FIELD & CONCEPT

Active

Public limited companyfounded 199630 yrs activeArianelaan 33, 1200 Sint-Lambrechts-Woluwe, BelgiumKBO/BCE: BE 0458.706.664

FIELD & CONCEPT has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.30M and a net result of €159k. Equity is shrinking by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 55% of 709 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

70 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability76▲+1

Solvency73▼-8

Growth58=

Track record100

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €90k at 30 days acceptable

Liquidity ample (current ratio 1.89 against 2.4 in 2024; short-term debt: 46.5% and cash: 12.1% of total assets), but 51.6% of the assets are financed with debt.

How do we compute the score and the probability?

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

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

48.4%

Return on assets

5.9%

Age of the figures

9 mo

Lower-risk legal form

Companies with this legal form statistically fail less often than a BV.

KBO · legal form

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

30 d early

2024

43 d early

2023

20 d early

2022

on the day

2021

20 d early

2020

11 d early

2019

87 d late

← before the deadline after the deadline →

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 months

Position in the running window

19-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€159k▲ 10.2%

2024 · €144k

2018: €-131k 2019: €818 2020: €32k 2021: €486k 2022: €782k 2023: €223k 2024: €144k

2018 → 2025

Working capital

€1.12M▼ 30.5%

2024 · €1.61M

2018: €3.11M 2019: €3.21M 2020: €3.54M 2021: €2.47M 2022: €1.26M 2023: €1.48M 2024: €1.61M

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€2.08M-€1.28M▼ 38.4%€1.50M▲ 17.4%€1.65M▲ 9.6%€1.30M▼ 20.7%

Operating result€784k-€798k▲ 1.8%€424k▼ 46.9%€284k▼ 32.9%€312k▲ 9.7%

Net result€486k-€782k▲ 60.8%€223k▼ 71.6%€144k▼ 35.3%€159k▲ 10.2%

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 10% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €2.69M

12%

88.0%

Fixed assets €323k▲ 75.4%

Current assets €2.37M▼ 14.1%

Equity and liabilities €2.69M

48.4%

51.6%

Equity €1.30M▼ 20.7%

Debt €1.39M▲ 7.0%

The debt ratio rises from 44.1% to 51.6%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€344k▲

2024 · €317k

Cash flow

€190k▲

2024 · €177k

Solvency

48.4%▼

2024 · 55.9%

Current ratio

1.89▼

2024 · 2.40

Quick ratio

1.89▼

2024 · 2.40

Debt / equity

1.07▲

2024 · 0.79

ROE

12.2%▲

2024 · 8.7%

ROA

5.9%▲

2024 · 4.9%

Interest coverage

21.40▼

2024 · 31.76

Debt

€1.39M▲

2024 · €1.30M

Debt ≤ 1 year

€1.25M▲

2024 · €1.15M

Debt > 1 year

€137k

Income taxes

€137k▲

2024 · €130k

Staff costs

€3.44M▼

2024 · €3.86M

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€2.94M€2.69M▼

Fixed assets21/28€184k€323k▲

Intangible fixed assets21€0€0=

Tangible fixed assets22/27€184k€323k▲

Plant, machinery and equipment23€17k€9k▼

Furniture and vehicles24€30k€20k▼

Other tangible fixed assets26€97k€83k▼

Assets under construction and advance payments27€39k€210k▲

Financial fixed assets28€0-

Current assets29/58€2.76M€2.37M▼

Amounts receivable within one year40/41€1.91M€1.96M▲

Trade receivables40€1.91M€1.95M▲

Other amounts receivable41€0€8k▲

Cash at bank and in hand54/58€817k€326k▼

Deferred charges and accrued income490/1€31k€86k▲

Equity and liabilities

Total equity and liabilities10/49€2.94M€2.69M▼

Equity10/15€1.65M€1.30M▼

Contributions10/11€162k€162k=

Capital10€162k€162k=

Issued capital100€162k€162k=

Reserves13€16k€16k=

Non-distributable reserves130/1€16k€16k=

Legal reserve130€16k€16k=

Profit (loss) carried forward14€1.47M€1.13M▼

Amounts payable17/49€1.30M€1.39M▲

Amounts payable after more than one year17-€137k

Financial debts170/4-€137k

Amounts payable within one year42/48€1.15M€1.25M▲

Current portion of amounts payable after more than one year42-€66k

Financial debts43€74k€63k▼

Credit institutions430/8€74k€63k▼

Trade debts44€509k€547k▲

Suppliers440/4€509k€547k▲

Advances received on contracts in progress46€25k€30k▲

Taxes, remuneration and social security45€463k€407k▼

Taxes450/3€70k€86k▲

Remuneration and social security454/9€393k€320k▼

Other amounts payable47/48€78k€139k▲

Accrued charges and deferred income492/3€150k€2k▼

Income statement Code20242025

Remuneration, social security and pensions62€3.86M€3.44M▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€32k▼

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-53k€-15k▲

Other operating charges640/8€60k€22k▼

Gross operating margin9900€4.18M€3.79M▼

Operating profit (loss)9901€284k€312k▲

Financial income75/76B€181€68▼

Recurring financial income75€181€68▼

Financial charges65/66B€10k€16k▲

Recurring financial charges65€10k€16k▲

Profit (loss) for the period before taxes9903€274k€296k▲

Income taxes67/77€130k€137k▲

Profit (loss) for the period9904€144k€159k▲

Profit (loss) for the period to be appropriated9905€144k€159k▲

Appropriation of the result

Profit (loss) to be appropriated9906€1.47M€1.63M▲

Profit (loss) brought forward from the previous period14P€1.32M€1.47M▲

Profit to be distributed694/7-€500k

Return on contributions (dividend)694-€500k

Social balance

Average headcount (FTE)908772.361.1▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 12Financial 2Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

01-07

NBB filing Annual accounts filed

fiscal year 2025 · full schema

2025

18-06

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

11-07

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

31-07

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

31-12

Financial Highest result since 2018net €782k ▲60.8%

Operating result €798k, net result €782k, both a record.

11-07

NBB filing Annual accounts filed

fiscal year 2021 · full schema

2021

20-07

NBB filing Annual accounts filed

fiscal year 2020 · full schema

2020

26-10

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 87 days late

2019

31-12

Financial Back to profitnet €818

Net result €818 after one loss-making year.

05-08

NBB filing Annual accounts filed

fiscal year 2018 · full schema · 5 days late

2018

23-07

NBB filing Annual accounts filed

fiscal year 2017 · full schema

2017

05-07

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

15 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 1996

establishment approximate The establishment unit on the map

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.

Arianelaan 331200 Sint-Lambrechts-Woluwe

Ground area

3,920 m²

Building footprint

1,596 m²

Volume, LiDAR

44,533 m³