Summary
RECONCEPT 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 €70,093 and a net result of €15,053. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 45% of 8091 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 27-03-2026, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 d early
2024
327 d late
2023
57 d early
2022
27 d early
2021
38 d early
2020
39 d early
2019
66 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 9 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 27 March (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€70,093▲ 27.4%
2024 · €55,039
Net result
€15,053
2024 · -€9,198
Total assets
€156,014▼ 65.0%
2024 · €445,748
Solvency
44.9%▲ 32.6pp
2024 · 12.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Operating result€23,545▲ 41.7%€26,245▲ 11.5%€24,571▼ 6.4%€14,686▼ 40.2%€13,603▼ 7.4%
Net result€7,426within the sector's middle half▲ 104%€10,064within the sector's middle half▲ 35.5%€9,015within the sector's middle half▼ 10.4%-€9,198below the sector's middle half€15,053within the sector's middle half
Equity€53,218within the sector's middle half▲ 16.2%€75,682within the sector's middle half▲ 42.2%€64,238within the sector's middle half▼ 15.1%€55,039within the sector's middle half▼ 14.3%€70,093within the sector's middle half▲ 27.4%
Total assets€490,527within the sector's middle half▼ 6.8%€491,594within the sector's middle half▲ 0.2%€456,334within the sector's middle half▼ 7.2%€445,748within the sector's middle half▼ 2.3%€156,014within the sector's middle half▼ 65.0%
Debt€437,308▼ 9.0%€415,912▼ 4.9%€392,097▼ 5.7%€390,708▼ 0.4%€85,921▼ 78.0%
Working capital€8,500within the sector's middle half€20,462within the sector's middle half▲ 141%€1,451within the sector's middle half▼ 92.9%-€22,577below the sector's middle half€2,900within the sector's middle half
Solvency10.8%below the sector's middle half▲ 2.2pp15.4%below the sector's middle half▲ 4.5pp14.1%below the sector's middle half▼ 1.3pp12.3%below the sector's middle half▼ 1.7pp44.9%within the sector's middle half▲ 32.6pp
Current ratio1.18within the sector's middle half▲ 0.691.39within the sector's middle half▲ 0.201.02within the sector's middle half▼ 0.360.75within the sector's middle half▼ 0.271.03within the sector's middle half▲ 0.28
Return on assets (ROA)1.5%within the sector's middle half▲ 0.8pp2.0%within the sector's middle half▲ 0.5pp2.0%within the sector's middle half▼ 0.1pp-2.1%below the sector's middle half▼ 4.0pp9.6%within the sector's middle half▲ 11.7pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 7% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €156,014
Fixed assets
€67,193 ▼ 82.2%
Current assets
€88,821 ▲ 29.4%
Equity and liabilities €156,014
Equity
€70,093 ▲ 27.4%
Debt
€85,921 ▼ 78.0%
Debt's share of the balance-sheet total falls from 87.7% to 55.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
21.5%▲
2024 · -16.7%
Debt ≤ 1 year
€85,921▼
2024 · €91,212
Debt > 1 year
€0▼
2024 · €299,496
Income taxes
-€5,067▼
2024 · €14,781
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €94,267 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,392 | €23,822 | €24,273 | €22,409 | €1,649 | ▼ 92.6% |
| Other operating charges640/8 | - | €1,190 | €2,048 | €4,965 | €2,649 | ▼ 46.7% |
| Non-recurring operating charges66A | - | €708 | €0 | - | €50,783 | - |
| Gross operating margin9900 | €50,659 | €51,965 | €50,892 | €42,061 | €68,683 | ▲ 63.3% |
| Operating profit (loss)9901 | €23,545 | €26,245 | €24,571 | €14,686 | €13,603 | ▼ 7.4% |
| Recurring financial income75 | €0 | - | - | - | - | - |
| Financial charges65/66B | - | €9,725 | €8,954 | €9,104 | €3,616 | ▼ 60.3% |
| Recurring financial charges65 | €10,823 | €9,725 | €8,954 | €9,104 | €3,616 | ▼ 60.3% |
| Profit (loss) for the period before taxes9903 | €12,722 | €16,520 | €15,617 | €5,583 | €9,987 | ▲ 78.9% |
| Income taxes67/77 | €5,297 | €6,456 | €6,602 | €14,781 | -€5,067 | ▼ 134% |
| Profit (loss) for the period9904 | €7,426 | €10,064 | €9,015 | -€9,198 | €15,053 | ▲ 264% |
| Profit (loss) for the period to be appropriated9905 | €7,426 | €10,064 | €9,015 | -€9,198 | €15,053 | ▲ 264% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €490,527 | €491,594 | €456,334 | €445,748 | €156,014 | ▼ 65.0% |
| Fixed assets21/28 | €435,862 | €418,294 | €393,521 | €377,112 | €67,193 | ▼ 82.2% |
| Tangible fixed assets22/27 | €373,862 | €355,794 | €331,521 | €309,112 | €1,193 | ▼ 99.6% |
| Land and buildings22 | - | €340,602 | €321,045 | €301,488 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | - | €8,107 | €5,986 | €4,783 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | €7,085 | €4,490 | €2,841 | €1,193 | ▼ 58.0% |
| Financial fixed assets28 | €62,000 | €62,500 | €62,000 | €68,000 | €66,000 | ▼ 2.9% |
| Current assets29/58 | €54,664 | €73,300 | €62,813 | €68,636 | €88,821 | ▲ 29.4% |
| Amounts receivable within one year40/41 | €43,354 | €62,115 | €58,987 | €66,083 | €86,068 | ▲ 30.2% |
| Trade receivables40 | - | €14,628 | €24,493 | €13,915 | €27,830 | ▲ 100% |
| Other amounts receivable41 | - | €47,487 | €34,494 | €52,168 | €58,238 | ▲ 11.6% |
| Cash at bank and in hand54/58 | €11,310 | €11,185 | €3,826 | €1,292 | €1,905 | ▲ 47.5% |
| Deferred charges and accrued income490/1 | - | - | - | €1,261 | €849 | ▼ 32.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €490,527 | €491,594 | €456,334 | €445,748 | €156,014 | ▼ 65.0% |
| Equity10/15 | €53,218 | €75,682 | €64,238 | €55,039 | €70,093 | ▲ 27.4% |
| Contributions10/11 | - | €20,460 | €0 | - | - | - |
| Reserves13 | €20,550 | €28,753 | €37,769 | €37,769 | €52,822 | ▲ 39.9% |
| Non-distributable reserves130/1 | - | €0 | - | - | - | - |
| Reserves not available under the articles1311 | - | €0 | - | - | - | - |
| Distributable reserves133 | - | €28,753 | €37,769 | €37,769 | €52,822 | ▲ 39.9% |
| Profit (loss) carried forward14 | €26,469 | €26,469 | €26,469 | €17,271 | €17,271 | = |
| Amounts payable17/49 | €437,308 | €415,912 | €392,097 | €390,708 | €85,921 | ▼ 78.0% |
| Amounts payable after more than one year17 | €391,129 | €361,274 | €330,735 | €299,496 | €0 | ▼ 100% |
| Financial debts170/4 | - | €361,274 | €330,735 | €299,496 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €46,164 | €52,838 | €61,362 | €91,212 | €85,921 | ▼ 5.8% |
| Current portion of amounts payable after more than one year42 | - | €32,312 | €33,052 | €33,809 | €0 | ▼ 100% |
| Financial debts43 | - | - | €3,398 | €5,357 | €404 | ▼ 92.5% |
| Credit institutions430/8 | - | - | €3,398 | €5,357 | €404 | ▼ 92.5% |
| Trade debts44 | €4,966 | €6,855 | €9,634 | €26,695 | €73,905 | ▲ 177% |
| Suppliers440/4 | - | €6,855 | €9,634 | €26,695 | €73,905 | ▲ 177% |
| Taxes, remuneration and social security45 | - | €13,671 | €15,278 | €25,352 | €11,612 | ▼ 54.2% |
| Taxes450/3 | - | €13,671 | €15,278 | €25,352 | €11,612 | ▼ 54.2% |
| Accrued charges and deferred income492/3 | - | €1,800 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,426 | €10,064 | €9,015 | -€9,198 | €15,053 | ▲ 264% |
| + Depreciation and write-downs630 | €22,392 | €23,822 | €24,273 | €22,409 | €1,649 | ▼ 92.6% |
| Operating cash flow (approximation) | €29,818 | €33,886 | €33,288 | €13,211 | €16,702 | ▲ 26.4% |
| Investment in fixed assets (approximation) | - | -€6,254 | €500 | -€6,000 | €308,271 | ▲ 5,238% |
| Change in cash | - | -€125 | -€7,359 | -€2,534 | €613 | ▲ 124% |
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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
23-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 327 days late
2025
30-09
Financial
Back to profitnet €15,053
Net result €15,053 after one loss-making year.
2024
30-09
Financial
Weakest financial yearnet -€9,198
Net result drops to -€9,198, the lowest in the series; recovery starts the following year.
04-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity doublescurrent ratio 1.18
Current ratio from 0.49 to 1.18; short-term debt falls from €158,142 to €46,164.
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €3,643
Net result €3,643 after one loss-making year.
24-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-03
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 5 acts read
About the unread acts
We know of 5 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
5 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, Antwerpen · 1 establishment unit since 2006
Ground area
1.1 ha
Building footprint
5,247 m²
Volume, LiDAR
7,821 m³
Parcel 11003A0372/00A000, Flanders · tallest building 11.4 m. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
RECONCEPT
since 20062.156.036.420
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0372/00A000 | Flanders | 1.1 ha | 1 · 5,247 m² | 11.3 m |
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 24,729 companies in sector 64210 we hold annual accounts for 19,800. 11,388 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
Founded19-06-2006
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
41001General construction of residential buildings
68110Buying and selling of own real estate
E-invoicing
Reachable via Peppol
Peppol ID
0208:0881938648
Also
9925:BE0881938648
Registered
17-01-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.