NEAU CONCEPT
ActiveSummary
The annual accounts of NEAU CONCEPT for fiscal year 2025 show a net loss of 88% of total assets and of 63% of the equity at the start of that year. The 2025 annual accounts show equity of €2,559 and a net result of -€4,410. Equity is shrinking by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 51% of 3507 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency76▲+24
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.04 against 1.28 in 2024; short-term debt: 48.9% and cash: 100% of total assets), and 48.9% of the assets are financed with debt.
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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 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.1%
Return on assets
-88%
Age of the figures
9 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€4,410
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
45 d early
2023
36 d early
2022
31 d early
2021
12 d early
2020
15 d early
2019
5 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 28 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€2,559▼ 63.3%
2024 · €6,969
Total assets
€5,009▼ 80.8%
2024 · €26,147
Net result
-€4,410▲ 73.8%
2024 · -€16,847
Working capital
€2,559▼ 51.8%
2024 · €5,314
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€5,817▲ 21.7%€12,769€1,333▼ 89.6%-€16,493-€4,065▲ 75.4%
Net result-€6,738below the sector's middle half▲ 28.9%€11,574within the sector's middle half-€191within the sector's middle half-€16,847below the sector's middle half▼ 8,723%-€4,410below the sector's middle half▲ 73.8%
Equity€12,433within the sector's middle half▼ 35.1%€24,006within the sector's middle half▲ 93.1%€23,815within the sector's middle half▼ 0.8%€6,969below the sector's middle half▼ 70.7%€2,559below the sector's middle half▼ 63.3%
Total assets€87,509within the sector's middle half▼ 26.8%€94,052within the sector's middle half▲ 7.5%€99,687within the sector's middle half▲ 6.0%€26,147below the sector's middle half▼ 73.8%€5,009below the sector's middle half▼ 80.8%
Debt€75,076▼ 25.2%€70,046▼ 6.7%€75,871▲ 8.3%€19,178▼ 74.7%€2,449▼ 87.2%
Working capital-€4,803below the sector's middle half€16,099within the sector's middle half€19,848within the sector's middle half▲ 23.3%€5,314within the sector's middle half▼ 73.2%€2,559within the sector's middle half▼ 51.8%
Solvency14.2%below the sector's middle half▼ 1.8pp25.5%within the sector's middle half▲ 11.3pp23.9%within the sector's middle half▼ 1.6pp26.7%within the sector's middle half▲ 2.8pp51.1%within the sector's middle half▲ 24.4pp
Current ratio0.94below the sector's middle half▼ 0.111.23within the sector's middle half▲ 0.291.26within the sector's middle half▲ 0.031.28within the sector's middle half▲ 0.022.04within the sector's middle half▲ 0.77
Return on assets (ROA)-7.7%below the sector's middle half▲ 0.2pp12.3%within the sector's middle half▲ 20.0pp-0.2%within the sector's middle half▼ 12.5pp-64.4%below the sector's middle half▼ 64.2pp-88.0%below the sector's middle half▼ 23.6pp
Staff (FTE)1.3▲ 30.0%1.1▼ 15.4%1▼ 9.1%1=
above
within
below
the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4,065 in 2025 against €16,493 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €5,009
Equity
€2,559 ▼ 63.3%
Debt
€2,449 ▼ 87.2%
Debt's share of the balance-sheet total falls from 73.3% to 48.9%. Equity and debt are lower.
Key figures and ratios
Debt to equity
0.96▼
2024 · 2.75
ROE
-172.3%▲
2024 · -241.7%
Debt ≤ 1 year
€2,449▼
2024 · €19,178
Income taxes
€0▲
2024 · €0
Staff costs
€4,065▼
2024 · €31,678
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,815 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.9%
went bankrupt
9.8%
stopped otherwise
88%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,815 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €10,000 | €8,264 | ▼ 17.4% |
| Remuneration, social security and pensions62 | €27,600 | €28,935 | €32,958 | €31,678 | €4,065 | ▼ 87.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,040 | €9,328 | €3,880 | €2,313 | - | - |
| Other operating charges640/8 | €1,379 | €1,779 | €2,065 | €1,550 | €691 | ▼ 55.4% |
| Non-recurring operating charges66A | - | - | - | - | €1,655 | - |
| Gross operating margin9900 | €32,202 | €52,811 | €40,237 | €19,048 | €2,346 | ▼ 87.7% |
| Operating profit (loss)9901 | -€5,817 | €12,769 | €1,333 | -€16,493 | -€4,065 | ▲ 75.4% |
| Financial income75/76B | €18 | €1 | €47 | €1 | €0 | ▼ 17.5% |
| Recurring financial income75 | €18 | €1 | €47 | €1 | €0 | ▼ 17.5% |
| Financial charges65/66B | €662 | €89 | €203 | €354 | €345 | ▼ 2.4% |
| Recurring financial charges65 | €662 | €89 | €203 | €354 | €345 | ▼ 2.4% |
| Profit (loss) for the period before taxes9903 | -€6,462 | €12,681 | €1,177 | -€16,847 | -€4,409 | ▲ 73.8% |
| Income taxes67/77 | €277 | €1,107 | €1,368 | €0 | €0 | ▲ 550% |
| Profit (loss) for the period9904 | -€6,738 | €11,574 | -€191 | -€16,847 | -€4,410 | ▲ 73.8% |
| Profit (loss) for the period to be appropriated9905 | -€6,738 | €11,574 | -€191 | -€16,847 | -€4,410 | ▲ 73.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €87,509 | €94,052 | €99,687 | €26,147 | €5,009 | ▼ 80.8% |
| Fixed assets21/28 | €17,236 | €7,908 | €3,967 | €1,655 | - | - |
| Tangible fixed assets22/27 | €17,176 | €7,848 | €3,967 | €1,655 | - | - |
| Plant, machinery and equipment23 | €5,928 | €2,572 | €1,912 | €1,252 | - | - |
| Furniture and vehicles24 | €9,812 | €5,275 | €2,055 | €403 | - | - |
| Leasing and similar rights25 | €1,436 | - | - | - | - | - |
| Financial fixed assets28 | €60 | €60 | - | - | - | - |
| Current assets29/58 | €70,273 | €86,145 | €95,719 | €24,492 | €5,009 | ▼ 79.5% |
| Stocks and contracts in progress3 | €20,598 | €22,259 | €10,858 | €2,999 | - | - |
| Stocks30/36 | €20,598 | €22,259 | €10,858 | €2,999 | - | - |
| Amounts receivable within one year40/41 | €16,046 | €31,027 | €2,277 | €2,060 | - | - |
| Trade receivables40 | €15,928 | €30,054 | €578 | €2,060 | - | - |
| Other amounts receivable41 | €119 | €974 | €1,699 | - | - | - |
| Cash at bank and in hand54/58 | €31,940 | €30,977 | €79,247 | €17,361 | €5,009 | ▼ 71.2% |
| Deferred charges and accrued income490/1 | €1,688 | €1,881 | €3,337 | €2,072 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €87,509 | €94,052 | €99,687 | €26,147 | €5,009 | ▼ 80.8% |
| Equity10/15 | €12,433 | €24,006 | €23,815 | €6,969 | €2,559 | ▼ 63.3% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | - | - | - |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | €1,860 | - | - | - |
| Profit (loss) carried forward14 | -€8,027 | €3,546 | €3,355 | -€11,631 | -€16,041 | ▼ 37.9% |
| Amounts payable17/49 | €75,076 | €70,046 | €75,871 | €19,178 | €2,449 | ▼ 87.2% |
| Amounts payable within one year42/48 | €75,076 | €70,046 | €75,871 | €19,178 | €2,449 | ▼ 87.2% |
| Trade debts44 | €10,372 | €11,654 | €13,419 | €9,430 | €44 | ▼ 99.5% |
| Suppliers440/4 | €10,372 | €11,654 | €13,419 | €9,430 | €44 | ▼ 99.5% |
| Taxes, remuneration and social security45 | €12,610 | €10,570 | €5,821 | €5,409 | €34 | ▼ 99.4% |
| Taxes450/3 | €3,999 | €6,364 | €1,368 | €917 | €34 | ▼ 96.3% |
| Remuneration and social security454/9 | €8,611 | €4,206 | €4,453 | €4,492 | - | - |
| Other amounts payable47/48 | €52,094 | €47,822 | €56,631 | €4,339 | €2,371 | ▼ 45.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,738 | €11,574 | -€191 | -€16,847 | -€4,410 | ▲ 73.8% |
| + Depreciation and write-downs630 | €9,040 | €9,328 | €3,880 | €2,313 | - | - |
| Operating cash flow (approximation) | €2,302 | €20,902 | €3,689 | -€14,534 | -€4,410 | ▲ 69.7% |
| Investment in fixed assets (approximation) | - | €0 | €60 | €0 | - | - |
| Change in cash | - | -€963 | €48,270 | -€61,886 | -€12,353 | ▲ 80.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€16,847
Net result drops to -€16,847, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €11,574
Net result €11,574 after 3 loss-making years.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Courcelles · 3 establishment units since 2014
Ground area
4,215 m²
Building footprint
707 m²
Volume, LiDAR
4,052 m³
3 parcels, Wallonia · tallest building 15.0 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
NEAU CONCEPT
since 20142.233.801.617
NEAU CONCEPT
since 20162.254.948.805
Le temps d'un chocolat Shopping Nivelles
since 20192.290.447.043
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52031B0009/00P002 | Wallonia | 2,603 m² | 1 · 101 m² | 8.0 m · 2 fl. |
| 25783E0243/00A002 | Wallonia | 1,567 m² | 1 · 579 m² | 15.0 m · 2 fl. |
| 25782D0484/00B000 | Wallonia | 45 m² | 1 · 27 m² | 9.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,561 companies in sector 74999 we hold annual accounts for 1,936. 444 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-08-2014
Fiscal year end31-12
Activities, NACEBEL 2025
74999Other professional, scientific and technical activities
46180Agents specialised in the wholesale of other particular products
46360Wholesale trade
46370Wholesale trade
47242Retail sale of chocolate and confectionery
47251Retail sale of wines and spirits
47784Retail sale of souvenirs and religious articles
82990Other business support services
Contact
E-mail
brunolescut@icloud.comNivelles
Phone
0479/58.45.27Nivelles
E-mail
info@letempsdunchocolat.beNivelles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0559879149
Also
9925:BE0559879149
Registered
04-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.