ION CONCEPT
ActiveSummary
ION CONCEPT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€16,330) and a net result of -€3,841. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 17179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.38 against 0.46 in 2024; short-term debt: 264.8% of total assets), and equity is negative.
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Signals
Six 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-164.8%
Return on assets
-38.8%
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€16,330
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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
18 d late
2024
89 d late
2023
68 d late
2022
64 d late
2021
131 d late
2020
496 d late
2019
861 d late
← 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 247 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
-€16,330▼ 30.7%
2024 · -€12,490
Total assets
€9,908▼ 5.4%
2024 · €10,474
Net result
-€3,841▲ 42.0%
2024 · -€6,621
Working capital
-€16,330▼ 30.7%
2024 · -€12,490
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€5,899▲ 44.9%-€8,301▼ 40.7%€2,556-€2,095-€2,069▲ 1.2%
Net result-€8,626▲ 38.6%-€10,994▼ 27.5%€2,005-€6,621-€3,841▲ 42.0%
Equity€3,121▼ 73.4%-€7,874-€5,869▲ 25.5%-€12,490▼ 113%-€16,330▼ 30.7%
Total assets€40,290▼ 18.5%€27,733▼ 31.2%€16,464▼ 40.6%€10,474▼ 36.4%€9,908▼ 5.4%
Debt€37,169▼ 1.4%€35,607▼ 4.2%€22,333▼ 37.3%€22,964▲ 2.8%€26,238▲ 14.3%
Working capital€3,571▼ 69.6%-€7,422-€5,869▲ 20.9%-€12,490▼ 113%-€16,330▼ 30.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2,069 in 2025 against €2,095 in 2024; the loss shrinks.
Key figures and ratios
Solvency
-164.8%▼
2024 · -119.2%
Current ratio
0.38▼
2024 · 0.46
Debt to equity
-1.61▲
2024 · -1.84
ROA
-38.8%▲
2024 · -63.2%
Debt ≤ 1 year
€26,238▲
2024 · €22,964
Income taxes
€0▼
2024 · €2,769
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,943 companies that looked in July 2024 the way this one looks now, 5.5% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.5%
went bankrupt
8.1%
stopped otherwise
85%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,943 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €800 | €6,397 | €884 | €1,332 | €894 | ▼ 32.9% |
| Non-recurring operating charges66A | - | - | - | - | €393 | - |
| Gross operating margin9900 | -€5,099 | -€1,904 | €3,441 | -€763 | -€782 | ▼ 2.5% |
| Operating profit (loss)9901 | -€5,899 | -€8,301 | €2,556 | -€2,095 | -€2,069 | ▲ 1.2% |
| Financial income75/76B | €438 | €414 | €781 | - | - | - |
| Recurring financial income75 | €438 | €414 | €781 | - | - | - |
| Financial charges65/66B | €3,048 | €3,108 | €1,332 | €1,757 | €1,771 | ▲ 0.8% |
| Recurring financial charges65 | €3,048 | €3,108 | €1,332 | €1,757 | €1,771 | ▲ 0.8% |
| Profit (loss) for the period before taxes9903 | -€8,509 | -€10,994 | €2,005 | -€3,852 | -€3,841 | ▲ 0.3% |
| Income taxes67/77 | €117 | - | - | €2,769 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | -€8,626 | -€10,994 | €2,005 | -€6,621 | -€3,841 | ▲ 42.0% |
| Profit (loss) for the period to be appropriated9905 | -€8,626 | -€10,994 | €2,005 | -€6,621 | -€3,841 | ▲ 42.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €40,290 | €27,733 | €16,464 | €10,474 | €9,908 | ▼ 5.4% |
| Current assets29/58 | €40,290 | €27,733 | €16,464 | €10,474 | €9,908 | ▼ 5.4% |
| Amounts receivable after more than one year29 | €29,600 | €19,600 | €7,100 | €7,100 | €7,100 | = |
| Other amounts receivable291 | €29,600 | €19,600 | €7,100 | €7,100 | €7,100 | = |
| Amounts receivable within one year40/41 | €10,690 | €8,133 | €9,364 | €3,374 | €2,808 | ▼ 16.8% |
| Trade receivables40 | €5,267 | €2,382 | €7,005 | €2,115 | €2,115 | = |
| Other amounts receivable41 | €5,423 | €5,751 | €2,359 | €1,259 | €693 | ▼ 45.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €40,290 | €27,733 | €16,464 | €10,474 | €9,908 | ▼ 5.4% |
| Equity10/15 | €3,121 | -€7,874 | -€5,869 | -€12,490 | -€16,330 | ▼ 30.7% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | -€4,939 | -€15,934 | -€13,929 | -€20,550 | -€24,390 | ▼ 18.7% |
| Amounts payable17/49 | €37,169 | €35,607 | €22,333 | €22,964 | €26,238 | ▲ 14.3% |
| Amounts payable within one year42/48 | €36,719 | €35,155 | €22,333 | €22,964 | €26,238 | ▲ 14.3% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €10,297 | - |
| Financial debts43 | €11,638 | €11,489 | €10,836 | €10,546 | €0 | ▼ 100% |
| Credit institutions430/8 | €11,638 | €11,489 | €10,836 | €10,546 | €0 | ▼ 100% |
| Trade debts44 | €18,626 | €18,879 | €7,130 | €1,056 | €580 | ▼ 45.0% |
| Suppliers440/4 | €18,626 | €18,879 | €7,130 | €1,056 | €580 | ▼ 45.0% |
| Taxes, remuneration and social security45 | €502 | €117 | €117 | - | - | - |
| Taxes450/3 | €502 | €117 | €117 | - | - | - |
| Other amounts payable47/48 | €5,954 | €4,670 | €4,250 | €11,363 | €15,360 | ▲ 35.2% |
| Accrued charges and deferred income492/3 | €450 | €451 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€8,626 | -€10,994 | €2,005 | -€6,621 | -€3,841 | ▲ 42.0% |
| Operating cash flow (approximation) | -€8,626 | -€10,994 | €2,005 | -€6,621 | -€3,841 | ▲ 42.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 89 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Back to profitnet €2,005
Net result €2,005 after 5 loss-making years.
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 64 days late
2022
09-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 131 days late
09-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 496 days late
09-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 861 days late
09-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1227 days late
09-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1592 days late
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 543 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Namur · 1 establishment unit since 2009
Ground area
262 m²
Building footprint
73 m²
Parcel 92010D0413/00X002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Aimé Arnould(BL) 40, 5001 Namur
since 20092.178.133.515
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92010D0413/00X002 | Wallonia | 262 m² | 1 · 73 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 16,910 companies in sector 62100 we hold annual accounts for 8,778. 2,250 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded21-04-2009
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
47400Retail sale of information and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0811265834
Also
9925:BE0811265834
Registered
27-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.