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ELM CONCEPTION

Active
Private limited company·Algemene bouw van residentiële gebouwen· 3 yrs active
Lange Eikstraat 46 ·1970 Wezembeek-Oppem, Belgium
KBO/BCE: BE 0795.467.306
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age3 yrs
Board1
Real estate2 parcels · 6,035 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of ELM CONCEPTION is 2.5% (moderate). The 2024 annual accounts show equity of €61k and a net result of €25k. Its solvency ranks better than 47% of 3827 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence
Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-01-2026, 158 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 05-01-2026 158 d late 2026-00001939
31-12-2023 31-07-2024 05-05-2025 278 d late 2025-00087330

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.5% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€25k-24.6%
Working capital€124k+246.7%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 05-01-2026 with the NBB · fiscal year 2024 · micro
€0€20k€40kOperating result 2023: €42k€42kNet result 2023: €33k€33kOperating result 2024: €31k€31kNet result 2024: €25k€25k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 36.9% 39.4%
better than 47% of 3827 sector peers
Net result €25k €9k
better than 74% of 3824 sector peers
Equity €61k €29k
better than 74% of 3832 sector peers
Gross operating margin €75k €26k
better than 80% of 3822 sector peers
Staff costs €14k €16k
higher than 48% of 1125 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€25k
-24.6% 23-24
Total assets
€165k
+272.0% 23-24
Equity
€61k
+70.1% 23-24
Working capital
€124k
+246.7% 23-24
Staff costs
€14k
- 23-24
Income taxes
€6k
-27.0% 23-24
Debt
€74k
+762.7% 23-24
Debt ≤ 1y
€41k
+377.5% 23-24
Current ratio
4.02
-22.1% 23-24
Quick ratio
4.02
-22.1% 23-24
Solvency
36.9%
-54.3% 23-24
Debt / equity
1.22
+407.0% 23-24
ROE
41.2%
-55.7% 23-24
ROA
15.2%
-79.7% 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA-
Net profit€25k
Cash flow-
Staff costs€14k
Income taxes€6k
Dividends-
Total assets€165k
Equity€61k
Debt€74k
of which ≤ 1y€41k
of which > 1y-
Working capital€124k
Employees (FTE)-
Ratios (computed)
2024
Current ratio4.02
Quick ratio4.02
Working capital ratio75.1%
Solvency36.9%
Debt / equity1.22
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA15.2%
ROE41.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€165k
Current assets 29/58€165k
Amounts receivable within one year 40/41€120k
Cash & bank 54/58€44k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€165k
Equity 10/15€61k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€58k
Provisions & deferred taxes 16€30k
Amounts payable 17/49€74k
Amounts payable within one year 42/48€41k
Trade debts payable within one year 44€26k
Income statement
Gross operating margin 9900€75k
Operating result 9901€31k
Result before taxes 9903€31k
Income taxes 67/77€6k
Net result for the period 9904€25k
Result to be appropriated 9905€25k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
78 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

2 directors
Current directors & mandates
  • EL OUARDANI Marwan
    Director
    State Gazette act 25311039 (12-02-2025)
    Current
    12-02-2025 → present
Former directors (1)
  • KHAMKHAM Yassine
    Director
    State Gazette act 25311039 (12-02-2025)
    Former
    - → 12-02-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Algemene bouw van residentiële gebouwen(41001)
Legal form Private limited company(610)
Incorporation28-12-2022
StatusActive
Postal code1970

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
577 companies at this address See who is registered here

Establishment units

1 location
ELM CONCEPTION
Rue Balatum 6, 1332 RixensartAlgemene bouw van residentiële gebouwen
since 20222.339.670.088
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area6,035 m²
Buildings2
Building footprint346 m²
Volume (LiDAR)2,871 m³
Tallest building14.8 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Wallonia 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
25033B0525/00L005 Wallonia 5,515 m² 1 · 21 m² 0.7 m
22006A0114/00P000 Flanders 520 m² 1 · 325 m² 14.8 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 1 year ago
2025
12-02-2025 1 director appointed, 1 resigning Director changes·Florence Van Aelst
  • EL OUARDANI Marwan, Bestuurder
  • KHAMKHAM Yassine, Bestuurder
Notary: Florence Van Aelst · Luik

Analysis

Snowflake analysis

financial profile on 5 axes
Health78Profitability100Solvency84Growth52Stability94
82 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 78
Profitability 100
Solvency 84
Growth 52
Stability 94

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AI due-diligence brief

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Credit advice

verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 5,321 of the 29,561 companies in this sector. 4,606 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Algemene bouw van residentiële gebouwen41001Algemene bouw van andere niet-residentiële gebouwen41003Algemene bouw van andere niet-residentiële gebouwen41203Slopen43110Slopen43110Elektrotechnische installatiewerken, uitgezonderd aan gebouwen43212Elektrotechnische installatiewerken van nijverheidsinrichtingen43212Loodgieterswerk43221Sanitaire werkzaamheden43221Schrijnwerk43320Schrijnwerk43320Metselwerk43910Uitvoeren van metsel- en voegwerken43994
Primary activity highlighted.
Names & trade names
Legal nameNL ELM CONCEPTION
Registered office
Lange Eikstraat 46
1970 Wezembeek-Oppem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.