SUPPLIES & CONCEPTS
ActiveThe computed 12-month bankruptcy probability of SUPPLIES & CONCEPTS is 2.1% (moderate). The 2025 annual accounts show equity of €33k and a net result of €3k. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 33% of 6994 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-5
Solvency57▲+16
Growth52=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.06 in 2024; short-term debt: 67.9% and cash: 6.1% of total assets), and 67.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
32.1%
Return on assets
2.9%
Age of the figures
9 mo
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 12-07-2026, 19 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
19 d early
2024
29 d late
2023
133 d late
2022
273 d late
2021
214 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 9.8%
2024 · €30k
2021: €21k
2022: €2k
2023: €17k
2024: €30k
2021 → 2025
Total assets
€102k▼ 44.5%
2024 · €184k
2021: €69k
2022: €82k
2023: €121k
2024: €184k
2021 → 2025
Net result
€3k▼ 76.2%
2024 · €12k
2021: €20k
2022: €-19k
2023: €16k
2024: €12k
2021 → 2025
Working capital
€33k▲ 256%
2024 · €9k
2021: €15k
2022: €-11k
2023: €6k
2024: €9k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€2k▼ 91.0%€17k▲ 814%€30k▲ 70.6%€33k▲ 9.8%
Operating result€27k-€-17k€26k€21k▼ 18.2%€5k▼ 75.8%
Net result€20k-€-19k€16k€12k▼ 20.8%€3k▼ 76.2%
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 two years in a row; 2025 is 76% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €102k
Equity
€33k▲ 9.8%
Debt
€69k▼ 55.0%
The debt ratio falls from 83.8% to 67.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €33k
Cash flow
€4k▼
2024 · €25k
Solvency
32.1%▲
2024 · 16.2%
Current ratio
1.47▲
2024 · 1.06
Quick ratio
1.47▲
2024 · 1.06
Debt / equity
2.12▼
2024 · 5.17
ROE
8.9%▼
2024 · 41.4%
ROA
2.9%▼
2024 · 6.7%
Interest coverage
76.99▲
2024 · 12.38
Debt
€69k▼
2024 · €154k
Debt ≤ 1 year
€69k▼
2024 · €154k
Income taxes
€2k▼
2024 · €6k
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€184k€102k▼
Fixed assets21/28€21k-
Tangible fixed assets22/27€12k-
Furniture and vehicles24€12k-
Financial fixed assets28€8k-
Current assets29/58€163k€102k▼
Amounts receivable within one year40/41€157k€96k▼
Trade receivables40€41k€17k▼
Other amounts receivable41€116k€78k▼
Cash at bank and in hand54/58€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€184k€102k▼
Equity10/15€30k€33k▲
Contributions10/11€2k€2k=
Reserves13€150€150=
Distributable reserves133€150€150=
Profit (loss) carried forward14€28k€31k▲
Amounts payable17/49€154k€69k▼
Amounts payable within one year42/48€154k€69k▼
Trade debts44€39k€5k▼
Suppliers440/4€39k€5k▼
Taxes, remuneration and social security45€115k€64k▼
Taxes450/3€113k€64k▼
Remuneration and social security454/9€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€2k▼
Other operating charges640/8€2k€111▼
Non-recurring operating charges66A-€9k
Gross operating margin9900€35k€16k▼
Operating profit (loss)9901€21k€5k▼
Financial income75/76B€59€14▼
Recurring financial income75€59€14▼
Financial charges65/66B€3k€86▼
Recurring financial charges65€3k€86▼
Profit (loss) for the period before taxes9903€18k€5k▼
Income taxes67/77€6k€2k▼
Profit (loss) for the period9904€12k€3k▼
Profit (loss) for the period to be appropriated9905€12k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€31k▲
Profit (loss) brought forward from the previous period14P€16k€28k▲
The notes to these accounts (7 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
12-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
11-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 133 days late
29-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 273 days late
2023
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
02-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 214 days late
2022
31-12
Financial
Weakest financial yearnet €-19k ▼198%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Brussel · 1 establishment unit since 2020
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.
Kunstlaan 561000 BrusselGround area
4,653 m²
Building footprint
2,861 m²
Volume, LiDAR
80,518 m³
Parcel 21805E0475/00F000, Brussels · tallest building 34.5 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
SUPPLIES & CONCEPTS
since 20202.329.841.515
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21805E0475/00F000 | Brussels | 4,653 m² | 1 · 2,861 m² | 34.5 m · 9 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.
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Of 9,862 companies in sector 73110 we hold annual accounts for 3,755. 2,860 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2020
Fiscal year end31-12
Activities, NACEBEL
73110Advertising agencies
62020IT consultancy
62200Computer consultancy and computer facilities management
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.