Equity
€2.9m ▲ 19.8%
THE CONCEPT GROUP has made a profit without a break since 2015.
THE CONCEPT GROUP
Lifetime
20 annual accounts with figures on one time axis, 32 filings since 1994peak €5.2m (2022)
-not published
lowest -€57,395 (2012)
€898,217▼ 3.2%
peak €2.9m (2025)
€2.9m▲ 19.8%
€4.5m▼ 26.1%
peak 52.3 FTE (2022)
51.9 FTE▼ 0.4%
Board8 names since 2020
3 directorsCarcis BV and 2 others
Owners2 names in the annual accounts
100%TCOG Holding
Documentsfilings and deeds
30-06-202631 days before the deadline
2025financial year
Dividend €200,000Equity from €2.4m to €2.9mDebts from €6.1m to €4.5mCash from €614,445 to €99,172
Key points
from the 2025 annual accountsStaff
53 employees on 31-12-2025
In 2025, 3 people joined and 6 left.
Payment terms
55 days to suppliers
THE CONCEPT GROUP pays its suppliers 22 days earlier than in 2024. Customers pay 9 days later.
Filings
32 annual accounts since 1994
Four of the last ten came late. The 2023 accounts came latest: 820 days after the end of the period.
Board
3 joined · 3 left
Board changed. Latest change 23-07-2026 · 3 in office.
Position in the sector
€898,217
Higher net result than 88% of companies in computer programming and consultancy. Sector median €35,587 · 1,689 companies.
Checked score
83
Excellent
Financially stronger than 59% of medium-sized companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 206 companies (NACE 62, medium-sized).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.2%▲ +0.1 percentage points vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.2%▲ +0.1 percentage points vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.3%▲ +0.1 percentage points vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.5%▲ +0.2 percentage points vs 09-2026highest value
11-2026: 0.5%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 0.94, cash €99,172, halved
1 change of registered office in 24 months
1 of the last 3 accounts late
lowers risk
Profit of €898,217 (financial year 2025)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, medium-sized). It does better than 56% of them on solvency, 39% on liquidity, 73% on profitability and 68% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit verdict
Credit of up to €240,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.94 (1.13 in 2024), below 1. Short-term debt is 40.4% and cash 1.3% of total assets. 60.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 days early
2024
20 days early
2023
820 days late
2022
12 days early
2021
2 days late
2020
27 days late
2019
8 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 111 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 19 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- TCOG Holding 100%equity €12.0m (2025) · 2025 annual accounts of TCOG Holding
Shares in 1 company, Total Concept Group BV
Board & ownershipRecent changes
3 directors appointed, 3 resignations
Appointments: VIKTUUR, Unity and Benny Van Hyfte · Permanent representatives: Jan Hofman and Vicky Van Den Haute · Resignations: TCOG Holding, MIDWAY and Carcis (day-to-day manager) · General meeting of 23-07-2026 · Gazette deed
Registered office moved within Turnhout
New registered office: Steenweg op Zevendonk 151, 2300 Turnhout · Previous registered office: Steenweg op Zevendonk 149, 2300 Turnhout · Permanent representative: Adams Francis · Board meeting of 20-01-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0451638433
2 directors appointed, 2 resignations
Change of role: Midway BV, from day-to-day manager to director · Resignations: Adacre BV and Carcis BV (day-to-day manager) · Appointments: Carcis BV (day-to-day manager) and TCOG Holding BV · General meeting of 14-07-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| THE CONCEPT GROUP Turnhout | €11.8m | 8.7% | 39.3% | 51.9 |
| XPOWER Merelbeke-Melle | €9.6m | 11.2% | 58.8% | 44.8 |
| SII BELGIUM Etterbeek | €9.0m | 2.2% | 20.7% | 51.3 |
| GMI group Westerlo | €16.9m | 12.4% | 34.8% | 54.3 |
| PROMATIC - W Herstal | €9.2m | 15.1% | 16.5% | 42.4 |
| CODIT Ghent | €14.4m | 0.7% | 61.3% | 54.1 |
| STMicroelectronics Belgium Machelen (Brab.) | €12.0m | 4.9% | 37.7% | 62.3 |
Grey: the largest companies of the sector (computer programming and consultancy (NACE 62)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as THE CONCEPT GROUP: computer programming (NACE 62100). They are comparable in size and age: total assets between €5.9m and €9.9m, founded between 1991 and 2000.
Official details
Source: KBO- Status
- Active since 06-01-1994Normal situation
- Activity
- Computer programmingNACE 62100
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment units
- 2.065.204.2342300 Turnhout, since 21-01-1994
- 2.337.810.5599820 Merelbeke-Melle, since 01-10-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 07-05-2025
Annual accounts 2025
- €7.4m▼ 13.0%
- Employeeson 31-12-2025
- 53▼ 5.4%
- Filing
- Filed on 30-06-2026, 31 days before the end of the filing period
Insights on THE CONCEPT GROUP
Solvency rose in 2025 from 28.5% to 39.3% because of the retained profit and lower debts.
TCOG Holding holds all the shares. In July 2026, three directors stepped down.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about THE CONCEPT GROUP
- What is the company number of THE CONCEPT GROUP?
- The company number of THE CONCEPT GROUP is 0451.638.433. The VAT number is the same number with BE in front: BE 0451.638.433.
- Where is THE CONCEPT GROUP based?
- The registered office is at Steenweg op Zevendonk 151, 2300 Turnhout.Company details
- What does THE CONCEPT GROUP do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of THE CONCEPT GROUP?
- THE CONCEPT GROUP is a public limited company (NV).
- When was THE CONCEPT GROUP founded?
- THE CONCEPT GROUP was founded on 06-01-1994.
- Is THE CONCEPT GROUP still active?
- Yes, THE CONCEPT GROUP is an active enterprise in the KBO register.
- How many employees does THE CONCEPT GROUP have?
- THE CONCEPT GROUP had an average of 51.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does THE CONCEPT GROUP fall under?
- In its 2025 annual accounts, THE CONCEPT GROUP states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of THE CONCEPT GROUP?
- The turnover of THE CONCEPT GROUP was €11.8m in financial year 2025, according to the filed annual accounts.
- Is THE CONCEPT GROUP profitable?
- In financial year 2025, THE CONCEPT GROUP made a profit of €898,217.
- Where can I find the annual accounts of THE CONCEPT GROUP?
- THE CONCEPT GROUP filed 32 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of THE CONCEPT GROUP due?
- THE CONCEPT GROUP must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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