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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of IN2-CONCRETE is 0.7% (low). The 2025 annual accounts show equity of €886k and a net result of €-23k. Equity is growing by ~80.7% per year across the filed fiscal years. Its solvency ranks better than 74% of 478 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 7 annual accounts.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-12-2025, 33 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 9 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-06-2025 | 31-01-2026 | 29-12-2025 | 33 d early | 2025-00592402 |
| 30-06-2024 | 31-01-2025 | 09-01-2025 | 22 d early | 2025-00003083 |
| 30-06-2023 | 31-01-2024 | 08-01-2024 | 23 d early | 2024-00546136 |
| 30-06-2022 | 31-01-2023 | 20-01-2023 | 11 d early | 2023-00004084 |
| 30-06-2021 | 31-01-2022 | 31-01-2022 | on the day | 2022-04700531 |
| 30-06-2020 | 31-01-2021 | 26-01-2021 | 5 d early | 2021-01900516 |
| 30-06-2019 | 31-01-2020 | 23-01-2020 | 8 d early | 2020-02000058 |
| 30-06-2018 | 31-01-2019 | 31-01-2019 | on the day | 2019-03900156 |
| 31-12-2016 | 31-07-2017 | 22-07-2017 | 9 d early | 2017-34900546 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsEstablished
Founded in 2015, 11 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.7%
Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector
+Long track record
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-23k
Working capital€238k+2.9%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 29-12-2025 with the NBB · fiscal year 2025 · verkort
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~80.7%/year over 7 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 44.7% | 21.2% | |
| Net result | €-23k | €33k | |
| Equity | €886k | €166k | |
| Gross operating margin | €464k | €282k | |
| Staff costs | €249k | €212k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P74
Improving position over 2020-2025
· n=478-1225
P19
Weakening position over 2020-2025
· n=476-1224
P90
Improving position over 2020-2025
· n=478-1225
P68
Stable position over 2020-2025
· n=478-1223
Describes the position versus peers, not a forecast.
€205k
+39.4%
19-25
€-23k
-
19-25
€75k
-24.6%
19-25
€1.98M
-6.5%
19-25
€886k
-2.6%
19-25
€238k
+2.9%
19-25
5
+2.3%
19-25
€249k
+5.3%
19-25
€37k
+131.1%
19-25
€0
-
19-25
€1.10M
-9.4%
19-25
€542k
-9.3%
19-25
€551k
-9.8%
19-25
1.44
+3.8%
19-25
0.76
-9.7%
19-25
44.7%
+4.2%
19-25
1.24
-7.0%
19-25
-2.6%
-
19-25
-1.2%
-
19-25
1.89
-52.4%
19-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €205k |
| Net profit | €-23k |
| Cash flow | €75k |
| Staff costs | €249k |
| Income taxes | €37k |
| Dividends | - |
| Total assets | €1.98M |
| Equity | €886k |
| Debt | €1.10M |
| of which ≤ 1y | €542k |
| of which > 1y | €551k |
| Working capital | €238k |
| Employees (FTE) | 4.5 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.44 |
| Quick ratio | 0.76 |
| Working capital ratio | 12.0% |
| Solvency | 44.7% |
| Debt / equity | 1.24 |
| Long-term debt ratio | 0.62 |
| Interest coverage | 1.89 |
| Gross margin | - |
| Net margin | - |
| ROA | -1.2% |
| ROE | -2.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.98M |
| Fixed assets | 21/28 | €1.20M |
| Intangible fixed assets | 21 | €23k |
| Tangible fixed assets | 22/27 | €1.18M |
| Current assets | 29/58 | €780k |
| Stocks & contracts in progress | 3 | €370k |
| Amounts receivable within one year | 40/41 | €318k |
| Cash & bank | 54/58 | €60k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.98M |
| Equity | 10/15 | €886k |
| Contributions / capital | 10/11 | €25k |
| Reserves | 13 | €265k |
| Accumulated profits (losses) | 14 | €-29k |
| Amounts payable | 17/49 | €1.10M |
| Amounts payable after one year | 17 | €551k |
| Amounts payable within one year | 42/48 | €542k |
| Trade debts payable within one year | 44 | €181k |
| Income statement | ||
| Gross operating margin | 9900 | €464k |
| Operating result | 9901 | €106k |
| Financial income | 75 | €16k |
| Financial charges | 65 | €109k |
| Result before taxes | 9903 | €14k |
| Income taxes | 67/77 | €37k |
| Net result for the period | 9904 | €-23k |
| Result to be appropriated | 9905 | €-23k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed48
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Directors
Directors & mandates
2 directorsHistoric, not recently confirmed (1)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
-
Course 2 Steer Comm.V.Legal entityManager· perm. rep.: Thomas De WitteState Gazette act 15112170 (04-08-2015)Not recently confirmedlast confirmed in an act from 2015
Former directors (1)
-
Former- → 01-07-2015
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Groothandel in bouwmaterialen, algemeen assortiment(46831) |
| Legal form | Private limited company(610) |
| Incorporation | 23-02-2015 |
| Status | Active |
| Postal code | 9860 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationIN2-CONCRETE
since 20152.241.895.276
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area2,006 m²
Buildings1
Building footprint882 m²
Volume (LiDAR)4,666 m³
Tallest building7.2 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44052A0393/00N000 | Flanders | 2,006 m² | 1 · 882 m² | 7.2 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
7 acts Address history · 1
23-03-2018
v3.2
All acts · 7
updated 7 months ago
2026
02-01-2026 Publication in the Belgian Official Gazette, Miscellaneous
Summary:
proposal
2024
30-08-2024 Articles of association amended
Summary:
v3.2
26-06-2024 Publication in the Belgian Official Gazette, Miscellaneous
Summary:
proposal
2018
23-03-2018 Registered office moved from Gijzenzele to Oosterzele
- Gijzenzelestraat 10, 9860 Gijzenzele → Lange Ambachtstraat 10, 9860 Oosterzele
Summary:
v3.2
2017
21-12-2017 Publication in the Belgian Official Gazette, Minor change
Summary:
v3.2
2015
04-08-2015 1 director appointed, 1 resigning
25-02-2015 Incorporation of a new BV
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes55
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
48
Profitability
0
Solvency
77
Growth
52
Stability
100
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Credit advice
verdict per customer and amountSimilar
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Company registry
Company registry (CBE)
Crossroads BankActivities
Groothandel in bouwmaterialen, algemeen assortiment46731Groothandel in bouwmaterialen, algemeen assortiment46831Bouwmarkten en andere doe-het-zelfzaken in bouwmaterialen, algemeen assortiment47521Detailhandel in ijzerwaren, bouwmaterialen, verf en glas (algemeen assortiment)47521Groothandel in machines voor de mijnbouw, de bouwnijverheid en de weg- en waterbouw46630Groothandel in machines voor de mijnbouw, de bouwnijverheid en de weg- en waterbouw46630
Primary activity highlighted.
Names & trade names
| Legal nameNL | IN2-CONCRETE |
Registered office
Lange Ambachtstraat 10
9860 Oosterzele, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.