THE CONCEPT POOL
ActiveTHE CONCEPT POOL has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €-3k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 71% of 4329 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency65▼-1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity short (current ratio 0.35 against 0.49 in 2024), and 39.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 filingsDeviation from the deadline
2025
19 d late
2024
12 d late
2023
12 d late
2022
34 d early
2021
32 d early
2020
37 d early
2019
105 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
08-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▼ 3.1%
2024 · €110k
2018: €68k
2019: €84k
2020: €89k
2021: €101k
2022: €83k
2023: €77k
2024: €110k
2018 → 2025
Total assets
€175k▼ 0.3%
2024 · €176k
2018: €98k
2019: €99k
2020: €127k
2021: €255k
2022: €213k
2023: €181k
2024: €176k
2018 → 2025
Net result
€-3k
2024 · €26k
2018: €-7k
2019: €16k
2020: €5k
2021: €11k
2022: €-18k
2023: €-5k
2024: €26k
2018 → 2025
Working capital
€-44k▼ 72.0%
2024 · €-26k
2018: €66k
2019: €84k
2020: €74k
2021: €32k
2022: €-7k
2023: €-33k
2024: €-26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€83k▼ 17.9%€77k▼ 6.3%€110k▲ 42.1%€107k▼ 3.1%
Operating result€14k-€-15k€1k€29k▲ 2,316%€-6k
Net result€11k-€-18k€-5k▲ 71.1%€26k€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €29k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €175k
Fixed assets
€151k=
Current assets
€24k▼ 2.4%
Equity and liabilities €175k
Equity
€107k▼ 3.1%
Debt
€68k▲ 4.3%
The debt ratio rises from 37.3% to 39.1%: debt grows while equity shrinks.
Key figures and ratios
Solvency
60.9%▼
2024 · 62.7%
Current ratio
0.35▼
2024 · 0.49
Quick ratio
0.08▼
2024 · 0.12
Debt / equity
0.64▲
2024 · 0.60
ROE
-3.2%▼
2024 · 24.0%
ROA
-2.0%▼
2024 · 15.0%
Debt
€68k▲
2024 · €66k
Debt ≤ 1 year
€68k▲
2024 · €50k
Income taxes
€302▲
2024 · €297
Staff costs
€28k▼
2024 · €85k
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€176k€175k▼
Fixed assets21/28€151k€151k=
Financial fixed assets28€151k€151k=
Current assets29/58€24k€24k▼
Stocks and contracts in progress3€18k€18k=
Stocks30/36€18k€18k=
Amounts receivable within one year40/41€4k€3k▼
Trade receivables40€3k€3k=
Other amounts receivable41€2k€768▼
Cash at bank and in hand54/58€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€176k€175k▼
Equity10/15€110k€107k▼
Contributions10/11€19k€19k=
Reserves13€19k€19k=
Non-distributable reserves130/1€19k€19k=
Reserves not available under the articles1311€19k€19k=
Profit (loss) carried forward14€73k€69k▼
Amounts payable17/49€66k€68k▲
Amounts payable after more than one year17€15k-
Financial debts170/4€15k-
Amounts payable within one year42/48€50k€68k▲
Current portion of amounts payable after more than one year42€26k€15k▼
Trade debts44€8k€4k▼
Suppliers440/4€8k€4k▼
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€6k€3k▼
Remuneration and social security454/9€1k-
Other amounts payable47/48€9k€46k▲
Income statement
Code20242025
Remuneration, social security and pensions62€85k€28k▼
Other operating charges640/8€300€571▲
Gross operating margin9900€114k€22k▼
Operating profit (loss)9901€29k€-6k▼
Financial income75/76B€0€4k▲
Recurring financial income75€0€4k▲
Non-recurring financial income76B-€4k
Financial charges65/66B€2k€736▼
Recurring financial charges65€2k€736▼
Profit (loss) for the period before taxes9903€27k€-3k▼
Income taxes67/77€297€302▲
Profit (loss) for the period9904€26k€-3k▼
Profit (loss) for the period to be appropriated9905€26k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€73k€69k▼
Profit (loss) brought forward from the previous period14P€47k€73k▲
The notes to these accounts (6 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial
Back to profitnet €26k
Net result €26k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €110k ▲42.1%
Equity rises from €77k to €110k.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-18k ▼260%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €101k ▲12.6%
3 profitable years in a row build equity to €101k.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 105 days late
2019
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 52 days late
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Pajottegem · 1 establishment unit since 2008
Ground area
1,176 m²
Building footprint
171 m²
Volume, LiDAR
724 m³
Parcel 23058A0201/00M000, Flanders · tallest building 6.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
THE CONCEPT POOL
since 20082.174.617.957
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23058A0201/00M000 | Flanders | 1,176 m² | 1 · 171 m² | 6.8 m · 1 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 21,144 companies in sector 81300 we hold annual accounts for 4,343. 3,601 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-11-2008
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.