CONCIL.IO
ActiveSummary
CONCIL.IO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €31,855 and a net result of €20,156. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 39% of 37965 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+100
Solvency70▼-30
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 1.74 against 9.66 in 2023; short-term debt: 54.6% and cash: 13% of total assets), but 54.6% of the assets are financed with debt.
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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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
45.4%
Return on assets
28.7%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-06-2026, 38 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
38 d early
2024
12 d late
2023
19 d late
2022
66 d late
2021
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 18 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 20 August (4 of the last 5 filed years within 46 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
Equity
€31,855▼ 13.6%
2023 · €36,855
Total assets
€70,216▲ 71.9%
2023 · €40,851
Net result
€20,156
2023 · -€21,920
Working capital
€28,399▼ 18.0%
2023 · €34,618
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result€42,439-€33,289▼ 21.6%-€21,757€21,440
Net result€33,335within the sector's middle half-€25,240within the sector's middle half▼ 24.3%-€21,920below the sector's middle half€20,156within the sector's middle half
Equity€33,535within the sector's middle half-€58,775within the sector's middle half▲ 75.3%€36,855within the sector's middle half▼ 37.3%€31,855within the sector's middle half▼ 13.6%
Total assets€59,374below the sector's middle half-€91,095within the sector's middle half▲ 53.4%€40,851below the sector's middle half▼ 55.2%€70,216below the sector's middle half▲ 71.9%
Debt€25,839-€32,320▲ 25.1%€3,996▼ 87.6%€38,361▲ 860%
Working capital€29,277within the sector's middle half-€58,229within the sector's middle half▲ 98.9%€34,618within the sector's middle half▼ 40.5%€28,399within the sector's middle half▼ 18.0%
Solvency56.5%within the sector's middle half-64.5%within the sector's middle half▲ 8.0pp90.2%above the sector's middle half▲ 25.7pp45.4%within the sector's middle half▼ 44.9pp
Current ratio2.13within the sector's middle half-2.85within the sector's middle half▲ 0.729.66above the sector's middle half▲ 6.811.74within the sector's middle half▼ 7.92
Return on assets (ROA)56.1%above the sector's middle half-27.7%within the sector's middle half▼ 28.4pp-53.7%below the sector's middle half▼ 81.4pp28.7%within the sector's middle half▲ 82.4pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
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: €21,440 after a loss of €21,757 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €70,216
Fixed assets
€3,456 ▲ 54.5%
Current assets
€66,760 ▲ 72.9%
Equity and liabilities €70,216
Equity
€31,855 ▼ 13.6%
Debt
€38,361 ▲ 860%
Debt's share of the balance-sheet total rises from 9.8% to 54.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€22,289▲
2023 · -€20,141
Cash flow
€21,005▲
2023 · -€20,304
Debt to equity
1.20▲
2023 · 0.11
ROE
63.3%▲
2023 · -59.5%
Interest coverage
248.54▲
2023 · -250.19
Debt ≤ 1 year
€38,361▲
2023 · €3,996
Income taxes
€1,194▲
2023 · €123
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% 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 497,338 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% | 1.9% |
| 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% 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 26,975 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,339 | €2,813 | €1,616 | €849 | ▼ 47.5% |
| Other operating charges640/8 | €657 | €323 | €793 | €1,221 | ▲ 54.0% |
| Non-recurring operating charges66A | €246 | €170 | - | - | - |
| Gross operating margin9900 | €48,680 | €36,595 | -€19,348 | €23,510 | ▲ 222% |
| Operating profit (loss)9901 | €42,439 | €33,289 | -€21,757 | €21,440 | ▲ 199% |
| Financial income75/76B | - | - | €40 | - | - |
| Recurring financial income75 | - | - | €40 | - | - |
| Financial charges65/66B | €104 | - | €81 | €90 | ▲ 11.4% |
| Recurring financial charges65 | €104 | - | €81 | €90 | ▲ 11.4% |
| Profit (loss) for the period before taxes9903 | €42,335 | €33,289 | -€21,797 | €21,350 | ▲ 198% |
| Income taxes67/77 | €9,000 | €8,049 | €123 | €1,194 | ▲ 869% |
| Profit (loss) for the period9904 | €33,335 | €25,240 | -€21,920 | €20,156 | ▲ 192% |
| Profit (loss) for the period to be appropriated9905 | €33,335 | €25,240 | -€21,920 | €20,156 | ▲ 192% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €59,374 | €91,095 | €40,851 | €70,216 | ▲ 71.9% |
| Formation expenses20 | €1 | - | - | - | - |
| Fixed assets21/28 | €4,257 | €1,445 | €2,236 | €3,456 | ▲ 54.5% |
| Tangible fixed assets22/27 | €4,257 | €1,445 | €2,236 | €3,456 | ▲ 54.5% |
| Plant, machinery and equipment23 | - | - | €2,236 | €1,996 | ▼ 10.8% |
| Furniture and vehicles24 | €4,257 | €1,445 | - | €1,461 | - |
| Current assets29/58 | €55,116 | €89,650 | €38,615 | €66,760 | ▲ 72.9% |
| Amounts receivable within one year40/41 | €10,890 | €5,964 | €5,481 | €57,378 | ▲ 947% |
| Trade receivables40 | €10,890 | €5,082 | €5,082 | €53,482 | ▲ 952% |
| Other amounts receivable41 | - | €882 | €399 | €3,896 | ▲ 876% |
| Cash at bank and in hand54/58 | €43,066 | €83,686 | €32,907 | €9,147 | ▼ 72.2% |
| Deferred charges and accrued income490/1 | €1,160 | - | €227 | €234 | ▲ 3.4% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €59,374 | €91,095 | €40,851 | €70,216 | ▲ 71.9% |
| Equity10/15 | €33,535 | €58,775 | €36,855 | €31,855 | ▼ 13.6% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Profit (loss) carried forward14 | €32,535 | €57,775 | €35,855 | €30,855 | ▼ 13.9% |
| Amounts payable17/49 | €25,839 | €32,320 | €3,996 | €38,361 | ▲ 860% |
| Amounts payable within one year42/48 | €25,839 | €31,421 | €3,996 | €38,361 | ▲ 860% |
| Trade debts44 | €5,219 | €2,524 | €1,858 | €1,075 | ▼ 42.1% |
| Suppliers440/4 | €5,219 | €2,524 | €1,858 | €1,075 | ▼ 42.1% |
| Taxes, remuneration and social security45 | €19,979 | €28,897 | €2,139 | €12,130 | ▲ 467% |
| Taxes450/3 | €17,186 | €26,296 | €2,139 | €12,130 | ▲ 467% |
| Remuneration and social security454/9 | €2,793 | €2,601 | - | - | - |
| Other amounts payable47/48 | €641 | - | - | €25,156 | - |
| Accrued charges and deferred income492/3 | - | €899 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33,335 | €25,240 | -€21,920 | €20,156 | ▲ 192% |
| + Depreciation and write-downs630 | €5,339 | €2,813 | €1,616 | €849 | ▼ 47.5% |
| Operating cash flow (approximation) | €38,673 | €28,053 | -€20,304 | €21,005 | ▲ 203% |
| Investment in fixed assets (approximation) | - | -€1 | -€2,407 | -€2,069 | ▲ 14.1% |
| Change in cash | - | €40,620 | -€50,779 | -€23,760 | ▲ 53.2% |
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
Next filing, fiscal year 2026, expected by
2026
23-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial
Back to profitnet €20,156
Net result €20,156 after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Weakest financial yearnet -€21,920
Net result drops to -€21,920, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 9.66
Current ratio from 2.85 to 9.66; short-term debt falls from €31,421 to €3,996.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Andenne · 1 establishment unit since 2020
Ground area
4,126 m²
Building footprint
103 m²
Parcel 92130A0453/00F000, Wallonia. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
CONCIL.IO
since 20202.303.136.623
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92130A0453/00F000 | Wallonia | 4,126 m² | 1 · 103 m² | - |
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 82,646 companies in sector 70200 we hold annual accounts for 52,627. 34,911 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
Founded27-05-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
68110Buying and selling of own real estate
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0747655016
Also
9925:BE0747655016
Registered
18-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.