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TD CONCEPT & CO

Active
Private limited companyfounded 2021active for 4 yearsAvenue des Dessus de Lives(LO) 2, 5101 Namur, Belgium142 active companies are registered at this addressKBO/BCE: BE 0779.433.206
Summary

TD CONCEPT & CO has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2,631 and a net result of -€280. Equity is shrinking by about 55% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2026. Its solvency ranks better than 25% of 1,247 sector peers (NACE 42, financial year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Risk analysisFollow ReportCompare
TD CONCEPT & COActiveChecked score 63/100
Risk analysis ReportCompare

Overview

Activity
Civil engineering
NACE 42911General construction of residential buildings NACE 41001
1 site
Size
€11,387total assets 2025
Equity
€2,631
Loss
-€280
Turnover not published (micro format)
Financial health
63 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.3%
Structure
Accounts filed 54 days late0 of 1 deed read
Why 63raises riskLatest accounts 54 days late; 3 of the last 3 lateFounded in 2021Equity €2,631 (23.1% of total assets)lowers riskLiquidity: current ratio 1.23, cash €6,870Show the evidence

Checked score

Score 2025
63 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 33% of its sector peers (NACE 42, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 48-6
equity 23.1% of total assets
Liquidity 58-12
short-term debt 76.9% · cash 60.3%
Profitability 34+34
return on assets -2.5%
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.8% (1,867 companies, NACE 42, micro)
Last 24 months 11-2024: 1.4% 12-2024: 1.4%● unchanged vs 11-2024 01-2025: 1.4%● unchanged vs 12-2024 02-2025: 1.3%▼ -0.1 percentage points vs 01-2025 03-2025: 1.4%▲ +0.1 percentage points vs 02-2025 04-2025: 1.4%● unchanged vs 03-2025 05-2025: 1.4%● unchanged vs 04-2025 06-2025: 1.4%● unchanged vs 05-2025 07-2025: 1.5%▲ +0.1 percentage points vs 06-2025 08-2025: 2.1%▲ +0.6 percentage points vs 07-2025 09-2025: 2.1%● unchanged vs 08-2025 10-2025: 1.2%▼ -0.9 percentage points vs 09-2025 11-2025: 1.2%● unchanged vs 10-2025 12-2025: 1.1%▼ -0.1 percentage points vs 11-2025 01-2026: 1.1%● unchanged vs 12-2025lowest value 02-2026: 1.1%● unchanged vs 01-2026lowest value 03-2026: 1.1%● unchanged vs 02-2026 04-2026: 1.2%▲ +0.1 percentage points vs 03-2026 05-2026: 1.2%● unchanged vs 04-2026 06-2026: 1.2%● unchanged vs 05-2026 07-2026: 1.3%▲ +0.1 percentage points vs 06-2026 08-2026: 1.9%▲ +0.6 percentage points vs 07-2026 09-2026: 2.2%▲ +0.3 percentage points vs 08-2026highest value 10-2026: 1.3%▼ -0.9 percentage points vs 09-2026
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 42, micro): better than 26% on solvency, 61% on liquidity, 20% on profitability and 26% on growth.

The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.
lowers riskraises riskneutral
raises risk · Latest accounts 54 days late; 3 of the last 3 late
NBB · filings
lowers risk · Liquidity: current ratio 1.23, cash €6,870
NBB · annual accounts
raises risk · Founded in 2021
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Equity €2,631 (23.1% of total assets)
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
22232425
2022 to 2025 · latest year -€280
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 1247 sector peers (2025).
NBB · sector comparison
Position among 1247 sector peers
Solvency
better than 25%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filings
Deviation from the deadline
2025
54 days late
2024
44 days late
2023
53 days late
2022
105 days 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 64 days after the deadline; the sector median (NACE 42) for financial year 2024 is 2 days before the deadline, and 41% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 23 September (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Weakest financial yearnet -€6,631

Key points

  • Risk: 3 loss-making years in a rowloss financial year 2025 -€280 View
  • Caution: Among the weakest 11% on equitysector median €54,526 · 1,248 companies €2,631 View
  • Total assets 20254 financial years filed €11,387 View

By topic

Financials

Financial year
2025
Total assets
€11,387
Loss
-€280
Solvency
23.1%
Total assets▲ 11.7%
Net result
20222025
Go to Financials

Timeline

Events
5
Since
2023
Next accounts
by 31-07-2027
  1. 22-09-2024Annual accounts filed
  2. 13-11-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Civil engineeringNACE 42911
Founded
28-12-2021
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about TD CONCEPT & CO

What is the company number of TD CONCEPT & CO?
0779.433.206. In Belgium the VAT number is the company number with BE in front: BE 0779.433.206.
Where is TD CONCEPT & CO based?
The registered office is at Avenue des Dessus de Lives(LO) 2, 5101 Namur.Company details
What does TD CONCEPT & CO do?
According to the KBO register, the main activity is civil engineering (NACE 42911).
What is the legal form of TD CONCEPT & CO?
Private limited company (BV).
When was TD CONCEPT & CO founded?
On 28-12-2021.
Is TD CONCEPT & CO still active?
Yes, TD CONCEPT & CO is an active enterprise in the KBO register.
What is the turnover of TD CONCEPT & CO?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is TD CONCEPT & CO profitable?
In financial year 2025, TD CONCEPT & CO made a loss of €280.
Where can I find the annual accounts of TD CONCEPT & CO?
TD CONCEPT & CO filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of TD CONCEPT & CO due?
By 31-07-2027, for financial year 2026.Timeline

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