CONSEPT
ActiveCONSEPT has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €86k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 1892 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency13▼-87
Growth58▼-20
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.69 against 7.28 in 2024), and 87.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
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
12.9%
Return on assets
63.9%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 1892 sector peers (2025).
NBB · sector comparisonPosition among 1892 sector peers
Solvency
better than 19%
← weakest
strongest →
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 07-04-2026, 115 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
115 d early
2024
150 d early
2023
57 d early
2022
11 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▼ 93.8%
2024 · €281k
2022: €57k
2023: €154k
2024: €281k
2022 → 2025
Total assets
€135k▼ 58.6%
2024 · €325k
2022: €75k
2023: €187k
2024: €325k
2022 → 2025
Net result
€86k▼ 32.4%
2024 · €127k
2022: €52k
2023: €97k
2024: €127k
2022 → 2025
Working capital
€-37k
2024 · €276k
2022: €52k
2023: €147k
2024: €276k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€57k-€154k▲ 172%€281k▲ 82.5%€17k▼ 93.8%
Operating result€65k-€128k▲ 97.5%€166k▲ 30.4%€111k▼ 33.5%
Net result€52k-€97k▲ 88.3%€127k▲ 30.6%€86k▼ 32.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135k
Fixed assets
€54k▲ 876%
Current assets
€80k▼ 74.9%
Equity and liabilities €135k
Equity
€17k▼ 93.8%
Debt
€117k▲ 167%
The debt ratio rises from 13.5% to 87.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€114k▼
2024 · €168k
Cash flow
€89k▼
2024 · €129k
Solvency
12.9%▼
2024 · 86.5%
Current ratio
0.69▼
2024 · 7.28
Quick ratio
0.69▼
2024 · 7.28
Debt / equity
6.74▲
2024 · 0.16
ROE
494.6%▲
2024 · 45.2%
ROA
63.9%▲
2024 · 39.1%
Interest coverage
68.27▼
2024 · 69.08
Debt
€117k▲
2024 · €44k
Debt ≤ 1 year
€117k▲
2024 · €44k
Income taxes
€23k▼
2024 · €37k
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€325k€135k▼
Fixed assets21/28€6k€54k▲
Tangible fixed assets22/27€6k€54k▲
Land and buildings22€5k€51k▲
Furniture and vehicles24€976€3k▲
Current assets29/58€320k€80k▼
Amounts receivable within one year40/41€22k€17k▼
Trade receivables40€22k€13k▼
Other amounts receivable41€0€4k▲
Cash at bank and in hand54/58€295k€61k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€325k€135k▼
Equity10/15€281k€17k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€276k€12k▼
Amounts payable17/49€44k€117k▲
Amounts payable within one year42/48€44k€117k▲
Trade debts44€2k€363▼
Suppliers440/4€2k€363▼
Taxes, remuneration and social security45€35k€1k▼
Taxes450/3€35k€1k▼
Other amounts payable47/48€7k€116k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€274€274=
Gross operating margin9900€168k€114k▼
Operating profit (loss)9901€166k€111k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€164k€109k▼
Income taxes67/77€37k€23k▼
Profit (loss) for the period9904€127k€86k▼
Profit (loss) for the period to be appropriated9905€127k€86k▼
Appropriation of the result
Profit (loss) to be appropriated9906€276k€97k▼
Profit (loss) brought forward from the previous period14P€149k€11k▼
Transfer from equity791/2-€265k
Profit to be distributed694/7-€350k
Return on contributions (dividend)694-€350k
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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €127k ▲30.6%
Operating result €166k, net result €127k, both a record.
31-12
Financial
Equity above €200kEq €281k ▲82.5%
3 profitable years in a row build equity to €281k.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €154k ▲172%
2 profitable years in a row build equity to €154k.
20-07
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
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, Roeselare · 1 establishment unit since 2022
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.
Gladiolenstraat 268800 RoeselareGround area
636 m²
Building footprint
111 m²
Volume, LiDAR
795 m³
Parcel 36502B0815/00Y007, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CONSEPT
since 20222.333.228.397
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36502B0815/00Y007 | Flanders | 636 m² | 1 · 111 m² | 10.8 m · 3 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.
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Of 3,142 companies in sector 63920 we hold annual accounts for 1,516. 999 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-2022
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.