CONCREMA
ActiveCONCREMA has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €244k and a net result of €103k. Equity is growing by ~66.8% per year across the filed fiscal years. Its solvency ranks better than 26% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
76
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency45▲+17
Growth78=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.31 in 2024), and 75.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
24.4%
Return on assets
10.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€244k▲ 72.5%
2024 · €142k
2023: €55k
2024: €142k
2023 → 2025
Total assets
€1.00M▲ 9.8%
2024 · €912k
2023: €95k
2024: €912k
2023 → 2025
Net result
€103k▲ 18.6%
2024 · €87k
2023: €49k
2024: €87k
2023 → 2025
Working capital
€73k▲ 92.8%
2024 · €38k
2023: €56k
2024: €38k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€55k-€142k▲ 158%€244k▲ 72.5%
Operating result€62k-€132k▲ 113%€153k▲ 15.8%
Net result€49k-€87k▲ 76.8%€103k▲ 18.6%
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 16% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.00M
Fixed assets
€751k=
Current assets
€250k▲ 55.6%
Equity and liabilities €1.00M
Equity
€244k▲ 72.5%
Debt
€757k▼ 1.8%
The debt ratio falls from 84.5% to 75.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€153k▲
2024 · €132k
Cash flow
€103k▲
2024 · €87k
Solvency
24.4%▲
2024 · 15.5%
Current ratio
1.41▲
2024 · 1.31
Quick ratio
1.41▲
2024 · 1.31
Debt / equity
3.09▼
2024 · 5.44
ROE
42.0%▼
2024 · 61.2%
ROA
10.3%▲
2024 · 9.5%
Interest coverage
10.09▲
2024 · 9.03
Debt
€757k▼
2024 · €770k
Debt ≤ 1 year
€177k▲
2024 · €123k
Debt > 1 year
€579k▼
2024 · €647k
Income taxes
€36k▲
2024 · €31k
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€912k€1.00M▲
Fixed assets21/28€751k€751k=
Tangible fixed assets22/27€910€578▼
Furniture and vehicles24€910€578▼
Financial fixed assets28€750k€750k=
Current assets29/58€161k€250k▲
Amounts receivable within one year40/41€13k€234k▲
Trade receivables40€13k€70k▲
Other amounts receivable41€0€164k▲
Cash at bank and in hand54/58€148k€17k▼
Equity and liabilities
Total equity and liabilities10/49€912k€1.00M▲
Equity10/15€142k€244k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€136k€238k▲
Amounts payable17/49€770k€757k▼
Amounts payable after more than one year17€647k€579k▼
Financial debts170/4€647k€579k▼
Amounts payable within one year42/48€123k€177k▲
Current portion of amounts payable after more than one year42€66k€68k▲
Trade debts44€768€21k▲
Suppliers440/4€768€21k▲
Taxes, remuneration and social security45€55k€89k▲
Taxes450/3€53k€86k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€2k€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€72€331▲
Other operating charges640/8€869€385▼
Gross operating margin9900€133k€154k▲
Operating profit (loss)9901€132k€153k▲
Financial income75/76B€0€951▲
Recurring financial income75€0€951▲
Financial charges65/66B€15k€15k▲
Recurring financial charges65€15k€15k▲
Profit (loss) for the period before taxes9903€118k€139k▲
Income taxes67/77€31k€36k▲
Profit (loss) for the period9904€87k€103k▲
Profit (loss) for the period to be appropriated9905€87k€103k▲
Appropriation of the result
Profit (loss) to be appropriated9906€136k€238k▲
Profit (loss) brought forward from the previous period14P€49k€136k▲
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2023net €103k ▲18.6%
Operating result €153k, net result €103k, both a record.
31-12
Financial
Equity above €200kEq €244k ▲72.5%
3 profitable years in a row build equity to €244k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €100kEq €142k ▲158%
2 profitable years in a row build equity to €142k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
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, Moorslede · 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.
Nertsenstraat 48890 MoorsledeGround area
5,537 m²
Building footprint
401 m²
Volume, LiDAR
2,127 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CONCREMA
since 20232.346.189.973
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36012D0723/00E000 | Flanders | 3,551 m² | 1 · 304 m² | 9.2 m · 2 fl. |
| 36012C0734/00E000 | Flanders | 1,985 m² | 1 · 97 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 38,877 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.