DANIEL & GABI CONCEPT
ActiveThe computed 12-month bankruptcy probability of DANIEL & GABI CONCEPT is 2.3% (moderate). The 2024 annual accounts show equity of €36k and a net result of €16k. Equity is growing by ~48.4% per year across the filed fiscal years. Its solvency ranks better than 33% of 9981 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▲+22
Solvency51▼-37
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 2.58 in 2023; short-term debt: 74.3% and cash: 7% of total assets), and 74.3% 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.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
25.7%
Return on assets
11.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
70 d late
2023
37 d late
2022
63 d late
2021
65 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€344k
EBIT margin
7.0%
Net result
€16k▲ 439%
2023 · €3k
2021: €8k
2022: €6k
2023: €3k
2021 → 2024
Working capital
€35k▲ 88.4%
2023 · €19k
2021: €11k
2022: €16k
2023: €19k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Turnover€344k
Equity€11k-€17k▲ 57.4%€20k▲ 18.0%€36k▲ 82.2%
Operating result€10k-€11k▲ 9.1%€8k▼ 22.5%€24k▲ 186%
Net result€8k-€6k▼ 20.1%€3k▼ 50.6%€16k▲ 439%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 186% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €140k
Fixed assets
€906▼ 20.3%
Current assets
€139k▲ 357%
Equity and liabilities €140k
Equity
€36k▲ 82.2%
Debt
€104k▲ 781%
The debt ratio rises from 37.4% to 74.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€24k▲
2023 · €9k
Cash flow
€17k▲
2023 · €3k
Solvency
25.7%▼
2023 · 62.6%
Current ratio
1.34▼
2023 · 2.58
Quick ratio
1.31▼
2023 · 2.32
Debt / equity
2.89▲
2023 · 0.60
ROE
45.1%▲
2023 · 15.3%
ROA
11.6%▲
2023 · 9.6%
Interest coverage
7.25▲
2023 · 2.31
Debt
€104k▲
2023 · €12k
Debt ≤ 1 year
€104k▲
2023 · €12k
Income taxes
€4k▲
2023 · €2k
Staff costs
€373
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€32k€140k▲
Fixed assets21/28€1k€906▼
Tangible fixed assets22/27€798€399▼
Furniture and vehicles24€798€399▼
Financial fixed assets28€338€507▲
Current assets29/58€30k€139k▲
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€26k€126k▲
Trade receivables40€6k€122k▲
Other amounts receivable41€19k€5k▼
Cash at bank and in hand54/58€2k€10k▲
Equity and liabilities
Total equity and liabilities10/49€32k€140k▲
Equity10/15€20k€36k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€17k€33k▲
Amounts payable17/49€12k€104k▲
Amounts payable within one year42/48€12k€104k▲
Trade debts44€7k€98k▲
Suppliers440/4€5k€928▼
Bills of exchange payable441€3k€97k▲
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Income statement
Code20232024
Turnover70-€344k
Goods, raw materials, services and sundry goods60/61-€318k
Remuneration, social security and pensions62-€373
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€399€399=
Other operating charges640/8€3k€2k▼
Gross operating margin9900€12k€26k▲
Operating profit (loss)9901€8k€24k▲
Financial income75/76B€11-
Recurring financial income75€11-
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€5k€21k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€3k€16k▲
Profit (loss) for the period to be appropriated9905€3k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€33k▲
Profit (loss) brought forward from the previous period14P€14k€17k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
31-12
Financial
Highest result since 2021net €16k ▲439%
Operating result €24k, net result €16k, both a record.
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 37 days late
2023
31-12
Financial
Weakest financial yearnet €3k ▼50.6%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
02-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 63 days late
2022
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 65 days late
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, Sint-Genesius-Rode · 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.
Lindestraat 671640 Sint-Genesius-RodeGround area
262 m²
Building footprint
148 m²
Volume, LiDAR
777 m³
Parcel 22004C0263/00T000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DANIEL & GABI CONCEPT
since 20212.312.490.886
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004C0263/00T000 | Flanders | 262 m² | 1 · 148 m² | 9.7 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.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,716 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
43211General electrical installation work
43221Plumbing work
43310Plastering work
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.