IDF CONCEPT
ActiveIDF CONCEPT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.06M and a net result of €39k. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 57% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▼-19
Solvency88▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity short (current ratio 0.98 against 0.9 in 2024; short-term debt: 32.3% and cash: 0.9% of total assets), and 36.7% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
2.3%
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
31 d late
2022
42 d early
2021
37 d early
2020
25 d early
2019
39 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.06M▲ 0.9%
2024 · €1.05M
2018: €349k
2019: €383k
2020: €556k
2021: €729k
2022: €892k
2023: €988k
2024: €1.05M
2018 → 2025
Total assets
€1.68M▼ 2.0%
2024 · €1.71M
2018: €822k
2019: €1.51M
2020: €1.55M
2021: €1.68M
2022: €1.61M
2023: €1.54M
2024: €1.71M
2018 → 2025
Net result
€39k▼ 38.2%
2024 · €63k
2018: €45k
2019: €34k
2020: €172k
2021: €174k
2022: €163k
2023: €96k
2024: €63k
2018 → 2025
Working capital
€-10k▲ 77.3%
2024 · €-46k
2018: €29k
2019: €-65k
2020: €-80k
2021: €194k
2022: €111k
2023: €37k
2024: €-46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€729k-€892k▲ 22.4%€988k▲ 10.8%€1.05M▲ 6.4%€1.06M▲ 0.9%
Operating result€72k-€50k▼ 30.9%€75k▲ 50.7%€98k▲ 30.6%€65k▼ 33.2%
Net result€174k-€163k▼ 6.1%€96k▼ 41.2%€63k▼ 34.1%€39k▼ 38.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.68M
Fixed assets
€1.15M▼ 12.8%
Current assets
€531k▲ 33.8%
Equity and liabilities €1.68M
Equity
€1.06M▲ 0.9%
Debt
€616k▼ 6.6%
The debt ratio falls from 38.5% to 36.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€87k▼
2024 · €119k
Cash flow
€61k▼
2024 · €85k
Solvency
63.3%▲
2024 · 61.5%
Current ratio
0.98▲
2024 · 0.90
Quick ratio
0.98▲
2024 · 0.90
Debt / equity
0.58▼
2024 · 0.63
ROE
3.7%▼
2024 · 6.0%
ROA
2.3%▼
2024 · 3.7%
Interest coverage
3.91▼
2024 · 7.64
Debt
€616k▼
2024 · €659k
Debt ≤ 1 year
€541k▲
2024 · €442k
Debt > 1 year
€62k▼
2024 · €213k
Income taxes
€15k▼
2024 · €22k
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€1.71M€1.68M▼
Fixed assets21/28€1.31M€1.15M▼
Tangible fixed assets22/27€393k€374k▼
Land and buildings22€380k€366k▼
Plant, machinery and equipment23€12k€7k▼
Furniture and vehicles24€1k€740▼
Financial fixed assets28€921k€771k▼
Current assets29/58€397k€531k▲
Amounts receivable after more than one year29€30k€30k=
Other amounts receivable291€30k€30k=
Amounts receivable within one year40/41€342k€486k▲
Trade receivables40-€225
Other amounts receivable41€342k€486k▲
Cash at bank and in hand54/58€24k€15k▼
Equity and liabilities
Total equity and liabilities10/49€1.71M€1.68M▼
Equity10/15€1.05M€1.06M▲
Contributions10/11€60k€60k=
Reserves13€68k€38k▼
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€60k€30k▼
Profit (loss) carried forward14€924k€963k▲
Amounts payable17/49€659k€616k▼
Amounts payable after more than one year17€213k€62k▼
Financial debts170/4€213k€62k▼
Amounts payable within one year42/48€442k€541k▲
Current portion of amounts payable after more than one year42€162k€54k▼
Financial debts43€250k€250k=
Credit institutions430/8€0-
Other loans439€250k€250k=
Trade debts44€8k€20k▲
Suppliers440/4€8k€20k▲
Taxes, remuneration and social security45€22k€35k▲
Taxes450/3€22k€35k▲
Other amounts payable47/48€728€183k▲
Accrued charges and deferred income492/3€4k€13k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€122k€90k▼
Operating profit (loss)9901€98k€65k▼
Financial income75/76B€3k€11k▲
Recurring financial income75€3k€11k▲
Financial charges65/66B€16k€22k▲
Recurring financial charges65€16k€22k▲
Profit (loss) for the period before taxes9903€85k€54k▼
Income taxes67/77€22k€15k▼
Profit (loss) for the period9904€63k€39k▼
Profit (loss) for the period to be appropriated9905€63k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€924k€963k▲
Profit (loss) brought forward from the previous period14P€860k€924k▲
Transfer from equity791/2-€30k
Profit to be distributed694/7-€30k
Return on contributions (dividend)694-€30k
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €1MEq €1.05M ▲6.4%
7 profitable years in a row build equity to €1.05M.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €174k ▲0.7%
Net result €174k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 1.90
Current ratio from 0.55 to 1.90.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €500kEq €556k ▲45%
3 profitable years in a row build equity to €556k.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €34k ▼25.1%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Blégny · 1 establishment unit since 2008
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.
Rue du Vicinal 664670 BlégnyGround area
2,142 m²
Building footprint
223 m²
Volume, LiDAR
1,273 m³
Parcel 62103B0134/00B002, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IDF CONCEPT
since 20082.174.524.719
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62103B0134/00B002 | Wallonia | 2,142 m² | 1 · 223 m² | 8.2 m · 2 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.
Similar companies · same sector, comparable size
Tommi
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A. WESTGEEST
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MURMENS INVEST
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Herti
BE 0792.689.938
Oostende · Eq €1.06M
Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 27,200 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded22-10-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68121Development of residential building projects
68122Development of non-residential building projects
46140Agents in the wholesale of industrial machinery, ships and aircraft
46474Wholesale trade
47552Retail sale of lighting equipment
47592Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.