Concerto

Active

Private limited companyfounded 1992active for 34 yearsChaussée de Tubize 481, 1420 Braine-l'Alleud, Belgium25 active companies are registered at this addressKBO/BCE: BE 0447.191.675

Summary

The annual accounts of Concerto for financial year 2024 show a net loss of 66% of total assets. The 2024 annual accounts show equity of €210,445 and a net result of -€167,880. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 81% of 8,798 sector peers (NACE 73, financial year 2024). The company has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).

Risk analysisFollow Report Compare

ConcertoActiveChecked score 55/100

Risk analysis Report Compare

Activity

Advertising agencies

NACE 73110

3 sites

Size

€253,950total assets 2024

Staff: 2 FTE
Equity: €210,445
Loss: -€167,880

Financial health

55 Fair Checked score 2024

Bankruptcy probabilitywithin 12 months: 0.6%

Structure

Accounts 85 days overdue0 of 5 deeds read

Why 55raises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLoss of €167,880 (financial year 2024)lowers riskFounded in 1992Liquidity: current ratio 4.79, cash €64,343, halvedEquity €210,445 (82.9% of total assets)Show the evidence

Checked score

Score 2024

55 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 44% of its sector peers (NACE 73, micro)

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Average

Solvency 100=

equity 82.9% of total assets

Liquidity 77-22

short-term debt 17.1% · cash 25.3%

Profitability 0-70

return on assets -66.1%

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,206 companies, NACE 73, micro)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024lowest value 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: 0.1%▲ +0.1 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.3%▲ +0.2 percentage points vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.4%▲ +0.1 percentage points vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.6%▲ +0.2 percentage points vs 09-2026highest value

Credit of up to €11,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity ample (current ratio 4.79, compared with 8.14 in 2023, above the usual 1.5; short-term debt: 17.1% and cash: 25.3% of total assets), and 17.1% of the assets are financed with debt and provisions.

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 87% on solvency, 69% on liquidity, 6% on profitability and 15% 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).

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Signals

Six signals.

lowers riskraises riskneutral

Loss of €167,880 (financial year 2024)

NBB · annual accounts

Founded in 1992

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Liquidity: current ratio 4.79, cash €64,343, halved

NBB · annual accounts

Equity €210,445 (82.9% of total assets)

NBB · annual accounts

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 85 days later.

NBB · 10 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline24-10-2026 today

A punctual record breaks

This company filed 4 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.

NBB · 10 filings

Deviation from the deadline

2025

not filed

2024

55 days late

2023

34 days early

2022

25 days early

2021

6 days early

2020

31 days early

2019

35 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 1 day before 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 (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

24-09-2025 Annual accounts filedfinancial year 2024 · micro…
31-12-2024 Weakest financial yearnet -€167,880
27-06-2024 Annual accounts filedfinancial year 2023 · micro…

Key points

Caution: From profit to loss in 2024after €3,497 in 2023 -€167,880 View
Caution: Among the weakest 5% on net resultsector median €13,980 · 8,800 companies -€167,880 View
Caution: Accounts not fileddeadline was 31-07-2026 85 days late View

By topic

Financials

Financial year: 2024
Total assets: €253,950
Loss: -€167,880
Solvency: 82.9%

Total assets▼ 42.7%

Net result

20182024

Go to Financials

Timeline

Events: 38
Since: 1993

31-12-2023Back to profit
06-07-2023Annual accounts filed
25-07-2022Annual accounts filed

Go to Timeline

Company details

Sites: 3

Legal form: Private limited company
Activity: Advertising agenciesNACE 73110
Founded: 15-04-1992
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about Concerto

What is the company number of Concerto?: 0447.191.675. In Belgium the VAT number is the company number with BE in front: BE 0447.191.675.
Where is Concerto based?: The registered office is at Chaussée de Tubize 481, 1420 Braine-l'Alleud.Company details
What does Concerto do?: According to the KBO register, the main activity is advertising agencies (NACE 73110).
What is the legal form of Concerto?: Private limited company (BV).
When was Concerto founded?: On 15-04-1992.
Is Concerto still active?: Yes, Concerto is an active enterprise in the KBO register.
How many employees does Concerto have?: On average 2 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of Concerto?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is Concerto profitable?: In financial year 2024, Concerto made a loss of €167,880.
Where can I find the annual accounts of Concerto?: Concerto filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2024.