CONCRESCO
ActiveCONCRESCO has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €227k and a net result of €-28k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 23% of 7446 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability37▼-33
Solvency47▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.45 in 2023; short-term debt: 34% and cash: 5.5% of total assets), and 77.7% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
22.3%
Return on assets
-2.8%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 7446 sector peers (2024).
NBB · sector comparisonPosition among 7446 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
2 d early
2023
7 d early
2022
13 d early
2021
37 d early
2020
8 d early
2019
8 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€227k▼ 11.1%
2023 · €256k
2018: €212k
2019: €253k
2020: €254k
2021: €257k
2022: €248k
2023: €256k
2018 → 2024
Total assets
€1.02M▼ 5.7%
2023 · €1.08M
2018: €600k
2019: €1.23M
2020: €1.31M
2021: €1.24M
2022: €1.09M
2023: €1.08M
2018 → 2024
Net result
€-28k
2023 · €8k
2018: €14k
2019: €41k
2020: €1k
2021: €3k
2022: €-9k
2023: €8k
2018 → 2024
Working capital
€113k▼ 24.6%
2023 · €150k
2018: €113k
2019: €170k
2020: €146k
2021: €143k
2022: €139k
2023: €150k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€254k-€257k▲ 1.0%€248k▼ 3.5%€256k▲ 3.2%€227k▼ 11.1%
Operating result€12k-€18k▲ 47.9%€2k▼ 90.4%€23k▲ 1,259%€-20k
Net result€1k-€3k▲ 162%€-9k€8k€-28k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €20k after €23k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.02M
Fixed assets
€558k▼ 6.0%
Current assets
€459k▼ 5.3%
Equity and liabilities €1.02M
Equity
€227k▼ 11.1%
Debt
€790k▼ 4.0%
The debt ratio rises from 76.3% to 77.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€26k▼
2023 · €68k
Cash flow
€17k▼
2023 · €53k
Solvency
22.3%▼
2023 · 23.7%
Current ratio
1.33▼
2023 · 1.45
Quick ratio
1.05▼
2023 · 1.15
Debt / equity
3.48▲
2023 · 3.22
ROE
-12.5%▼
2023 · 3.1%
ROA
-2.8%▼
2023 · 0.7%
Interest coverage
2.63▼
2023 · 6.88
Debt
€790k▼
2023 · €823k
Debt ≤ 1 year
€347k▲
2023 · €335k
Debt > 1 year
€441k▼
2023 · €488k
Income taxes
€68▼
2023 · €5k
Staff costs
€348k▼
2023 · €359k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.08M€1.02M▼
Fixed assets21/28€594k€558k▼
Tangible fixed assets22/27€594k€558k▼
Land and buildings22€574k€537k▼
Plant, machinery and equipment23€14k€17k▲
Furniture and vehicles24€6k€5k▼
Current assets29/58€485k€459k▼
Stocks and contracts in progress3€100k€96k▼
Stocks30/36€57k€55k▼
Contracts in progress37€43k€41k▼
Amounts receivable within one year40/41€261k€302k▲
Trade receivables40€237k€237k▼
Other amounts receivable41€24k€66k▲
Cash at bank and in hand54/58€120k€56k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.08M€1.02M▼
Equity10/15€256k€227k▼
Contributions10/11€19k€19k=
Reserves13€237k€209k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€235k€207k▼
Amounts payable17/49€823k€790k▼
Amounts payable after more than one year17€488k€441k▼
Financial debts170/4€488k€441k▼
Amounts payable within one year42/48€335k€347k▲
Current portion of amounts payable after more than one year42€46k€46k▼
Trade debts44€271k€285k▲
Suppliers440/4€271k€285k▲
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€16k€15k▼
Taxes450/3€442-
Remuneration and social security454/9€15k€15k=
Other amounts payable47/48€553-
Accrued charges and deferred income492/3€52€3k▲
Income statement
Code20232024
Non-recurring operating income76A€1k-
Remuneration, social security and pensions62€359k€348k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€46k▲
Other operating charges640/8€10k€26k▲
Gross operating margin9900€437k€400k▼
Operating profit (loss)9901€23k€-20k▼
Financial income75/76B€215€1k▲
Recurring financial income75€215€1k▲
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€13k€-28k▼
Income taxes67/77€5k€68▼
Profit (loss) for the period9904€8k€-28k▼
Profit (loss) for the period to be appropriated9905€8k€-28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-28k▼
Transfer from equity791/2-€28k
Transfer to equity691/2€8k-
To other reserves6921€8k-
Social balance
Average headcount (FTE)90875.54.8▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-28k ▼460%
Net result drops to €-28k, the lowest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €41k ▲187%
Operating result €56k, net result €41k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
27-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hamme (Vl.) · 1 establishment unit since 1999
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.
Dendermondse Steenweg 179220 Hamme (Vl.)Ground area
3,587 m²
Building footprint
823 m²
Volume, LiDAR
4,691 m³
Parcel 42452C0486/00S000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dendermondse Steenweg 17, 9220 Hamme (Vl.)
since 19992.090.510.940
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452C0486/00S000 | Flanders | 3,587 m² | 1 · 823 m² | 6.7 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
CRISER
BE 0636.789.756
Willebroek · Eq €227k
AS INVEST
BE 0727.494.456
Mouscron · Eq €228k
B' eau Pools
BE 0836.412.489
Hamme (Vl.) · Eq €227k
B.W.O.
BE 0884.863.296
Geel · Eq €228k
DEMET
BE 0880.812.557
Antwerpen · Eq €227k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,701 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-02-1999
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.