GC Concepts
ActiveSummary
GC Concepts has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.44M and a net result of €62k. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 74% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-7
Solvency88▲+4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 7.41 against 4.82 in 2024; short-term debt: 4.2% and cash: 8.8% of total assets), and 36.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
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
63.3%
Return on assets
2.7%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
14 d early
2023
15 d early
2022
18 d early
2021
20 d early
2020
40 d early
2019
14 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.44M▲ 4.5%
2024 · €1.38M
2018: €360k
2019: €483k
2020: €594k
2021: €743k
2022: €911k
2023: €1.18M
2024: €1.38M
2018 → 2025
Total assets
€2.28M▼ 3.4%
2024 · €2.36M
2018: €689k
2019: €763k
2020: €859k
2021: €1.05M
2022: €1.42M
2023: €1.85M
2024: €2.36M
2018 → 2025
Net result
€62k▼ 68.4%
2024 · €197k
2018: €103k
2019: €122k
2020: €121k
2021: €148k
2022: €166k
2023: €272k
2024: €197k
2018 → 2025
Working capital
€613k▼ 10.1%
2024 · €682k
2018: €57k
2019: €160k
2020: €248k
2021: €88k
2022: €304k
2023: €542k
2024: €682k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€743k-€911k▲ 22.7%€1.18M▲ 29.9%€1.38M▲ 16.8%€1.44M▲ 4.5%
Operating result€200k-€243k▲ 21.4%€404k▲ 65.9%€295k▼ 27.0%€108k▼ 63.5%
Net result€148k-€166k▲ 12.0%€272k▲ 63.9%€197k▼ 27.7%€62k▼ 68.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 64% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.28M
Fixed assets
€1.57M ▲ 4.7%
Current assets
€709k ▼ 17.6%
Equity and liabilities €2.28M
Equity
€1.44M ▲ 4.5%
Debt
€836k ▼ 14.6%
Debt's share of the balance-sheet total falls from 41.5% to 36.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€230k▼
2024 · €420k
Cash flow
€185k▼
2024 · €321k
Current ratio
7.41▲
2024 · 4.82
Quick ratio
4.76▲
2024 · 3.41
Debt to equity
0.58▼
2024 · 0.71
ROE
4.3%▼
2024 · 14.2%
ROA
2.7%▼
2024 · 8.3%
Interest coverage
10.77▼
2024 · 26.74
Debt ≤ 1 year
€96k▼
2024 · €178k
Debt > 1 year
€739k▼
2024 · €800k
Income taxes
€24k▼
2024 · €83k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.36M€2.28M▼
Fixed assets21/28€1.50M€1.57M▲
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€1.50M€1.56M▲
Land and buildings22€1.04M€1.31M▲
Plant, machinery and equipment23€12k€8k▼
Furniture and vehicles24€131k€93k▼
Other tangible fixed assets26€8k€12k▲
Assets under construction and advance payments27€309k€139k▼
Financial fixed assets28-€6k
Current assets29/58€860k€709k▼
Stocks and contracts in progress3€252k€253k▲
Stocks30/36€252k€253k▲
Amounts receivable within one year40/41€432k€250k▼
Trade receivables40€95k€70k▼
Other amounts receivable41€336k€180k▼
Cash at bank and in hand54/58€171k€200k▲
Deferred charges and accrued income490/1€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€2.36M€2.28M▼
Equity10/15€1.38M€1.44M▲
Contributions10/11€19k€19k=
Revaluation surpluses12€24k€24k=
Reserves13€1.34M€1.40M▲
Distributable reserves133€1.34M€1.40M▲
Amounts payable17/49€979k€836k▼
Amounts payable after more than one year17€800k€739k▼
Financial debts170/4€797k€733k▼
Other amounts payable178/9€3k€7k▲
Amounts payable within one year42/48€178k€96k▼
Current portion of amounts payable after more than one year42€83k€64k▼
Trade debts44€53k€5k▼
Suppliers440/4€53k€5k▼
Advances received on contracts in progress46€375€5k▲
Taxes, remuneration and social security45€40k€20k▼
Taxes450/3€40k€20k▼
Other amounts payable47/48€2k€1k▼
Accrued charges and deferred income492/3€749€629▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€125k€123k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€4k
Other operating charges640/8€7k€10k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€427k€244k▼
Operating profit (loss)9901€295k€108k▼
Financial income75/76B€19€73▲
Recurring financial income75€19€73▲
Financial charges65/66B€16k€21k▲
Recurring financial charges65€16k€21k▲
Profit (loss) for the period before taxes9903€279k€86k▼
Income taxes67/77€83k€24k▼
Profit (loss) for the period9904€197k€62k▼
Profit (loss) for the period to be appropriated9905€197k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€197k€62k▼
Transfer to equity691/2€197k€62k▼
To other reserves6921€197k€62k▼
The notes to these accounts (19 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €62k ▼68.4%
Net result drops to €62k, the lowest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
18-01
State Gazette act
General meeting · Director resignation
Permanent representative · Director discharge
2023
31-12
Financial
Highest result since 2018net €272k ▲63.9%
Operating result €404k, net result €272k, both a record.
31-12
Financial
Equity above €1MEq €1.18M ▲29.9%
6 profitable years in a row build equity to €1.18M.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €500kEq €594k ▲23.1%
3 profitable years in a row build equity to €594k.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2013
23-05
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
Financial milestoneState Gazette actNBB 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, Brussel · 1 establishment unit since 2013
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.
Zandstraat 12A1000 BrusselGround area
2,355 m²
Building footprint
656 m²
Volume, LiDAR
12,743 m³
Parcel 21803C1674/00C000, Brussels · tallest building 24.3 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
GC CONCEPTS
since 20132.218.315.269
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21803C1674/00C000 ProtectedMonumentVoormalig warenhuis Waucquez |
Brussels | 2,355 m² | 1 · 656 m² | 24.3 m · 7 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Of 1,435 companies in sector 47791 we hold annual accounts for 455. 199 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47791Retail sale of antiques
47690Retail sale of other cultural and recreation goods
47792Retail sale of second-hand clothing
47793Retail sale of other second-hand goods, excluding clothing
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.gcconcepts.be
E-mail:cgl@gcconcepts.be