@concreto
Active@concreto has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €70k and a net result of €25k. Equity is growing by ~54.3% per year across the filed fiscal years. Its solvency ranks better than 25% of 9692 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+55
Solvency13▼-23
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.87 against 6.7 in 2023), and 92.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 9692 sector peers (2024).
NBB · sector comparisonPosition among 9692 sector peers
Solvency
better than 25%
← 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 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
1 d early
2022
on the day
2021
2 d early
2020
2 d early
2019
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€70k▲ 54.0%
2023 · €46k
2018: €-79k
2019: €-54k
2020: €-263
2021: €23k
2022: €41k
2023: €46k
2018 → 2024
Total assets
€903k▼ 20.4%
2023 · €1.13M
2018: €952k
2019: €996k
2020: €986k
2021: €944k
2022: €971k
2023: €1.13M
2018 → 2024
Net result
€25k▲ 494%
2023 · €4k
2018: €9k
2019: €25k
2020: €53k
2021: €23k
2022: €18k
2023: €4k
2018 → 2024
Working capital
€-4k
2023 · €218k
2018: €28k
2019: €79k
2020: €64k
2021: €21k
2022: €57k
2023: €218k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-263-€23k€41k▲ 78.7%€46k▲ 10.0%€70k▲ 54.0%
Operating result€151k-€115k▼ 24.1%€103k▼ 9.7%€81k▼ 21.8%€88k▲ 8.5%
Net result€53k-€23k▼ 56.0%€18k▼ 22.2%€4k▼ 77.3%€25k▲ 494%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 9% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €903k
Fixed assets
€877k▼ 0.1%
Current assets
€26k▼ 89.8%
Equity and liabilities €903k
Equity
€70k▲ 54.0%
Debt
€833k▼ 23.5%
The debt ratio falls from 96.0% to 92.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€89k▲
2023 · €82k
Cash flow
€25k▲
2023 · €5k
Solvency
7.8%▲
2023 · 4.0%
Current ratio
0.87▼
2023 · 6.70
Quick ratio
0.87▼
2023 · 6.70
Debt / equity
11.87▼
2023 · 23.89
ROE
35.1%▲
2023 · 9.1%
ROA
2.7%▲
2023 · 0.4%
Interest coverage
1.70▲
2023 · 1.13
Debt
€833k▼
2023 · €1.09M
Debt ≤ 1 year
€30k▼
2023 · €38k
Debt > 1 year
€803k▼
2023 · €1.05M
Income taxes
€11k▲
2023 · €4k
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€1.13M€903k▼
Fixed assets21/28€878k€877k▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€876k€876k=
Current assets29/58€257k€26k▼
Amounts receivable within one year40/41€21k€21k▼
Trade receivables40€21k€21k▼
Other amounts receivable41€50€50=
Cash at bank and in hand54/58€235k€4k▼
Deferred charges and accrued income490/1€458€848▲
Equity and liabilities
Total equity and liabilities10/49€1.13M€903k▼
Equity10/15€46k€70k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€33k€58k▲
Amounts payable17/49€1.09M€833k▼
Amounts payable after more than one year17€1.05M€803k▼
Financial debts170/4€1.05M€803k▼
Amounts payable within one year42/48€38k€30k▼
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Taxes, remuneration and social security45€27k€22k▼
Taxes450/3€27k€22k▼
Other amounts payable47/48€8k€694▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€852▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€99€297▲
Gross operating margin9900€83k€90k▲
Operating profit (loss)9901€81k€88k▲
Financial income75/76B-€83
Recurring financial income75-€83
Financial charges65/66B€73k€52k▼
Recurring financial charges65€73k€52k▼
Profit (loss) for the period before taxes9903€8k€36k▲
Income taxes67/77€4k€11k▲
Profit (loss) for the period9904€4k€25k▲
Profit (loss) for the period to be appropriated9905€4k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€58k▲
Profit (loss) brought forward from the previous period14P€29k€33k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €4k ▼77.3%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 6.70
Current ratio from 2.64 to 6.70.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €53k ▲111%
Operating result €151k, net result €53k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 14 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
2016
27-07
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
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
11-12-2023
Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2006
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.
Van Meterenkaai 32000 AntwerpenGround area
327 m²
Building footprint
324 m²
Volume, LiDAR
7,983 m³
Parcel 11002A0239/00G000, Flanders · tallest building 35.1 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
@ Concreto
since 20062.151.691.909
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11002A0239/00G000 | Flanders | 327 m² | 1 · 323 m² | 35.1 m · 9 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
PMG Concept
BE 0762.567.577
Antwerpen · Eq €70k
BOUWBEDRIJF TENG WIJEN
BE 0472.544.507
Maasmechelen · Eq €70k
AND Studio
BE 1015.916.533
Antwerpen · Eq €70k
BLANCO PROJECTS
BE 1003.482.519
Knokke-Heist · Eq €70k
VABILIA
BE 0823.610.964
Roeselare · Eq €70k
Of 9,635 companies in sector 68121 we hold annual accounts for 7,328. 5,161 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2006
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
70111
68122Development of non-residential building projects
70112
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.