CONCREET
ActiveCONCREET has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €112k and a net result of €20k. Equity is growing by ~29.1% per year across the filed fiscal years. Its solvency ranks better than 66% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+3
Solvency84▼-13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 2.71 in 2024; short-term debt: 25.9% and cash: 51.5% of total assets), and 41.1% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
58.9%
Return on assets
10.5%
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 23-03-2026, 130 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
130 d early
2024
160 d early
2023
50 d early
2022
24 d early
2021
27 d early
2020
32 d early
2019
31 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€112k▲ 21.8%
2024 · €92k
2018: €20k
2019: €23k
2020: €30k
2021: €34k
2022: €66k
2023: €82k
2024: €92k
2018 → 2025
Total assets
€191k▲ 48.2%
2024 · €129k
2018: €66k
2019: €61k
2020: €76k
2021: €85k
2022: €119k
2023: €143k
2024: €129k
2018 → 2025
Net result
€20k▲ 98.2%
2024 · €10k
2018: €-39k
2019: €3k
2020: €7k
2021: €14k
2022: €32k
2023: €18k
2024: €10k
2018 → 2025
Working capital
€54k▼ 10.2%
2024 · €60k
2018: €9k
2019: €13k
2020: €14k
2021: €13k
2022: €39k
2023: €53k
2024: €60k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€66k▲ 93.2%€82k▲ 25.2%€92k▲ 12.3%€112k▲ 21.8%
Operating result€15k-€40k▲ 162%€25k▼ 38.2%€15k▼ 40.7%€28k▲ 92.6%
Net result€14k-€32k▲ 120%€18k▼ 44.6%€10k▼ 42.2%€20k▲ 98.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 93% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €191k
Fixed assets
€87k▲ 160%
Current assets
€103k▲ 8.6%
Equity and liabilities €191k
Equity
€112k▲ 21.8%
Debt
€78k▲ 115%
The debt ratio rises from 28.4% to 41.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€40k▲
2024 · €22k
Cash flow
€32k▲
2024 · €17k
Solvency
58.9%▼
2024 · 71.6%
Current ratio
2.09▼
2024 · 2.71
Quick ratio
2.09▼
2024 · 2.71
Debt / equity
0.70▲
2024 · 0.40
ROE
17.9%▲
2024 · 11.0%
ROA
10.5%▲
2024 · 7.9%
Interest coverage
26.76▼
2024 · 55.74
Debt
€78k▲
2024 · €37k
Debt ≤ 1 year
€49k▲
2024 · €35k
Debt > 1 year
€29k▲
2024 · €1k
Income taxes
€7k▲
2024 · €4k
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€129k€191k▲
Fixed assets21/28€34k€87k▲
Tangible fixed assets22/27€34k€87k▲
Land and buildings22€24k€22k▼
Plant, machinery and equipment23€6k€64k▲
Furniture and vehicles24€3k€2k▼
Current assets29/58€95k€103k▲
Amounts receivable within one year40/41€6k€3k▼
Trade receivables40€5k-
Other amounts receivable41€936€3k▲
Cash at bank and in hand54/58€88k€98k▲
Deferred charges and accrued income490/1€748€2k▲
Equity and liabilities
Total equity and liabilities10/49€129k€191k▲
Equity10/15€92k€112k▲
Contributions10/11€12k€12k=
Reserves13€80k€100k▲
Distributable reserves133€80k€100k▲
Amounts payable17/49€37k€78k▲
Amounts payable after more than one year17€1k€29k▲
Financial debts170/4€1k€29k▲
Amounts payable within one year42/48€35k€49k▲
Current portion of amounts payable after more than one year42€6k€10k▲
Trade debts44€8k€17k▲
Suppliers440/4€8k€17k▲
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€19k€19k▲
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€12k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€23-
Gross operating margin9900€24k€41k▲
Operating profit (loss)9901€15k€28k▲
Financial income75/76B€36-
Recurring financial income75€36-
Financial charges65/66B€390€1k▲
Recurring financial charges65€390€1k▲
Profit (loss) for the period before taxes9903€14k€27k▲
Income taxes67/77€4k€7k▲
Profit (loss) for the period9904€10k€20k▲
Profit (loss) for the period to be appropriated9905€10k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€20k▲
Transfer to equity691/2€10k€20k▲
To other reserves6921€10k€20k▲
The notes to these accounts (8 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €112k ▲21.8%
7 profitable years in a row build equity to €112k.
21-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €32k ▲120%
Operating result €40k, net result €32k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
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
2 acts for this company are 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, Begijnendijk · 1 establishment unit since 2008
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.
Hulstsestraat 613130 BegijnendijkGround area
1,416 m²
Building footprint
247 m²
Volume, LiDAR
1,061 m³
Parcel 24010A0435/00L000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hulstsestraat 61, 3130 Begijnendijk
since 20082.174.869.860
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24010A0435/00L000 | Flanders | 1,416 m² | 1 · 247 m² | 9.3 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
2024 · 1 entry · 95 EUR awarded · 95 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 95 EUR | 95 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Oostrozebeke · Eq €112k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,041 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-11-2008
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
42110Construction of roads and motorways
43320Joinery installation
43990Other specialised construction activities
43995Specialised construction activities
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.