Summary
Netconcept is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €13.1m and a net result of €1.1m. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 66% of 2413 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
3 d early
2023
43 d early
2022
13 d early
2021
6 d early
2020
44 d early
2019
15 d early
← 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 22 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
In the rankings
#10 company by total assets in Schoten, Finance and insurance sector#10 company by equity in Schoten, Finance and insurance sector
Equity
€13.1m▲ 9.0%
2024 · €12.0m
Net result
€1.1m▲ 844%
2024 · €113,896
Total assets
€16.8m▼ 3.0%
2024 · €17.3m
Solvency
77.9%▲ 8.5pp
2024 · 69.4%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€370,414-€10,451-€56,578▼ 441%-€149,959▼ 165%-€115,685▲ 22.9%
Net result€330,009▲ 583,574%€26,176▼ 92.1%€408,626▲ 1,461%€113,896▼ 72.1%€1.1m▲ 844%
Equity€11.5m▲ 3.0%€11.5m▲ 0.2%€11.9m▲ 3.6%€12.0m▲ 1.0%€13.1m▲ 9.0%
Total assets€16.8m▲ 32.8%€16.5m▼ 2.0%€17.5m▲ 5.9%€17.3m▼ 0.8%€16.8m▼ 3.0%
Debt€5.4m▲ 250%€5.0m▼ 6.7%€5.6m▲ 11.3%€5.3m▼ 4.7%€3.7m▼ 30.0%
Working capital€7.3m▲ 0.6%€6.8m▼ 6.4%€8.8m▲ 29.0%€11.2m▲ 27.6%€12.6m▲ 13.0%
Solvency68.1%▼ 19.8pp69.7%▲ 1.5pp68.1%▼ 1.5pp69.4%▲ 1.2pp77.9%▲ 8.5pp
Staff (FTE)0.5=0.4▼ 20.0%
Why a figure moved sharply
- 2025 Net result +844% on 2024. The accounts now follow the full schema, last year the abbreviated schema.
- 2024 Net result -72% on 2023. Cause not known from the registers.
- 2023 Net result +1,461% on 2022. Cause not known from the registers.
- 2022 Net result -92% on 2021. Cause not known from the registers.
- 2021 Net result +583,574% on 2020. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €115,685 in 2025 against €149,959 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16.8m
Fixed assets
€4.1m ▲ 3.9%
Current assets
€12.6m ▼ 5.1%
Equity and liabilities €16.8m
Equity
€13.1m ▲ 9.0%
Debt
€3.7m ▼ 30.0%
Debt's share of the balance-sheet total falls from 30.6% to 22.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
8.2%▲
2024 · 0.9%
ROA
6.4%▲
2024 · 0.7%
Debt ≤ 1 year
€26,446▼
2024 · €2.1m
Debt > 1 year
€3.6m▲
2024 · €3.1m
Income taxes
€520▲
2024 · €427
A ratio outside any meaningful range has been withheld (balance sheet total €16.8m, equity €13.1m).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €359,795 | - |
| Remuneration, social security and pensions62 | €18,284 | €12,961 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €79,424 | €96,141 | €113,410 | €110,621 | €111,774 | ▲ 1.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €30,600 | - | €52,607 | - |
| Other operating charges640/8 | €17,471 | €50,457 | €20,162 | €99,595 | €159,773 | ▲ 60.4% |
| Gross operating margin9900 | €485,593 | €149,108 | €107,594 | €60,257 | €208,469 | ▲ 246% |
| Operating profit (loss)9901 | €370,414 | -€10,451 | -€56,578 | -€149,959 | -€115,685 | ▲ 22.9% |
| Financial income75/76B | €63,914 | €132,824 | €1.5m | €400,140 | €1.2m | ▲ 208% |
| Recurring financial income75 | €63,914 | €132,824 | €1.5m | €400,140 | €1.2m | ▲ 208% |
| Financial charges65/66B | €70,933 | €95,900 | €984,732 | €135,858 | €42,676 | ▼ 68.6% |
| Recurring financial charges65 | €70,933 | €95,900 | €984,732 | €135,858 | €83,494 | ▼ 38.5% |
| Non-recurring financial charges66B | - | - | - | - | -€40,818 | - |
| Profit (loss) for the period before taxes9903 | €363,394 | €26,473 | €409,149 | €114,323 | €1.1m | ▲ 841% |
| Income taxes67/77 | €33,384 | €297 | €522 | €427 | €520 | ▲ 21.6% |
| Profit (loss) for the period9904 | €330,009 | €26,176 | €408,626 | €113,896 | €1.1m | ▲ 844% |
| Profit (loss) for the period to be appropriated9905 | €330,009 | €26,176 | €408,626 | €113,896 | €1.1m | ▲ 844% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €16.8m | €16.5m | €17.5m | €17.3m | €16.8m | ▼ 3.0% |
| Fixed assets21/28 | €5.3m | €5.9m | €4.4m | €4.0m | €4.1m | ▲ 3.9% |
| Tangible fixed assets22/27 | €2.9m | €2.9m | €2.8m | €2.7m | €2.6m | ▼ 3.5% |
| Land and buildings22 | €2.7m | €2.7m | €2.6m | €2.5m | €2.5m | ▼ 2.7% |
| Plant, machinery and equipment23 | €66,550 | €84,638 | €73,784 | €68,367 | €73,296 | ▲ 7.2% |
| Furniture and vehicles24 | €49,123 | €100,309 | €105,401 | €75,786 | €46,172 | ▼ 39.1% |
| Financial fixed assets28 | €2.5m | €3.0m | €1.6m | €1.3m | €1.6m | ▲ 19.0% |
| Current assets29/58 | €11.5m | €10.6m | €13.1m | €13.3m | €12.6m | ▼ 5.1% |
| Stocks and contracts in progress3 | €512,566 | €1.3m | €2.4m | €2.5m | €1.2m | ▼ 51.7% |
| Stocks30/36 | €512,566 | €1.3m | €2.4m | €2.5m | €1.2m | ▼ 51.7% |
| Amounts receivable within one year40/41 | €1.7m | €2.9m | €4.7m | €4.2m | €3.8m | ▼ 9.6% |
| Trade receivables40 | €135,300 | €84,821 | €81,583 | €3,025 | €10,083 | ▲ 233% |
| Other amounts receivable41 | €1.5m | €2.8m | €4.6m | €4.2m | €3.8m | ▼ 9.7% |
| Current investments50/53 | €9.2m | €6.3m | €5.9m | €6.2m | €7.5m | ▲ 20.5% |
| Cash at bank and in hand54/58 | €82,592 | €138,237 | €39,651 | €391,594 | €39,812 | ▼ 89.8% |
| Deferred charges and accrued income490/1 | €6,817 | €10,388 | €10,111 | €24,167 | €116,646 | ▲ 383% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €16.8m | €16.5m | €17.5m | €17.3m | €16.8m | ▼ 3.0% |
| Equity10/15 | €11.5m | €11.5m | €11.9m | €12.0m | €13.1m | ▲ 9.0% |
| Contributions10/11 | €250,000 | €250,000 | €250,000 | €250,000 | €250,000 | = |
| Capital10 | €250,000 | €250,000 | €250,000 | - | €250,000 | - |
| Issued capital100 | €250,000 | €250,000 | €250,000 | - | €250,000 | - |
| Outside capital11 | - | - | - | €250,000 | - | - |
| Other1109/19 | - | - | - | €250,000 | - | - |
| Reserves13 | €11.2m | €11.2m | €11.6m | €11.8m | €12.8m | ▲ 9.1% |
| Non-distributable reserves130/1 | €25,000 | €25,000 | €25,000 | - | - | - |
| Legal reserve130 | €25,000 | €25,000 | €25,000 | - | - | - |
| Distributable reserves133 | €11.2m | €11.2m | €11.6m | €11.8m | €12.8m | ▲ 9.1% |
| Amounts payable17/49 | €5.4m | €5.0m | €5.6m | €5.3m | €3.7m | ▼ 30.0% |
| Amounts payable after more than one year17 | €1.1m | €1.1m | €1.1m | €3.1m | €3.6m | ▲ 16.0% |
| Financial debts170/4 | €1.1m | €1.1m | €1.1m | €3.1m | €3.6m | ▲ 16.1% |
| Other amounts payable178/9 | - | - | €22,500 | €22,500 | €22,500 | = |
| Amounts payable within one year42/48 | €4.2m | €3.8m | €4.3m | €2.1m | €26,446 | ▼ 98.8% |
| Financial debts43 | €4.0m | €2.0m | €2.3m | €1.6m | - | - |
| Credit institutions430/8 | €4.0m | €2.0m | €2.3m | €1.6m | - | - |
| Trade debts44 | €22,508 | €12,248 | €2,750 | €13,222 | €26,086 | ▲ 97.3% |
| Suppliers440/4 | €22,508 | €12,248 | €2,750 | €13,222 | €26,086 | ▲ 97.3% |
| Advances received on contracts in progress46 | - | €10,000 | €10,000 | €10,000 | - | - |
| Taxes, remuneration and social security45 | €41,602 | €26,815 | €32,788 | €12,167 | €360 | ▼ 97.0% |
| Taxes450/3 | €34,373 | €26,815 | €32,788 | €12,167 | €360 | ▼ 97.0% |
| Remuneration and social security454/9 | €7,229 | - | - | - | - | - |
| Other amounts payable47/48 | €155,856 | €1.8m | €2.0m | €513,897 | - | - |
| Accrued charges and deferred income492/3 | €36,460 | €53,977 | €102,402 | €29,454 | €61,000 | ▲ 107% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €330,009 | €26,176 | €408,626 | €113,896 | €1.1m | ▲ 844% |
| + Depreciation and write-downs630 | €79,424 | €96,141 | €113,410 | €110,621 | €111,774 | ▲ 1.0% |
| Operating cash flow (approximation) | €409,433 | €122,317 | €522,036 | €224,517 | €1.2m | ▲ 429% |
| Investment in fixed assets (approximation) | - | -€606,330 | €1.4m | €264,930 | -€268,099 | ▼ 201% |
| Change in cash | - | €55,646 | -€98,587 | €351,944 | -€351,782 | ▼ 200% |
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Liquidity times 77current ratio 478.13
Current ratio from 6.20 to 478.13; short-term debt falls from €2.1m to €26,446.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 6.20
Current ratio from 3.02 to 6.20; short-term debt falls from €4.3m to €2.1m.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity triplescurrent ratio 18.81
Current ratio from 7.19 to 18.81; short-term debt falls from €1.2m to €404,939.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €3.1m
Net result €3.1m after one loss-making year.
31-12
Financial
Liquidity times 9current ratio 7.19
Current ratio from 0.80 to 7.19; short-term debt falls from €9.3m to €1.2m.
Show earlier events
31-12
Financial
Equity above €10mEq €11.1m ▲38.8%
Equity rises from €8.0m to €11.1m.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 5 days late
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2012
29-02
State Gazette act
Incorporation · Founding capital
Bank account · Corporate purpose
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 14 acts read
About the unread acts
We know of 14 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
14 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, Schoten · 2 establishment units since 1997
Ground area
4,561 m²
Building footprint
474 m²
Volume, LiDAR
1,039 m³
2 parcels, Flanders · tallest building 15.3 m, ±1 floor. Linked by address, not a title deed.
4
companies at this address
See who is registered here
2 establishment units
Bosschaert de Bouwellei 7, 2900 Schoten
since 19972.083.102.120
Rosierslei 13, 2900 Schoten
since 20252.375.092.807
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0316/00H003 | Flanders | 2,283 m² | 1 · 236 m² | - |
| 11040D0145/00V002 | Flanders | 2,278 m² | 1 · 238 m² | 15.3 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
4 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 4
-
98%
-
30%
-
16.67%
-
2%
According to the 2025 annual accounts of Netconcept and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
529900MZF682NIE68P09
Similar companies · same sector, comparable size
LETOPLAST INVEST
BE 0832.207.837
Menen · Eq €13,063,303
MUNDI VIA
BE 0884.940.403
Roosdaal · Eq €13,061,592
LAMIS
BE 0872.490.551
Poperinge · Eq €13,111,457
NEMA Invest
BE 0837.366.059
Pelt · Eq €13,052,907
CAFIMO
BE 0534.720.418
Tienen · Eq €13,035,748
Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 5,293 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
Founded21-08-1997
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0461301811
Registered
27-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.