K-ONCEPT
ActiveSummary
K-ONCEPT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €324k and a net result of €-70k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 41% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-60
Solvency70▼-1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 2.47 against 2.32 in 2024; short-term debt: 16.9% and cash: 33.4% of total assets), but 55.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-03-2026, 136 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
136 d early
2024
66 d early
2023
27 d early
2022
18 d early
2021
37 d early
2020
17 d early
2019
22 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€324k▼ 17.9%
2024 · €394k
2018: €139k
2019: €215k
2020: €190k
2021: €267k
2022: €349k
2023: €390k
2024: €394k
2018 → 2025
Total assets
€725k▼ 15.9%
2024 · €861k
2018: €387k
2019: €447k
2020: €608k
2021: €841k
2022: €961k
2023: €906k
2024: €861k
2018 → 2025
Net result
€-70k
2024 · €4k
2018: €-39k
2019: €77k
2020: €16k
2021: €77k
2022: €83k
2023: €41k
2024: €4k
2018 → 2025
Working capital
€180k▼ 11.6%
2024 · €204k
2018: €24k
2019: €105k
2020: €30k
2021: €184k
2022: €154k
2023: €186k
2024: €204k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€267k-€349k▲ 31.0%€390k▲ 11.7%€394k▲ 1.0%€324k▼ 17.9%
Operating result€112k-€120k▲ 6.9%€69k▼ 42.6%€18k▼ 73.9%€-67k
Net result€77k-€83k▲ 7.2%€41k▼ 50.5%€4k▼ 90.8%€-70k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €67k after €18k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €725k
Fixed assets
€422k ▼ 16.1%
Current assets
€302k ▼ 15.6%
Equity and liabilities €725k
Equity
€324k ▼ 17.9%
Debt
€401k ▼ 14.2%
Debt's share of the balance-sheet total rises from 54.2% to 55.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-21k▼
2024 · €68k
Cash flow
€-25k▼
2024 · €54k
Current ratio
2.47▲
2024 · 2.32
Debt to equity
1.24▲
2024 · 1.19
ROE
-21.8%▼
2024 · 1.0%
ROA
-9.7%▼
2024 · 0.4%
Interest coverage
-2.06▼
2024 · 5.77
Debt ≤ 1 year
€122k▼
2024 · €155k
Debt > 1 year
€273k▼
2024 · €306k
Income taxes
€8k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€861k€725k▼
Fixed assets21/28€503k€422k▼
Tangible fixed assets22/27€503k€422k▼
Land and buildings22€472k€401k▼
Plant, machinery and equipment23€415€277▼
Furniture and vehicles24€31k€21k▼
Current assets29/58€358k€302k▼
Amounts receivable within one year40/41€56k€34k▼
Trade receivables40€43k€16k▼
Other amounts receivable41€13k€19k▲
Current investments50/53€18k€18k=
Cash at bank and in hand54/58€277k€242k▼
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€861k€725k▼
Equity10/15€394k€324k▼
Contributions10/11€6k€6k=
Reserves13€388k€317k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€386k€316k▼
Amounts payable17/49€467k€401k▼
Amounts payable after more than one year17€306k€273k▼
Financial debts170/4€306k€273k▼
Amounts payable within one year42/48€155k€122k▼
Current portion of amounts payable after more than one year42€37k€35k▼
Trade debts44€29k€12k▼
Suppliers440/4€29k€12k▼
Taxes, remuneration and social security45€8k€0▼
Taxes450/3€8k€0▼
Other amounts payable47/48€81k€75k▼
Accrued charges and deferred income492/3€7k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€46k▼
Other operating charges640/8€12k€16k▲
Gross operating margin9900€81k€-5k▼
Operating profit (loss)9901€18k€-67k▼
Financial income75/76B€0€15k▲
Recurring financial income75€0€15k▲
Financial charges65/66B€12k€10k▼
Recurring financial charges65€12k€10k▼
Profit (loss) for the period before taxes9903€6k€-62k▼
Income taxes67/77€2k€8k▲
Profit (loss) for the period9904€4k€-70k▼
Profit (loss) for the period to be appropriated9905€4k€-70k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-70k▼
Transfer from equity791/2-€70k
Transfer to equity691/2€4k€0▼
To other reserves6921€4k€0▼
The notes to these accounts (10 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
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-70k ▼1964%
Net result drops to €-70k, the lowest in the series.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €83k ▲7.2%
Operating result €120k, net result €83k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €267k ▲40.7%
3 profitable years in a row build equity to €267k.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €77k
Net result €77k after one loss-making year.
31-12
Financial
Equity above €200kEq €215k ▲55.4%
Equity rises from €139k to €215k.
Show earlier events
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 36 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Roeselare · 1 establishment unit since 2006
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.
Mgr. Eugeen Laridonstraat 478800 RoeselareGround area
469 m²
Building footprint
100 m²
Volume, LiDAR
1 m³
Parcel 36504D0685/00V002, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
K-ONCEPT
since 20062.153.145.820
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36504D0685/00V002 | Flanders | 469 m² | 1 · 100 m² | 0.1 m |
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
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STUDIO SEGERS - BRANTS
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Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 851 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-03-2006
Fiscal year end31-12
Activities, NACEBEL 2025
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.