GMP Concept
ActiveGMP Concept has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €26k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 60% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
96
/ 100
Excellent▲ +20 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency84▲+48
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.08 in 2024), and 31.2% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
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
68.8%
Return on assets
33.1%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
19 d late
2023
5 d late
2022
61 d late
2021
30 d late
2020
58 d late
2019
92 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€53k▲ 92.6%
2024 · €28k
2018: €15k
2019: €31k
2020: €30k
2021: €22k
2022: €19k
2023: €12k
2024: €28k
2018 → 2025
Total assets
€77k▼ 34.2%
2024 · €117k
2018: €150k
2019: €129k
2020: €68k
2021: €138k
2022: €53k
2023: €106k
2024: €117k
2018 → 2025
Net result
€26k▲ 61.6%
2024 · €16k
2018: €34k
2019: €15k
2020: €-227
2021: €-8k
2022: €-3k
2023: €-7k
2024: €16k
2018 → 2025
Working capital
€7k▼ 12.2%
2024 · €7k
2018: €126k
2019: €29k
2020: €29k
2021: €22k
2022: €19k
2023: €12k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€19k▼ 15.0%€12k▼ 37.8%€28k▲ 134%€53k▲ 92.6%
Operating result€-8k-€-3k▲ 64.4%€-6k▼ 139%€16k€34k▲ 107%
Net result€-8k-€-3k▲ 59.3%€-7k▼ 113%€16k€26k▲ 61.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 107% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€47k▲ 132%
Current assets
€31k▼ 68.5%
Equity and liabilities €77k
Equity
€53k▲ 92.6%
Debt
€24k▼ 73.2%
The debt ratio falls from 76.5% to 31.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€38k▲
2024 · €17k
Cash flow
€30k▲
2024 · €17k
Solvency
68.8%▲
2024 · 23.5%
Current ratio
1.27▲
2024 · 1.08
Quick ratio
1.27▲
2024 · 1.08
Debt / equity
0.45▼
2024 · 3.26
ROE
48.1%▼
2024 · 57.3%
ROA
33.1%▲
2024 · 13.5%
Interest coverage
83.94▲
2024 · 25.33
Debt
€24k▼
2024 · €90k
Debt ≤ 1 year
€24k▼
2024 · €90k
Income taxes
€8k
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€117k€77k▼
Fixed assets21/28€20k€47k▲
Tangible fixed assets22/27€20k€47k▲
Furniture and vehicles24€3k€3k▲
Other tangible fixed assets26€17k€43k▲
Current assets29/58€97k€31k▼
Amounts receivable within one year40/41€23k€14k▼
Trade receivables40€15k€8k▼
Other amounts receivable41€8k€6k▼
Cash at bank and in hand54/58€74k€16k▼
Deferred charges and accrued income490/1-€750
Equity and liabilities
Total equity and liabilities10/49€117k€77k▼
Equity10/15€28k€53k▲
Contributions10/11€6k€6k=
Reserves13€630€630=
Non-distributable reserves130/1€630€630=
Reserves not available under the articles1311€630€630=
Profit (loss) carried forward14€21k€46k▲
Amounts payable17/49€90k€24k▼
Amounts payable within one year42/48€90k€24k▼
Trade debts44€82k€3k▼
Suppliers440/4€82k€2k▼
Bills of exchange payable441-€185
Taxes, remuneration and social security45-€8k
Taxes450/3-€8k
Other amounts payable47/48€8k€13k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€950€4k▲
Other operating charges640/8-€794
Gross operating margin9900€17k€39k▲
Operating profit (loss)9901€16k€34k▲
Financial charges65/66B€688€454▼
Recurring financial charges65€688€454▼
Profit (loss) for the period before taxes9903€16k€34k▲
Income taxes67/77-€8k
Profit (loss) for the period9904€16k€26k▲
Profit (loss) for the period to be appropriated9905€16k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€46k▲
Profit (loss) brought forward from the previous period14P€5k€21k▲
The notes to these accounts (5 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after 4 loss-making years.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
12-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 104 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Waterloo · 1 establishment unit since 2007
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.
Avenue Lord Uxbridge 161410 WaterlooGround area
1,013 m²
Parcel 25763L0130/00L002, Wallonia. Linked by address, not a title deed.
1 establishment unit
GMP Concept
since 20072.163.406.935
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763L0130/00L002 | Wallonia | 1,012 m² | - | - |
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.
Similar companies · same sector, comparable size
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INFORIM
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FourQ Consulting
BE 0743.528.853
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Sensible Software
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Of 29,884 companies in sector 62200 we hold annual accounts for 18,321. 15,276 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded25-04-2007
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
26200Manufacture of computer, electronic and optical products
30020
43211General electrical installation work
45310
62900Other information technology and computer services
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
72300
72500
72600
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.