NP CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of NP CONCEPT is 1.5% (moderate). The 2024 annual accounts show equity of €79,743 and a net result of -€10,584. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 19% of 5896 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability34▼-28
Solvency36▼-1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days only on tighter terms
Liquidity ample (current ratio 2.43 against 3.09 in 2023; short-term debt: 19.1% and cash: 0.2% of total assets), but 88.6% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more 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 2024Solvency, return and age of the figures
Solvency
11.4%
Return on assets
-1.5%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 5896 sector peers (2024).
NBB · sector comparisonPosition among 5896 sector peers
Solvency
better than 19%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
121 d late
2022
92 d late
2021
92 d late
2020
122 d late
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 102 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€10,584
2023 · €23,714
Working capital
€190,592▼ 18.2%
2023 · €233,082
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 81, Services to buildings and landscape 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
Line20202021202220232024
Operating result€35,292▼ 44.6%€146,767▲ 316%-€81,297€36,142€6,206▼ 82.8%
Net result€15,808within the sector's middle half▼ 51.1%€93,085within the sector's middle half▲ 489%-€86,982below the sector's middle half€23,714within the sector's middle half-€10,584below the sector's middle half
Equity€60,510within the sector's middle half▲ 35.4%€153,595within the sector's middle half▲ 154%€66,613within the sector's middle half▼ 56.6%€90,327within the sector's middle half▲ 35.6%€79,743within the sector's middle half▼ 11.7%
Total assets€731,112within the sector's middle half▼ 14.2%€846,740within the sector's middle half▲ 15.8%€732,649above the sector's middle half▼ 13.5%€729,884above the sector's middle half▼ 0.4%€697,046above the sector's middle half▼ 4.5%
Debt€670,602▼ 16.9%€693,145▲ 3.4%€666,036▼ 3.9%€639,557▼ 4.0%€617,303▼ 3.5%
Working capital€146,531within the sector's middle half▼ 40.5%€301,886within the sector's middle half▲ 106%€223,680above the sector's middle half▼ 25.9%€233,082above the sector's middle half▲ 4.2%€190,592above the sector's middle half▼ 18.2%
Solvency8.3%below the sector's middle half▲ 3.0pp18.1%within the sector's middle half▲ 9.9pp9.1%below the sector's middle half▼ 9.0pp12.4%below the sector's middle half▲ 3.3pp11.4%below the sector's middle half▼ 0.9pp
Current ratio1.58within the sector's middle half▼ 0.581.93within the sector's middle half▲ 0.342.85above the sector's middle half▲ 0.923.09above the sector's middle half▲ 0.252.43within the sector's middle half▼ 0.66
Return on assets (ROA)2.2%within the sector's middle half▼ 1.6pp11.0%within the sector's middle half▲ 8.8pp-11.9%below the sector's middle half▼ 22.9pp3.2%within the sector's middle half▲ 15.1pp-1.5%below the sector's middle half▼ 4.8pp
Staff (FTE)6.8within the sector's middle half▲ 21.4%7.8within the sector's middle half▲ 14.7%6.8▼ 12.8%5.4▼ 20.6%3.8▼ 29.6%
above
within
below
the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 83% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €696,798
Fixed assets
€373,072 ▼ 3.1%
Current assets
€323,726 ▼ 6.0%
Equity and liabilities €697,046
Equity
€79,743 ▼ 11.7%
Debt
€617,303 ▼ 3.5%
Debt's share of the balance-sheet total rises from 87.6% to 88.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€33,982▼
2023 · €70,463
Cash flow
€17,193▼
2023 · €58,035
Quick ratio
2.36▼
2023 · 2.97
Debt to equity
7.74▲
2023 · 7.08
ROE
-13.3%▼
2023 · 26.3%
Interest coverage
2.02▼
2023 · 4.69
Debt ≤ 1 year
€133,133▲
2023 · €111,304
Debt > 1 year
€483,786▼
2023 · €527,868
Staff costs
€102,007▼
2023 · €181,314
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,548 companies that looked in July 2024 the way this one looks now, 4.3% went bankrupt within 24 months and 91% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a small loss
4.3%
went bankrupt
3.9%
stopped otherwise
91%
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 1.5% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 1,548 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €30 | €0 | €50 | €73 | ▲ 45.6% |
| Remuneration, social security and pensions62 | - | €274,107 | €218,265 | €181,314 | €102,007 | ▼ 43.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €30,479 | €29,819 | €32,332 | €34,321 | €27,777 | ▼ 19.1% |
| Other operating charges640/8 | - | €4,477 | €3,224 | €5,188 | €3,732 | ▼ 28.1% |
| Non-recurring operating charges66A | - | €3 | €1 | €0 | -€58 | ▼ 32,228% |
| Gross operating margin9900 | €286,964 | €455,172 | €172,525 | €256,965 | €139,663 | ▼ 45.6% |
| Operating profit (loss)9901 | €35,292 | €146,767 | -€81,297 | €36,142 | €6,206 | ▼ 82.8% |
| Financial income75/76B | - | €730 | €10,527 | €2,603 | - | - |
| Recurring financial income75 | €758 | €730 | €10,527 | €2,603 | - | - |
| Financial charges65/66B | - | €12,930 | €16,212 | €15,031 | €16,789 | ▲ 11.7% |
| Recurring financial charges65 | €13,020 | €12,930 | €16,212 | €15,031 | €16,789 | ▲ 11.7% |
| Profit (loss) for the period before taxes9903 | €23,029 | €134,568 | -€86,982 | €23,714 | -€10,584 | ▼ 145% |
| Income taxes67/77 | €7,221 | €41,483 | - | - | - | - |
| Profit (loss) for the period9904 | €15,808 | €93,085 | -€86,982 | €23,714 | -€10,584 | ▼ 145% |
| Profit (loss) for the period to be appropriated9905 | €15,808 | €93,085 | -€86,982 | €23,714 | -€10,584 | ▼ 145% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €731,112 | €846,740 | €732,649 | €729,884 | €697,046 | ▼ 4.5% |
| Formation expenses20 | €689 | €579 | €469 | €358 | €248 | ▼ 30.8% |
| Fixed assets21/28 | €332,919 | €219,217 | €387,417 | €385,139 | €373,072 | ▼ 3.1% |
| Intangible fixed assets21 | - | - | €5,913 | €3,688 | €1,464 | ▼ 60.3% |
| Tangible fixed assets22/27 | €332,919 | €219,217 | €381,504 | €381,450 | €371,609 | ▼ 2.6% |
| Land and buildings22 | - | €193,065 | €366,294 | €374,892 | €368,347 | ▼ 1.7% |
| Plant, machinery and equipment23 | - | €10,838 | €7,326 | €4,874 | €2,235 | ▼ 54.1% |
| Furniture and vehicles24 | - | €15,314 | €7,884 | €1,684 | €1,027 | ▼ 39.0% |
| Current assets29/58 | €397,503 | €626,944 | €344,763 | €344,386 | €323,726 | ▼ 6.0% |
| Stocks and contracts in progress3 | €191,628 | €2,665 | €2,665 | €13,598 | €9,940 | ▼ 26.9% |
| Stocks30/36 | - | €2,665 | €2,665 | €13,598 | €9,940 | ▼ 26.9% |
| Amounts receivable within one year40/41 | €189,018 | €271,975 | €333,021 | €328,882 | €311,853 | ▼ 5.2% |
| Trade receivables40 | - | €232,418 | €149,640 | €260,187 | €211,477 | ▼ 18.7% |
| Other amounts receivable41 | - | €39,557 | €183,381 | €68,695 | €100,376 | ▲ 46.1% |
| Cash at bank and in hand54/58 | €16,649 | €1,692 | €8,893 | €1,692 | €1,692 | = |
| Deferred charges and accrued income490/1 | - | €350,611 | €185 | €215 | €241 | ▲ 12.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €731,112 | €846,740 | €732,649 | €729,884 | €697,046 | ▼ 4.5% |
| Equity10/15 | €60,510 | €153,595 | €66,613 | €90,327 | €79,743 | ▼ 11.7% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €41,910 | €134,995 | €134,995 | €134,995 | €134,995 | = |
| Non-distributable reserves130/1 | - | €1,305 | €1,305 | €1,305 | €1,305 | = |
| Reserves not available under the articles1311 | - | €1,305 | €1,305 | €1,305 | €1,305 | = |
| Distributable reserves133 | - | €133,690 | €133,690 | €133,690 | €133,690 | = |
| Profit (loss) carried forward14 | -€6,235 | - | -€86,982 | -€63,268 | -€73,852 | ▼ 16.7% |
| Amounts payable17/49 | €670,602 | €693,145 | €666,036 | €639,557 | €617,303 | ▼ 3.5% |
| Amounts payable after more than one year17 | €419,629 | €366,838 | €544,953 | €527,868 | €483,786 | ▼ 8.4% |
| Financial debts170/4 | - | €363,088 | €542,453 | €525,368 | €481,286 | ▼ 8.4% |
| Other amounts payable178/9 | - | €3,750 | €2,500 | €2,500 | €2,500 | = |
| Amounts payable within one year42/48 | €250,972 | €325,058 | €121,083 | €111,304 | €133,133 | ▲ 19.6% |
| Current portion of amounts payable after more than one year42 | - | €16,042 | €29,551 | €27,085 | €24,583 | ▼ 9.2% |
| Financial debts43 | - | €20,118 | €9,725 | €25,869 | €23,924 | ▼ 7.5% |
| Credit institutions430/8 | - | €20,118 | €9,725 | €25,869 | €23,924 | ▼ 7.5% |
| Trade debts44 | €60,084 | €138,805 | €58,104 | €19,104 | €45,438 | ▲ 138% |
| Suppliers440/4 | - | €138,805 | €58,104 | €19,104 | €45,438 | ▲ 138% |
| Taxes, remuneration and social security45 | - | €68,038 | €15,593 | €16,495 | €20,428 | ▲ 23.8% |
| Taxes450/3 | - | €49,485 | €129 | €4,336 | €8,929 | ▲ 106% |
| Remuneration and social security454/9 | - | €18,554 | €15,464 | €12,158 | €11,499 | ▼ 5.4% |
| Other amounts payable47/48 | - | €82,054 | €8,110 | €22,752 | €18,761 | ▼ 17.5% |
| Accrued charges and deferred income492/3 | - | €1,250 | - | €384 | €384 | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,808 | €93,085 | -€86,982 | €23,714 | -€10,584 | ▼ 145% |
| + Depreciation and write-downs630 | €30,479 | €29,819 | €32,332 | €34,321 | €27,777 | ▼ 19.1% |
| Operating cash flow (approximation) | €46,286 | €122,904 | -€54,650 | €58,035 | €17,193 | ▼ 70.4% |
| Investment in fixed assets (approximation) | - | €83,883 | -€200,532 | -€32,043 | -€15,710 | ▲ 51.0% |
| Change in cash | - | -€14,956 | €7,200 | -€7,200 | €0 | ▲ 100% |
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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 121 days late
2023
31-12
Financial
Back to profitnet €23,714
Net result €23,714 after one loss-making year.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Weakest financial yearnet -€86,982
Net result drops to -€86,982, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 92 days late
2021
31-12
Financial
Highest result since 2018net €93,085 ▲489%
Operating result €146,767, net result €93,085, both a record.
31-12
Financial
Equity above €150,000Eq €153,595 ▲154%
4 profitable years in a row build equity to €153,595.
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 122 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 23 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · full 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, Seneffe · 1 establishment unit since 2017
Ground area
1,924 m²
Building footprint
63 m²
Parcel 52052A0142/00C000, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Rue Haute 27, 7181 Seneffe
since 20172.265.847.051
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52052A0142/00C000 | Wallonia | 1,924 m² | 1 · 63 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 21,227 companies in sector 81300 we hold annual accounts for 4,369. 3,643 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
Founded22-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
81300Landscape service activities
41001General construction of residential buildings
43422Screed work
43910Bricklaying and masonry work
47761Retail sale of flowers, plants, seeds and fertilisers
71113Urban planning and landscape architecture
E-invoicing
Reachable via Peppol
Peppol ID
0208:0671737767
Also
9925:BE0671737767
Registered
07-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.