Equity
€10,549 from €185,033 in 2023
Equity fell by 94% in 2 years.
DBCONCEPT
Overview
Lifetime
5 annual accounts with figures on one time axispeak €93,949 (2023)
-€1,974▼ €1,151
lowest -€9,125 (2025)
-€9,125▼ €8,765
peak €185,033 (2023)
€10,549▼ 64.4%
€103,318▼ 34.9%
Board1 name since 2020
1 directorBOUDAILLIEZ Denis
Documentsfilings and deeds
30-08-202630 days late
2025micro format
Gross margin from -€823 to -€1,974Loss of €9,125Dividend €10,000Equity from €29,674 to €10,549Debts from €158,687 to €103,318Cash from €68,771 to €110,331
Key points
from the 2025 annual accountsLosses
-€9,484 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
Debts
€103,318 91% of the balance sheet
Suppliers 1%Taxes and wages 0%Other 99%
Filings
5 annual accounts 3 late
The 2025 accounts came latest: 30 days after the end of the period.
Starting capital
€10,000 100 shares
Position in the sector
-€9,125
Lower net result than 89% of companies in head offices and management consultancy. Sector median €27,142 · 39,376 companies.
Turnover not published (micro format)
Checked score
90
Excellent
Financially stronger than 17% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%▲ +0.1 percentage points vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.2%▲ +0.1 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026highest value
06-2026: 0.1%▼ -0.1 percentage points vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.1%▼ -0.1 percentage points vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Equity €10,549 (9.3% of total assets)
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 1.10, cash €110,331
Size: total assets €113,867
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 16% of them on solvency, 33% on liquidity, 10% on profitability and 10% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 849 companies had the same profile as DBCONCEPT has now. Each dot stands for 3 companies, two years later.
91.9%
were still trading
3.3%
stopped another way
4.7%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of DBCONCEPT itself is lower: 0.1% within 12 months. It rests on far more data about DBCONCEPT than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 849 companies, not a prediction for DBCONCEPT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.1 (1.19 in 2024), below the usual 1.5. Short-term debt is 90.7% and cash 96.9% of total assets. 90.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year -€9,125
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 39360 sector peers (2025).
NBB · sector comparisonPosition among 39360 sector peers
Solvency
better than 16%
← weakest
strongest →
raises risk · 2025 accounts filed 30 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
30 days late
2024
29 days late
2023
26 days early
2022
26 days early
2021
22 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 6 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 August (4 of the last 5 accounts filed within 47 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 9925:BE0754569433
Registered office moved within Villers-le-Bouillet
New registered office: Rue Isidore Chabot 17/1 à 4530 Villers-le-Bouillet · Previous registered office: Rue Isidore Chabot 17 à 4530 Villers-le-Bouillet · Board meeting of 05-03-2024 · Gazette deed
First establishment
Rue Isidore Chabot 17, Villers-le-Bouillet
Incorporation
Founding capital of €10,000, 100 shares · Founder: BOUDAILLIEZ Denis · Appointment: BOUDAILLIEZ Denis (director) · published on 21-09-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DBCONCEPT Villers-le-Bouillet | €113,867 | -€1,974 | 9.3% | - |
| BILLY Team Chaudfontaine | €120,189 | €19 | 99.9% | - |
| KST Business & Investment Liège | €103,465 | -€17,252 | 50.8% | - |
| DEMMLER 1 Raeren | €105,331 | -€2,646 | -28.9% | - |
| ALKEMA-MANAGEMENT Liège | €127,370 | -€3,033 | 89.6% | - |
| YUZA Liège | €113,676 | -€10,655 | 57.8% | - |
| HEALEY CORE Berloz | €133,311 | -€10,714 | 33.8% | - |
These companies have the same main activity as DBCONCEPT: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €103,000 and €133,000, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 17-09-2020Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.308.318.2054530 Villers-le-Bouillet, since 01-10-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Annual accounts 2025
- -€1,974▼ 140%
- €9,125▲ 25×
- €10,549▼ 64.4%
- €113,867▼ 39.5%
- Filing
- Filed on 30-08-2026
Insights on DBCONCEPT
DBCONCEPT files the micro format. That format states no turnover. The gross margin fell from €83,127 in 2021 to -€1,974 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 30-08-2026, 30 days late-€1,974
▼ €1,151
-€10,224
▼ €8,745
-€9,125
▼ €8,765
€10,409
▼ 64.6%
9.3%
▼ 6.5 percentage points
1.10
▼ 0.08
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €113,867 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
9.3%
Higher than 16% of 39,360 companies in 2025.
1.10
Higher than 28% of 38,044 companies in 2025.
-8.0%
Higher than 10% of 38,516 companies in 2025.
DBCONCEPT
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||
20/58 |
113,867 | 188,361 | 196,600 | 123,409 | 77,293 | |
21/28 |
140 | 273 | 345 | 788 | 1,230 | |
22/27 |
140 | 273 | 145 | 588 | 1,030 | |
24 |
140 | 273 | 145 | 588 | 1,030 | |
28 |
- | 0 | 200 | 200 | 200 | |
29/58 |
113,727 | 188,088 | 196,255 | 122,622 | 76,062 | |
40/41 |
3,396 | 19,317 | 36,072 | 24,690 | 19,764 | |
40 |
2,579 | 9,339 | 23,707 | 20,442 | 12,677 | |
41 |
817 | 9,978 | 12,365 | 4,248 | 7,087 | |
50/53 |
0 | 100,000 | 100,000 | - | - | |
54/58 |
110,331 | 68,771 | 59,746 | 97,550 | 55,956 | |
490/1 |
- | 0 | 437 | 382 | 342 | |
| Balance sheet: equity and liabilities | ||||||
10/49 |
113,867 | 188,361 | 196,600 | 123,409 | 77,293 | |
10/15 |
10,549 | 29,674 | 185,033 | 119,210 | 71,073 | |
10/11 |
10,000 | 10,000 | 10,000 | 10,000 | 10,000 | |
14 |
549 | 19,674 | 175,033 | 109,210 | 61,073 | |
17/49 |
103,318 | 158,687 | 11,566 | 4,199 | 6,220 | |
42/48 |
103,318 | 158,687 | 11,134 | 2,785 | 6,220 | |
44 |
959 | 171 | 2,850 | 0 | 2,970 | |
440/4 |
959 | 171 | 2,850 | 0 | 2,970 | |
45 |
38 | 2,570 | 5,499 | 0 | 3,250 | |
450/3 |
38 | 2,570 | 729 | - | - | |
454/9 |
- | 0 | 4,770 | 0 | 3,250 | |
47/48 |
102,322 | 155,946 | 2,785 | 2,785 | - | |
492/3 |
- | 0 | 432 | 1,414 | - | |
| Income statement | ||||||
9900 |
-1,974 | -823 | 93,949 | 62,736 | 83,127 | |
630 |
132 | 269 | 443 | 443 | 3,395 | |
631/4 |
7,718 | - | - | - | - | |
640/8 |
400 | 387 | 7,160 | 65 | 50 | |
9901 |
-10,224 | -1,479 | 86,346 | 62,228 | 79,683 | |
75/76B |
1,204 | 1,960 | 0 | 0 | - | |
75 |
1,204 | 1,960 | 0 | 0 | - | |
65/66B |
104 | 803 | 1,809 | 1,571 | 2,247 | |
65 |
104 | 803 | 1,809 | 1,571 | 2,247 | |
9903 |
-9,125 | -321 | 84,537 | 60,657 | 77,435 | |
67/77 |
0 | 38 | 18,713 | 12,520 | 16,363 | |
9904 |
-9,125 | -359 | 65,824 | 48,137 | 61,073 | |
9905 |
-9,125 | -359 | 65,824 | 48,137 | 61,073 | |
| Appropriation of the result | ||||||
9906 |
10,549 | 174,674 | 175,033 | 109,210 | 61,073 | |
14P |
19,674 | 175,033 | 109,210 | 61,073 | - | |
694/7 |
10,000 | 155,000 | - | - | - | |
694 |
10,000 | 155,000 | - | - | - | |
| Document | ||||||
The notes to these accounts have 10 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 30-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 30 days after the deadline. Filed on 30 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00454573.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 30-08-2026 | 2026-00454573 | |
| 31-12-2024 | micro format | 29-08-2025 | 2025-00431061 | |
| 31-12-2023 | micro format | 05-07-2024 | 2024-00211349 | |
| 31-12-2022 | micro format | 05-07-2023 | 2023-00203221 | |
| 31-12-2021 | micro format | 22-08-2022 | 2022-20305065 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| -10,092 | -1,210 | 86,789 | 62,671 | 83,077 | ||
| -8,992 | -90 | 66,267 | 48,580 | 64,467 | ||
| 0 | 397 | 0 | 0 | 1,529 | ||
| 41,560 | 9,025 | -37,804 | 41,594 | - | ||
| 10,409 | 29,401 | 185,121 | 119,837 | 69,842 | ||
| 9.3% | 15.8% | 94.1% | 96.6% | 92.0% | ||
| 1.10 | 1.19 | 17.63 | 44.03 | 12.23 | ||
| 9.79 | 5.35 | 0.06 | 0.04 | 0.09 | ||
| -86.5% | -1.2% | 35.6% | 40.4% | 85.9% | ||
| -8.0% | -0.2% | 33.5% | 39.0% | 79.0% | ||
| -96.97 | -1.51 | 47.97 | 39.89 | 36.97 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | €397 | - | - | €1,329 |
| Financial fixed assets | €0 | - | - | - | €200 |
| €132 | €269 | €443 | €443 | €3,395 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on DBCONCEPT
The operating result for 2025 is a loss of €10,224, larger than the loss of €1,479 in 2024. It is the lowest result since 2021.
Debt's share of the balance-sheet total rises from 84.2% to 90.7%. Equity and debt are lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 21-09-2020
term without a fixed end
listed in the 2025 annual accounts, filed on 30-08-2026
Mandates through the years
1 name, the dashed line is todayBOUDAILLIEZ Denis
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- BOUDAILLIEZ Denis
- Director (not named in the articles), appointed by deed of 21-09-2020, still in office
Control
Capital
- Contribution
- €10,000
- Shares
- 100
- Contribution per share
- €100
- Equity per share
- €105 in 2025
- Source
- deed of 21-09-2020
Articles of association
deed of 21-09-2020 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant moitié acquéreurs proportionnellement nombre actions acquises s'ils sont plusieurs, tous cas cessions entre vifs onéreux…”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Shareholders
At incorporation
deed of 21-09-2020 ↗
- BOUDAILLIEZ Denis 100 shares (100%) · in cash
Network & group
No group
DBCONCEPT has no parent and no holdings in its annual accounts. BOUDAILLIEZ Denis is the only director. DBCONCEPT shares no director with another company.
At the same address
Rue Isidore Chabot 17, 4530 Villers-le-Bouillet · 1 other company| Hauteclair, Ludivine (sole trader)
establishment since 27-10-2025 |
founded in 2025 1029.951.740 |
Timeline
Timeline
14 events since 2020Filings
Financial
Establishments
Address
2020202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 30 days late
2025
Weakest financial year net -€9,125 The net result drops to -€9,125, the lowest from 2021 to 2025.
Registered in the Peppol Directory Reachable for e-invoices through 9925:BE0754569433
Annual accounts 2024 filed PDFmicro format · 29 days late
2024
Annual accounts 2023 filed PDFmicro format · 26 days before the deadline
Registered office moved within Villers-le-BouilletNew registered office: Rue Isidore Chabot 17/1 à 4530 Villers-le-Bouillet · Previous registered office: Rue Isidore Chabot 17 à 4530 Villers-le-Bouillet · Board meeting of 05-03-20242 points ▸
- Board meeting, 05-03-2024
- Registered-office move, Rue Isidore Chabot 17/1 à 4530 Villers-le-Bouillet
2023
Highest result from 2021 to 2025 net €65,824 ▲36.7% The operating result of €86,346 and the net result of €65,824 are both a record.
Equity above €150,000 equity €185,033 ▲55.2% With a profit in every financial year since 2021, equity grows to €185,033.
Annual accounts 2022 filed PDFmicro format · 26 days before the deadline
2022
Liquidity more than triples current ratio 44.03 The current ratio rises from 12.23 to 44.03. Short-term debt falls from €6,220 to €2,785.
Equity above €100,000 equity €119,210 ▲67.7% With a profit in every financial year since 2021, equity grows to €119,210.
Annual accounts 2021 filed PDFmicro format · 22 days late
2020
First establishment Rue Isidore Chabot 17, Villers-le-Bouillet
IncorporationFounding capital of €10,000, 100 shares · Founder: BOUDAILLIEZ Denis · Appointment: BOUDAILLIEZ Denis (director) · published on 21-09-20206 points ▸
- Founder, BOUDAILLIEZ Denis
- Founding capital, €10,000, 100 shares
- 100 shares
- Registered office clause, rue Isidore Chabot 17, 4530 Villers-le-Bouillet (Dreye)
- Board rule, 1, 4
- Director appointment, BOUDAILLIEZ Denis (director (not named in the articles))
- The deed holds 9 more points.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 17 September 2020, DBCONCEPT was incorporated as a private limited company by one natural person, with a starting capital of €10,000.12 In 2024 the registered office moved to Villers-le-Bouillet.3 BOUDAILLIEZ Denis is director of the company, appointed by deed of 21-09-2020.2 Total assets went from €77,293 in 2021 to €113,867 in 2025.4
Company details
Identity
- Enterprise number
- 0754.569.433
- VAT number
- BE 0754.569.433
- Peppol ID
- 9925:BE0754569433
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 17-09-2020
- Financial year
- ends on 31 December
- Peppol
- Reachable since 18-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- DBCONCEPT in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 21-09-2020 (in French)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Codes under NACEBEL 2008
70220
Business consulting main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes opérations de conseil,consultance et recherche et développement,et ce dans quelque domaine que ce soit; Toutes activités de…”deed of 21-09-2020 (in French)
8 activities
- Toutes opérations de conseil,consultance et recherche et développement,et ce dans quelque domaine que ce soit
- Toutes activités de gestion,de formation,de marketing,de conseil en organisation et d’analyse
- Toutes opérations de création et d’exploitation de services sur support internet,audiotel,mobile,télévisé,radio ou tout autre medium audiovisuel
- Toutes opérations de communication,de promotion,de conception,création et de conseil
- Toutes opérations commerciales en ce compris notamment l’achat et la vente dans le secteur de la communication,de l’évènementiel,de la promotion,de la haute technologie ou de l’industrie
- La vente de software et de hardware
- La gestion,l'organisation et la réorganisation d'entreprises de personnes physiques,d'entreprises de personnes morales et d'associations
- Le conseil pour les affaires et conseils généralement quelconques de gestion,de même que les activités spécialisées,scientifiques et techniques
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue Isidore Chabot 17 registered office 4530 Villers-le-Bouillet | 01-10-2020 | 2.308.318.205 |
Buildings and parcels at the address
- Ground area
- 3,019 m²
- Buildings
- 67 m²
- Volume, LiDAR
- 415 m³
- Tallest building
- 8.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 61074C0031/00F000 | 3,019 m² | 1 · 67 m² | 8.0 m · 2 |