CONCEPTRESTO

Active

Private limited company (pre-2019)founded 20178 yrs activeJetse Steenweg 592, 1090 Jette, BelgiumKBO/BCE: BE 0686.745.548

The computed 12-month bankruptcy probability of CONCEPTRESTO is 2.8% (moderate). The 2025 annual accounts show equity of €87k and a net result of €9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 94% of 13071 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

85 / 100

Excellent▼ -8 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability53▼-47

Solvency100▲+1

Growth78=

Stability100

Bankruptcy probability, 12 months

2.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 7.18 against 2.57 in 2024), and 13.9% of the assets are financed with debt.

How do we compute the score and the probability?

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

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

86.1%

Return on assets

9.2%

Age of the figures

8 mo

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

NBB · annual accounts 2025

Equity per financial year

18192022232425

2018 to 2025 · latest year €87k

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filings

Deviation from the deadline

2025

31 d late

2024

31 d late

2023

26 d late

2022

9 d late

2020

101 d late

2019

45 d early

2018

30 d late

← before the deadline after the deadline →

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 months

Position in the running window

15-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€9k▼ 80.2%

2024 · €47k

2018: €-13k 2019: €-5k 2020: €-18k 2022: €110k 2023: €-36k 2024: €47k

2018 → 2025

Working capital

€87k▲ 12.0%

2024 · €78k

2018: €-38k 2019: €25k 2020: €7k 2022: €106k 2023: €101k 2024: €78k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202022202320242025Trend

Equity€-17k-€67k€31k▼ 54.0%€78k▲ 152%€87k▲ 12.0%

Operating result€-10k-€118k€-31k€64k€13k▼ 80.2%

Net result€-18k-€110k€-36k€47k€9k▼ 80.2%

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 80% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €101k

86.1%

13.9%

Equity €87k▲ 12.0%

Debt €14k▼ 71.5%

The debt ratio falls from 38.9% to 13.9%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

Solvency

86.1%▲

2024 · 61.1%

Current ratio

7.18▲

2024 · 2.57

Quick ratio

7.18▲

2024 · 2.57

Debt / equity

0.16▼

2024 · 0.64

ROE

10.7%▼

2024 · 60.3%

ROA

9.2%▼

2024 · 36.9%

Debt

€14k▼

2024 · €49k

Debt ≤ 1 year

€14k▼

2024 · €49k

Income taxes

€3k▼

2024 · €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€127k€101k▼

Current assets29/58€127k€101k▼

Amounts receivable within one year40/41€102k€100k▼

Trade receivables40-€47

Other amounts receivable41€102k€100k▼

Cash at bank and in hand54/58€25k€614▼

Equity and liabilities

Total equity and liabilities10/49€127k€101k▼

Equity10/15€78k€87k▲

Contributions10/11€19k€19k=

Profit (loss) carried forward14€59k€68k▲

Amounts payable17/49€49k€14k▼

Amounts payable within one year42/48€49k€14k▼

Trade debts44€25k-

Suppliers440/4€25k-

Taxes, remuneration and social security45€7k€14k▲

Taxes450/3€7k€14k▲

Other amounts payable47/48€17k-

Income statement Code20242025

Other operating charges640/8-€175

Non-recurring operating charges66A€2k-

Gross operating margin9900€66k€13k▼

Operating profit (loss)9901€64k€13k▼

Financial charges65/66B€11k€76▼

Recurring financial charges65€11k€76▼

Profit (loss) for the period before taxes9903€53k€13k▼

Income taxes67/77€6k€3k▼

Profit (loss) for the period9904€47k€9k▼

Profit (loss) for the period to be appropriated9905€47k€9k▼

Appropriation of the result

Profit (loss) to be appropriated9906€59k€68k▲

Profit (loss) brought forward from the previous period14P€12k€59k▲

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 14Financial 7Filings 7

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

31-12

Financial Liquidity triplescurrent ratio 7.18

Current ratio from 2.57 to 7.18; short-term debt falls from €49k to €14k.

31-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 31 days late

2024

31-12

Financial Back to profitnet €47k

Net result €47k after one loss-making year.

26-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 26 days late

2023

31-12

Financial Weakest financial yearnet €-36k ▼133%

Net result drops to €-36k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity triplescurrent ratio 8.49

Current ratio from 2.84 to 8.49; short-term debt falls from €57k to €13k.

09-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 9 days late

2022

31-12

Financial Back to profitnet €110k

Net result €110k after 3 loss-making years.

31-12

Financial Liquidity triplescurrent ratio 2.84

Current ratio from 1.11 to 2.84; short-term debt falls from €66k to €57k.

2021

09-11

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 101 days late

2020

16-06

NBB filing Annual accounts filed

fiscal year 2019 · full schema

2019

31-12

Financial Liquidity quadruplescurrent ratio 1.56

Current ratio from 0.38 to 1.56; short-term debt falls from €61k to €45k.

30-08

NBB filing Annual accounts filed

fiscal year 2018 · full schema · 30 days late

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, Jette · 1 establishment unit since 2018

establishment The establishment unit on the map

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.

Jetse Steenweg 5921090 Jette

Ground area

124 m²

Building footprint

123 m²

Volume, LiDAR

1,188 m³

Parcel 21464E0002/00G005, Brussels · tallest building 20.0 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

CONCEPTRESTO

Jetse Steenweg 592, 1090 JetteRenting and operating of own or leased residential real estate, excluding social housing

since 20182.275.575.656

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21464E0002/00G005	Brussels	124 m²	1 · 123 m²	20.0 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

Nieuwerkerken (Limb.) · Eq €87k

ISD CONSULT

BE 0735.666.608

Brussel · Eq €87k

Of 21,621 companies in sector 56112 we hold annual accounts for 9,654. 7,873 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded21-12-2017

Fiscal year end31-12

Activities, NACEBEL

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

E-mail:haesen@conceptresto.be

Establishment Jette 2.275.575.656