Financials
- Fiscal year
- 2024
- Total assets
- €533,155
- Profit
- €30,110
- Solvency
- 32.3%
Total assets▼ 4.4%
Net result
20182024
TOTAALCONCEPT
ActiveSummary
TOTAALCONCEPT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €171,968 and a net result of €30,110. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 29% of 37961 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220NACE 74142
1 site
Size
€533,155total assets 2024
- Equity
- €171,968
- Profit
- €30,110
Turnover not published (abridged schema)
Structure
Accounts 66 d overdue0 of 5 deeds read
Why 81- Figures for FY 2024 (filed 11-10-2025)- 1 financial year not filed after the legal deadline; latest accounts 72 days late; 1 of the last 3 late+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Size: total assets €533,155Show the evidence
Checked score
Score 2024
81
/ 100
Excellent
Probability in this band: under 0.55%
Better than 44% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Strong
Solvency
57+5
equity 32.3% of total assets
Liquidity
64+1
short-term debt 11.9% · cash 12.1%
Profitability
60-20
return on assets 5.6%
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: < 0.1%lowest value
12-2024: < 0.1%● 0.0% vs 11-2024lowest value
01-2025: < 0.1%● 0.0% vs 12-2024lowest value
02-2025: < 0.1%● 0.0% vs 01-2025lowest value
03-2025: < 0.1%▲ +2.4% vs 02-2025
04-2025: < 0.1%▲ +2.4% vs 03-2025
05-2025: < 0.1%▲ +2.3% vs 04-2025
06-2025: < 0.1%▲ +9.1% vs 05-2025
07-2025: 0.1%▲ +47.9% vs 06-2025
08-2025: 0.2%▲ +117% vs 07-2025
09-2025: 0.2%▲ +21.4% vs 08-2025
10-2025: 0.3%▲ +50.3% vs 09-2025
11-2025: 0.2%▼ -41.3% vs 10-2025
12-2025: 0.2%● 0.0% vs 11-2025
01-2026: 0.2%▼ -0.6% vs 12-2025
02-2026: 0.2%▲ +0.6% vs 01-2026
03-2026: 0.2%● 0.0% vs 02-2026
04-2026: 0.2%▼ -1.8% vs 03-2026
05-2026: 0.2%▲ +6.8% vs 04-2026
06-2026: 0.2%▼ -2.3% vs 05-2026
07-2026: 0.2%▲ +8.9% vs 06-2026
08-2026: 0.3%▲ +83.7% vs 07-2026
09-2026: 0.4%▲ +13.3% vs 08-2026
10-2026: 0.5%▲ +35.2% vs 09-2026highest value
- Figures for FY 2024 (filed 11-10-2025) raises the probability
- Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
- 1 financial year not filed after the legal deadline; latest accounts 72 days late; 1 of the last 3 late raises the probability
- Size: total assets €533,155 lowers the probability for this profile
Credit up to €13,000 at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.28 in 2023; short-term debt: 11.9% and cash: 12.1% of total assets), but 67.7% 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 70, micro). Better than this share of them on solvency 32%, liquidity 56%, profitability 27%, growth against the median 62%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-10-2025, 72 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
72 d late
2023
8 d early
2022
45 d early
2021
103 d early
2020
86 d late
2019
9 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
- Equity above €150,000Eq €171,968 ▲15.1%
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 15
- Since
- 2016
- 11-10-2025Annual accounts filed
- 31-12-2024Equity above €150,000
- 23-07-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 26-01-2004
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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 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 What changed in the latest annual accounts?What changed
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.