ConcreTim
ActiveConcreTim has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €198k and a net result of €54k. Equity is growing by ~44.4% per year across the filed fiscal years. Its solvency ranks better than 49% of 953 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-1
Solvency75▲+11
Growth78=
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 4.03 against 2.85 in 2024; short-term debt: 10.1% and cash: 21.6% of total assets), and 50% 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 · 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
50%
Return on assets
13.7%
Age of the figures
15 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 18
Relative position
BE, all sectors
reference
Sector 18
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
40 d early
2024
27 d early
2023
33 d early
2022
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€198k▲ 37.8%
2024 · €144k
2022: €48k
2023: €90k
2024: €144k
2022 → 2025
Total assets
€396k▲ 7.3%
2024 · €369k
2022: €309k
2023: €336k
2024: €369k
2022 → 2025
Net result
€54k▲ 1.0%
2024 · €54k
2022: €43k
2023: €42k
2024: €54k
2022 → 2025
Working capital
€122k▲ 40.3%
2024 · €87k
2022: €20k
2023: €46k
2024: €87k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€48k-€90k▲ 87.3%€144k▲ 59.9%€198k▲ 37.8%
Operating result€58k-€58k▲ 0.3%€70k▲ 20.9%€74k▲ 5.0%
Net result€43k-€42k▼ 2.6%€54k▲ 28.5%€54k▲ 1.0%
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 three years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €396k
Fixed assets
€235k▼ 0.4%
Current assets
€162k▲ 21.1%
Equity and liabilities €396k
Equity
€198k▲ 37.8%
Debt
€198k▼ 12.1%
The debt ratio falls from 61.0% to 50.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€92k▲
2024 · €86k
Cash flow
€73k▲
2024 · €70k
Solvency
50.0%▲
2024 · 39.0%
Current ratio
4.03▲
2024 · 2.85
Quick ratio
4.03▲
2024 · 2.85
Debt / equity
1.00▼
2024 · 1.57
ROE
27.4%▼
2024 · 37.4%
ROA
13.7%▼
2024 · 14.6%
Interest coverage
17.72▲
2024 · 16.12
Debt
€198k▼
2024 · €225k
Debt ≤ 1 year
€40k▼
2024 · €47k
Debt > 1 year
€158k▼
2024 · €178k
Income taxes
€14k▲
2024 · €14k
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€369k€396k▲
Fixed assets21/28€236k€235k▼
Intangible fixed assets21-€6k
Tangible fixed assets22/27€236k€229k▼
Land and buildings22€213k€208k▼
Plant, machinery and equipment23€1k€8k▲
Furniture and vehicles24€5k€5k▲
Leasing and similar rights25€16k€7k▼
Current assets29/58€134k€162k▲
Amounts receivable within one year40/41€72k€73k▲
Trade receivables40€17k€18k▲
Other amounts receivable41€55k€55k▲
Cash at bank and in hand54/58€60k€86k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€369k€396k▲
Equity10/15€144k€198k▲
Contributions10/11€5k€5k=
Reserves13€139k€193k▲
Distributable reserves133€139k€193k▲
Amounts payable17/49€225k€198k▼
Amounts payable after more than one year17€178k€158k▼
Financial debts170/4€178k€158k▼
Amounts payable within one year42/48€47k€40k▼
Current portion of amounts payable after more than one year42€22k€20k▼
Trade debts44€151€3k▲
Suppliers440/4€151€3k▲
Taxes, remuneration and social security45€16k€2k▼
Taxes450/3€16k€2k▼
Other amounts payable47/48€9k€15k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€18k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€87k€94k▲
Operating profit (loss)9901€70k€74k▲
Financial income75/76B€3k€0▼
Recurring financial income75€3k€0▼
Non-recurring financial income76B€3k-
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€68k€68k▲
Income taxes67/77€14k€14k▲
Profit (loss) for the period9904€54k€54k▲
Profit (loss) for the period to be appropriated9905€54k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€54k▲
Transfer to equity691/2€54k€54k▲
To other reserves6921€54k€54k▲
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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2022net €54k ▲1%
Operating result €74k, net result €54k, both a record.
30-06
Financial
Equity above €150kEq €198k ▲37.8%
4 profitable years in a row build equity to €198k.
04-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €100kEq €144k ▲59.9%
3 profitable years in a row build equity to €144k.
2023
29-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €42k ▼2.6%
Net result drops to €42k, the lowest in the series; recovery starts the following year.
07-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Dessel · 1 establishment unit since 2021
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.
Vogelzangstraat 262480 DesselGround area
486 m²
Building footprint
132 m²
Volume, LiDAR
802 m³
Parcel 13006A0354/00M000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ConcreTim
since 20212.316.719.393
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13006A0354/00M000 | Flanders | 485 m² | 1 · 132 m² | 9.1 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
RAMO - WERBUNG
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Oblique
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LACAPRINT
BE 0842.058.384
Dentergem · Eq €197k
MARKANT - VANASSCHE
BE 0452.884.684
Aalter · Eq €197k
Entre vert et bleu
BE 0881.304.584
Wavre · Eq €200k
Of 2,856 companies in sector 18130 we hold annual accounts for 831. 635 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2021
Fiscal year end30-06
Activities, NACEBEL
18130Pre-press and pre-media services
58290Other software publishing
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.