EV CONCEPT
ActiveThe computed 12-month bankruptcy probability of EV CONCEPT is 1.5% (moderate). The 2025 annual accounts show equity of €117k and a net result of €36k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 88% of 7760 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+17
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 10.49 against 4.45 in 2024; short-term debt: 7.8% and cash: 63.3% of total assets), and 19.2% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
80.8%
Return on assets
25.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 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 · 10 filingsDeviation from the deadline
2025
29 d late
2024
31 d late
2023
61 d late
2022
31 d late
2021
31 d late
2020
30 d late
2019
99 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€117k▲ 33.5%
2024 · €88k
2018: €47k
2019: €66k
2020: €71k
2021: €68k
2022: €50k
2023: €79k
2024: €88k
2018 → 2025
Total assets
€145k▲ 34.4%
2024 · €108k
2018: €79k
2019: €82k
2020: €75k
2021: €79k
2022: €79k
2023: €133k
2024: €108k
2018 → 2025
Net result
€36k▲ 203%
2024 · €12k
2018: €22k
2019: €19k
2020: €4k
2021: €-3k
2022: €-17k
2023: €31k
2024: €12k
2018 → 2025
Working capital
€108k▲ 54.6%
2024 · €70k
2018: €56k
2019: €55k
2020: €67k
2021: €67k
2022: €49k
2023: €78k
2024: €70k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€50k▼ 25.4%€79k▲ 56.2%€88k▲ 11.5%€117k▲ 33.5%
Operating result€2k-€-15k€21k€15k▼ 25.6%€39k▲ 153%
Net result€-3k-€-17k▼ 438%€31k€12k▼ 60.9%€36k▲ 203%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 153% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €145k
Fixed assets
€26k▲ 43.9%
Current assets
€119k▲ 32.5%
Equity and liabilities €145k
Equity
€117k▲ 33.5%
Debt
€28k▲ 38.0%
The debt ratio rises from 18.7% to 19.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€44k▲
2024 · €18k
Cash flow
€41k▲
2024 · €15k
Solvency
80.8%▼
2024 · 81.3%
Current ratio
10.49▲
2024 · 4.45
Quick ratio
10.49▲
2024 · 4.45
Debt / equity
0.24▲
2024 · 0.23
ROE
31.1%▲
2024 · 13.7%
ROA
25.1%▲
2024 · 11.2%
Interest coverage
107.67▲
2024 · 49.71
Debt
€28k▲
2024 · €20k
Debt ≤ 1 year
€11k▼
2024 · €20k
Income taxes
€2k▼
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€108k€145k▲
Fixed assets21/28€18k€26k▲
Tangible fixed assets22/27€17k€25k▲
Furniture and vehicles24€17k€25k▲
Financial fixed assets28€500€500=
Current assets29/58€90k€119k▲
Amounts receivable within one year40/41€50k€27k▼
Trade receivables40€41k€14k▼
Other amounts receivable41€9k€13k▲
Cash at bank and in hand54/58€40k€92k▲
Deferred charges and accrued income490/1€121€651▲
Equity and liabilities
Total equity and liabilities10/49€108k€145k▲
Equity10/15€88k€117k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€80k€109k▲
Amounts payable17/49€20k€28k▲
Amounts payable within one year42/48€20k€11k▼
Current portion of amounts payable after more than one year42€1k-
Advances received on contracts in progress46€11k-
Taxes, remuneration and social security45€5k-
Taxes450/3€5k-
Other amounts payable47/48€3k€11k▲
Accrued charges and deferred income492/3-€17k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k-
Other operating charges640/8€299€1k▲
Gross operating margin9900€21k€45k▲
Operating profit (loss)9901€15k€39k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€361€406▲
Recurring financial charges65€361€406▲
Profit (loss) for the period before taxes9903€15k€39k▲
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€12k€36k▲
Profit (loss) for the period to be appropriated9905€12k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€83k€116k▲
Profit (loss) brought forward from the previous period14P€71k€80k▲
Profit to be distributed694/7€3k€7k▲
Return on contributions (dividend)694€3k€7k▲
The notes to these accounts (7 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
31-12
Financial
Highest result since 2018net €36k ▲203%
Operating result €39k, net result €36k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 10.49
Current ratio from 4.45 to 10.49; short-term debt falls from €20k to €11k.
31-12
Financial
Equity above €100kEq €117k ▲33.5%
3 profitable years in a row build equity to €117k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Back to profitnet €31k
Net result €31k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Liquidity quadruplescurrent ratio 18.68
Current ratio from 4.50 to 18.68; short-term debt falls from €16k to €4k.
07-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 99 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
26-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 26 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, Brussel · 1 establishment unit since 2015
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.
Beukenootjesstraat 1101120 BrusselGround area
160 m²
Building footprint
65 m²
Volume, LiDAR
470 m³
Parcel 21819D0212/00V000, Brussels · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
EV CONCEPT
since 20152.242.665.140
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21819D0212/00V000 | Brussels | 160 m² | 1 · 65 m² | 9.5 m · 3 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
VAKPRO
BE 0817.326.057
Deinze · Eq €117k
MIDLAND-INDUSTRIES
BE 0865.295.428
Wijnegem · Eq €117k
BESANDO
BE 0453.527.854
Antwerpen · Eq €117k
Algemene Bouwwerken Schepers-Hendrickx
BE 0886.695.905
Lommel · Eq €117k
A-Z Betonvloeren
BE 0870.260.541
Brecht · Eq €117k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,205 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-06-2015
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.