KONKRETE SECURITY
ActiveKONKRETE SECURITY has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6k and a net result of €16k. Equity is growing by ~55.7% per year across the filed fiscal years. Its solvency ranks better than 35% of 2687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency54▼-46
Growth72▼-13
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
28.5%
Return on assets
73.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 5 filingsDeviation from the deadline
2025
30 d late
2024
15 d late
2023
20 d late
2022
25 d early
2021
23 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€13k▲ 69.7%
2021 · €8k
2021: €8k
2021 → 2022
EBIT margin
71.6%▲ 43.8pp
2021 · 27.8%
2021: 27.8%
2021 → 2022
Net result
€16k▲ 93.2%
2024 · €9k
2021: €2k
2022: €7k
2023: €9k
2024: €9k
2021 → 2025
Working capital
€4k▼ 85.2%
2024 · €30k
2021: €7k
2022: €13k
2023: €21k
2024: €30k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€8k-€13k▲ 69.7%
Equity€7k-€13k▲ 105%€23k▲ 68.9%€31k▲ 37.7%€6k▼ 79.6%
Operating result€2k-€9k▲ 338%€12k▲ 32.3%€11k▼ 11.3%€22k▲ 102%
Net result€2k-€7k▲ 354%€9k▲ 34.3%€9k▼ 7.6%€16k▲ 93.2%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 102% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22k
Fixed assets
€2k▲ 58.7%
Current assets
€20k▼ 32.1%
Equity and liabilities €22k
Equity
€6k▼ 79.6%
Debt
€16k▲ 20,143%
The debt ratio rises from 0.3% to 71.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€23k▲
2024 · €12k
Cash flow
€17k▲
2024 · €9k
Solvency
28.5%▼
2024 · 99.7%
Current ratio
1.28
Quick ratio
1.28
Debt / equity
2.50▲
2024 · 0.00
ROE
258.7%▲
2024 · 27.4%
ROA
73.8%▲
2024 · 27.3%
Interest coverage
257.78▲
2024 · 168.16
Debt
€16k▲
2024 · €79
Debt ≤ 1 year
€16k▲
2024 · €79
Income taxes
€6k▲
2024 · €3k
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€31k€22k▼
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€2k▲
Furniture and vehicles24€1k€2k▲
Current assets29/58€30k€20k▼
Amounts receivable within one year40/41€16k€8k▼
Trade receivables40-€8k
Other amounts receivable41€16k€360▼
Cash at bank and in hand54/58€14k€12k▼
Equity and liabilities
Total equity and liabilities10/49€31k€22k▼
Equity10/15€31k€6k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€26k€1k▼
Amounts payable17/49€79€16k▲
Amounts payable within one year42/48€79€16k▲
Trade debts44€79€320▲
Suppliers440/4€79€320▲
Taxes, remuneration and social security45-€5k
Taxes450/3-€5k
Other amounts payable47/48-€10k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€706€814▲
Other operating charges640/8-€220
Gross operating margin9900€12k€23k▲
Operating profit (loss)9901€11k€22k▲
Financial income75/76B€311-
Recurring financial income75€311-
Financial charges65/66B€69€89▲
Recurring financial charges65€69€89▲
Profit (loss) for the period before taxes9903€11k€22k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€9k€16k▲
Profit (loss) for the period to be appropriated9905€9k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€43k▲
Profit (loss) brought forward from the previous period14P€18k€26k▲
Profit to be distributed694/7-€41k
Return on contributions (dividend)694-€41k
The notes to these accounts (5 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
31-12
Financial
Highest result since 2021net €16k ▲93.2%
Operating result €22k, net result €16k, both a record.
15-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 15 days late
2024
31-12
Financial
Liquidity times 76current ratio 380.68
Current ratio from 5.01 to 380.68; short-term debt falls from €5k to €79.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 20 days late
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
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, Havelange · 1 establishment unit since 2021
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.
Ruelle de Huy(MI) 155376 HavelangeGround area
211 m²
Building footprint
161 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
KONKRETE SECURITY
since 20212.314.441.180
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62813E0262/00L000 | Wallonia | 110 m² | 1 · 113 m² | - |
| 91091B0023/00G000 | Wallonia | 101 m² | 1 · 48 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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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BE 1006.596.417
Ninove · Eq €6k
HOOFDVOGEL
BE 1011.071.679
Zoersel · Eq €6k
Zemik
BE 0763.926.864
Watermaal-Bosvoorde · Eq €6k
Consultgen
BE 0749.706.070
Sint-Agatha-Berchem · Eq €6k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 7,183 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2021
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.