IN CONCRETO
ActiveIN CONCRETO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14.17M and a net result of €355k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 94% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+22
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.15M at 30 days acceptable
Liquidity ample (current ratio 27.2 against 28.48 in 2024; short-term debt: 3.1% and cash: 3.3% of total assets), and 3.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
96.7%
Return on assets
2.4%
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 · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
13 d late
2024
2 d early
2023
12 d early
2022
13 d early
2021
24 d early
2020
50 d early
2019
51 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€14.17M▲ 1.7%
2024 · €13.93M
2018: €7.09M
2019: €7.13M
2020: €9.11M
2021: €9.19M
2022: €9.28M
2023: €9.38M
2024: €13.93M
2018 → 2025
Total assets
€14.64M▲ 2.0%
2024 · €14.35M
2018: €7.16M
2019: €7.17M
2020: €9.23M
2021: €9.30M
2022: €9.30M
2023: €9.43M
2024: €14.35M
2018 → 2025
Net result
€355k▼ 92.2%
2024 · €4.55M
2018: €73k
2019: €42k
2020: €1.97M
2021: €88k
2022: €88k
2023: €101k
2024: €4.55M
2018 → 2025
Working capital
€11.95M▲ 2.8%
2024 · €11.63M
2018: €998k
2019: €1.08M
2020: €3.11M
2021: €3.23M
2022: €3.37M
2023: €3.45M
2024: €11.63M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9.19M-€9.28M▲ 1.0%€9.38M▲ 1.1%€13.93M▲ 48.4%€14.17M▲ 1.7%
Operating result€113k-€126k▲ 11.0%€120k▼ 4.6%€-95k€239k
Net result€88k-€88k▲ 0.2%€101k▲ 14.9%€4.55M▲ 4,383%€355k▼ 92.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €239k after a loss of €95k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14.64M
Fixed assets
€2.23M▼ 2.9%
Current assets
€12.41M▲ 2.9%
Equity and liabilities €14.64M
Equity
€14.17M▲ 1.7%
Debt
€477k▲ 12.5%
The debt ratio rises from 3.0% to 3.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€305k▲
2024 · €-30k
Cash flow
€421k▼
2024 · €4.61M
Solvency
96.7%▼
2024 · 97.0%
Current ratio
27.20▼
2024 · 28.48
Quick ratio
27.20▼
2024 · 28.48
Debt / equity
0.03▲
2024 · 0.03
ROE
2.5%▼
2024 · 32.6%
ROA
2.4%▼
2024 · 31.7%
Interest coverage
7.42▲
2024 · -2.43
Debt
€477k▲
2024 · €424k
Debt ≤ 1 year
€456k▲
2024 · €423k
Income taxes
€103k▼
2024 · €457k
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€14.35M€14.64M▲
Fixed assets21/28€2.30M€2.23M▼
Tangible fixed assets22/27€1.33M€1.26M▼
Land and buildings22€1.28M€1.23M▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€48k€27k▼
Other tangible fixed assets26€3k€3k▼
Financial fixed assets28€970k€970k=
Current assets29/58€12.05M€12.41M▲
Amounts receivable after more than one year29€1.00M€1.00M=
Other amounts receivable291€1.00M€1.00M=
Amounts receivable within one year40/41€11k€82k▲
Trade receivables40€10k-
Other amounts receivable41€1k€82k▲
Current investments50/53€10.01M€10.84M▲
Cash at bank and in hand54/58€1.02M€488k▼
Deferred charges and accrued income490/1€11k€3k▼
Equity and liabilities
Total equity and liabilities10/49€14.35M€14.64M▲
Equity10/15€13.93M€14.17M▲
Contributions10/11€5.02M€5.02M=
Reserves13€8.91M€8.88M▼
Tax-exempt reserves132€91k€175k▲
Distributable reserves133€8.82M€8.71M▼
Profit (loss) carried forward14-€267k
Amounts payable17/49€424k€477k▲
Amounts payable within one year42/48€423k€456k▲
Trade debts44€14k€3k▼
Suppliers440/4€14k€3k▼
Taxes, remuneration and social security45€408k€412k▲
Taxes450/3€408k€412k▲
Other amounts payable47/48€951€42k▲
Accrued charges and deferred income492/3€958€21k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€66k▲
Other operating charges640/8€13k€14k▲
Gross operating margin9900€-17k€319k▲
Operating profit (loss)9901€-95k€239k▲
Financial income75/76B€5.11M€261k▼
Recurring financial income75€5.11M€261k▼
Financial charges65/66B€12k€41k▲
Recurring financial charges65€12k€41k▲
Profit (loss) for the period before taxes9903€5.00M€459k▼
Income taxes67/77€457k€103k▼
Profit (loss) for the period9904€4.55M€355k▼
Transfer to tax-exempt reserves689-€84k
Profit (loss) for the period to be appropriated9905€4.55M€271k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4.55M€271k▼
Transfer from equity791/2-€115k
Transfer to equity691/2€4.55M-
To other reserves6921€4.55M-
Profit to be distributed694/7-€119k
Return on contributions (dividend)694-€115k
Directors or managers695-€4k
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
Next filing, fiscal year 2026, expected by
2026
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 13 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €4.55M ▲4383%
Net result €4.55M, the highest in the series.
31-12
Financial
Equity above €10MEq €13.93M ▲48.4%
7 profitable years in a row build equity to €13.93M.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity times 11current ratio 393.07
Current ratio from 34.79 to 393.07; short-term debt falls from €96k to €9k.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €42k ▼43.4%
Net result drops to €42k, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Herselt · 1 establishment unit 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.
Limberg 212230 HerseltGround area
1,140 m²
Building footprint
151 m²
Volume, LiDAR
810 m³
Parcel 13392M0357/00D002, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
In Concreto
since 20102.194.172.959
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13392M0357/00D002 | Flanders | 1,140 m² | 1 · 151 m² | 9.5 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.
Recognitions · licences · registrations
Legal Entity Identifier
894500VSXRLN2ON8GE67
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 5,272 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2010
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.