Financials
- Fiscal year
- 2025
- Total assets
- €578,368
- Profit
- €16,539
- Solvency
- 46.6%
INA CONCEPT
ActiveSummary
INA CONCEPT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €269,246 and a net result of €16,539. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 53% of 8741 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
What they do
Non-specialised wholesale trade
NACE 46900
1 site
How big
€578,368total assets 2025
- Staff
- 0.9 FTE
- Equity
- €269,246
- Profit
- €16,539
Turnover not published (abridged schema)
Who decides
Accounts 25 d early0 of 3 deeds read
Why 87- 2 of the last 3 late+ Liquidity: current ratio 1.86, cash €180,667+ Equity €269,246 (46.6% of total assets)+ Founded in 2016Show the evidence
Checked score
Score 2025
87
/ 100
Excellent
Probability in this band: under 0.55%
Better than 55% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
72-8
equity 46.6% of total assets
Liquidity
62+15
short-term debt 53.4% · cash 31.2%
Profitability
51+39
return on assets 2.9%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- 2 of the last 3 late raises the probability
- Liquidity: current ratio 1.86, cash €180,667 lowers the probability
- Equity €269,246 (46.6% of total assets) lowers the probability
- Founded in 2016 lowers the probability for this profile
Credit up to €23,000 at 30 days acceptable
Liquidity ample (current ratio 1.86 against 2.19 in 2024; short-term debt: 53.4% and cash: 31.2% of total assets), but 53.4% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 54%, liquidity 68%, profitability 39%, growth against the median 58%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 06-07-2026, 25 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
25 d early
2024
32 d late
2023
152 d late
2022
73 d late
2021
5 d early
2020
12 d early
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 31 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 1 September (4 of the last 5 filed years within 57 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Back to profitnet €16,539
- Annual accounts filedfiscal year 2024 · abbreviated…
Key points
By topic
Timeline
- Events
- 15
- Since
- 2018
- Next accounts
- by 31-07-2027
- 06-07-2026Annual accounts filed
- 31-12-2025Back to profit
- 01-09-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Non-specialised wholesale tradeNACE 46900
- Founded
- 25-02-2016
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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