EXCLUSIF CONCEPT
ActiveEXCLUSIF CONCEPT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €388k and a net result of €3k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 95% of 9195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-4
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 77.36 against 72.44 in 2024; short-term debt: 1.3% and cash: 8.6% of total assets), and 1.3% 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
98.7%
Return on assets
0.9%
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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
47 d late
2024
56 d late
2023
29 d late
2022
21 d early
2021
40 d early
2020
72 d late
2019
67 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
23-09-2026 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
€3k▼ 67.8%
2024 · €11k
2018: €67k
2019: €35k
2020: €-5k
2021: €8k
2022: €7k
2023: €5k
2024: €11k
2018 → 2025
Working capital
€388k▲ 0.9%
2024 · €384k
2018: €306k
2019: €355k
2020: €354k
2021: €362k
2022: €369k
2023: €374k
2024: €384k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€362k-€369k▲ 1.8%€374k▲ 1.3%€384k▲ 2.8%€388k▲ 0.9%
Operating result€7k-€9k▲ 32.2%€6k▼ 30.1%€9k▲ 43.2%€3k▼ 65.8%
Net result€8k-€7k▼ 15.3%€5k▼ 25.5%€11k▲ 116%€3k▼ 67.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 66% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €393k
Equity
€388k▲ 0.9%
Debt
€5k▼ 5.6%
The debt ratio falls from 1.4% to 1.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
98.7%▲
2024 · 98.6%
Current ratio
77.36▲
2024 · 72.44
Quick ratio
77.36▲
2024 · 72.44
Debt / equity
0.01▼
2024 · 0.01
ROE
0.9%▼
2024 · 2.7%
ROA
0.9%▼
2024 · 2.7%
Debt
€5k▼
2024 · €5k
Debt ≤ 1 year
€5k▼
2024 · €5k
Income taxes
€1k▼
2024 · €4k
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€390k€393k▲
Current assets29/58€390k€393k▲
Amounts receivable within one year40/41€250k€259k▲
Trade receivables40€250k€259k▲
Other amounts receivable41€160€446▲
Current investments50/53€121k€100k▼
Cash at bank and in hand54/58€18k€34k▲
Deferred charges and accrued income490/1€472€0▼
Equity and liabilities
Total equity and liabilities10/49€390k€393k▲
Equity10/15€384k€388k▲
Contributions10/11€20k€20k=
Reserves13€364k€367k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€364k€367k▲
Profit (loss) carried forward14€560€965▲
Amounts payable17/49€5k€5k▼
Amounts payable within one year42/48€5k€5k▼
Trade debts44€107€944▲
Suppliers440/4€107€944▲
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€335€57▼
Income statement
Code20242025
Other operating charges640/8€587€725▲
Gross operating margin9900€10k€4k▼
Operating profit (loss)9901€9k€3k▼
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€195€45▼
Recurring financial charges65€195€45▼
Profit (loss) for the period before taxes9903€14k€5k▼
Income taxes67/77€4k€1k▼
Profit (loss) for the period9904€11k€3k▼
Profit (loss) for the period to be appropriated9905€11k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€4k▼
Profit (loss) brought forward from the previous period14P€3€560▲
Transfer to equity691/2€10k€3k▼
To other reserves6921€10k€3k▼
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
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 47 days late
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 56 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 64.72
Current ratio from 16.45 to 64.72; short-term debt falls from €23k to €6k.
11-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 72 days late
2020
31-12
Financial
Weakest financial yearnet €-5k ▼114%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 10.82
Current ratio from 4.73 to 10.82; short-term debt falls from €82k to €36k.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
09-06
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, Baelen · 1 establishment unit since 2009
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.
Clos des Jonquilles 184837 BaelenGround area
805 m²
Building footprint
154 m²
Volume, LiDAR
951 m³
Parcel 63051A0550/00F000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EXCLUSIF CONCEPT
since 20092.181.302.742
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63051A0550/00F000 | Wallonia | 805 m² | 1 · 154 m² | 7.8 m · 2 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.
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,789 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-09-2009
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.