Active BE 1002.159.161Private limited company

Concreeto

Prosper De Troyerlaan 8 ·9070 Destelbergen, Belgium· 2 yrs active

Sector: Computer programming (62100)

Conclusion Checked

Concreeto has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €98k and a net result of €54k. Its solvency ranks better than 94% of 2768 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€98k
Net result	€54k
Better than sector	94%
Active	2 yrs

Financial profile 5 of 5 axes measured · computed by Checked

92 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 100

Growth 78

Stability 82

Bankruptcy probability (12 mo) Checked model v1 · free

0.4% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Young company

Founded in 2023, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 29-04-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 62, Computer programming, consultancy and related activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	92.8%	62.1%	better than 94% of 2768 sector peers
Net result	€54k	€39k	better than 66% of 2770 sector peers
Equity	€98k	€62k	better than 66% of 2769 sector peers
Gross operating margin	€74k	€62k	better than 60% of 2770 sector peers
Total assets	€105k	€121k	better than 43% of 2770 sector peers

EBITDA

€73k

+38.6% 24-25

Net profit

€54k

+34.3% 24-25

Cash flow

€58k

+39.4% 24-25

Total assets

€105k

+46.4% 24-25

Equity

€98k

+126.5% 24-25

Working capital

€84k

+131.7% 24-25

Income taxes

€15k

+35.5% 24-25

Debt

€8k

-73.7% 24-25

Debt ≤ 1y

€8k

-73.7% 24-25

Current ratio

12.09

+435.1% 24-25

Quick ratio

12.09

+435.1% 24-25

Solvency

92.8%

+54.7% 24-25

Debt / equity

0.08

-88.4% 24-25

ROE

55.8%

-40.7% 24-25

ROA

51.8%

-8.3% 24-25

Interest coverage

717.57

-21.3% 24-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro schema
Revenue	-
EBITDA	€73k
Net profit	€54k
Cash flow	€58k
Staff costs	-
Income taxes	€15k
Dividends	-
Total assets	€105k
Equity	€98k
Debt	€8k
of which ≤ 1y	€8k
of which > 1y	-
Working capital	€84k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	12.09
Quick ratio	12.09
Working capital ratio	79.8%
Solvency	92.8%
Debt / equity	0.08
Long-term debt ratio	-
Interest coverage	717.57
Gross margin	-
Net margin	-
ROA	51.8%
ROE	55.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Balance-sheet composition 2025

Assets

Fixed assets €14k · 13.0% Current assets €92k · 87.0%

Equity & liabilities

Equity €98k · 92.8% Debt €8k · 7.2%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€105k
Fixed assets	21/28	€14k
Tangible fixed assets	22/27	€14k
Current assets	29/58	€92k
Amounts receivable within one year	40/41	€19k
Cash & bank	54/58	€72k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€105k
Equity	10/15	€98k
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€95k
Amounts payable	17/49	€8k
Amounts payable within one year	42/48	€8k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€74k
Operating result	9901	€70k
Financial income	75	€6
Financial charges	65	€102
Result before taxes	9903	€69k
Income taxes	67/77	€15k
Net result for the period	9904	€54k
Result to be appropriated	9905	€54k

Legal Structure

NACE primary	Computer programming(62100)
Legal form	Private limited company(610)
Incorporation	10-11-2023
Status	Active
Postal code	9070

Establishment units 1 location

Concreeto

Prosper De Troyerlaan 8, 9070 DestelbergenComputer programming, consultancy and related activities

since 20232.351.799.048

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44013A0143/00A000	Flanders	825 m²	1 · 154 m²	5.8 m · 1 fl.

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.

Updates 2 events

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 30-04-2027

2026

29-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Liquidity times 5current ratio 12.09

Current ratio from 2.26 to 12.09; short-term debt falls from €29k to €8k.

26-04

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.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Computer programming, consultancy and related activities62010Computer programming62100IT consultancy62020Other information technology and computer services62900Computer consultancy and computer facilities management62200Computing infrastructure, data processing, hosting and related activities63100Computing infrastructure, data processing, hosting and other information service activities63110Computing infrastructure, data processing, hosting and other information service activities63120Web portal activities63910Other information service activities63920Computing infrastructure, data processing, hosting and other information service activities63990

Names & trade names

Legal nameNL

Concreeto

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