CONCREET BOUWEN
ActiveCONCREET BOUWEN has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €224k and a net result of €80k. Its solvency ranks better than 93% of 13977 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 11.14 against 4.26 in 2024; short-term debt: 7.8% and cash: 70.3% of total assets), and 7.8% 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
92.2%
Return on assets
32.9%
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 26-05-2026, 66 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
66 d early
2024
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€224k▲ 51.8%
2024 · €147k
2024: €147k
2024 → 2025
Total assets
€243k▲ 34.4%
2024 · €181k
2024: €181k
2024 → 2025
Net result
€80k▲ 1.4%
2024 · €79k
2024: €79k
2024 → 2025
Working capital
€193k▲ 77.9%
2024 · €109k
2024: €109k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€147k-€224k▲ 51.8%
Operating result€100k-€101k▲ 1.3%
Net result€79k-€80k▲ 1.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €243k
Fixed assets
€31k▼ 21.1%
Current assets
€212k▲ 49.6%
Equity and liabilities €243k
Equity
€224k▲ 51.8%
Debt
€19k▼ 42.8%
The debt ratio falls from 18.4% to 7.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€114k▲
2024 · €113k
Cash flow
€93k▲
2024 · €92k
Solvency
92.2%▲
2024 · 81.6%
Current ratio
11.14▲
2024 · 4.26
Quick ratio
10.95▲
2024 · 4.15
Debt / equity
0.09▼
2024 · 0.23
ROE
35.6%▼
2024 · 53.4%
ROA
32.9%▼
2024 · 43.6%
Interest coverage
2798.49▼
2024 · 2886.52
Debt
€19k▼
2024 · €33k
Debt ≤ 1 year
€19k▼
2024 · €33k
Income taxes
€21k▲
2024 · €21k
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€181k€243k▲
Fixed assets21/28€39k€31k▼
Tangible fixed assets22/27€39k€31k▼
Furniture and vehicles24€39k€26k▼
Other tangible fixed assets26-€4k
Current assets29/58€142k€212k▲
Stocks and contracts in progress3€4k€4k=
Stocks30/36€4k€4k=
Amounts receivable within one year40/41€13k€36k▲
Trade receivables40€13k€34k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€124k€171k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€181k€243k▲
Equity10/15€147k€224k▲
Contributions10/11€2k€2k=
Reserves13€145k€222k▲
Distributable reserves133€145k€222k▲
Amounts payable17/49€33k€19k▼
Amounts payable within one year42/48€33k€19k▼
Trade debts44€1k€7k▲
Suppliers440/4€1k€7k▲
Taxes, remuneration and social security45€31k€10k▼
Taxes450/3€29k€9k▼
Remuneration and social security454/9€2k€1k▼
Other amounts payable47/48€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€460€878▲
Gross operating margin9900€113k€115k▲
Operating profit (loss)9901€100k€101k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€39€41▲
Recurring financial charges65€39€41▲
Profit (loss) for the period before taxes9903€100k€101k▲
Income taxes67/77€21k€21k▲
Profit (loss) for the period9904€79k€80k▲
Profit (loss) for the period to be appropriated9905€79k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€79k€80k▲
Transfer from equity791/2-€2k
Transfer to equity691/2€79k€78k▼
To the legal reserve6920-€78k
To other reserves6921€79k-
Profit to be distributed694/7-€3k
Return on contributions (dividend)694-€3k
The notes to these accounts (5 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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 11.14
Current ratio from 4.26 to 11.14; short-term debt falls from €33k to €19k.
31-12
Financial
Equity above €200kEq €224k ▲51.8%
2 profitable years in a row build equity to €224k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · 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, Moorslede · 1 establishment unit since 2022
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.
Sparrestraat 98890 MoorsledeGround area
1,023 m²
Building footprint
200 m²
Volume, LiDAR
1,044 m³
Parcel 36012F0234/00M000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CONCREET
since 20222.327.353.563
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36012F0234/00M000 | Flanders | 1,022 m² | 1 · 200 m² | 6.5 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.
Similar companies · same sector, comparable size
QG ENGINEERING
BE 0634.669.317
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Bouwteam-BWTM
BE 0663.595.905
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IMMO VANGENEUGDEN
BE 0433.213.579
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THEMA IMMO
BE 0863.246.550
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CRONOTOPE
BE 0866.698.958
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Of 9,697 companies in sector 68121 we hold annual accounts for 7,381. 5,293 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2022
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.