DBE CONCEPT
ActiveDBE CONCEPT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €943k and a net result of €412k. Equity is growing by ~38.2% per year across the filed fiscal years. Its solvency ranks better than 89% of 1114 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+1
Solvency100▲+17
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 5.53 against 3.03 in 2023; short-term debt: 16.7% and cash: 35% of total assets), and 16.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
83.3%
Return on assets
36.4%
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 29-08-2025, 29 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
12 d early
2022
17 d late
2021
30 d early
2020
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€412k▲ 88.0%
2023 · €219k
2020: €107k
2021: €238k
2022: €213k
2023: €219k
2020 → 2024
Working capital
€855k▲ 54.1%
2023 · €555k
2020: €106k
2021: €345k
2022: €533k
2023: €555k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€112k-€350k▲ 214%€562k▲ 60.8%€531k▼ 5.5%€943k▲ 77.5%
Operating result€143k-€316k▲ 120%€281k▼ 11.1%€289k▲ 2.9%€554k▲ 92.1%
Net result€107k-€238k▲ 124%€213k▼ 10.8%€219k▲ 3.1%€412k▲ 88.0%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 92% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.13M
Fixed assets
€88k▲ 2.5%
Current assets
€1.04M▲ 26.1%
Equity and liabilities €1.13M
Equity
€943k▲ 77.5%
Debt
€189k▼ 50.7%
The debt ratio falls from 41.9% to 16.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€568k▲
2023 · €298k
Cash flow
€426k▲
2023 · €229k
Solvency
83.3%▲
2023 · 58.1%
Current ratio
5.53▲
2023 · 3.03
Quick ratio
5.53▲
2023 · 3.03
Debt / equity
0.20▼
2023 · 0.72
ROE
43.7%▲
2023 · 41.2%
ROA
36.4%▲
2023 · 24.0%
Interest coverage
281.50▲
2023 · 247.46
Debt
€189k▼
2023 · €383k
Debt ≤ 1 year
€189k▼
2023 · €273k
Income taxes
€152k▲
2023 · €78k
Staff costs
€30k▲
2023 · €26k
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€914k€1.13M▲
Fixed assets21/28€86k€88k▲
Tangible fixed assets22/27€86k€88k▲
Plant, machinery and equipment23€847€266▼
Furniture and vehicles24€12k€19k▲
Other tangible fixed assets26€73k€69k▼
Financial fixed assets28€30€30=
Current assets29/58€828k€1.04M▲
Amounts receivable after more than one year29€234k€341k▲
Trade receivables290€234k€341k▲
Amounts receivable within one year40/41€269k€279k▲
Trade receivables40€265k€256k▼
Other amounts receivable41€5k€24k▲
Cash at bank and in hand54/58€309k€396k▲
Deferred charges and accrued income490/1€16k€28k▲
Equity and liabilities
Total equity and liabilities10/49€914k€1.13M▲
Equity10/15€531k€943k▲
Contributions10/11€5k€5k=
Reserves13€526k€938k▲
Tax-exempt reserves132-€198k
Distributable reserves133€526k€740k▲
Amounts payable17/49€383k€189k▼
Amounts payable within one year42/48€273k€189k▼
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€75k€83k▲
Suppliers440/4€75k€83k▲
Taxes, remuneration and social security45€65k€46k▼
Taxes450/3€60k€37k▼
Remuneration and social security454/9€5k€9k▲
Other amounts payable47/48€133k€57k▼
Accrued charges and deferred income492/3€110k-
Income statement
Code20232024
Remuneration, social security and pensions62€26k€30k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€14k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€326k€601k▲
Operating profit (loss)9901€289k€554k▲
Financial income75/76B€10k€11k▲
Recurring financial income75€10k€11k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€297k€563k▲
Income taxes67/77€78k€152k▲
Profit (loss) for the period9904€219k€412k▲
Transfer to tax-exempt reserves689-€198k
Profit (loss) for the period to be appropriated9905€219k€214k▼
Appropriation of the result
Profit (loss) to be appropriated9906€219k€214k▼
Transfer from equity791/2€250k-
Transfer to equity691/2€219k€214k▼
To other reserves6921€219k€214k▼
Profit to be distributed694/7€250k-
Return on contributions (dividend)694€250k-
Social balance
Average headcount (FTE)90870.40.5▲
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
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Highest result since 2020net €412k ▲88%
Operating result €554k, net result €412k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Equity above €500kEq €562k ▲60.8%
3 profitable years in a row build equity to €562k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €350k ▲214%
2 profitable years in a row build equity to €350k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Mont-de-l'Enclus · 1 establishment unit since 2019
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.
Place d'Anseroeul(AN) 87750 Mont-de-l'EnclusGround area
1,537 m²
Building footprint
183 m²
Volume, LiDAR
1,204 m³
Parcel 57002B0454/00S000, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DBE CONCEPT
since 20192.290.702.807
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57002B0454/00S000 | Wallonia | 1,537 m² | 1 · 183 m² | 9.2 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.
Similar companies · same sector, comparable size
LMW CONSULTING
BE 0741.414.649
Chaumont-Gistoux · Eq €943k
CIVES
BE 0823.474.372
Brasschaat · Eq €941k
DOKO
BE 0439.065.748
Sint-Genesius-Rode · Eq €941k
PANDENFONDS
BE 0897.734.802
Kortrijk · Eq €948k
BUREAU MERTENS
BE 0461.213.224
Ottignies-Louvain-la-Neuve · Eq €938k
Of 11,554 companies in sector 71121 we hold annual accounts for 6,562. 3,516 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
43990Other specialised construction activities
43999Specialised construction activities
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.dbeconcept.com
E-mail:gau.deb@dbeconcept.com