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Complete company report
Generated 02-08-2026
Active BE 1005.781.122Private limited company

CONCORDANCE

Avenue du Cor de Chasse 18 ·1410 Waterloo, Belgium· 2 yrs active
Sector: Wholesale trade (46450)
Conclusion Checked

The computed 12-month bankruptcy probability of CONCORDANCE is 2.0% (moderate). The 2024 annual accounts show equity of €39k and a net result of €9k. Its solvency ranks better than 82% of 3348 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €39k
Net result €9k
Better than sector 82%
Active 2 yrs
Snowflake analysis 5 axes · computed by Checked
Health88Profitability100Solvency100Growth50Stability67
81 / 100

Exceptional profile, strong across almost every axis.

Health 88
Profitability 100
Solvency 100
Growth 50
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
2.0% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
88 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 69.1% 25.2%
better than 82% of 3348 sector peers
Net result €9k €4k
better than 60% of 3335 sector peers
Equity €39k €23k
better than 61% of 3355 sector peers
Gross operating margin €16k €19k
better than 47% of 3321 sector peers
Total assets €57k €105k
better than 34% of 3353 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Revenue-
EBITDA€15k
Net profit€9k
Cash flow€12k
Staff costs-
Income taxes€2k
Dividends-
Total assets€57k
Equity€39k
Debt€18k
of which ≤ 1y€18k
of which > 1y-
Working capital€22k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.25
Quick ratio0.83
Working capital ratio38.5%
Solvency69.1%
Debt / equity0.45
Long-term debt ratio-
Interest coverage30.31
Gross margin-
Net margin-
ROA16.6%
ROE24.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€57k
Fixed assets 21/28€17k
Formation expenses 20€97
Tangible fixed assets 22/27€15k
Financial fixed assets 28€2k
Current assets 29/58€40k
Stocks & contracts in progress 3€25k
Cash & bank 54/58€15k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€57k
Equity 10/15€39k
Contributions / capital 10/11€30k
Accumulated profits (losses) 14€9k
Amounts payable 17/49€18k
Amounts payable within one year 42/48€18k
Trade debts payable within one year 44€3k
Income statement
Gross operating margin 9900€16k
Operating result 9901€12k
Financial income 75€326
Financial charges 65€483
Result before taxes 9903€11k
Income taxes 67/77€2k
Net result for the period 9904€9k
Result to be appropriated 9905€9k
Ratios computed by Checked.
Legal Structure
NACE primary Wholesale trade(46450)
Legal form Private limited company(610)
Incorporation08-02-2024
StatusActive
Postal code1410
Establishment units 1 location
CONCORDANCE
Rue Neuve(GER) 7, 6280 GerpinnesHandelsbemiddeling in parfums, cosmetica, toiletartikelen en reinigingsmiddelen
since 20242.355.499.203
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25762H0797/00A000 Wallonia 754 m² 1 · 156 m² 10.2 m · 2 fl.
52025A0328/00B009 Wallonia 137 m² 1 · 65 m² 12.1 m · 3 fl.
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.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
30-09-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
07-07-2025
State Gazette act Director changes
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
07-07-2025 Christophe PAQUET removed as statutory auditor Director changes
  • Christophe PAQUET, Commissaris
Technical details 
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  "events": [
    {
      "kind": "commissaris_revocation",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Christophe PAQUET",
        "address": "6280 Gerpinnes, All\u00E9e des Bouleaux 76",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "revocation",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2025-06-04",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de la r\u00E9vocation de Christophe PAQUET, demeurant \u00E0 6280 Gerpinnes, All\u00E9e des Bouleaux 76, comme administrateur non statutaire, et ce \u00E0 compter du 04/06/2025.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "board_snapshot",
      "role": null,
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      "reason": null,
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      "effective_date": "2025-06-04",
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "correction",
      "role": null,
      "person": null,
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      "effective_date": "2025-06-04",
      "evidence_quote": "",
      "decharge_status": null,
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      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-07-07",
    "filing_date": "2025-06-26",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2025-06-04",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "1005.781.122",
    "name_full": "CONCORDANC\u0415",
    "legal_form": null
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Val\u00E9rie EVERAERT",
    "org_rep_person_name": null,
    "person_role_at_subject": "Administrateur"
  },
  "co_filed_documents": [
    "Mod PD",
    "Mod PDF 19.01"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Groothandel in parfumerieën en cosmetica46450Groothandel in parfumerieën en cosmetica46450Detailhandel in cosmetica en toiletartikelen47750Verhuur en exploitatie van terreinen68204Verhuur en exploitatie van terreinen68204Adviesbureaus op het gebied van public relations en communicatie70210Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300Reisorganisatoren79120Activiteiten van reisorganisatoren79120Organisatie van congressen en beurzen82300Organisatie van congressen en beurzen82300Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameFR CONCORDANCE
Registered office
Avenue du Cor de Chasse 18
1410 Waterloo, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative