CONCORDIM
ActiveCONCORDIM has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €673k and a net result of €73k. Equity is growing by ~35.8% per year across the filed fiscal years. Its solvency ranks better than 45% of 9167 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-4
Solvency52▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.23 against 0.28 in 2024; short-term debt: 64.1% and cash: 0.4% of total assets), and 73.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
26.7%
Return on assets
2.9%
Age of the figures
9 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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
28 d late
2023
30 d late
2022
29 d late
2021
32 d late
2020
4 d early
2019
90 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€673k▲ 12.2%
2024 · €600k
2018: €71k
2019: €122k
2020: €188k
2021: €264k
2022: €347k
2023: €442k
2024: €600k
2018 → 2025
Total assets
€2.52M▼ 1.9%
2024 · €2.57M
2018: €2.42M
2019: €2.34M
2020: €2.51M
2021: €2.04M
2022: €2.46M
2023: €2.77M
2024: €2.57M
2018 → 2025
Net result
€73k▼ 53.6%
2024 · €158k
2018: €-10k
2019: €64k
2020: €61k
2021: €76k
2022: €83k
2023: €84k
2024: €158k
2018 → 2025
Working capital
€-1.24M▼ 5.5%
2024 · €-1.18M
2018: €-1.10M
2019: €-1.37M
2020: €-1.53M
2021: €-1.12M
2022: €-1.21M
2023: €-1.57M
2024: €-1.18M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€264k-€347k▲ 31.2%€442k▲ 27.4%€600k▲ 35.8%€673k▲ 12.2%
Operating result€129k-€136k▲ 5.1%€130k▼ 4.4%€229k▲ 76.7%€109k▼ 52.4%
Net result€76k-€83k▲ 8.1%€84k▲ 1.9%€158k▲ 88.1%€73k▼ 53.6%
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 2025; 2025 is 52% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.52M
Fixed assets
€2.15M▲ 1.6%
Current assets
€377k▼ 18.1%
Equity and liabilities €2.52M
Equity
€673k▲ 12.2%
Debt
€1.85M▼ 6.2%
The debt ratio falls from 76.7% to 73.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€247k▼
2024 · €357k
Cash flow
€211k▼
2024 · €285k
Solvency
26.7%▲
2024 · 23.3%
Current ratio
0.23▼
2024 · 0.28
Quick ratio
0.23▼
2024 · 0.28
Debt / equity
2.75▼
2024 · 3.29
ROE
10.9%▼
2024 · 26.4%
ROA
2.9%▼
2024 · 6.1%
Interest coverage
26.77▲
2024 · 20.84
Debt
€1.85M▼
2024 · €1.97M
Debt ≤ 1 year
€1.62M▼
2024 · €1.64M
Debt > 1 year
€232k▼
2024 · €337k
Income taxes
€27k▼
2024 · €54k
Staff costs
€54k▲
2024 · €33k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.57M€2.52M▼
Fixed assets21/28€2.11M€2.15M▲
Tangible fixed assets22/27€2.11M€2.15M▲
Land and buildings22€2.11M€2.12M▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€484€21k▲
Financial fixed assets28€355€355=
Current assets29/58€460k€377k▼
Amounts receivable within one year40/41€396k€331k▼
Other amounts receivable41€396k€331k▼
Cash at bank and in hand54/58€21k€11k▼
Deferred charges and accrued income490/1€43k€34k▼
Equity and liabilities
Total equity and liabilities10/49€2.57M€2.52M▼
Equity10/15€600k€673k▲
Contributions10/11€68k€68k=
Outside capital11€68k€68k=
Other1109/19€68k€68k=
Profit (loss) carried forward14€532k€605k▲
Amounts payable17/49€1.97M€1.85M▼
Amounts payable after more than one year17€337k€232k▼
Financial debts170/4€337k€232k▼
Amounts payable within one year42/48€1.64M€1.62M▼
Current portion of amounts payable after more than one year42€125k€104k▼
Trade debts44€38k€11k▼
Suppliers440/4€38k€11k▼
Taxes, remuneration and social security45€4k€12k▲
Taxes450/3€1k€825▼
Remuneration and social security454/9€3k€11k▲
Other amounts payable47/48€1.47M€1.49M▲
Income statement
Code20242025
Non-recurring operating income76A€31k-
Remuneration, social security and pensions62€33k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€127k€137k▲
Other operating charges640/8€47k€41k▼
Gross operating margin9900€436k€341k▼
Operating profit (loss)9901€229k€109k▼
Financial income75/76B€0€391▲
Recurring financial income75€0€391▲
Financial charges65/66B€17k€9k▼
Recurring financial charges65€17k€9k▼
Profit (loss) for the period before taxes9903€212k€100k▼
Income taxes67/77€54k€27k▼
Profit (loss) for the period9904€158k€73k▼
Profit (loss) for the period to be appropriated9905€158k€73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€532k€605k▲
Profit (loss) brought forward from the previous period14P€374k€532k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €158k ▲88.1%
Operating result €229k, net result €158k, both a record.
31-12
Financial
Equity above €500kEq €600k ▲35.8%
6 profitable years in a row build equity to €600k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
01-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 32 days late
2021
31-12
Financial
Equity above €200kEq €264k ▲40.6%
3 profitable years in a row build equity to €264k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €188k ▲54.6%
2 profitable years in a row build equity to €188k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Back to profitnet €64k
Net result €64k after one loss-making year.
31-12
Financial
Equity above €100kEq €122k ▲70.5%
Equity rises from €71k to €122k.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
13-02-2026
MIDRÉ Carine: Resigned as Director
13-02-2026
WERTZ Jean-Luc: Resigned as Director
03-10-2024
WERTZ Jean-Luc: Resigned as Director
29-01-2024
S.M.B.E.: Resigned as Director
29-01-2024
WERTZ Sarah: Resigned as Director
03-08-2022
MIDRÉ Carine: Resigned as Director
Location & real-estate footprint
Registered office, Remicourt · 1 establishment unit since 1989
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Nouvelle Percée(REM) 134350 RemicourtGround area
1,236 m²
Building footprint
196 m²
Volume, LiDAR
1,558 m³
2 parcels, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Concorde 45, 4032 Liège
since 19892.044.873.925
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64063A0169/00B003 | Wallonia | 892 m² | 1 · 117 m² | 10.9 m · 3 fl. |
| 62023A0051/00H024 | Wallonia | 344 m² | 1 · 79 m² | 7.2 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.
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VANDESTRAETE ENTREPRISE
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GOVU
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SERVAN
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Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 5,000 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-1988
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.