CONCURIA
ActiveCONCURIA has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €20k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+90
Solvency45▲+14
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.98 against 0.33 in 2024; short-term debt: 79% and cash: 4.6% of total assets), and 80% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 →
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
20%
Return on assets
17.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 31540 sector peers (2025).
NBB · sector comparisonPosition among 31540 sector peers
Solvency
better than 23%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €23k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
8 d early
2023
29 d early
2022
6 d early
2021
27 d early
2020
32 d early
2019
31 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 681%
2024 · €3k
2018: €1k
2019: €13k
2020: €23k
2021: €30k
2022: €31k
2023: €19k
2024: €3k
2018 → 2025
Total assets
€116k▲ 141%
2024 · €48k
2018: €14k
2019: €30k
2020: €50k
2021: €40k
2022: €43k
2023: €92k
2024: €48k
2018 → 2025
Net result
€20k
2024 · €-16k
2018: €-12k
2019: €13k
2020: €10k
2021: €494
2022: €678
2023: €9k
2024: €-16k
2018 → 2025
Working capital
€-2k▲ 94.8%
2024 · €-30k
2018: €394
2019: €14k
2020: €23k
2021: €29k
2022: €30k
2023: €34k
2024: €-30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€31k▲ 2.3%€19k▼ 37.4%€3k▼ 84.5%€23k▲ 681%
Operating result€1k-€855▼ 21.4%€13k▲ 1,438%€-16k€23k
Net result€494-€678▲ 37.3%€9k▲ 1,209%€-16k€20k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €23k after a loss of €16k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€26k▼ 21.9%
Current assets
€90k▲ 502%
Equity and liabilities €116k
Equity
€23k▲ 681%
Debt
€93k▲ 105%
The debt ratio falls from 93.9% to 80.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▲
2024 · €-15k
Cash flow
€27k▲
2024 · €-15k
Solvency
20.0%▲
2024 · 6.1%
Current ratio
0.98▲
2024 · 0.33
Quick ratio
0.98▲
2024 · 0.33
Debt / equity
4.01▼
2024 · 15.27
ROE
87.2%▲
2024 · -546.4%
ROA
17.4%▲
2024 · -33.6%
Interest coverage
159.92▲
2024 · -61.59
Debt
€93k▲
2024 · €45k
Debt ≤ 1 year
€91k▲
2024 · €45k
Income taxes
€2k
Staff costs
€78▲
2024 · €77
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€48k€116k▲
Fixed assets21/28€33k€26k▼
Intangible fixed assets21€29k€23k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€15k€90k▲
Amounts receivable within one year40/41€5k€84k▲
Trade receivables40€3k€83k▲
Other amounts receivable41€2k€995▼
Cash at bank and in hand54/58€10k€5k▼
Equity and liabilities
Total equity and liabilities10/49€48k€116k▲
Equity10/15€3k€23k▲
Contributions10/11€19k€19k=
Reserves13€509€4k▲
Distributable reserves133€509€4k▲
Profit (loss) carried forward14€-16k-
Amounts payable17/49€45k€93k▲
Amounts payable within one year42/48€45k€91k▲
Trade debts44€8k€8k▲
Suppliers440/4€8k€8k▲
Taxes, remuneration and social security45€513€3k▲
Taxes450/3€513€3k▲
Other amounts payable47/48€37k€81k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Remuneration, social security and pensions62€77€78▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€663€7k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€-14k€31k▲
Operating profit (loss)9901€-16k€23k▲
Financial income75/76B€56€18▼
Recurring financial income75€56€18▼
Financial charges65/66B€248€188▼
Recurring financial charges65€248€188▼
Profit (loss) for the period before taxes9903€-16k€23k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€-16k€20k▲
Profit (loss) for the period to be appropriated9905€-16k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€4k▲
Profit (loss) brought forward from the previous period14P-€-16k
Transfer to equity691/2-€4k
To other reserves6921-€4k
The notes to these accounts (9 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-16k ▼282%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Aarschot · 2 establishment units since 2015
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.
Dorenstraat 53200 AarschotGround area
850 m²
Building footprint
165 m²
Volume, LiDAR
1,265 m³
2 parcels, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Dorenstraat 5, 3200 Aarschot
since 20152.247.846.524
Schaluin 63, 3200 Aarschot
since 20162.255.690.458
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24001B0211/00D004 | Flanders | 750 m² | 1 · 91 m² | 9.4 m · 2 fl. |
| 24001B0151/00E000 | Flanders | 100 m² | 1 · 74 m² | 12.1 m · 3 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 82,524 companies in sector 70200 we hold annual accounts for 52,566. 32,051 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2015
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62010Computer programming, consultancy and related activities
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
62200Computer consultancy and computer facilities management
70100Activities of head offices
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.