | - | - | €2,998 | €1,658 | €1,728 | ▲ 4.2% |
| Trade debts44 | €11,330 | €16,104 | €9,125 | €12,233 | €10,759 | €10,309 | €12,270 | ▲ 19.0% |
| Suppliers440/4 | - | - | - | €12,233 | €10,759 | €10,309 | €12,270 | ▲ 19.0% |
| Taxes, remuneration and social security45 | - | - | - | €4,946 | €12,434 | €11,688 | €2,850 | ▼ 75.6% |
| Taxes450/3 | - | - | - | €4,946 | €12,434 | €11,688 | €2,850 | ▼ 75.6% |
| Other amounts payable47/48 | - | - | - | €44,557 | €23,004 | €48,842 | €36,910 | ▼ 24.4% |
| Accrued charges and deferred income492/3 | - | - | - | €23,791 | €20,013 | €20,013 | €20,044 | ▲ 0.2% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6 | €17,975 | €12,572 | €13,356 | €48,292 | -€62,996 | -€6,027 | ▲ 90.4% |
| + Depreciation and write-downs630 | €6,010 | €4,713 | €3,131 | €3,391 | €0 | - | €1,224 | - |
| Operating cash flow (approximation) | €6,017 | €22,688 | €15,703 | €16,748 | €48,292 | -€62,996 | -€4,803 | ▲ 92.4% |
| Investment in fixed assets (approximation) | - | €0 | -€3,427 | €0 | €4,541 | €0 | -€10,460 | - |
| Change in cash | - | - | €6,712 | €807 | -€5,623 | €5,565 | -€441 | - |
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 16 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-06-2025 | micro format | 01-02-2026 | 2026-00027912 |
| 30-06-2024 | micro format | 01-02-2026 | 2026-00028554 |
| 30-06-2023 | micro format | 16-02-2024 | 2024-00030955 |
| 30-06-2022 | micro format | 30-09-2023 | 2023-00463179 |
| 30-06-2021 | micro format | 15-02-2022 | 2022-05700554 |
| 30-06-2020 | micro format | 31-01-2021 | 2021-04100078 |
| 30-06-2019 | micro format | 31-10-2019 | 2019-72600431 |
| 30-06-2018 | micro format | 01-02-2019 | 2019-04200362 |
| 30-06-2017 | abbreviated format | 10-04-2018 | 2018-09500501 |
| 30-06-2016 | abbreviated format | 10-02-2017 | 2017-04300535 |
Similar companies · same sector and region
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| CASSIERS Dirk Maria Georges |
|
Owners and capital
Capital and shareholders
- 22-11-2023 Converted to unavailable equity · €20,460
Group and network
Connections & network
The board mandates are listed below; here you explore them as a network.
Board mandates elsewhere
1 board mandateHistory
Acts, filings and financial milestones
23-01
Gazette deed
Permanent representative: Oyen SandraRegistered-office move2 facts ▸
- Registered-office move, Vinkenlei 35, 2900 Schoten
- Permanent representative, Oyen Sandra
22-11
Gazette deed
Resignation: CASSIERS Dirk Maria Georges (manager)Appointment: CASSIERS Dirk Maria Georges (director) · Capital conversion · Reserve release10 facts ▸
- General meeting, “buitengewone algemene vergadering” (deed in Dutch)
- Other provision, “aanpassing statuten aan WVV en behoud rechtsvorm, behoud” (deed in Dutch)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Reserve release, “beschikbaar voor uitkering, vormen en meerderheden van de statutenwijziging” (deed in Dutch)
- Purpose change
- Amendment of the articles
- Director resignation, CASSIERS Dirk Maria Georges (manager (not named in the articles))
- Director appointment, CASSIERS Dirk Maria Georges (director (not named in the articles))
- Registered office clause, “2900 Schoten,Alfons Servaislei 76” (deed in Dutch)
- Power of attorney, Ellen VERHAERT
About the unread acts
Of the 10 Belgian Official Gazette deeds we know for this company, 2 have been read. The other 8 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 23 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 |
|---|---|---|---|---|
| 11040D0293/00A003 | Flanders | 2,053 m² | 1 · 233 m² | - |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- ConceptPool
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alonedeed of 22-11-2023
- Board ruleHow the board is made up, meets and takes decisions.
- “Bestuursorgaan, 1” (deed in Dutch)deed of 22-11-2023
- Power of attorneyA special mandate allowing someone to perform one or more acts on the company's behalf.
- One provision in the deeddeed of 23-01-2025
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- “In het algemeen mag de vennootschap alle commerciële, industriële, financiële, roerende en onroerende verrichtingen en handelingen doen die…” (deed in Dutch)