oneB-concepts
ActiveSummary
The computed 12-month bankruptcy probability of oneB-concepts is 1.6% (moderate). The 2025 annual accounts show negative equity (-€101,171) and a net result of -€15,420. Equity is shrinking by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 28281 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth38=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.12 against 0.01 in 2024; short-term debt: 150.8% and cash: 0.1% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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 2025Solvency, return and age of the figures
Solvency
-97.1%
Return on assets
-14.8%
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€101,171
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
27 d late
2023
8 d early
2022
30 d late
2021
31 d late
2020
45 d late
2019
28 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 21 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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. Usually files around 27 August (4 of the last 5 filed years within 34 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€11,097▼ 85.5%
2018 · €76,316
EBIT margin
-328.5%▼ 298.5pp
2018 · -30.0%
Net result
-€15,420▼ 5.0%
2024 · -€14,680
Working capital
-€138,139▼ 19.2%
2024 · -€115,920
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction 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
Turnover
Operating result€13,096▼ 43.7%-€15,136-€6,962▲ 54.0%-€11,129▼ 59.9%-€12,096▼ 8.7%
Net result€10,533within the sector's middle half▼ 9.6%-€17,175below the sector's middle half-€8,706below the sector's middle half▲ 49.3%-€14,680below the sector's middle half▼ 68.6%-€15,420below the sector's middle half▼ 5.0%
EBIT margin
Equity-€45,190below the sector's middle half▲ 18.9%-€62,365below the sector's middle half▼ 38.0%-€71,072below the sector's middle half▼ 14.0%-€85,751below the sector's middle half▼ 20.7%-€101,171below the sector's middle half▼ 18.0%
Total assets€122,133within the sector's middle half▼ 29.5%€96,968within the sector's middle half▼ 20.6%€90,890within the sector's middle half▼ 6.3%€84,189within the sector's middle half▼ 7.4%€104,170within the sector's middle half▲ 23.7%
Debt€167,323▼ 26.9%€159,334▼ 4.8%€161,962▲ 1.6%€169,940▲ 4.9%€205,341▲ 20.8%
Working capital-€78,641below the sector's middle half▲ 4.2%-€92,805below the sector's middle half▼ 18.0%-€102,341below the sector's middle half▼ 10.3%-€115,920below the sector's middle half▼ 13.3%-€138,139below the sector's middle half▼ 19.2%
Solvency-37.0%below the sector's middle half▼ 4.8pp-64.3%below the sector's middle half▼ 27.3pp-78.2%below the sector's middle half▼ 13.9pp-101.9%below the sector's middle half▼ 23.7pp-97.1%below the sector's middle half▲ 4.7pp
Current ratio0.18below the sector's middle half▼ 0.270.02below the sector's middle half▼ 0.160.02below the sector's middle half=0.01below the sector's middle half▼ 0.010.12below the sector's middle half▲ 0.11
Return on assets (ROA)8.6%within the sector's middle half▲ 1.9pp-17.7%below the sector's middle half▼ 26.3pp-9.6%below the sector's middle half▲ 8.1pp-17.4%below the sector's middle half▼ 7.9pp-14.8%below the sector's middle half▲ 2.6pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12,096 in 2025 against €11,129 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €104,170
Fixed assets
€85,219 ▲ 2.7%
Current assets
€18,951 ▲ 1,473%
Key figures and ratios
EBITDA
-€4,331▲
2024 · -€5,086
Cash flow
-€7,655▲
2024 · -€8,637
Debt to equity
-2.03▼
2024 · -1.98
Interest coverage
-1.30▲
2024 · -1.43
Debt ≤ 1 year
€157,090▲
2024 · €117,125
Debt > 1 year
€48,251▼
2024 · €52,815
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,906 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.8%
went bankrupt
8.1%
stopped otherwise
85%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% 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 6,906 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,576 | €9,255 | €6,043 | €6,043 | €7,765 | ▲ 28.5% |
| Other operating charges640/8 | €2,005 | €1,071 | €112 | €2,261 | €1,254 | ▼ 44.5% |
| Gross operating margin9900 | €26,678 | -€4,810 | -€807 | -€2,825 | -€3,076 | ▼ 8.9% |
| Operating profit (loss)9901 | €13,096 | -€15,136 | -€6,962 | -€11,129 | -€12,096 | ▼ 8.7% |
| Financial income75/76B | €0 | - | - | - | - | - |
| Recurring financial income75 | €0 | - | - | - | - | - |
| Financial charges65/66B | €2,563 | €2,039 | €1,745 | €3,551 | €3,324 | ▼ 6.4% |
| Recurring financial charges65 | €2,563 | €2,039 | €1,745 | €3,551 | €3,324 | ▼ 6.4% |
| Profit (loss) for the period before taxes9903 | €10,533 | -€17,175 | -€8,706 | -€14,680 | -€15,420 | ▼ 5.0% |
| Profit (loss) for the period9904 | €10,533 | -€17,175 | -€8,706 | -€14,680 | -€15,420 | ▼ 5.0% |
| Profit (loss) for the period to be appropriated9905 | €10,533 | -€17,175 | -€8,706 | -€14,680 | -€15,420 | ▼ 5.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €122,133 | €96,968 | €90,890 | €84,189 | €104,170 | ▲ 23.7% |
| Fixed assets21/28 | €104,325 | €95,070 | €89,027 | €82,984 | €85,219 | ▲ 2.7% |
| Tangible fixed assets22/27 | €104,325 | €95,070 | €89,027 | €82,984 | €85,219 | ▲ 2.7% |
| Land and buildings22 | €89,568 | €86,142 | €82,715 | €79,289 | €75,863 | ▼ 4.3% |
| Plant, machinery and equipment23 | €3,594 | €274 | €167 | €59 | €8,230 | ▲ 13,737% |
| Furniture and vehicles24 | €11,163 | €8,654 | €6,145 | €3,635 | €1,126 | ▼ 69.0% |
| Current assets29/58 | €17,808 | €1,898 | €1,863 | €1,205 | €18,951 | ▲ 1,473% |
| Amounts receivable within one year40/41 | €748 | €1,898 | €1,166 | €1,204 | €18,853 | ▲ 1,466% |
| Trade receivables40 | €671 | €671 | €671 | €671 | €18,832 | ▲ 2,708% |
| Other amounts receivable41 | €77 | €1,228 | €496 | €533 | €21 | ▼ 96.1% |
| Cash at bank and in hand54/58 | €17,060 | - | €697 | €1 | €98 | ▲ 8,304% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €122,133 | €96,968 | €90,890 | €84,189 | €104,170 | ▲ 23.7% |
| Equity10/15 | -€45,190 | -€62,365 | -€71,072 | -€85,751 | -€101,171 | ▼ 18.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€63,790 | -€80,965 | -€89,672 | -€104,351 | -€119,771 | ▼ 14.8% |
| Amounts payable17/49 | €167,323 | €159,334 | €161,962 | €169,940 | €205,341 | ▲ 20.8% |
| Amounts payable after more than one year17 | €70,874 | €64,630 | €57,758 | €52,815 | €48,251 | ▼ 8.6% |
| Financial debts170/4 | €70,874 | €64,630 | €57,758 | €52,815 | €48,251 | ▼ 8.6% |
| Amounts payable within one year42/48 | €96,449 | €94,703 | €104,204 | €117,125 | €157,090 | ▲ 34.1% |
| Current portion of amounts payable after more than one year42 | €10,494 | €10,548 | €9,840 | €9,051 | €9,298 | ▲ 2.7% |
| Trade debts44 | €2,385 | €920 | - | - | €13,134 | - |
| Suppliers440/4 | €2,385 | €920 | - | - | €13,134 | - |
| Taxes, remuneration and social security45 | €11,407 | €9,045 | €7 | €7 | €7 | = |
| Taxes450/3 | €11,407 | €9,045 | €7 | €7 | €7 | = |
| Other amounts payable47/48 | €72,164 | €74,191 | €94,356 | €108,066 | €134,651 | ▲ 24.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,533 | -€17,175 | -€8,706 | -€14,680 | -€15,420 | ▼ 5.0% |
| + Depreciation and write-downs630 | €11,576 | €9,255 | €6,043 | €6,043 | €7,765 | ▲ 28.5% |
| Operating cash flow (approximation) | €22,109 | -€7,920 | -€2,663 | -€8,637 | -€7,655 | ▲ 11.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€10,000 | - |
| Change in cash | - | - | - | -€696 | €97 | ▲ 114% |
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
14-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 45 days late
2020
31-12
Financial
Back to profitnet €11,655
Net result €11,655 after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet -€39,083
Net result drops to -€39,083, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 122 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Kuurne · 1 establishment unit since 2012
Ground area
343 m²
Building footprint
334 m²
Volume, LiDAR
2,525 m³
2 parcels, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
oneB-concepts
since 20122.261.083.559
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34023C0250/00W004 | Flanders | 248 m² | 1 · 269 m² | 8.6 m · 2 fl. |
| 34013A1266/00K011 | Flanders | 95 m² | 1 · 66 m² | 10.9 m · 3 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.
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Of 4,020 companies in sector 43310 we hold annual accounts for 1,749. 389 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 (pre-2019)
Founded25-09-2012
Fiscal year end31-12
Activities, NACEBEL 2025
43310Plastering work
43120Site preparation
43230Insulation installation
43910Bricklaying and masonry work
43990Other specialised construction activities
81220Other building cleaning and industrial cleaning
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0848968150
Also
9925:BE0848968150
Registered
13-08-2026
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.