MD CONCEPT HOME
ActiveMD CONCEPT HOME has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €351k and a net result of €101k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 5.68 against 5.34 in 2024; short-term debt: 17.5% and cash: 95.6% of total assets), and 17.5% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
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
82.5%
Return on assets
23.8%
Age of the figures
9 mo
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 27-03-2026, 126 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
126 d early
2024
136 d early
2023
36 d early
2022
115 d early
2021
52 d early
2020
23 d early
2019
21 d early
← 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, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€101k▼ 43.9%
2024 · €180k
2018: €77k
2019: €58k
2020: €63k
2021: €68k
2022: €54k
2023: €62k
2024: €180k
2018 → 2025
Working capital
€349k▼ 19.3%
2024 · €432k
2018: €189k
2019: €225k
2020: €287k
2021: €303k
2022: €354k
2023: €309k
2024: €432k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€308k-€328k▲ 6.4%€312k▼ 4.8%€434k▲ 39.2%€351k▼ 19.3%
Operating result€103k-€82k▼ 19.7%€92k▲ 11.3%€249k▲ 172%€167k▼ 32.9%
Net result€68k-€54k▼ 19.6%€62k▲ 13.2%€180k▲ 193%€101k▼ 43.9%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €425k
Fixed assets
€2k▼ 6.3%
Current assets
€423k▼ 20.4%
Equity and liabilities €425k
Equity
€351k▼ 19.3%
Debt
€75k▼ 25.2%
The debt ratio falls from 18.7% to 17.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€170k▼
2024 · €251k
Cash flow
€103k▼
2024 · €182k
Solvency
82.5%▲
2024 · 81.3%
Current ratio
5.68▲
2024 · 5.34
Quick ratio
5.68▲
2024 · 5.34
Debt / equity
0.21▼
2024 · 0.23
ROE
28.8%▼
2024 · 41.5%
ROA
23.8%▼
2024 · 33.7%
Interest coverage
283.44▼
2024 · 422.32
Debt
€75k▼
2024 · €100k
Debt ≤ 1 year
€75k▼
2024 · €100k
Income taxes
€66k▼
2024 · €69k
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€534k€425k▼
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€532k€423k▼
Amounts receivable within one year40/41€73k€17k▼
Trade receivables40€67k€17k▼
Other amounts receivable41€6k-
Cash at bank and in hand54/58€459k€406k▼
Deferred charges and accrued income490/1-€133
Equity and liabilities
Total equity and liabilities10/49€534k€425k▼
Equity10/15€434k€351k▼
Contributions10/11€6k€6k=
Reserves13€428k€344k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€426k€343k▼
Amounts payable17/49€100k€75k▼
Amounts payable within one year42/48€100k€75k▼
Trade debts44€2k€789▼
Suppliers440/4€2k€789▼
Taxes, remuneration and social security45€30k€10k▼
Taxes450/3€30k€10k▼
Other amounts payable47/48€68k€64k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€2k€400▼
Gross operating margin9900€253k€170k▼
Operating profit (loss)9901€249k€167k▼
Financial income75/76B€166€777▲
Recurring financial income75€166€777▲
Financial charges65/66B€595€598▲
Recurring financial charges65€595€598▲
Profit (loss) for the period before taxes9903€249k€167k▼
Income taxes67/77€69k€66k▼
Profit (loss) for the period9904€180k€101k▼
Profit (loss) for the period to be appropriated9905€180k€101k▼
Appropriation of the result
Profit (loss) to be appropriated9906€180k€101k▼
Transfer from equity791/2€58k€185k▲
Transfer to equity691/2€180k€101k▼
To other reserves6921€180k€101k▼
Profit to be distributed694/7€58k€185k▲
Return on contributions (dividend)694€58k€185k▲
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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €180k ▲193%
Operating result €249k, net result €180k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €54k ▼19.6%
Net result drops to €54k, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €231k ▲33.3%
2 profitable years in a row build equity to €231k.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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 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.
Trieu do Mont(WP) 605100 NamurGround area
1,443 m²
Building footprint
122 m²
Volume, LiDAR
1,154 m³
Parcel 92135D0232/00B000, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MD CONCEPT HOME sprl
since 20062.150.808.021
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92135D0232/00B000 | Wallonia | 1,443 m² | 1 · 122 m² | 10.8 m · 3 fl. |
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
Abeele Projects
BE 0819.141.145
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MENUISERIE DAMS
BE 0507.694.238
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GUY VERHEYEN
BE 0864.018.590
Brecht · Eq €351k
LAVENS
BE 0452.181.138
Wervik · Eq €350k
Menuiserie GOEBELS et Fils
BE 0452.612.094
Thimister-Clermont · Eq €351k
Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 6,629 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2005
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.