Financials
- Fiscal year
- 2025
- Total assets
- €149,147
- Loss
- -€65,860
- Solvency
- 10.6%
Total assets▼ 38.4%
Net result
20192025
G & A CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of G & A CONCEPT is 2.0% (moderate). The annual accounts of G & A CONCEPT for fiscal year 2025 show a net loss of 81% of the equity at the start of that year. The 2025 annual accounts show equity of €15,783 and a net result of -€65,860. Equity is growing by ~22% per year across the filed fiscal years. Its solvency ranks better than 24% of 773 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Other manufacturing not elsewhere classified
NACE 32990Other specialised construction activities NACE 43990NACE 43999
1 site
Size
€149,147total assets 2025
- Staff
- 1.5 FTE
- Equity
- €15,783
- Loss
- -€65,860
Turnover not published (abridged schema)
Structure
Accounts filed 20 d late0 of 4 deeds read
Why 51- Loss of €65,860 (FY 2025)- Liquidity: current ratio 1.31, cash €25- Equity €15,783 (10.6% of total assets)+ Size: total assets €149,147Show the evidence
Checked score
Score 2025
51
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 12% of its sector peers (NACE 32, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
36-23
equity 10.6% of total assets
Liquidity
9-37
short-term debt 75.9% · cash 0.0%
Profitability
0-43
return on assets -44.2%
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 1.6%
12-2024: 1.6%▼ -2.5% vs 11-2024
01-2025: 1.6%● 0.0% vs 12-2024
02-2025: 1.6%● 0.0% vs 01-2025
03-2025: 1.5%▼ -2.4% vs 02-2025lowest value
04-2025: 1.5%● 0.0% vs 03-2025lowest value
05-2025: 1.5%● 0.0% vs 04-2025lowest value
06-2025: 1.5%● 0.0% vs 05-2025lowest value
07-2025: 1.7%▲ +8.2% vs 06-2025
08-2025: 1.8%▲ +10.7% vs 07-2025
09-2025: 1.8%▼ -3.7% vs 08-2025
10-2025: 1.9%▲ +7.9% vs 09-2025
11-2025: 2.9%▲ +50.7% vs 10-2025
12-2025: 2.9%● 0.0% vs 11-2025
01-2026: 2.9%● 0.0% vs 12-2025
02-2026: 2.9%● 0.0% vs 01-2026
03-2026: 2.9%● 0.0% vs 02-2026
04-2026: 2.9%▲ +1.6% vs 03-2026highest value
05-2026: 2.0%▼ -31.9% vs 04-2026
06-2026: 2.0%▼ -1.4% vs 05-2026
07-2026: 2.0%▲ +1.2% vs 06-2026
08-2026: 1.9%▼ -3.0% vs 07-2026
09-2026: 1.9%▼ -3.5% vs 08-2026
10-2026: 2.0%▲ +7.9% vs 09-2026
- Loss of €65,860 (FY 2025) raises the probability
- Size: total assets €149,147 lowers the probability for this profile
- Liquidity: current ratio 1.31, cash €25 raises the probability
- Equity €15,783 (10.6% of total assets) raises the probability
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.31 against 1.81 in 2024; short-term debt: 75.9% and cash: 0% of total assets), and 89.4% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 32, micro). Better than this share of them on solvency 24%, liquidity 10%, profitability 6%, growth against the median 7%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 773 sector peers (2025).
NBB · sector comparisonPosition among 773 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-11-2025, 20 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 · 8 filingsDeviation from the deadline
2025
20 d late
2024
on the day
2023
on the day
2022
3 d late
2021
3 d late
2020
25 d late
2019
5 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days after the deadline; the sector median for financial year 2024 is 2 days before the deadline, and 40% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 3 November (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close07-10-2026 today31-10-2026 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€65,860
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 11
- Since
- 2018
- Next accounts
- by 31-10-2026
- 20-11-2025Annual accounts filed
- 31-03-2025Weakest financial year
- 31-10-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other manufacturing not elsewhere classifiedNACE 32990
- Founded
- 26-10-2016
- Year ends
- 31-03
- Peppol
- Reachable for e-invoices
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