ECONCEPT PROPERTIES
ActiveThe computed 12-month bankruptcy probability of ECONCEPT PROPERTIES is 5.6% (elevated). The 2025 annual accounts show equity of €24k and a net result of €-11k. Equity is growing by ~2.6% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-19
Solvency29▼-1
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
5.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 2.3 against 2.32 in 2024; short-term debt: 3.4% and cash: 7.8% of total assets), but 96.5% 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.
+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 · 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 2025Solvency, return and age of the figures
Solvency
3.5%
Return on assets
-1.6%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 01-04-2026, 29 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
29 d early
2024
6 d early
2023
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▼ 30.9%
2024 · €34k
2023: €23k
2024: €34k
2023 → 2025
Total assets
€673k▼ 4.9%
2024 · €707k
2023: €714k
2024: €707k
2023 → 2025
Net result
€-11k
2024 · €12k
2023: €-2k
2024: €12k
2023 → 2025
Working capital
€30k▼ 9.4%
2024 · €33k
2023: €13k
2024: €33k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€23k-€34k▲ 52.6%€24k▼ 30.9%
Operating result€4k-€28k▲ 596%€3k▼ 90.1%
Net result€-2k-€12k€-11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 90% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €673k
Fixed assets
€620k▼ 4.5%
Current assets
€52k▼ 9.1%
Equity and liabilities €673k
Equity
€24k▼ 30.9%
Debt
€649k▼ 3.6%
The debt ratio rises from 95.1% to 96.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€32k▼
2024 · €58k
Cash flow
€19k▼
2024 · €41k
Solvency
3.5%▼
2024 · 4.9%
Current ratio
2.30▼
2024 · 2.32
Quick ratio
2.30▼
2024 · 2.32
Debt / equity
27.29▲
2024 · 19.56
ROE
-44.7%▼
2024 · 34.5%
ROA
-1.6%▼
2024 · 1.7%
Interest coverage
2.40▼
2024 · 4.26
Debt
€649k▼
2024 · €673k
Debt ≤ 1 year
€23k▼
2024 · €25k
Debt > 1 year
€626k▼
2024 · €648k
Income taxes
€0▼
2024 · €3k
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€707k€673k▼
Fixed assets21/28€650k€620k▼
Tangible fixed assets22/27€650k€620k▼
Land and buildings22€650k€620k▼
Current assets29/58€57k€52k▼
Cash at bank and in hand54/58€57k€52k▼
Equity and liabilities
Total equity and liabilities10/49€707k€673k▼
Equity10/15€34k€24k▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€9k€-1k▼
Amounts payable17/49€673k€649k▼
Amounts payable after more than one year17€648k€626k▼
Financial debts170/4€648k€626k▼
Amounts payable within one year42/48€25k€23k▼
Current portion of amounts payable after more than one year42€22k€22k▲
Trade debts44-€231
Suppliers440/4-€231
Taxes, remuneration and social security45€3k€0▼
Taxes450/3€3k€0▼
Accrued charges and deferred income492/3-€544
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k=
Other operating charges640/8€3k€3k▲
Gross operating margin9900€61k€35k▼
Operating profit (loss)9901€28k€3k▼
Financial income75/76B€93€0▼
Recurring financial income75€93€0▼
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€15k€-11k▼
Income taxes67/77€3k€0▼
Profit (loss) for the period9904€12k€-11k▼
Profit (loss) for the period to be appropriated9905€12k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-1k▼
Profit (loss) brought forward from the previous period14P€-2k€9k▲
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
Next filing, fiscal year 2026, expected by
2026
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-11k ▼190%
Net result drops to €-11k, the lowest in the series.
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Koekelberg · 1 establishment unit since 2022
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.
Kasteellaan 581081 KoekelbergGround area
902 m²
Building footprint
649 m²
Volume, LiDAR
11,984 m³
Parcel 21011A0013/00T000, Brussels · tallest building 23.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
ECONCEPT PROPERTIES
since 20222.341.381.545
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21011A0013/00T000 | Brussels | 902 m² | 1 · 649 m² | 23.3 m · 6 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2022
Fiscal year end30-09
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.
Contact details
2 entriesE-mail:concept.car@hotmail.be
Phone:0475823223