NCA CONCEPT
ActiveThe computed 12-month bankruptcy probability of NCA CONCEPT is 1.8% (moderate). The 2025 annual accounts show equity of €120k and a net result of €25k. Equity is growing by ~33.8% per year across the filed fiscal years. Its solvency ranks better than 81% of 7431 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-4
Solvency98▲+29
Growth52=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.34 against 1.73 in 2024; short-term debt: 27.2% and cash: 6% of total assets), and 27.2% 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+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
72.8%
Return on assets
15.3%
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 26-08-2026, 26 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 · 4 filingsDeviation from the deadline
2025
26 d late
2024
308 d late
2023
112 d late
2022
466 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, micro schema
Equity
€120k▲ 26.6%
2024 · €95k
2022: €44k
2023: €54k
2024: €95k
2022 → 2025
Total assets
€165k▼ 23.1%
2024 · €214k
2022: €154k
2023: €71k
2024: €214k
2022 → 2025
Net result
€25k▼ 37.5%
2024 · €40k
2022: €44k
2023: €8k
2024: €40k
2022 → 2025
Working capital
€105k▲ 20.1%
2024 · €87k
2022: €41k
2023: €53k
2024: €87k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€44k-€54k▲ 22.5%€95k▲ 74.1%€120k▲ 26.6%
Operating result€57k-€11k▼ 80.1%€52k▲ 365%€40k▼ 23.1%
Net result€44k-€8k▼ 81.3%€40k▲ 387%€25k▼ 37.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165k
Fixed assets
€15k▲ 102%
Current assets
€150k▼ 27.6%
Equity and liabilities €165k
Equity
€120k▲ 26.6%
Debt
€45k▼ 62.5%
The debt ratio falls from 55.7% to 27.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▼
2024 · €55k
Cash flow
€29k▼
2024 · €44k
Solvency
72.8%▲
2024 · 44.3%
Current ratio
3.34▲
2024 · 1.73
Quick ratio
3.34▲
2024 · 1.73
Debt / equity
0.37▼
2024 · 1.26
ROE
21.0%▼
2024 · 42.6%
ROA
15.3%▼
2024 · 18.8%
Interest coverage
113.05▼
2024 · 142.81
Debt
€45k▼
2024 · €119k
Debt ≤ 1 year
€45k▼
2024 · €119k
Income taxes
€16k▲
2024 · €13k
Staff costs
€253▼
2024 · €450
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€214k€165k▼
Fixed assets21/28€7k€15k▲
Tangible fixed assets22/27€7k€15k▲
Plant, machinery and equipment23€963€11k▲
Furniture and vehicles24€7k€4k▼
Current assets29/58€207k€150k▼
Amounts receivable within one year40/41€196k€139k▼
Trade receivables40€159k€97k▼
Other amounts receivable41€37k€41k▲
Cash at bank and in hand54/58€11k€10k▼
Deferred charges and accrued income490/1€293€1k▲
Equity and liabilities
Total equity and liabilities10/49€214k€165k▼
Equity10/15€95k€120k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€93k€118k▲
Amounts payable17/49€119k€45k▼
Amounts payable within one year42/48€119k€45k▼
Trade debts44€95k€16k▼
Suppliers440/4€95k€16k▼
Taxes, remuneration and social security45€24k€29k▲
Taxes450/3€24k€29k▲
Income statement
Code20242025
Remuneration, social security and pensions62€450€253▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€4k€4k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€60k€48k▼
Operating profit (loss)9901€52k€40k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€388€386▼
Recurring financial charges65€388€386▼
Profit (loss) for the period before taxes9903€53k€42k▼
Income taxes67/77€13k€16k▲
Profit (loss) for the period9904€40k€25k▼
Profit (loss) for the period to be appropriated9905€40k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€93k€118k▲
Profit (loss) brought forward from the previous period14P€53k€93k▲
The notes to these accounts (8 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 308 days late
2025
31-12
Financial
Equity above €100kEq €120k ▲26.6%
4 profitable years in a row build equity to €120k.
2024
20-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 112 days late
08-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 466 days late
2023
31-12
Financial
Weakest financial yearnet €8k ▼81.3%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 4.21
Current ratio from 1.38 to 4.21; short-term debt falls from €109k to €16k.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Wemmel · 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.
Koningin Astridlaan 591780 WemmelGround area
6,411 m²
Building footprint
2,100 m²
Volume, LiDAR
21,794 m³
2 parcels, Brussels, Flanders · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
NCA CONCEPT
since 20212.317.603.083
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0407/00D011indicative | Flanders | 6,201 m² | 1 · 1,886 m² | 15.3 m · 3 fl. |
| 21304B0061/00N005 | Brussels | 210 m² | 1 · 214 m² | 17.9 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 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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EURELEC
BE 0437.147.425
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RENA CONCEPT
BE 0845.262.948
Zaventem · Eq €120k
ALGEMENE BOUWONDERNEMING GEBR. MAES
BE 0449.997.153
Oudsbergen · Eq €120k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,972 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.