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EC CONCEPT

Active Private limited companyfounded 2021active for 5 yearsBois-les-Dames 15, 4841 WelkenraedtKBO/BCE: BE 0768.467.751
EC CONCEPT
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Overview

Lifetime

5 annual accounts with figures on one time axis
peak €312,303 (2026)
€312,303▲ 53.7%
peak €72,902 (2026)
€72,902▲ 53.7%
peak €145,519 (2026)
€145,519▲ 57.2%
€284,898▲ 31.4%
Board2 names since 2021
1 directorEC IMMO
Documentsfilings and deeds
31-07-202631 days before the deadline
2026micro format
Gross margin from €203,249 to €312,303Result from €47,430 to €72,9021 director appointed, 1 resignation 03-04Dividend €19,957Equity from €92,574 to €145,519Debts from €216,867 to €284,898

Key points

from the 2026 annual accounts

Equity

€145,519 ▲ 57.2%
92,5742025+72,902Profit-19,957Dividend145,5192026

EC CONCEPT paid out €19,957 in dividends. That is 27% of the 2026 profit.

Turnover

≈ €1.1m estimated

The micro format states no turnover.

Investments

€94,375 2.9 × depreciation
20222023202420252026

Green is investment, beige is depreciation. Machinery stands 37.2% higher than in 2025.

Staff

6.3 FTE ▲ 133%
2.720256.32026

More staff in 2026 from 2.7 FTE to 6.3 FTE.

Board

1 joined · 1 left

Board changed. Latest change 03-04-2026 · 1 in office.

Position in the sector

€72,902

Higher net result than 91% of companies in retail trade. Sector median €5,011 · 750 companies.

Checked score

87
Excellent
Financially stronger than 66% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 2.0%highest value 01-2025: 1.6%▼ -0.4 percentage points vs 12-2024 02-2025: 1.6%● unchanged vs 01-2025 03-2025: 1.6%● unchanged vs 02-2025 04-2025: 1.6%● unchanged vs 03-2025 05-2025: 1.6%● unchanged vs 04-2025 06-2025: 1.7%▲ +0.1 percentage points vs 05-2025 07-2025: 1.7%● unchanged vs 06-2025 08-2025: 1.8%▲ +0.1 percentage points vs 07-2025 09-2025: 0.4%▼ -1.4 percentage points vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.5%▲ +0.1 percentage points vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.4%▼ -0.1 percentage points vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.5%▲ +0.1 percentage points vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.6%▲ +0.1 percentage points vs 06-2026 08-2026: 0.4%▼ -0.2 percentage points vs 07-2026 09-2026: 0.3%▼ -0.1 percentage points vs 08-2026lowest value 10-2026: 0.3%● unchanged vs 09-2026lowest value 11-2026: 0.3%● unchanged vs 10-2026lowest value

Financial strength
Strong

59+4equity 33.8% of total assets
45-10short-term debt 51.4% · cash 16.7%
90+2return on assets 16.9%

Score breakdown

raises risk
Founded in 2021
lowers risk
Size: total assets €430,417
Liquidity: current ratio 0.91, cash €72,080
Figures for financial year 2026 (filed on 31-07-2026)
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 47, micro). It does better than 49% of them on solvency, 44% on liquidity, 85% on profitability and 87% on growth.

The bankruptcy probability was computed on 09-11-2026 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 31-01-2026.

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, 26,972 companies had the same profile as EC CONCEPT has now. Each dot stands for 68 companies, two years later.

94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of EC CONCEPT itself: 0.3% within 12 months.

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.

The companies in ten equal groups, from the lowest to the highest expected share
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 26,972 companies, not a prediction for EC CONCEPT. 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 €12,000 on 30-day terms is acceptable

Liquidity is insufficient, with a current ratio of 0.91 (0.94 in 2025), below 1. Short-term debt is 51.4% and cash 16.7% of total assets. 66.2% 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

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €430,417
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Founded in 2021
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Liquidity: current ratio 0.91, cash €72,080
NBB · annual accounts
lowers risk · Figures for financial year 2026 (filed on 31-07-2026)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 31-07-2026, 31 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2026
31 days early
2025
3 days early
2024
2 days early
2023
62 days early
2022
62 days early
← 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 32 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. The company usually files around 31 July (5 of the last 5 accounts filed within 31 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
10-11-2026 today31-01-2027 year end31-08-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

EI
EC IMMO
Director, Elodie Crosset, since 28-02-2026
Board & ownership

Recent changes

1 director appointed, 1 resignation Resignation: Elodie Crosset · Appointment: EC IMMO · Permanent representative: Elodie Crosset · General meeting of 28-02-2026 · Gazette deed
Registered in the Peppol Directory Reachable for e-invoices through 0208:0768467751
Incorporation published on 20-05-2021 · Gazette deed
First establishment Bois-les-Dames 15, Welkenraedt
All 12 events

Comparable companies

same main activity, similar in size and age
Company
EC CONCEPT Welkenraedt €430,417 €312,303 33.8% -
ROSIE ANTWERP Antwerp €357,364 €306,307 70.1% -
By Lou H. Neupré €312,510 €284,893 76.6% 3.6
DGH Verviers €367,642 €202,998 38.9% -
VN BELLE ILE Bastogne €481,639 €295,770 -72.0% 8.5
SYS concept Fleurus €650,091 €378,439 32.8% -
LE CHAPEAU Antwerp €472,659 €430,956 11.0% -

These companies have the same main activity as EC CONCEPT: retail sale of women's outerwear (NACE 47711). They are comparable in size and age: total assets between €313,000 and €650,000, founded between 2019 and 2021.

Official details

Source: KBO
Status
Active since 18-05-2021Normal situation
Activity
Retail sale of women's outerwearNACE 47711and 4 others
Joint committee
201Independent retail · annual accounts 31-01-2026
Establishment unit
2.317.898.3404841 Welkenraedt, since 18-05-2021
Financial year end
31 January
Peppol
Reachable since 19-09-2025
Company details

Annual accounts to 31-01-2026

€312,303▲ 53.7%
€72,902▲ 53.7%
€145,519▲ 57.2%
€430,417▲ 39.1%
Employeeson 31-01-2026
9▲ 350%
Filing
Filed on 31-07-2026, 31 days before the end of the filing period
Financials

Insights on EC CONCEPT

EC CONCEPT files the micro format. That format states no turnover. The gross margin rose from €82,676 in 2022 to €312,303 in 2026.

The balance sheet grew most from 2024 to 2026 through fixed assets.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2026

micro format, filed on 31-07-2026, 31 days before the deadline
€312,303
▲ 53.7%
€110,484
▲ 36.6%
€72,902
▲ 53.7%
-€20,784
▼ €12,039
33.8%
▲ 3.9 percentage points
0.91
▼ 0.03

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €1.1m. Estimated: probably between €760,000 and €1.7m.

Balance sheet

balance sheet total €430,417 on 31-01-2026
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

33.8%

Higher than 47% of 22,924 companies in 2025.

0.91

Higher than 28% of 22,052 companies in 2025.

16.9%

Higher than 79% of 22,202 companies in 2025.

EC CONCEPT Middle half of the sector 80% of the sector Micro accounts in retail trade (NACE 47)

Staff

€26,120

Staff costs divided by the average number of full-time equivalents.

+7 people

people who joined people who left

In 2026, 15 people joined and 8 left.

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20262025202420232022
Balance sheet: assets
20/58 430,417309,441247,659215,630191,805
21/28 229,989170,562190,135143,319120,977
21 48,32458,33768,49578,65483,837
22/27 181,665112,226121,63964,66537,140
22 99,416106,604115,26951,31013,299
23 1,7991,3111,8932,4755,178
24 10,0932,0504,47810,88018,663
26 58,075----
27 12,2832,261---
29/58 200,428138,87857,52572,31170,828
3 98,45363,53645,56541,12443,068
30/36 98,45363,53645,56541,12443,068
40/41 22,87901,8530452
40 34103340452
41 22,53801,519--
54/58 72,08069,9445,61826,91725,626
490/1 7,0155,3984,4894,2691,682
Balance sheet: equity and liabilities
10/49 430,417309,441247,659215,630191,805
10/15 145,51992,57445,14429,95722,121
10/11 10,00010,00010,00010,00010,000
13 135,51970,45323,0237,836-
133 135,51970,45323,0237,836-
14 012,12112,12112,12112,121
17/49 284,898216,867202,515185,673169,684
17 60,37069,08997,36174,61673,907
170/4 60,37069,08997,36174,61673,907
42/48 221,212147,624104,700110,59495,319
42 47,23430,41527,73425,23812,114
44 50,37635,11431,03029,41727,554
440/4 50,37635,11431,03029,41727,554
46 30,14211,364---
45 69,52847,35118,99820,36613,642
450/3 43,07629,9364,6856,6845,432
454/9 26,45217,41514,31313,6838,210
47/48 23,93223,38126,93735,57342,009
492/3 3,316154455462458
Income statement
9900 312,303203,249140,345116,37482,676
62 164,55792,93582,85581,04753,114
630 32,68727,87429,72019,47912,276
640/8 4,5751,5335482,654472
9901 110,48480,90727,22213,19316,814
75/76B 37358120910258
75 37358120910258
65/66B 8,0407,2186,1493,2661,415
65 8,0407,2186,1493,2661,415
9903 102,81774,27021,28110,03015,457
67/77 29,91526,8416,0942,1943,337
9904 72,90247,43015,1877,83612,121
9905 72,90247,43015,1877,83612,121
Appropriation of the result
9906 85,02359,55027,30819,95712,121
14P 12,12112,12112,12112,121-
791/2 7,836----
691/2 72,90247,43015,1877,836-
6921 72,90247,43015,1877,836-
694/7 19,957----
694 19,957----
Social balance sheet
9087 6.32.722.11.5
Hours worked1013 7,7963,9203,4733,6682,121
Document PDFPDFPDFPDFPDF

The notes to these accounts have 11 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 2026 at the NBB, filed on 31-07-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-01-2026 micro format 31-07-2026 2026-00361840 PDF
31-01-2025 micro format 28-08-2025 2025-00419799 PDF
31-01-2024 micro format 29-08-2024 2024-00393864 PDF
31-01-2023 micro format 30-06-2023 2023-00180692 PDF
31-01-2022 micro format 30-06-2022 2022-20111873 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20262025202420232022
143,171108,78156,94232,67329,090
105,58975,30444,90727,31624,397
94,3758,30276,53646,999133,254
2,13664,327-21,3001,291-
-20,784-8,745-47,175-38,284-24,491
33.8%29.9%18.2%13.9%11.5%
0.910.940.550.650.74
0.460.510.110.280.29
1.962.344.496.207.67
50.1%51.2%33.6%26.2%54.8%
16.9%15.3%6.1%3.6%6.3%
17.8115.079.2610.0120.56

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.

Social balance sheet

Item31-01-202631-01-202531-01-202431-01-202331-01-2022
Employees at the balance-sheet date92222
full-time32221
part-time60001
in full-time equivalents62221.8
6.32.722.11.5
On a permanent contract32222
Joined156135
Left86132
Training hours----24

Source: social balance sheet in the 2022 to 2026 annual accounts

Investments

fixed assets acquired
Item31-01-202631-01-202531-01-202431-01-202331-01-2022
Tangible fixed assets€94,375€8,302€76,536€42,723€43,254
Intangible fixed assets---€4,276€90,000
€32,687€27,874€29,720€19,479€12,276

Source: notes to the 2022 to 2026 annual accounts (statement of fixed assets)

Insights on EC CONCEPT

The operating result for 2026 is 37% higher than in 2025 and the highest since 2022. It is the third rise in a row, after the fall in 2023.

Debt's share of the balance-sheet total falls from 70.1% to 66.2%. Equity and debt are higher.

Board & ownership

Board

1 director, last change in April 2026
EC IMMO BV
Director, permanent representative Elodie Crosset
since 28-02-2026
listed in the 2026 annual accounts, filed on 31-07-2026
Permanent representatives 1
Elodie Crosset
Permanent representative, for EC IMMO
appointed by deed of 03-04-2026

Office holders in the KBO →

Mandates through the years

2 names, the dashed line is today
EC IMMO
Director
Elodie Crosset
Director
BoardEarliermandate already running before its first mention
Mandates as a list
  • EC IMMO
    • Director, from 17-05-2021 to date
  • Elodie Crosset
    • Director, until 03-04-2026

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€10,000
Source
2026 annual accounts

Network & group

No group

EC CONCEPT has no parent and no holdings in its annual accounts. EC IMMO is the only director.

Connections & network

1 current director
Depth

The network lets you explore the ties of EC CONCEPT.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Timeline

Timeline

12 events since 2021

Deadline for the 2027 accounts: 31-08-2027

2026
Annual accounts 2026 filed NBBmicro format · 31 days before the deadline
1 director appointed, 1 resignationResignation: Elodie Crosset · Appointment: EC IMMO · Permanent representative: Elodie Crosset · General meeting of 28-02-20264 points ▸

Open the deed in the Belgian Official Gazette

Highest result from 2022 to 2026 net €72,902 ▲53.7% The operating result of €110,484 and the net result of €72,902 are both a record.
Equity above €100,000 equity €145,519 ▲57.2% With a profit in every financial year since 2022, equity grows to €145,519.
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0768467751
Annual accounts 2025 filed PDFmicro format · 3 days before the deadline
2024
Annual accounts 2024 filed PDFmicro format · 2 days before the deadline
2023
Annual accounts 2023 filed PDFmicro format · 62 days before the deadline
Weakest financial year net €7,836 ▼35.3% The net result drops to €7,836, the lowest from 2022 to 2026. It recovers the following year.
2022
Annual accounts 2022 filed PDFmicro format · 62 days before the deadline
2021
Incorporation PDFpublished on 20-05-2021
First establishment Bois-les-Dames 15, Welkenraedt

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

EC CONCEPT was incorporated on 18 May 2021 as a private limited company.1 Total assets rose from €191,805 in 2022 to €430,417 in 2026 and headcount from 1.5 to 6.3 full-time equivalents.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2022 and 2026

Company details

Identity

Enterprise number
0768.467.751
VAT number
BE 0768.467.751
Peppol ID
0208:0768467751
Other Peppol ID
9925:BE0768467751
Legal form
Private limited company
Status
Active, normal situation
Founded
18-05-2021
Financial year
ends on 31 January
Peppol
Reachable since 19-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
EC CONCEPT in French
Entity type
Legal entity

Activities

NACEBEL 2025
VAT activities
47711 Retail sale of women's outerwear main activity
47722 Retail trade
47750 Retail sale of cosmetics and toilet articles
82990 Other business support services
96220 Beauty care and other beauty treatments
Social security (RSZ) activities
47750 Retail sale of cosmetics and toilet articles main activity
Joint committees annual accounts 31-01-2026
JC 201 Independent retail
Codes under NACEBEL 2008
47711 Retail trade main activity
47722 Retail trade
47750 Retail trade
82990 Other business support services
96022 Beauty treatment

Registered office and establishments

1 establishment
Establishment Since Unit number
Bois-les-Dames 15 registered office 4841 Welkenraedt 18-05-2021 2.317.898.340

Location

registered office establishment approximate The establishment unit on the map

Contact

E-mail Info@lerendezvousdesfilles.be
Phone +32 471 72 90 16

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