HCconcept
ActiveHCconcept has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €40k and a net result of €16k. Equity is growing by ~29.3% per year across the filed fiscal years. Its solvency ranks better than 19% of 9981 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▲+11
Solvency36▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.64 in 2023; short-term debt: 49.3% and cash: 26% of total assets), and 89.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
10.7%
Return on assets
4.2%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 9981 sector peers (2024).
NBB · sector comparisonPosition among 9981 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
2 d early
2022
9 d late
2021
11 d late
2020
26 d early
2019
69 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€40k▲ 65.1%
2023 · €24k
2018: €7k
2019: €9k
2020: €10k
2021: €18k
2022: €19k
2023: €24k
2018 → 2024
Total assets
€374k▲ 35.8%
2023 · €275k
2018: €305k
2019: €412k
2020: €324k
2021: €301k
2022: €317k
2023: €275k
2018 → 2024
Net result
€16k▲ 204%
2023 · €5k
2018: €18k
2019: €2k
2020: €1k
2021: €8k
2022: €523
2023: €5k
2018 → 2024
Working capital
€-5k▲ 89.0%
2023 · €-48k
2018: €-5k
2019: €30k
2020: €15k
2021: €10k
2022: €-72k
2023: €-48k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€10k-€18k▲ 79.9%€19k▲ 2.8%€24k▲ 27.2%€40k▲ 65.1%
Operating result€8k-€19k▲ 135%€8k▼ 55.5%€13k▲ 57.6%€31k▲ 140%
Net result€1k-€8k▲ 492%€523▼ 93.6%€5k▲ 888%€16k▲ 204%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 140% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €374k
Fixed assets
€195k▲ 2.4%
Current assets
€179k▲ 110%
Equity and liabilities €374k
Equity
€40k▲ 65.1%
Debt
€334k▲ 33.0%
The debt ratio falls from 91.2% to 89.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€59k▲
2023 · €38k
Cash flow
€44k▲
2023 · €30k
Solvency
10.7%▲
2023 · 8.8%
Current ratio
0.97▲
2023 · 0.64
Quick ratio
0.97▲
2023 · 0.64
Debt / equity
8.37▼
2023 · 10.40
ROE
39.4%▲
2023 · 21.4%
ROA
4.2%▲
2023 · 1.9%
Interest coverage
6.39▲
2023 · 4.99
Debt
€334k▲
2023 · €251k
Debt ≤ 1 year
€184k▲
2023 · €133k
Debt > 1 year
€149k▲
2023 · €118k
Income taxes
€6k▲
2023 · €209
Staff costs
€27k▼
2023 · €86k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€275k€374k▲
Formation expenses20€0€0=
Fixed assets21/28€190k€195k▲
Tangible fixed assets22/27€190k€195k▲
Land and buildings22€111k€128k▲
Plant, machinery and equipment23€0€3k▲
Furniture and vehicles24€79k€64k▼
Current assets29/58€85k€179k▲
Amounts receivable within one year40/41€69k€79k▲
Trade receivables40€69k€79k▲
Other amounts receivable41€45-
Cash at bank and in hand54/58€7k€97k▲
Deferred charges and accrued income490/1€9k€4k▼
Equity and liabilities
Total equity and liabilities10/49€275k€374k▲
Equity10/15€24k€40k▲
Contributions10/11€15k€15k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133-€2k
Profit (loss) carried forward14€7k€23k▲
Amounts payable17/49€251k€334k▲
Amounts payable after more than one year17€118k€149k▲
Financial debts170/4€118k€149k▲
Amounts payable within one year42/48€133k€184k▲
Current portion of amounts payable after more than one year42€25k€36k▲
Trade debts44€96k€112k▲
Suppliers440/4€96k€112k▲
Taxes, remuneration and social security45€8k€33k▲
Taxes450/3€6k€29k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€4k€4k▲
Income statement
Code20232024
Remuneration, social security and pensions62€86k€27k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€28k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€16k€15k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€145k€105k▼
Operating profit (loss)9901€13k€31k▲
Financial income75/76B€5€119▲
Recurring financial income75€5€119▲
Financial charges65/66B€8k€9k▲
Recurring financial charges65€8k€9k▲
Profit (loss) for the period before taxes9903€5k€22k▲
Income taxes67/77€209€6k▲
Profit (loss) for the period9904€5k€16k▲
Profit (loss) for the period to be appropriated9905€5k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€23k▲
Profit (loss) brought forward from the previous period14P€2k€7k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-12
Financial
Weakest financial yearnet €523 ▼93.6%
Net result drops to €523, the lowest in the series; recovery starts the following year.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB 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, Verviers · 2 establishment units since 2010
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 Edouard Cordonnier 1314800 VerviersGround area
5,437 m²
Building footprint
3,294 m²
Volume, LiDAR
21,611 m³
2 parcels, Wallonia · tallest building 11.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
HCconcept
since 20102.185.032.886
Avenue Jardin Ecole 44, 4820 Dison
since 20242.368.716.442
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63020B0286/00P002 | Wallonia | 5,160 m² | 1 · 3,173 m² | 11.5 m · 2 fl. |
| 63576A0170/00X002 | Wallonia | 277 m² | 1 · 121 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,852 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2010
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
46831Wholesale of construction materials, general range
77221Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.hcconcept.be
E-mail:o.brenu@hcconcept.be