DELO'CONCEPT
ActiveDELO'CONCEPT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €193k and a net result of €111k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 45% of 9114 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+61
Solvency52▲+14
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 4.35 against 2.02 in 2024; short-term debt: 22.2% and cash: 0.2% of total assets), but 73.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
26.7%
Return on assets
15.4%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
27 d early
2023
12 d early
2022
17 d early
2021
9 d early
2020
8 d early
2019
25 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€111k
2024 · €-109k
2018: €-99k
2019: €17k
2020: €-115k
2021: €116k
2022: €299k
2023: €44k
2024: €-109k
2018 → 2025
Working capital
€536k▼ 27.5%
2024 · €740k
2018: €34k
2019: €132k
2020: €1k
2021: €344k
2022: €265k
2023: €556k
2024: €740k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-43k-€256k€300k▲ 17.2%€191k▼ 36.3%€193k▲ 0.8%
Operating result€159k-€386k▲ 143%€123k▼ 68.1%€-32k€152k
Net result€116k-€299k▲ 159%€44k▼ 85.3%€-109k€111k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €152k after a loss of €32k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €722k
Fixed assets
€26k▼ 31.9%
Current assets
€696k▼ 52.6%
Equity and liabilities €722k
Equity
€193k▲ 0.8%
Debt
€529k▼ 59.8%
The debt ratio falls from 87.3% to 73.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€162k▲
2024 · €-21k
Cash flow
€121k▲
2024 · €-98k
Solvency
26.7%▲
2024 · 12.7%
Current ratio
4.35▲
2024 · 2.02
Quick ratio
0.44▲
2024 · 0.06
Debt / equity
2.75▼
2024 · 6.88
ROE
57.8%▲
2024 · -56.9%
ROA
15.4%▲
2024 · -7.2%
Interest coverage
4.00▲
2024 · -0.28
Debt
€529k▼
2024 · €1.32M
Debt ≤ 1 year
€160k▼
2024 · €729k
Debt > 1 year
€366k▼
2024 · €580k
Income taxes
€1k▲
2024 · €160
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€1.51M€722k▼
Formation expenses20€0-
Fixed assets21/28€38k€26k▼
Tangible fixed assets22/27€35k€26k▼
Furniture and vehicles24€35k€26k▼
Financial fixed assets28€2k€0▼
Current assets29/58€1.47M€696k▼
Amounts receivable after more than one year29-€49k
Other amounts receivable291-€49k
Stocks and contracts in progress3€1.43M€626k▼
Stocks30/36€1.43M€626k▼
Amounts receivable within one year40/41€41k€19k▼
Other amounts receivable41€41k€19k▼
Cash at bank and in hand54/58€812€1k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.51M€722k▼
Equity10/15€191k€193k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€169k€171k▲
Amounts payable17/49€1.32M€529k▼
Amounts payable after more than one year17€580k€366k▼
Other amounts payable178/9€580k€366k▼
Amounts payable within one year42/48€729k€160k▼
Financial debts43€699k€0▼
Credit institutions430/8€699k€0▼
Trade debts44€30k€50k▲
Suppliers440/4€30k€50k▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48-€110k
Accrued charges and deferred income492/3€6k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€9k€1k▼
Gross operating margin9900€-13k€163k▲
Operating profit (loss)9901€-32k€152k▲
Financial income75/76B€0€1k▲
Recurring financial income75€0€1k▲
Financial charges65/66B€77k€40k▼
Recurring financial charges65€77k€40k▼
Profit (loss) for the period before taxes9903€-109k€113k▲
Income taxes67/77€160€1k▲
Profit (loss) for the period9904€-109k€111k▲
Profit (loss) for the period to be appropriated9905€-109k€111k▲
Appropriation of the result
Profit (loss) to be appropriated9906€169k€281k▲
Profit (loss) brought forward from the previous period14P€278k€169k▼
Profit to be distributed694/7-€110k
Return on contributions (dividend)694-€110k
The notes to these accounts (18 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 · abbreviated schema
2025
31-12
Financial
Back to profitnet €111k
Net result €111k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 4.35
Current ratio from 2.02 to 4.35; short-term debt falls from €729k to €160k.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €299k ▲159%
Operating result €386k, net result €299k, both a record.
31-12
Financial
Equity above €200kEq €256k
2 profitable years in a row build equity to €256k.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €116k
Net result €116k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-115k ▼765%
Net result drops to €-115k, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Theux · 1 establishment unit since 2013
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.
Chemin Al Goffe (Oneux) 224910 TheuxGround area
1,371 m²
Building footprint
203 m²
Parcel 63076B0467/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
DELO'CONCEPT
since 20132.219.343.964
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63076B0467/00E000 | Wallonia | 1,371 m² | 1 · 203 m² | - |
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
ELVERDI
BE 0793.258.278
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H.M.D.
BE 0461.047.037
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LAGROBO
BE 0723.726.502
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E.S.R. IMMO
BE 0843.334.628
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RLIVING
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Duffel · Eq €193k
Of 9,697 companies in sector 68121 we hold annual accounts for 7,378. 5,342 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-2013
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.