Skip to content

SL CONCEPT

Active
Private limited companyfounded 20215 yrs activeWaha, Rue Sainte-Barbe 18, 6900 Marche-en-Famenne, BelgiumKBO/BCE: BE 0761.798.111
Summary

The computed 12-month bankruptcy probability of SL CONCEPT is 1.5% (moderate). The 2024 annual accounts show equity of €498,032 and a net result of €154,034. Equity is growing by ~49.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 15862 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
1.5% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 9.16 against 6.72 in 2023; short-term debt: 10.8% and cash: 84.7% of total assets), and 10.8% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 5 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
89.2%
Return on assets
27.6%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-06-2025, 36 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
not confirmed
2024
36 d early
2023
33 d early
2022
35 d early
2021
31 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 34 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (1)
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

History

SL CONCEPT was incorporated on 19 January 2021 as a Private limited company.1 Total assets rose from EUR 124,775 in 2021 to EUR 558,260 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2021 and 2024

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2024, micro schema

Equity
€498,032▲ 44.8%
2023 · €343,998
Total assets
€558,260▲ 38.3%
2023 · €403,685
Net result
€154,034▲ 25.9%
2023 · €122,384
Working capital
€491,655▲ 44.1%
2023 · €341,134
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, 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
Line2021202220232024
Operating result€97,324-€184,916▲ 90.0%€158,809▼ 14.1%€201,174▲ 26.7%
Net result€76,205above the sector's middle half-€142,410above the sector's middle half▲ 86.9%€122,384above the sector's middle half▼ 14.1%€154,034above the sector's middle half▲ 25.9%
Equity€79,205within the sector's middle half-€221,615above the sector's middle half▲ 180%€343,998above the sector's middle half▲ 55.2%€498,032above the sector's middle half▲ 44.8%
Total assets€124,775within the sector's middle half-€274,255within the sector's middle half▲ 120%€403,685above the sector's middle half▲ 47.2%€558,260above the sector's middle half▲ 38.3%
Debt€45,571-€52,641▲ 15.5%€59,687▲ 13.4%€60,227▲ 0.9%
Working capital€79,205-€217,957▲ 175%€341,134▲ 56.5%€491,655▲ 44.1%
Solvency63.5%within the sector's middle half-80.8%above the sector's middle half▲ 17.3pp85.2%above the sector's middle half▲ 4.4pp89.2%above the sector's middle half▲ 4.0pp
above within below the middle half (P25 to P75) of NACE 46, Wholesale trade, 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
€0€100,000€200,000Operating result 2021: €97,324€97,324Net result 2021: €76,205€76,205Operating result 2022: €184,916€184,916Net result 2022: €142,410€142,410Operating result 2023: €158,809€158,809Net result 2023: €122,384€122,384Operating result 2024: €201,174€201,174Net result 2024: €154,034€154,0342021202220232024€0€100,000€200,000Operating result 2022: €184,916€185,000Net result 2022: €142,410€142,000Operating result 2023: €158,809€159,000Net result 2023: €122,384€122,000Operating result 2024: €201,174€201,000Net result 2024: €154,034€154,000202220232024
The operating result recovers in 2024; 2024 is 27% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €558,260
Fixed assets €6,378 ▲ 123%
Current assets €551,882 ▲ 37.7%
Equity and liabilities €558,260
Equity €498,032 ▲ 44.8%
Debt €60,227 ▲ 0.9%
Debt's share of the balance-sheet total falls from 14.8% to 10.8%. Equity and debt are higher.
Key figures and ratios
2024 value · change against 2023
EBITDA
€202,446▲
2023 · €159,602
Cash flow
€155,306▲
2023 · €123,177
Current ratio
9.16▲
2023 · 6.72
Debt to equity
0.12▼
2023 · 0.17
ROE
30.9%▼
2023 · 35.6%
ROA
27.6%▼
2023 · 30.3%
Interest coverage
1783.51▲
2023 · 1564.73
Debt ≤ 1 year
€60,227▲
2023 · €59,687
Income taxes
€47,027▲
2023 · €36,323
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,778 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 97% are still going.

  • Small
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.5% went bankrupt
2.6% stopped otherwise
97% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 6,778 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 35 lines
Balance sheet Code20232024
Assets
Total assets20/58€403,685€558,260▲
Fixed assets21/28€2,864€6,378▲
Tangible fixed assets22/27€2,864€6,378▲
Land and buildings22-€4,307
Furniture and vehicles24€2,864€2,071▼
Current assets29/58€400,821€551,882▲
Amounts receivable within one year40/41€58,272€77,049▲
Trade receivables40€27,327€22,473▼
Other amounts receivable41€30,945€54,575▲
Cash at bank and in hand54/58€342,353€472,855▲
Deferred charges and accrued income490/1€197€1,979▲
Equity and liabilities
Total equity and liabilities10/49€403,685€558,260▲
Equity10/15€343,998€498,032▲
Contributions10/11€3,000€3,000=
Profit (loss) carried forward14€340,998€495,032▲
Amounts payable17/49€59,687€60,227▲
Amounts payable within one year42/48€59,687€60,227▲
Trade debts44€3,049€4,495▲
Suppliers440/4€3,049€4,495▲
Taxes, remuneration and social security45€56,638€55,732▼
Taxes450/3€56,638€55,732▼
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€793€1,272▲
Other operating charges640/8€383€4,155▲
Gross operating margin9900€159,985€206,601▲
Operating profit (loss)9901€158,809€201,174▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€102€114▲
Recurring financial charges65€102€114▲
Profit (loss) for the period before taxes9903€158,707€201,061▲
Income taxes67/77€36,323€47,027▲
Profit (loss) for the period9904€122,384€154,034▲
Profit (loss) for the period to be appropriated9905€122,384€154,034▲
Appropriation of the result
Profit (loss) to be appropriated9906€340,998€495,032▲
Profit (loss) brought forward from the previous period14P€218,615€340,998▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€309€793€1,272▲ 60.3%
Other operating charges640/8€1,422€1,650€383€4,155▲ 986%
Gross operating margin9900€98,747€186,875€159,985€206,601▲ 29.1%
Operating profit (loss)9901€97,324€184,916€158,809€201,174▲ 26.7%
Financial income75/76B---€1-
Recurring financial income75---€1-
Financial charges65/66B€133€148€102€114▲ 11.3%
Recurring financial charges65€133€148€102€114▲ 11.3%
Profit (loss) for the period before taxes9903€97,191€184,768€158,707€201,061▲ 26.7%
Income taxes67/77€20,987€42,358€36,323€47,027▲ 29.5%
Profit (loss) for the period9904€76,205€142,410€122,384€154,034▲ 25.9%
Profit (loss) for the period to be appropriated9905€76,205€142,410€122,384€154,034▲ 25.9%
Line2021202220232024Change
Assets
Total assets20/58€124,775€274,255€403,685€558,260▲ 38.3%
Fixed assets21/28-€3,658€2,864€6,378▲ 123%
Tangible fixed assets22/27-€3,658€2,864€6,378▲ 123%
Land and buildings22---€4,307-
Furniture and vehicles24-€3,658€2,864€2,071▼ 27.7%
Current assets29/58€124,775€270,598€400,821€551,882▲ 37.7%
Amounts receivable within one year40/41€17,736€31,534€58,272€77,049▲ 32.2%
Trade receivables40€17,736€24,949€27,327€22,473▼ 17.8%
Other amounts receivable41-€6,585€30,945€54,575▲ 76.4%
Cash at bank and in hand54/58€104,897€238,878€342,353€472,855▲ 38.1%
Deferred charges and accrued income490/1€2,143€186€197€1,979▲ 905%
Equity and liabilities
Total equity and liabilities10/49€124,775€274,255€403,685€558,260▲ 38.3%
Equity10/15€79,205€221,615€343,998€498,032▲ 44.8%
Contributions10/11€3,000€3,000€3,000€3,000=
Profit (loss) carried forward14€76,205€218,615€340,998€495,032▲ 45.2%
Amounts payable17/49€45,571€52,641€59,687€60,227▲ 0.9%
Amounts payable within one year42/48€45,571€52,641€59,687€60,227▲ 0.9%
Trade debts44-€437€3,049€4,495▲ 47.4%
Suppliers440/4-€437€3,049€4,495▲ 47.4%
Taxes, remuneration and social security45€44,515€52,204€56,638€55,732▼ 1.6%
Taxes450/3€36,729€52,204€56,638€55,732▼ 1.6%
Remuneration and social security454/9€7,786----
Other amounts payable47/48€1,056----
Line2021202220232024Change
Profit (loss) for the period9904€76,205€142,410€122,384€154,034▲ 25.9%
+ Depreciation and write-downs630-€309€793€1,272▲ 60.3%
Operating cash flow (approximation)€76,205€142,718€123,177€155,306▲ 26.1%
Investment in fixed assets (approximation)--€0-€4,785-
Change in cash-€133,981€103,474€130,502▲ 26.1%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

2025
25-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Highest result since 2021net €154,034 ▲25.9%
Operating result €201,174, net result €154,034, both a record.
28-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Equity above €200,000Eq €221,615 ▲180%
2 profitable years in a row build equity to €221,615.
30-06
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
4 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, Marche-en-Famenne · 1 establishment unit since 2021
seat establishment The establishment unit on the map
Ground area
1,410 m²
Parcel 83053C0440/00K009, Wallonia. Linked by address, not a title deed.
1 establishment unit
Waha, Rue Sainte-Barbe 18, 6900 Marche-en-Famenne
Agents specialised in the wholesale of other particular products
since 20212.313.035.076
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
83053C0440/00K009 Wallonia 1,410 m² - -
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.

Similar companies · same sector, comparable size

Of 4,414 companies in sector 46180 we hold annual accounts for 1,892. 1,179 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
Founded19-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
46180Agents specialised in the wholesale of other particular products
E-invoicing
Reachable via Peppol
Peppol ID 0208:0761798111
Also 9925:BE0761798111
Registered 06-02-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.