Conceptu'L
ActiveSummary
Conceptu'L has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €27k and a net result of €13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 53% of 11615 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+100
Solvency82▲+28
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.27 against 1.38 in 2023; short-term debt: 42.8% and cash: 35.8% of total assets), and 42.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
57.2%
Return on assets
28.4%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-10-2025, 75 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
not confirmed
2024
75 d late
2023
118 d late
2022
30 d late
2021
29 d late
2020
155 d early
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€27k▲ 98.7%
2023 · €13k
2018: €5klowest in 7 years
2019: €19k▲ +278% vs 2018
2020: €32k▲ +68.5% vs 2019
2021: €35k▲ +9.9% vs 2020highest in 7 years
2022: €30k▼ -15.2% vs 2021
2023: €13k▼ -55.0% vs 2022
2024: €27k▲ +98.7% vs 2023
2018 → 2024
Total assets
€47k=
2023 · €47k
2018: €45klowest in 7 years
2019: €49k▲ +9.7% vs 2018
2020: €69k▲ +39.9% vs 2019
2021: €64k▼ -6.2% vs 2020
2022: €70k▲ +9.0% vs 2021highest in 7 years
2023: €47k▼ -33.7% vs 2022
2024: €47k● -0.0% vs 2023
2018 → 2024
Net result
€13k
2023 · €-16k
2018: €9k
2019: €14k▲ +49.8% vs 2018highest in 7 years
2020: €13k▼ -6.9% vs 2019
2021: €3k▼ -75.7% vs 2020
2022: €-5k▼ -268% vs 2021
2023: €-16k▼ -208% vs 2022lowest in 7 years
2024: €13k▲ +181% vs 2023
2018 → 2024
Working capital
€25k▲ 97.7%
2023 · €13k
2018: €9klowest in 7 years
2019: €14k▲ +48.7% vs 2018
2020: €28k▲ +98.8% vs 2019
2021: €30k▲ +6.0% vs 2020highest in 7 years
2022: €27k▼ -9.6% vs 2021
2023: €13k▼ -52.5% vs 2022
2024: €25k▲ +97.7% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€32k-€35k▲ 9.9%€30k▼ 15.2%€13k▼ 55.0%€27k▲ 98.7%
2020: €32k
2021: €35k▲ +9.9% vs 2020highest in 5 years
2022: €30k▼ -15.2% vs 2021
2023: €13k▼ -55.0% vs 2022lowest in 5 years
2024: €27k▲ +98.7% vs 2023
Operating result€18k-€9k▼ 52.0%€-1k€-14k▼ 852%€17k
2020: €18khighest in 5 years
2021: €9k▼ -52.0% vs 2020
2022: €-1k▼ -117% vs 2021
2023: €-14k▼ -852% vs 2022lowest in 5 years
2024: €17k▲ +219% vs 2023
Net result€13k-€3k▼ 75.7%€-5k€-16k▼ 208%€13k
2020: €13k
2021: €3k▼ -75.7% vs 2020
2022: €-5k▼ -268% vs 2021
2023: €-16k▼ -208% vs 2022lowest in 5 years
2024: €13k▲ +181% vs 2023highest in 5 years
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 2024: €17k after a loss of €14k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €47k
Fixed assets
€1k ▲ 118%
Current assets
€45k ▼ 1.7%
Equity and liabilities €47k
Equity
€27k ▲ 98.7%
Debt
€20k ▼ 39.9%
Debt's share of the balance-sheet total falls from 71.2% to 42.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▲
2023 · €-11k
Cash flow
€14k▲
2023 · €-14k
Current ratio
2.27▲
2023 · 1.38
Debt to equity
0.75▼
2023 · 2.47
ROE
49.7%▲
2023 · -122.1%
ROA
28.4%▲
2023 · -35.2%
Interest coverage
7.51▲
2023 · -4.49
Debt ≤ 1 year
€20k▼
2023 · €33k
Income taxes
€1k▲
2023 · €214
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 42 lines
Balance sheet
Code20232024
Assets
Total assets20/58€47k€47k=
Fixed assets21/28€660€1k▲
Tangible fixed assets22/27€590€1k▲
Furniture and vehicles24€590€1k▲
Financial fixed assets28€70€70=
Current assets29/58€46k€45k▼
Amounts receivable within one year40/41€44k€28k▼
Trade receivables40€40k€22k▼
Other amounts receivable41€4k€6k▲
Cash at bank and in hand54/58€2k€17k▲
Deferred charges and accrued income490/1€151€108▼
Equity and liabilities
Total equity and liabilities10/49€47k€47k=
Equity10/15€13k€27k▲
Contributions10/11€19k€19k=
Reserves13€670€670=
Non-distributable reserves130/1€670€670=
Reserves not available under the articles1311€670€670=
Profit (loss) carried forward14€-6k€7k▲
Amounts payable17/49€33k€20k▼
Amounts payable within one year42/48€33k€20k▼
Current portion of amounts payable after more than one year42€339€347▲
Trade debts44€14k€5k▼
Suppliers440/4€14k€5k▼
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€15k€7k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€422▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€6k-
Other operating charges640/8€378€1k▲
Gross operating margin9900€-5k€18k▲
Operating profit (loss)9901€-14k€17k▲
Financial income75/76B€355-
Recurring financial income75€355-
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-16k€14k▲
Income taxes67/77€214€1k▲
Profit (loss) for the period9904€-16k€13k▲
Profit (loss) for the period to be appropriated9905€-16k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€7k▲
Profit (loss) brought forward from the previous period14P€11k€-6k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €4k | €3k | €3k | €422 | ▼ 84.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €6k | - | - |
| Other operating charges640/8 | - | €110 | €146 | €378 | €1k | ▲ 169% |
| Non-recurring operating charges66A | - | €190 | - | - | - | - |
| Gross operating margin9900 | €22k | €13k | €2k | €-5k | €18k | ▲ 479% |
| Operating profit (loss)9901 | €18k | €9k | €-1k | €-14k | €17k | ▲ 219% |
| Financial income75/76B | - | €69 | €21 | €355 | - | - |
| Recurring financial income75 | €31 | €69 | €21 | €355 | - | - |
| Financial charges65/66B | - | €3k | €3k | €3k | €2k | ▼ 9.7% |
| Recurring financial charges65 | €2k | €3k | €3k | €3k | €2k | ▼ 9.7% |
| Profit (loss) for the period before taxes9903 | €17k | €6k | €-5k | €-16k | €14k | ▲ 189% |
| Income taxes67/77 | €4k | €3k | €798 | €214 | €1k | ▲ 443% |
| Profit (loss) for the period9904 | €13k | €3k | €-5k | €-16k | €13k | ▲ 181% |
| Profit (loss) for the period to be appropriated9905 | €13k | €3k | €-5k | €-16k | €13k | ▲ 181% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €69k | €64k | €70k | €47k | €47k | = |
| Fixed assets21/28 | €7k | €6k | €3k | €660 | €1k | ▲ 118% |
| Tangible fixed assets22/27 | €7k | €6k | €3k | €590 | €1k | ▲ 132% |
| Plant, machinery and equipment23 | - | €34 | - | - | - | - |
| Furniture and vehicles24 | - | €6k | €3k | €590 | €1k | ▲ 132% |
| Financial fixed assets28 | €70 | €70 | €70 | €70 | €70 | = |
| Current assets29/58 | €62k | €58k | €67k | €46k | €45k | ▼ 1.7% |
| Amounts receivable within one year40/41 | €53k | €46k | €61k | €44k | €28k | ▼ 35.4% |
| Trade receivables40 | - | €45k | €58k | €40k | €22k | ▼ 44.9% |
| Other amounts receivable41 | - | €1k | €3k | €4k | €6k | ▲ 66.1% |
| Cash at bank and in hand54/58 | €8k | €10k | €6k | €2k | €17k | ▲ 783% |
| Deferred charges and accrued income490/1 | - | €2k | €389 | €151 | €108 | ▼ 28.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €69k | €64k | €70k | €47k | €47k | = |
| Equity10/15 | €32k | €35k | €30k | €13k | €27k | ▲ 98.7% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €670 | €670 | €670 | €670 | €670 | = |
| Non-distributable reserves130/1 | - | €670 | €670 | €670 | €670 | = |
| Reserves not available under the articles1311 | - | €670 | €670 | €670 | €670 | = |
| Profit (loss) carried forward14 | €13k | €16k | €11k | €-6k | €7k | ▲ 227% |
| Amounts payable17/49 | €37k | €29k | €40k | €33k | €20k | ▼ 39.9% |
| Amounts payable after more than one year17 | €3k | €920 | - | - | - | - |
| Financial debts170/4 | - | €920 | - | - | - | - |
| Amounts payable within one year42/48 | €34k | €28k | €40k | €33k | €20k | ▼ 39.9% |
| Current portion of amounts payable after more than one year42 | - | €4k | €1k | €339 | €347 | ▲ 2.3% |
| Trade debts44 | €15k | €12k | €24k | €14k | €5k | ▼ 65.7% |
| Suppliers440/4 | - | €12k | €24k | €14k | €5k | ▼ 65.7% |
| Taxes, remuneration and social security45 | - | €7k | €5k | €5k | €8k | ▲ 70.7% |
| Taxes450/3 | - | €7k | €5k | €3k | €6k | ▲ 123% |
| Remuneration and social security454/9 | - | - | - | €2k | €2k | = |
| Other amounts payable47/48 | - | €6k | €10k | €15k | €7k | ▼ 51.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13k | €3k | €-5k | €-16k | €13k | ▲ 181% |
| + Depreciation and write-downs630 | €2k | €4k | €3k | €3k | €422 | ▼ 84.3% |
| Operating cash flow (approximation) | €15k | €7k | €-2k | €-14k | €14k | ▲ 200% |
| Investment in fixed assets (approximation) | - | €-3k | €0 | €-413 | €-1k | ▼ 191% |
| Change in cash | - | €2k | €-4k | €-4k | €15k | ▲ 454% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 75 days late
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
26-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 118 days late
2023
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €14k ▲49.8%
Operating result €23k, net result €14k, both a record.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
10-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 71 days late
2016
05-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 127 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Estaimpuis · 1 establishment unit since 2010
Ground area
1,330 m²
Building footprint
117 m²
Volume, LiDAR
781 m³
Parcel 57026B0268/00R000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Petit Pavé de Luna(ET) 8, 7730 Estaimpuis
since 20102.187.969.810
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57026B0268/00R000 | Wallonia | 1,330 m² | 1 · 117 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 1,015 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-02-2010
Fiscal year end31-12
Activities, NACEBEL 2025
71112Activities of interior architects
47690Retail sale of other cultural and recreation goods
47789Other retail sale of new goods
71111Activities of building architects
Scores and ratios are computed by Checked and are not a credit decision.