GDPE-CONCEPT
ActiveSummary
GDPE-CONCEPT has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €313,886 and a net result of €2,225. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 19% of 15375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability34▲+6
Solvency48▲+2
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19,000 at 30 days acceptable
Liquidity ample (current ratio 3.85 against 2.21 in 2023; short-term debt: 3.9% and cash: 0.1% of total assets), but 77.1% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 15375 sector peers (2024).
NBB · sector comparisonPosition among 15375 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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
not confirmed
2024
60 d late
2023
91 d late
2022
85 d late
2021
58 d late
2020
90 d late
2019
122 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 84 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
In the rankings
#3 oldest company in Durbuy, Professional and technical services sector#5 company by total assets in Durbuy, Professional and technical services sector#10 company by equity in Durbuy, Professional and technical services sector
Equity
€313,886▲ 0.7%
2023 · €311,660
Total assets
€1.4m▼ 7.8%
2023 · €1.5m
Net result
€2,225
2023 · -€32,452
Working capital
€153,946▼ 3.9%
2023 · €160,180
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€32,110▲ 83.1%-€53,537€93,042€13,676▼ 85.3%€47,033▲ 244%
Net result€3,092below the sector's middle half▲ 116%-€45,939below the sector's middle half€58,984within the sector's middle half-€32,452below the sector's middle half€2,225below the sector's middle half
Equity€331,068above the sector's middle half▲ 0.9%€285,129above the sector's middle half▼ 13.9%€344,113above the sector's middle half▲ 20.7%€311,660above the sector's middle half▼ 9.4%€313,886above the sector's middle half▲ 0.7%
Total assets€1.3mabove the sector's middle half▼ 3.1%€1.2mabove the sector's middle half▼ 8.4%€382,142within the sector's middle half▼ 68.8%€1.5mabove the sector's middle half▲ 288%€1.4mabove the sector's middle half▼ 7.8%
Debt€962,519▼ 4.4%€938,487▼ 2.5%€18,373▼ 98.0%€1.2m▲ 6,177%€1.0m▼ 10.1%
Working capital€405,322above the sector's middle half▼ 0.6%€314,122above the sector's middle half▼ 22.5%€363,769above the sector's middle half▲ 15.8%€160,180within the sector's middle half▼ 56.0%€153,946within the sector's middle half▼ 3.9%
Solvency24.8%below the sector's middle half▲ 1.0pp23.3%below the sector's middle half▼ 1.5pp90.0%above the sector's middle half▲ 66.7pp21.0%below the sector's middle half▼ 69.1pp22.9%below the sector's middle half▲ 1.9pp
Current ratio9.09above the sector's middle half▲ 1.338.29above the sector's middle half▼ 0.8020.80above the sector's middle half▲ 12.512.21within the sector's middle half▼ 18.593.85within the sector's middle half▲ 1.64
Return on assets (ROA)0.2%below the sector's middle half▲ 0.1pp-3.8%below the sector's middle half▼ 4.0pp15.4%within the sector's middle half▲ 19.2pp-2.2%below the sector's middle half▼ 17.6pp0.2%below the sector's middle half▲ 2.3pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 244% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.4m
Fixed assets
€1.2m ▼ 2.6%
Current assets
€207,957 ▼ 28.9%
Equity and liabilities €1.4m
Equity
€313,886 ▲ 0.7%
Provisions
€18,619 ▼ 5.3%
Debt
€1.0m ▼ 10.1%
Debt's share of the balance-sheet total falls from 77.7% to 75.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€84,471▲
2023 · €35,309
Cash flow
€39,663▲
2023 · -€10,820
Debt to equity
3.30▼
2023 · 3.70
ROE
0.7%▲
2023 · -10.4%
Interest coverage
1.84▲
2023 · 1.45
Debt ≤ 1 year
€54,011▼
2023 · €132,476
Debt > 1 year
€982,779▼
2023 · €1.0m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,678 companies that looked in July 2024 the way this one looks now, 0.9% went bankrupt within 24 months and 97% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
0.9%
went bankrupt
1.9%
stopped otherwise
97%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,678 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €18,665 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €30,408 | €31,271 | - | €21,632 | €37,438 | ▲ 73.1% |
| Other operating charges640/8 | - | €31,010 | €1,672 | €15,748 | - | - |
| Non-recurring operating charges66A | - | - | - | - | €0 | - |
| Gross operating margin9900 | €62,518 | €8,743 | €94,714 | €51,057 | €84,471 | ▲ 65.4% |
| Operating profit (loss)9901 | €32,110 | -€53,537 | €93,042 | €13,676 | €47,033 | ▲ 244% |
| Financial income75/76B | - | - | €8,808 | - | - | - |
| Recurring financial income75 | - | - | €8,808 | - | - | - |
| Financial charges65/66B | - | €34,652 | €23,192 | €24,385 | €45,845 | ▲ 88.0% |
| Recurring financial charges65 | €22,561 | €34,652 | €23,192 | €24,385 | €45,845 | ▲ 88.0% |
| Profit (loss) for the period before taxes9903 | €9,548 | -€88,189 | €78,658 | -€10,709 | €1,188 | ▲ 111% |
| Transfer from deferred taxes780 | - | €42,250 | - | - | €1,037 | - |
| Transfer to deferred taxes680 | - | - | €19,656 | - | - | - |
| Income taxes67/77 | €8,081 | - | €18 | €21,743 | - | - |
| Profit (loss) for the period9904 | €3,092 | -€45,939 | €58,984 | -€32,452 | €2,225 | ▲ 107% |
| Transfer from tax-exempt reserves789 | - | €126,750 | - | €35,482 | €3,112 | ▼ 91.2% |
| Transfer to tax-exempt reserves689 | - | - | €58,968 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €7,967 | €80,811 | €16 | €3,029 | €5,338 | ▲ 76.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.3m | €1.2m | €382,142 | €1.5m | €1.4m | ▼ 7.8% |
| Fixed assets21/28 | €880,396 | €866,376 | - | €1.2m | €1.2m | ▼ 2.6% |
| Tangible fixed assets22/27 | €880,396 | €866,376 | - | €1.2m | €1.2m | ▼ 2.6% |
| Land and buildings22 | - | €866,376 | - | €1.2m | €1.2m | ▼ 3.1% |
| Plant, machinery and equipment23 | - | - | - | €2,491 | €1,957 | ▼ 21.4% |
| Furniture and vehicles24 | - | - | - | - | €6,735 | - |
| Current assets29/58 | €455,441 | €357,240 | €382,142 | €292,656 | €207,957 | ▼ 28.9% |
| Amounts receivable after more than one year29 | - | €140,000 | €140,000 | €90,000 | - | - |
| Trade receivables290 | - | €140,000 | €140,000 | €90,000 | - | - |
| Amounts receivable within one year40/41 | €194,681 | €214,954 | €232,289 | €187,116 | €206,482 | ▲ 10.3% |
| Trade receivables40 | - | €4,954 | €22,146 | €15,825 | €35,823 | ▲ 126% |
| Other amounts receivable41 | - | €210,000 | €210,143 | €171,291 | €170,659 | ▼ 0.4% |
| Cash at bank and in hand54/58 | €15,760 | €2,286 | €9,853 | €15,540 | €1,475 | ▼ 90.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.3m | €1.2m | €382,142 | €1.5m | €1.4m | ▼ 7.8% |
| Equity10/15 | €331,068 | €285,129 | €344,113 | €311,660 | €313,886 | ▲ 0.7% |
| Contributions10/11 | €19,000 | €19,000 | €19,000 | €19,000 | €19,000 | = |
| Reserves13 | €164,132 | €37,382 | €96,350 | €60,868 | €57,756 | ▼ 5.1% |
| Non-distributable reserves130/1 | - | €1,900 | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,900 | - | - | - | - |
| Tax-exempt reserves132 | - | €35,482 | €94,450 | €58,968 | €55,856 | ▼ 5.3% |
| Distributable reserves133 | - | - | €1,900 | €1,900 | €1,900 | = |
| Profit (loss) carried forward14 | €147,936 | €228,747 | €228,763 | €231,792 | €237,130 | ▲ 2.3% |
| Provisions and deferred taxes16 | €42,250 | - | €19,656 | €19,656 | €18,619 | ▼ 5.3% |
| Deferred taxes168 | - | - | €19,656 | €19,656 | €18,619 | ▼ 5.3% |
| Amounts payable17/49 | €962,519 | €938,487 | €18,373 | €1.2m | €1.0m | ▼ 10.1% |
| Amounts payable after more than one year17 | €912,400 | €877,345 | - | €1.0m | €982,779 | ▼ 3.7% |
| Financial debts170/4 | - | €877,345 | - | €1.0m | €982,779 | ▼ 3.7% |
| Amounts payable within one year42/48 | €50,119 | €43,118 | €18,373 | €132,476 | €54,011 | ▼ 59.2% |
| Current portion of amounts payable after more than one year42 | - | €35,055 | - | €36,508 | €38,000 | ▲ 4.1% |
| Trade debts44 | - | €1,351 | €49 | €2,100 | €1,764 | ▼ 16.0% |
| Suppliers440/4 | - | €1,351 | €49 | €2,100 | €1,764 | ▼ 16.0% |
| Taxes, remuneration and social security45 | - | €5,982 | €9 | - | - | - |
| Taxes450/3 | - | €5,982 | €9 | - | - | - |
| Other amounts payable47/48 | - | €730 | €18,315 | €93,868 | €14,247 | ▼ 84.8% |
| Accrued charges and deferred income492/3 | - | €18,023 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,092 | -€45,939 | €58,984 | -€32,452 | €2,225 | ▲ 107% |
| + Depreciation and write-downs630 | €30,408 | €31,271 | - | €21,632 | €37,438 | ▲ 73.1% |
| Operating cash flow (approximation) | €33,500 | -€14,668 | €58,984 | -€10,820 | €39,663 | ▲ 467% |
| Investment in fixed assets (approximation) | - | -€17,251 | - | - | -€6,860 | - |
| Change in cash | - | -€13,474 | €7,567 | €5,687 | -€14,065 | ▼ 347% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
04-08
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 01-07-2026
- Registered-office move, rue de Verlée 5 - 4590 OUFFET
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Back to profitnet €2,225
Net result €2,225 after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
2023
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 85 days late
2022
31-12
Financial
Back to profitnet €58,984
Net result €58,984 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 20.80
Current ratio from 8.29 to 20.80; short-term debt falls from €43,118 to €18,373.
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
31-12
Financial
Weakest financial yearnet -€45,939
Net result drops to -€45,939, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Back to profitnet €1,434
Net result €1,434 after one loss-making year.
Show earlier events
31-12
Financial
Liquidity triplescurrent ratio 7.75
Current ratio from 3.10 to 7.75; short-term debt falls from €84,161 to €60,368.
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 91 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
13-03
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 225 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 9 acts read
About the unread acts
Of the 9 Belgian State Gazette acts we know for this company, 1 has been read. The other 8 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Durbuy · 1 establishment unit since 1984
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.
Ch. de la Vieille Chapelle(Ben.) 156941 DurbuyGround area
4,429 m²
Building footprint
861 m²
Volume, LiDAR
6,586 m³
Parcel 61043B0412/00C000, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Route du Condroz 308, 4550 Nandrin
since 19842.023.446.130
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61043B0412/00C000 | Wallonia | 4,429 m² | 1 · 861 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 12,174 companies in sector 69201 we hold annual accounts for 7,641. 6,027 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-11-1983
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
46900Non-specialised wholesale trade
Contact
E-mail
b.decroix@afgembloux.be
Phone
081/61.15.13
Fax
081/61.53.18
E-invoicing
Reachable via Peppol
Peppol ID
0208:0424868809
Also
9925:BE0424868809
Registered
18-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.