P-CONCEPTS 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 €2.48M and a net result of €301k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 50% of 5507 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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 advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €2.48M
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 13-04-2026, 17 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
17 d early
2024
12 d early
2023
43 d early
2022
16 d early
2021
23 d early
2020
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.48M▲ 13.8%
2024 · €2.18M
2020: €10k
2021: €33k
2022: €86k
2023: €1.04M
2024: €2.18M
2020 → 2025
Net result
€301k▼ 73.6%
2024 · €1.14M
2020: €7k
2021: €23k
2022: €53k
2023: €287k
2024: €1.14M
2020 → 2025
Total assets
€4.79M▲ 14.8%
2024 · €4.17M
2020: €105k
2021: €196k
2022: €1.49M
2023: €2.92M
2024: €4.17M
2020 → 2025
Solvency
51.8%▼ 0.5pp
2024 · 52.3%
2020: 9.9%
2021: 16.9%
2022: 5.8%
2023: 35.8%
2024: 52.3%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€86k▲ 160%€1.04M▲ 1,109%€2.18M▲ 109%€2.48M▲ 13.8%
Operating result€29k-€72k▲ 152%€159k▲ 122%€1.07M▲ 569%€481k▼ 54.9%
Net result€23k-€53k▲ 132%€287k▲ 441%€1.14M▲ 296%€301k▼ 73.6%
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 falls in 2025; 2025 is 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.79M
Fixed assets
€4.28M▲ 7.9%
Current assets
€511k▲ 148%
Equity and liabilities €4.79M
Equity
€2.48M▲ 13.8%
Debt
€2.31M▲ 16.0%
The debt ratio rises from 47.7% to 48.2%. Equity and debt are higher.
Key figures and ratios
Solvency
51.8%▼
2024 · 52.3%
ROE
12.1%▼
2024 · 52.2%
ROA
6.3%▼
2024 · 27.3%
Debt
€2.31M▲
2024 · €1.99M
Debt ≤ 1 year
€646k▲
2024 · €548k
Debt > 1 year
€1.64M▲
2024 · €1.42M
Income taxes
€106k▼
2024 · €247k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€4.17M€4.79M▲
Fixed assets21/28€3.96M€4.28M▲
Tangible fixed assets22/27€1.31M€1.62M▲
Land and buildings22€1.23M€1.56M▲
Plant, machinery and equipment23-€11k
Furniture and vehicles24€70k€46k▼
Other tangible fixed assets26€7k€5k▼
Financial fixed assets28€2.65M€2.65M=
Current assets29/58€206k€511k▲
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€3k€4k▲
Amounts receivable within one year40/41€116k€26k▼
Trade receivables40€116k€25k▼
Other amounts receivable41€96€663▲
Cash at bank and in hand54/58€84k€368k▲
Deferred charges and accrued income490/1€3k€114k▲
Equity and liabilities
Total equity and liabilities10/49€4.17M€4.79M▲
Equity10/15€2.18M€2.48M▲
Contributions10/11€673k€673k=
Reserves13€935k€1.23M▲
Tax-exempt reserves132€547k€720k▲
Distributable reserves133€388k€509k▲
Profit (loss) carried forward14€573k€580k▲
Amounts payable17/49€1.99M€2.31M▲
Amounts payable after more than one year17€1.42M€1.64M▲
Financial debts170/4€1.42M€1.64M▲
Amounts payable within one year42/48€548k€646k▲
Current portion of amounts payable after more than one year42€182k€242k▲
Financial debts43€124k€372k▲
Credit institutions430/8€124k€88k▼
Other loans439-€284k
Trade debts44€226k€8k▼
Suppliers440/4€226k€8k▼
Advances received on contracts in progress46-€6k
Taxes, remuneration and social security45€16k€18k▲
Taxes450/3€16k€18k▲
Other amounts payable47/48€583€583=
Accrued charges and deferred income492/3€25k€21k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€72k€98k▲
Other operating charges640/8€156k€44k▼
Gross operating margin9900€1.29M€622k▼
Operating profit (loss)9901€1.07M€481k▼
Financial income75/76B€398k€7k▼
Recurring financial income75€398k€7k▼
Financial charges65/66B€78k€81k▲
Recurring financial charges65€78k€81k▲
Profit (loss) for the period before taxes9903€1.39M€406k▼
Income taxes67/77€247k€106k▼
Profit (loss) for the period9904€1.14M€301k▼
Transfer to tax-exempt reserves689€547k€172k▼
Profit (loss) for the period to be appropriated9905€591k€129k▼
Appropriation of the result
Profit (loss) to be appropriated9906€689k€702k▲
Profit (loss) brought forward from the previous period14P€98k€573k▲
Transfer to equity691/2€116k€121k▲
To other reserves6921€116k€121k▲
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2020net €1.14M ▲296%
Operating result €1.07M, net result €1.14M, both a record.
30-09
Financial
Equity above €2MEq €2.18M ▲109%
5 profitable years in a row build equity to €2.18M.
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €1MEq €1.04M ▲1109%
4 profitable years in a row build equity to €1.04M.
14-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity doublescurrent ratio 2.19
Current ratio from 1.06 to 2.19; short-term debt falls from €95k to €88k.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, De Haan · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Lepelemstraat 218421 De HaanGround area
4,693 m²
Building footprint
267 m²
Volume, LiDAR
737 m³
Parcel 35021B0763/00E000, Flanders · tallest building 6.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
P-CONCEPTS
since 20192.295.446.206
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35021B0763/00E000 | Flanders | 4,693 m² | 1 · 267 m² | 6.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 3,345 EUR awarded · 3,345 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 3,345 EUR | 3,345 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500D084T40B2B0764
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 10,262 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2019
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.