Financials
- Fiscal year
- 2025
- Total assets
- €169,752
- Loss
- -€23,455
- Solvency
- 73.9%
Total assets▼ 28.0%
Net result
20212025
RS CONCEPT & CREATION
ActiveSummary
The computed 12-month bankruptcy probability of RS CONCEPT & CREATION is 3.7% (moderate). The 2025 annual accounts show equity of €125,519 and a net result of -€23,455. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 30651 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Plastering work
NACE 43310Other specialised construction activities NACE 43990NACE 43995
1 site
How big
€169,752total assets 2025
- Staff
- 1.9 FTE
- Equity
- €125,519
- Loss
- -€23,455
Turnover not published (abridged schema)
Who decides
Accounts filed 31 d late0 of 1 deed read
Why 49- Liquidity: current ratio 3.65- Latest accounts 31 days late; 1 of the last 3 late- Founded in 2020- Sector Specialised construction activities (NACE 43)Show the evidence
Checked score
Score 2025
49
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 47% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
99+10
equity 73.9% of total assets
Liquidity
80+45
short-term debt 26.0%
Profitability
1-90
return on assets -13.8%
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
- Liquidity: current ratio 3.65 raises the probability
- Latest accounts 31 days late; 1 of the last 3 late raises the probability
- Founded in 2020 raises the probability for this profile
- Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 3.65 against 2.63 in 2024; short-term debt: 26% of total assets), and 26.1% 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 80%, liquidity 78%, profitability 9%, growth against the median 20%. 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
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
19 d late
2022
156 d late
2021
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 47 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 31 August (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€23,455
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 8
- Since
- 2022
- Next accounts
- by 31-07-2027
- 31-08-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 31-07-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Plastering workNACE 43310
- Founded
- 21-12-2020
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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