MICA CONCEPT
ActiveMICA CONCEPT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €811k and a net result of €290k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 32% of 621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy▲ +49 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency39▲+15
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.07 in 2024), and 76.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
23.6%
Return on assets
8.4%
Age of the figures
8 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
30 d late
2022
31 d late
2021
26 d late
2020
30 d late
2019
28 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€811k▲ 55.6%
2024 · €521k
2018: €37k
2019: €25k
2020: €496k
2021: €696k
2022: €777k
2023: €749k
2024: €521k
2018 → 2025
Total assets
€3.44M▲ 8.6%
2024 · €3.17M
2018: €2.00M
2019: €3.51M
2020: €3.22M
2021: €2.48M
2022: €3.34M
2023: €2.70M
2024: €3.17M
2018 → 2025
Net result
€290k
2024 · €-199k
2018: €29k
2019: €-12k
2020: €471k
2021: €200k
2022: €81k
2023: €-28k
2024: €-199k
2018 → 2025
Working capital
€512k▲ 219%
2024 · €160k
2018: €49k
2019: €23k
2020: €341k
2021: €483k
2022: €549k
2023: €455k
2024: €160k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€696k-€777k▲ 11.6%€749k▼ 3.6%€521k▼ 30.4%€811k▲ 55.6%
Operating result€332k-€169k▼ 49.2%€63k▼ 62.6%€-86k€432k
Net result€200k-€81k▼ 59.8%€-28k€-199k▼ 616%€290k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €432k after a loss of €86k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.44M
Fixed assets
€588k▼ 10.1%
Current assets
€2.85M▲ 13.4%
Equity and liabilities €3.44M
Equity
€811k▲ 55.6%
Debt
€2.63M▼ 0.7%
The debt ratio falls from 83.6% to 76.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€498k▲
2024 · €-21k
Cash flow
€356k▲
2024 · €-134k
Solvency
23.6%▲
2024 · 16.4%
Current ratio
1.22▲
2024 · 1.07
Quick ratio
0.10▲
2024 · 0.02
Debt / equity
3.24▼
2024 · 5.08
ROE
35.7%▲
2024 · -38.2%
ROA
8.4%▲
2024 · -6.3%
Interest coverage
5.03▲
2024 · -0.19
Debt
€2.63M▼
2024 · €2.65M
Debt ≤ 1 year
€2.34M▼
2024 · €2.36M
Debt > 1 year
€259k▼
2024 · €275k
Income taxes
€43k
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€3.17M€3.44M▲
Fixed assets21/28€654k€588k▼
Tangible fixed assets22/27€653k€587k▼
Land and buildings22€480k€452k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€103k€77k▼
Other tangible fixed assets26€64k€56k▼
Financial fixed assets28€1k€1k=
Current assets29/58€2.52M€2.85M▲
Stocks and contracts in progress3€2.47M€2.61M▲
Stocks30/36€2.47M€866k▼
Contracts in progress37-€1.74M
Amounts receivable within one year40/41€21k€9k▼
Trade receivables40€69€42▼
Other amounts receivable41€21k€9k▼
Cash at bank and in hand54/58€14k€226k▲
Deferred charges and accrued income490/1€10k€8k▼
Equity and liabilities
Total equity and liabilities10/49€3.17M€3.44M▲
Equity10/15€521k€811k▲
Contributions10/11€6k€6k=
Reserves13€742k€805k▲
Distributable reserves133€742k€805k▲
Profit (loss) carried forward14€-227k€0▲
Amounts payable17/49€2.65M€2.63M▼
Amounts payable after more than one year17€275k€259k▼
Financial debts170/4€275k€259k▼
Amounts payable within one year42/48€2.36M€2.34M▼
Current portion of amounts payable after more than one year42€17k-
Financial debts43€1.70M€1.22M▼
Credit institutions430/8€1.70M€1.22M▼
Trade debts44€49k€19k▼
Suppliers440/4€49k€19k▼
Advances received on contracts in progress46-€200k
Taxes, remuneration and social security45€17k€30k▲
Taxes450/3€11k€24k▲
Remuneration and social security454/9€6k€6k=
Other amounts payable47/48€571k€875k▲
Accrued charges and deferred income492/3€18k€30k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€66k▲
Other operating charges640/8€36k€28k▼
Gross operating margin9900€15k€526k▲
Operating profit (loss)9901€-86k€432k▲
Financial charges65/66B€113k€99k▼
Recurring financial charges65€113k€99k▼
Profit (loss) for the period before taxes9903€-199k€333k▲
Income taxes67/77-€43k
Profit (loss) for the period9904€-199k€290k▲
Profit (loss) for the period to be appropriated9905€-199k€290k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-227k€63k▲
Profit (loss) brought forward from the previous period14P€-28k€-227k▼
Transfer from equity791/2€29k-
Transfer to equity691/2-€63k
To other reserves6921-€63k
Profit to be distributed694/7€29k-
Return on contributions (dividend)694€29k-
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €290k
Net result €290k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-199k
Net result drops to €-199k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
2021
31-12
Financial
Equity above €500kEq €696k ▲40.4%
2 profitable years in a row build equity to €696k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Back to profitnet €471k
Net result €471k after one loss-making year.
31-12
Financial
Equity above €200kEq €496k ▲1914%
Equity rises from €25k to €496k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 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, Leuven · 1 establishment unit since 2010
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.
Albert Giraudstraat 143000 LeuvenGround area
155 m²
Building footprint
141 m²
Volume, LiDAR
803 m³
Parcel 24502C0494/00E015, Flanders · tallest building 10.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
MICA CONCEPT
since 20102.193.975.001
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502C0494/00E015 | Flanders | 155 m² | 1 · 141 m² | 10.6 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 200 EUR awarded · 200 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 200 EUR | 200 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,450 companies in sector 74130 we hold annual accounts for 341. 126 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-11-2010
Fiscal year end31-12
Activities, NACEBEL
74104Other professional, scientific and technical activities
74130Interior design
41003General construction of other non-residential buildings
68121Development of residential building projects
70200Business and other management consultancy
70220Business consulting
71112Activities of interior architects
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:+32477197031