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CONCREAT

Active
Private limited companyfounded 199828 yrs activeElisabethlaan 105, 2600 Antwerpen, BelgiumKBO/BCE: BE 0463.919.326
Summary

CONCREAT has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €125,966 and a net result of -€31,083. Equity is shrinking by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 11616 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
CONCREATActiveChecked score 92/100
Risk analysis ReportCompare

Overview

Activity
Urban planning and landscape architecture
NACE 71113
1 site
Size
€134,172total assets 2024
Equity
€125,966
Loss
-€31,083
Turnover not published (abridged schema)
Financial health
92 Excellent Checked score 2024
Bankruptcy chance 12 m
0.1%
Structure
Accounts 65 d overdue0 of 3 deeds read
Why 92- Figures for FY 2024 (filed 11-06-2025)- Loss of €31,083, the second in a row (FY 2024)+ Liquidity: current ratio 15.41, cash €61,143, halved+ Sector Architectural and engineering activities; technical testing and analysis (NACE 71)Show the evidence

Checked score

Score 2024
92 / 100
Excellent
Probability in this band: under 0.55%
Better than 52% of its sector peers (NACE 71, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Strong
Solvency 100=
equity 93.9% of total assets
Liquidity 100+5
short-term debt 6.1% · cash 45.6%
Profitability 0=
return on assets -23.2%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (14,689 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%▼ -7.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%▼ -2.5% vs 03-2025lowest value 05-2025: < 0.1%● 0.0% vs 04-2025lowest value 06-2025: < 0.1%▲ +2.6% vs 05-2025 07-2025: < 0.1%▲ +20.0% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%▼ -2.1% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▲ +2.1% vs 03-2026 05-2026: < 0.1%▲ +2.1% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: 0.1%▲ +8.2% vs 06-2026 08-2026: 0.1%▲ +71.7% vs 07-2026 09-2026: 0.1%▲ +1.1% vs 08-2026 10-2026: 0.1%▲ +46.7% vs 09-2026highest value
  • Liquidity: current ratio 15.41, cash €61,143, halved lowers the probability
  • Sector Architectural and engineering activities; technical testing and analysis (NACE 71) lowers the probability
  • Figures for FY 2024 (filed 11-06-2025) raises the probability
  • Loss of €31,083, the second in a row (FY 2024) raises the probability
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 15.41 against 5.14 in 2023; short-term debt: 6.1% and cash: 45.6% of total assets), and 6.1% 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 71, micro). Better than this share of them on solvency 87%, liquidity 97%, profitability 4%, growth against the median 21%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 15.41, cash €61,143, halved
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Architectural and engineering activities; technical testing and analysis (NACE 71)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Figures for FY 2024 (filed 11-06-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Loss of €31,083, the second in a row (FY 2024)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024
Net result per financial year
18192021222324
2018 to 2024 · latest year -€31,083
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 10-06-2025, 51 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
51 d early
2023
56 d early
2022
59 d early
2021
59 d early
2020
37 d early
2019
17 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 41 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 34% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · micro…
  2. Liquidity triplescurrent ratio 15.41
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Caution: Among the weakest 5% on net resultsector median €15,478 · 11,622 companies -€31,083 View
  • Caution: Accounts not fileddeadline was 31-07-2026 65 d late View
  • Caution: 2 loss-making years in a rowloss fiscal year 2024 -€31,083 View

By topic

Financials

Fiscal year
2024
Total assets
€134,172
Loss
-€31,083
Solvency
93.9%
Total assets▼ 30.3%
Net result
20182024
Go to Financials

Timeline

Events
15
Since
2016
  1. 10-06-2025Annual accounts filed
  2. 31-12-2024Liquidity triples
  3. 05-06-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Urban planning and landscape architectureNACE 71113
Founded
06-08-1998
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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