T.M.CONCEPT

Active

Private limited companyfounded 20214 yrs activeLt. Graffplein 15, 1780 Wemmel, BelgiumKBO/BCE: BE 0776.480.248

Summary

T.M.CONCEPT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127,456 and a net result of €329. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 72% of 15312 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch Report Compare

T.M.CONCEPTActiveChecked score 86/100

Risk analysis Report Compare

Activity

Development of residential building projects

NACE 68121Real estate development NACE 41101

1 site

Size

€211,703total assets 2025

Equity: €127,456
Profit: €329

Turnover not published (abridged schema)

Financial health

86 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.3%

Structure

Accounts 18 d early0 of 2 deeds read

Why 86- Founded in 2021- Size: total assets €211,703+ Sector Real estate activities (NACE 68)+ Figures for FY 2025 (filed 13-07-2026)Show the evidence

Checked score

Score 2025

86 / 100

Excellent

Probability in this band: under 0.55%

Better than 47% of its sector peers (NACE 68, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 85+24

equity 60.2% of total assets

Liquidity 45+24

short-term debt 39.8% · cash 10.8%

Profitability 69-31

return on assets 0.2%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,360 companies)

Last 19 months 04-2025: 0.8% 05-2025: 0.8%▲ +2.2% vs 04-2025 06-2025: 0.8%▲ +0.6% vs 05-2025highest value 07-2025: 0.7%▼ -8.0% vs 06-2025 08-2025: 0.3%▼ -53.4% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%▼ -2.6% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%▼ -2.1% vs 12-2025 02-2026: 0.3%▲ +0.6% vs 01-2026 03-2026: 0.3%▲ +2.4% vs 02-2026 04-2026: 0.4%▲ +5.3% vs 03-2026 05-2026: 0.4%▲ +8.6% vs 04-2026 06-2026: 0.4%▲ +2.8% vs 05-2026 07-2026: 0.4%▲ +2.0% vs 06-2026 08-2026: 0.3%▼ -29.5% vs 07-2026lowest value 09-2026: 0.3%● 0.0% vs 08-2026lowest value 10-2026: 0.3%▲ +0.7% vs 09-2026

Sector Real estate activities (NACE 68) lowers the probability
Founded in 2021 raises the probability for this profile
Size: total assets €211,703 raises the probability for this profile
Figures for FY 2025 (filed 13-07-2026) lowers the probability

Credit up to €10,000 at 30 days acceptable

Liquidity ample (current ratio 2.51 against 1.55 in 2024; short-term debt: 39.8% and cash: 10.8% of total assets), and 39.8% 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 68, micro). Better than this share of them on solvency 71%, liquidity 39%, profitability 56%, growth against the median 22%. 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

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Real estate activities (NACE 68)

In the bankruptcy model this factor lowers the probability.

KBO

Founded in 2021

In the bankruptcy model this factor raises the probability for this profile.

KBO

Size: total assets €211,703

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Figures for FY 2025 (filed 13-07-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

18 d early

2024

5 d early

2023

7 d early

2022

61 d late

← 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 8 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)

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 26 July (3 of the last 4 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

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