Skip to content

T.G. CONCEPT

Active
Private limited companyfounded 200916 yrs activeChaussée de Bruxelles 125, 1341 Ottignies-Louvain-la-Neuve, BelgiumKBO/BCE: BE 0821.458.059
Summary

T.G. CONCEPT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.2m and a net result of €47,007. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 86% of 1316 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
T.G. CONCEPTActiveChecked score 95/100
Risk analysis ReportCompare

Overview

Activity
Landscape service activities
NACE 81300Other specialised construction activities NACE 43990NACE 43999
#6 company by equity in Ottignies-Louvain-la-Neuve, Administrative and support services sector1 site
Size
€1.6mtotal assets 2025
Staff
2.3 FTE
Equity
€1.2m
Profit
€47,007
Net result -69%: other schema
Financial health
95 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts filed 25 d late0 of 5 deeds read
Why 95- Sector Services to buildings and landscape activities (NACE 81)+ Liquidity: current ratio 4.76, cash €268,135+ Equity €1.2m (77.7% of total assets)+ Founded in 2009Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Better than 61% of its sector peers (NACE 81, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 77.7% of total assets
Liquidity 66-13
short-term debt 19.0% · cash 17.0%
Profitability 72-11
return on assets 3.0%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.0% (7,566 companies)
Last 22 months 01-2025: 0.1% 02-2025: 0.1%▼ -1.2% vs 01-2025 03-2025: 0.1%▼ -1.3% vs 02-2025 04-2025: 0.1%▲ +2.5% vs 03-2025 05-2025: 0.1%● 0.0% vs 04-2025 06-2025: 0.1%▲ +32.1% vs 05-2025 07-2025: 0.1%▲ +23.4% vs 06-2025highest value 08-2025: < 0.1%▼ -66.7% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%▼ -2.3% vs 12-2025lowest value 02-2026: < 0.1%▲ +2.3% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▲ +2.3% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%▲ +8.9% vs 05-2026 07-2026: 0.1%▲ +30.6% vs 06-2026 08-2026: 0.1%▲ +98.4% vs 07-2026 09-2026: 0.1%▼ -40.2% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026
  • Liquidity: current ratio 4.76, cash €268,135 lowers the probability
  • Equity €1.2m (77.7% of total assets) lowers the probability
  • Sector Services to buildings and landscape activities (NACE 81) raises the probability
  • Founded in 2009 lowers the probability for this profile
Credit up to €110,000 at 30 days acceptable
Liquidity ample (current ratio 4.76 against 8.06 in 2024; short-term debt: 19% and cash: 17% of total assets), and 22.3% 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 81, micro). Better than this share of them on solvency 92%, liquidity 69%, profitability 42%, growth against the median 42%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, 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.

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
lowers risk · Liquidity: current ratio 4.76, cash €268,135
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €1.2m (77.7% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Services to buildings and landscape activities (NACE 81)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Founded in 2009
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filings
Deviation from the deadline
2025
25 d late
2024
23 d early
2023
32 d early
2022
30 d late
2021
6 d early
2020
17 d late
2019
on the day
← 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 2 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% 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 25 July (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 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 · abbreviated…
  2. Weakest financial yearnet €47,007 ▼68.5%
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Caution: Result fell in 2025different schema filed ▼ 68.5% View
  • Positive: Among the best 12% on equitysector median €198,814 · 1,316 companies €1.2m View
  • Positive: 8 profitable years in a rowprofit 2025: €47,007 8 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.6m
Profit
€47,007
Solvency
77.7%
Total assets▲ 18.8%
Net result
20182025
Go to Financials

Timeline

Events
17
Since
2017
Next accounts
by 31-07-2027
  1. 25-08-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 08-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Landscape service activitiesNACE 81300
Founded
15-12-2009
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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

Your own company? See how customers, suppliers and banks see it and what to improve first.

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

We would like to set cookies. That happens only with your consent. What we measure