CONCILIO
ActiveSummary
CONCILIO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €3.94M and a net result of €319k. Equity is growing by ~31% per year across the filed fiscal years. Its solvency ranks better than 89% of 2283 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability78▼-19
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €350k at 30 days acceptable
Liquidity ample (current ratio 9.75 against 19.91 in 2023; short-term debt: 9.8% and cash: 87.3% of total assets), and 9.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
90.2%
Return on assets
7.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-06-2025, 49 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
49 d early
2023
49 d early
2022
54 d early
2021
47 d early
2020
37 d early
2019
43 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€3.94M▲ 8.8%
2023 · €3.62M
2018: €293k
2019: €336k
2020: €1.39M
2021: €2.15M
2022: €2.77M
2023: €3.62M
2018 → 2024
Total assets
€4.37M▲ 14.7%
2023 · €3.81M
2018: €359k
2019: €795k
2020: €1.80M
2021: €2.49M
2022: €2.99M
2023: €3.81M
2018 → 2024
Net result
€319k▼ 62.5%
2023 · €850k
2018: €287k
2019: €44k
2020: €1.06M
2021: €751k
2022: €622k
2023: €850k
2018 → 2024
Working capital
€3.75M▲ 6.1%
2023 · €3.54M
2018: €273k
2019: €297k
2020: €1.29M
2021: €2.06M
2022: €2.70M
2023: €3.54M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.39M-€2.15M▲ 53.9%€2.77M▲ 29.0%€3.62M▲ 30.7%€3.94M▲ 8.8%
Operating result€1.56M-€1.11M▼ 28.5%€922k▼ 17.1%€1.18M▲ 28.4%€475k▼ 59.9%
Net result€1.06M-€751k▼ 29.0%€622k▼ 17.3%€850k▲ 36.8%€319k▼ 62.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 60% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.37M
Fixed assets
€184k ▲ 129%
Current assets
€4.18M ▲ 12.3%
Equity and liabilities €4.37M
Equity
€3.94M ▲ 8.8%
Debt
€429k ▲ 129%
Debt's share of the balance-sheet total rises from 4.9% to 9.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€508k▼
2023 · €1.21M
Cash flow
€351k▼
2023 · €877k
Current ratio
9.75▼
2023 · 19.91
Debt to equity
0.11▲
2023 · 0.05
ROE
8.1%▼
2023 · 23.5%
ROA
7.3%▼
2023 · 22.3%
Interest coverage
294.47▼
2023 · 308.90
Debt ≤ 1 year
€429k▲
2023 · €187k
Income taxes
€162k▼
2023 · €390k
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 · 44 lines
Balance sheet
Code20232024
Assets
Total assets20/58€3.81M€4.37M▲
Fixed assets21/28€80k€184k▲
Tangible fixed assets22/27€55k€159k▲
Plant, machinery and equipment23€2k€8k▲
Furniture and vehicles24€51k€149k▲
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€25k€25k=
Current assets29/58€3.73M€4.18M▲
Amounts receivable within one year40/41€252k€370k▲
Trade receivables40€207k€314k▲
Other amounts receivable41€45k€55k▲
Cash at bank and in hand54/58€3.47M€3.81M▲
Equity and liabilities
Total equity and liabilities10/49€3.81M€4.37M▲
Equity10/15€3.62M€3.94M▲
Contributions10/11€6k€6k=
Reserves13€3.61M€3.93M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€3.61M€3.93M▲
Amounts payable17/49€187k€429k▲
Amounts payable within one year42/48€187k€429k▲
Financial debts43€3k€2k▼
Credit institutions430/8€3k€2k▼
Trade debts44€90k€117k▲
Suppliers440/4€90k€117k▲
Taxes, remuneration and social security45€85k-
Taxes450/3€85k-
Other amounts payable47/48€9k€310k▲
Income statement
Code20232024
Non-recurring operating income76A-€29k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€33k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€1.21M€510k▼
Operating profit (loss)9901€1.18M€475k▼
Financial income75/76B€60k€7k▼
Recurring financial income75€60k€7k▼
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€1.24M€480k▼
Income taxes67/77€390k€162k▼
Profit (loss) for the period9904€850k€319k▼
Profit (loss) for the period to be appropriated9905€850k€319k▼
Appropriation of the result
Profit (loss) to be appropriated9906€850k€319k▼
Transfer to equity691/2€850k€319k▼
To other reserves6921€850k€319k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €2MEq €2.15M ▲53.9%
4 profitable years in a row build equity to €2.15M.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €1.06M ▲2,319%
Operating result €1.56M, net result €1.06M, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.19
Current ratio from 1.65 to 4.19; short-term debt falls from €458k to €405k.
31-12
Financial
Equity above €1MEq €1.39M ▲314%
3 profitable years in a row build equity to €1.39M.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €44k ▼84.7%
Net result drops to €44k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Dilbeek · 1 establishment unit since 2017
Ground area
1,874 m²
Building footprint
285 m²
Volume, LiDAR
1,505 m³
2 parcels, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Concilio
since 20172.268.765.662
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23026B0246/00F004 | Flanders | 1,180 m² | 1 · 132 m² | 8.2 m · 2 fl. |
| 23026B0246/00M003 | Flanders | 694 m² | 1 · 153 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
8755007CS8M3BHH3EC95
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Of 24,497 companies in sector 82990 we hold annual accounts for 9,406. 2,169 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-07-2017
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:peter@concilio.be