CONCREBO
ActiveCONCREBO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €123k and a net result of €47k. Equity is growing by ~62.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 14038 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-11
Solvency68▼-23
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.77 against 2.8 in 2024; short-term debt: 55.5% and cash: 9.6% of total assets), but 56.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
43.4%
Return on assets
16.6%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
25 d early
2024
13 d early
2023
14 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€123k▲ 61.7%
2024 · €76k
2023: €28k
2024: €76k
2023 → 2025
Total assets
€283k▲ 147%
2024 · €115k
2023: €59k
2024: €115k
2023 → 2025
Net result
€47k▼ 1.5%
2024 · €48k
2023: €23k
2024: €48k
2023 → 2025
Working capital
€120k▲ 73.0%
2024 · €70k
2023: €25k
2024: €70k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€28k-€76k▲ 168%€123k▲ 61.7%
Operating result€32k-€63k▲ 98.9%€63k▲ 0.2%
Net result€23k-€48k▲ 103%€47k▼ 1.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 0% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €283k
Fixed assets
€6k▼ 12.8%
Current assets
€277k▲ 156%
Equity and liabilities €283k
Equity
€123k▲ 61.7%
Debt
€160k▲ 315%
The debt ratio rises from 33.7% to 56.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€66k▲
2024 · €65k
Cash flow
€50k▲
2024 · €49k
Solvency
43.4%▼
2024 · 66.3%
Current ratio
1.77▼
2024 · 2.80
Quick ratio
0.63▼
2024 · 2.80
Debt / equity
1.30▲
2024 · 0.51
ROE
38.2%▼
2024 · 62.6%
ROA
16.6%▼
2024 · 41.5%
Interest coverage
12.25▼
2024 · 19.85
Debt
€160k▲
2024 · €39k
Debt ≤ 1 year
€157k▲
2024 · €39k
Income taxes
€12k▼
2024 · €13k
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€115k€283k▲
Fixed assets21/28€6k€6k▼
Tangible fixed assets22/27€6k€6k▼
Plant, machinery and equipment23€1k€3k▲
Furniture and vehicles24€5k€2k▼
Current assets29/58€108k€277k▲
Stocks and contracts in progress3-€179k
Stocks30/36-€179k
Amounts receivable within one year40/41€3k€15k▲
Trade receivables40€3k€15k▲
Other amounts receivable41€48€48=
Current investments50/53€26k€49k▲
Cash at bank and in hand54/58€75k€27k▼
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€115k€283k▲
Equity10/15€76k€123k▲
Contributions10/11€5k€5k=
Reserves13€71k€118k▲
Distributable reserves133€71k€118k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€39k€160k▲
Amounts payable within one year42/48€39k€157k▲
Trade debts44€5k€26k▲
Suppliers440/4€5k€26k▲
Advances received on contracts in progress46-€13k
Taxes, remuneration and social security45€20k€33k▲
Taxes450/3€20k€33k▲
Other amounts payable47/48€14k€85k▲
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€821€1k▲
Gross operating margin9900€66k€67k▲
Operating profit (loss)9901€63k€63k▲
Financial income75/76B€272€1k▲
Recurring financial income75€272€1k▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€60k€59k▼
Income taxes67/77€13k€12k▼
Profit (loss) for the period9904€48k€47k▼
Profit (loss) for the period to be appropriated9905€48k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€71k€47k▼
Profit (loss) brought forward from the previous period14P€23k€0▼
Transfer to equity691/2€71k€47k▼
To other reserves6921€71k€47k▼
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €123k ▲61.7%
3 profitable years in a row build equity to €123k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €48k ▲103%
Net result €48k, the highest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Gillis-Waas · 1 establishment unit since 2023
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.
Sint-Niklaasstraat(SGW) 1549170 Sint-Gillis-WaasGround area
1,277 m²
Building footprint
133 m²
Volume, LiDAR
656 m³
Parcel 46020E0628/00Y000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CONCREBO
since 20232.345.316.676
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46020E0628/00Y000 | Flanders | 1,277 m² | 1 · 132 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 1,134 EUR awarded · 1,134 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,037 EUR | 1,037 EUR |
| 2023 | 1 | 97 EUR | 97 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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BRUBO
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BEVASI INVEST
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Of 9,695 companies in sector 68121 we hold annual accounts for 7,381. 5,342 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-2023
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.