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PAUL CONCEPT

Active
Private limited companyfounded 201214 yrs activeDelwartstraat 173, 1070 Anderlecht, BelgiumKBO/BCE: BE 0844.162.888
Summary

PAUL CONCEPT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35,419 and a net result of -€8,791. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 55% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Risk analysisWatch ReportCompare
PAUL CONCEPTActiveChecked score 65/100
Risk analysis ReportCompare

Overview

What they do
Other specialised construction activities
NACE 43990NACE 43995
1 site
How big
€838,039turnover 2025
Equity
€35,419
Loss
-€8,791
Financially healthy?
65 Healthy Checked score 2025
Bankruptcy chance 12 m
1.1%
Who decides
Accounts 14 d early0 of 7 deeds read
Why 65- 1 change of registered office in 24 months- Loss of €8,791, the second in a row (FY 2025)- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 1.73, cash €15,150Show the evidence

Checked score

Score 2025
65 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 38% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 77-14
equity 51.9% of total assets
Liquidity 54=
short-term debt 48.1% · cash 22.2%
Profitability 13-40
return on assets -12.9%
Bankruptcy probability, 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (46,941 companies)
Last 24 months 11-2024: 0.7% 12-2024: 0.7%● 0.0% vs 11-2024 01-2025: 0.7%● 0.0% vs 12-2024 02-2025: 0.7%● 0.0% vs 01-2025 03-2025: 0.7%▲ +8.4% vs 02-2025 04-2025: 0.8%▲ +7.3% vs 03-2025 05-2025: 0.9%▲ +18.0% vs 04-2025 06-2025: 0.9%▼ -1.2% vs 05-2025 07-2025: 1.0%▲ +7.1% vs 06-2025 08-2025: 0.7%▼ -26.5% vs 07-2025 09-2025: 0.6%▼ -8.6% vs 08-2025 10-2025: 0.6%● 0.0% vs 09-2025 11-2025: 0.6%● 0.0% vs 10-2025 12-2025: 0.6%● 0.0% vs 11-2025 01-2026: 0.6%▼ -0.3% vs 12-2025lowest value 02-2026: 0.6%● 0.0% vs 01-2026lowest value 03-2026: 0.6%● 0.0% vs 02-2026lowest value 04-2026: 0.7%▲ +5.7% vs 03-2026 05-2026: 0.8%▲ +18.0% vs 04-2026 06-2026: 0.8%▼ -1.3% vs 05-2026 07-2026: 0.8%▲ +4.7% vs 06-2026 08-2026: 1.1%▲ +31.7% vs 07-2026highest value 09-2026: 1.1%● 0.0% vs 08-2026highest value 10-2026: 1.1%● 0.0% vs 09-2026highest value
  • 1 change of registered office in 24 months raises the probability
  • Loss of €8,791, the second in a row (FY 2025) raises the probability
  • Liquidity: current ratio 1.73, cash €15,150 lowers the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 1.73 against 2.27 in 2024; short-term debt: 48.1% and cash: 22.2% of total assets), and 48.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 56%, liquidity 50%, profitability 12%, growth against the median 32%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
raises risk · Loss of €8,791, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.73, cash €15,150
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€8,791
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
14 d early
2024
17 d early
2023
12 d early
2022
24 d early
2021
33 d early
2020
16 d early
2019
2 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 17 days before 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 14 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Caution: Among the weakest 13% on net resultsector median €10,005 · 30,640 companies -€8,791 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€8,791 View

By topic

Financials

Fiscal year
2025
Turnover
€838,039
Loss
-€8,791
Solvency
51.9%
Turnover▼ 2.5%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 17-07-2026Annual accounts filed
  2. 14-07-2025Annual accounts filed
  3. 19-07-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other specialised construction activitiesNACE 43990
Founded
05-03-2012
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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