I&F CONCEPT

Active Risk: not assessed

Public limited companyfounded 1986active for 39 years't Helleke(Kor) 18, 8500 Kortrijk, BelgiumKBO/BCE: BE 0429.990.805

From the official registers: KBO 39 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

I&F CONCEPT is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.5m and a net result of €21,549. Equity has been stable since 2018 (±2% per year). Its solvency ranks better than 93% of 6,687 sector peers (NACE 64, financial year 2025). The company has been active since 1986 and the Belgian Official Gazette contains no insolvency or warning signals.

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I&F CONCEPTActive

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Official details

KBO

Status: Active since 15-12-1986 Normal situation
Activity: Activities of holding companies NACE 64210
Establishment unit: 2.031.231.666 8500 Kortrijk, since 31-12-1986
Financial year end: 31 December
Peppol: Reachable since 27-03-2026

Company details

Board and ownership

Board

Frank VauterinManaging director
Isabelle StaelraeveDirector · since 07-06-2022

Holdings: Shares in 1 company LAHOUSSE

Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model

Annual accounts 2025

Profit: €21,549; ▲ 9.0%
Equity: €1.5m; ▲ 1.4%
Total assets: €1.6m; ▲ 0.4%

Filed on 30-04-2026, 92 days before the deadlinePDF

Financials

SignalsneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model

Model not applicable to financial institutions

The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.

Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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Signals

1 signal.

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 30-04-2026, 92 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

92 days early

2024

13 days early

2023

50 days early

2022

31 days late

2021

30 days late

2020

31 days late

2019

91 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 4 days after the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 18 July (4 of the last 5 accounts filed within 44 days either side of that date).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

That holds for every publication since 2021.

KBO publications

Key points

Positive: Higher solvency than 93% of companies in financial servicessector median 50.8% · 6,687 companies 97.3% View
Positive: 8 profitable years in a rowprofit 2025: €21,549 8 years View

Comparable companies

These companies have the same main activity as I&F CONCEPT: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €1.4m and €1.8m, founded between 1984 and 1991.

Company	Total assets	Gross margin
I&F CONCEPT Kortrijk	€1.6m	€0.03m
VVM Management Knokke-Heist	€1.4m	€0.03m
FADAK Ieper	€1.5m	€0.04m
MATTON Ninove	€1.4m	€0.03m
EURORENT - BRUSSELS Ukkel	€1.5m	€0.03m
LOGOS Schilde	€1.8m	€0.03m
KANNUNIKEN HOEVE Meerhout	€1.5m	€0.03m

Full comparison

Documents

Key facts about I&F CONCEPT

What is the company number of I&F CONCEPT?: The company number of I&F CONCEPT is 0429.990.805. The VAT number is the same number with BE in front: BE 0429.990.805.
Where is I&F CONCEPT based?: The registered office is at 't Helleke(Kor) 18, 8500 Kortrijk.Company details
What does I&F CONCEPT do?: According to the KBO register, the main activity is activities of holding companies (NACE 64210).
What is the legal form of I&F CONCEPT?: The legal form of I&F CONCEPT is Public limited company (NV).
When was I&F CONCEPT founded?: I&F CONCEPT was founded on 15-12-1986.
Is I&F CONCEPT still active?: Yes, I&F CONCEPT is an active enterprise in the KBO register.
What is the turnover of I&F CONCEPT?: The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €30,642 and 1,222 comparable companies of the same size. It probably lies between €58,000 and €210,000. It is a rough estimate.Financials
Is I&F CONCEPT profitable?: In financial year 2025, I&F CONCEPT made a profit of €21,549.
Where can I find the annual accounts of I&F CONCEPT?: I&F CONCEPT filed 39 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of I&F CONCEPT due?: I&F CONCEPT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

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Overview