Financials
- Fiscal year
- 2025
- Total assets
- €84,146
- Profit
- €18,224
- Solvency
- 68.6%
Total assets▲ 47.3%
Net result
20242025
CONCORDANCE
ActiveSummary
The computed 12-month bankruptcy probability of CONCORDANCE is 1.9% (moderate). The 2025 annual accounts show equity of €57,701 and a net result of €18,224. Its solvency ranks better than 72% of 12348 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Wholesale of perfume and cosmetics
NACE 46450Retail sale of cosmetics and toilet articles NACE 47750
1 site
How big
€84,146total assets 2025
- Equity
- €57,701
- Profit
- €18,224
Turnover not published (abridged schema)
Who decides
Accounts filed 42 d late0 of 2 deeds read
Why 57- Latest accounts 42 days late; 2 of the last 3 late- Founded in 2024- Size: total assets €84,146+ Liquidity: current ratio 2.55, cash €29,794Show the evidence
Checked score
Score 2025
57
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 83% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
94=
equity 68.6% of total assets
Liquidity
81+12
short-term debt 31.4% · cash 35.4%
Profitability
96+7
return on assets 21.7%
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2025: 1.6%lowest value
04-2025: 1.7%▲ +2.7% vs 03-2025
05-2025: 1.7%▲ +2.1% vs 04-2025
06-2025: 2.1%▲ +23.3% vs 05-2025
07-2025: 2.1%▲ +0.5% vs 06-2025
08-2025: 4.6%▲ +119% vs 07-2025
09-2025: 4.8%▲ +4.1% vs 08-2025highest value
10-2025: 1.7%▼ -64.8% vs 09-2025
11-2025: 1.7%● 0.0% vs 10-2025
12-2025: 1.7%● 0.0% vs 11-2025
01-2026: 1.7%▼ -1.8% vs 12-2025
02-2026: 1.7%▲ +2.0% vs 01-2026
03-2026: 1.7%▲ +1.2% vs 02-2026
04-2026: 2.0%▲ +17.3% vs 03-2026
05-2026: 2.2%▲ +8.9% vs 04-2026
06-2026: 2.2%▼ -1.2% vs 05-2026
07-2026: 2.2%▲ +3.6% vs 06-2026
08-2026: 3.4%▲ +49.5% vs 07-2026
09-2026: 3.5%▲ +5.5% vs 08-2026
10-2026: 1.9%▼ -46.5% vs 09-2026
- Liquidity: current ratio 2.55, cash €29,794 lowers the probability
- Latest accounts 42 days late; 2 of the last 3 late raises the probability
- Founded in 2024 raises the probability for this profile
- Size: total assets €84,146 raises the probability for this profile
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 2.55 against 2.25 in 2024; short-term debt: 31.4% and cash: 35.4% of total assets), and 31.4% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 74%, liquidity 83%, profitability 88%, growth against the median 87%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-09-2026, 42 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 · 2 filingsDeviation from the deadline
2025
42 d late
2024
61 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 52 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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.
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2025
- Next accounts
- by 31-07-2027
- 11-09-2026Annual accounts filed
- 30-09-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Wholesale of perfume and cosmeticsNACE 46450
- Founded
- 08-02-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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