VIC CONCEPT

Active

Private limited companyfounded 20215 yrs activeW.A. Mozartlaan 2, 1620 Drogenbos, BelgiumKBO/BCE: BE 0773.939.442

Summary

VIC CONCEPT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59,009 and a net result of €17,806. Equity is growing by ~34.7% per year across the filed fiscal years. Its solvency ranks better than 72% of 8619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisWatch Report Compare

VIC CONCEPTActiveChecked score 84/100

Risk analysis Report Compare

Activity

General construction of residential buildings

NACE 41001General construction of buildings NACE 41201

1 site

Size

€91,698total assets 2025

Equity: €59,009
Profit: €17,806

Turnover not published (abridged schema)

Financial health

84 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.5%

Structure

Board: 1 member

Accounts 43 d early1 of 2 deeds read

Why 84- Founded in 2021- Sector Construction of residential and non-residential buildings (NACE 41)+ Liquidity: current ratio 2.28, cash €45,421, halved+ Equity €59,009 (64.4% of total assets)Show the evidence

Checked score

Score 2025

84 / 100

Excellent

Probability in this band: under 0.55%

Better than 63% of its sector peers (NACE 41, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 89+6

equity 64.4% of total assets

Liquidity 84+4

short-term debt 35.6% · cash 49.5%

Profitability 93-7

return on assets 19.4%

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.6% (13,187 companies)

Last 24 months 11-2024: 1.0% 12-2024: 1.0%▲ +1.0% vs 11-2024 01-2025: 1.0%▼ -0.2% vs 12-2024 02-2025: 1.0%▲ +1.5% vs 01-2025 03-2025: 1.1%▲ +1.9% vs 02-2025 04-2025: 1.1%▲ +4.7% vs 03-2025highest value 05-2025: 1.0%▼ -9.0% vs 04-2025 06-2025: 1.0%▼ -0.1% vs 05-2025 07-2025: 0.3%▼ -71.3% vs 06-2025 08-2025: 0.3%● 0.0% vs 07-2025 09-2025: 0.3%▼ -0.7% vs 08-2025 10-2025: 0.3%● 0.0% 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%▼ -12.2% vs 12-2025lowest value 02-2026: 0.3%▲ +7.2% vs 01-2026 03-2026: 0.3%● 0.0% vs 02-2026 04-2026: 0.3%▲ +1.5% vs 03-2026 05-2026: 0.3%▲ +10.6% vs 04-2026 06-2026: 0.3%▲ +5.3% vs 05-2026 07-2026: 0.4%▲ +13.5% vs 06-2026 08-2026: 0.4%▲ +19.7% vs 07-2026 09-2026: 0.5%▲ +14.1% vs 08-2026 10-2026: 0.5%▲ +1.2% vs 09-2026

Liquidity: current ratio 2.28, cash €45,421, halved lowers the probability
Founded in 2021 raises the probability for this profile
Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
Equity €59,009 (64.4% of total assets) lowers the probability

Credit up to €4,500 at 30 days acceptable

Liquidity ample (current ratio 2.28 against 2.39 in 2024; short-term debt: 35.6% and cash: 49.5% of total assets), and 35.6% 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 41, micro). Better than this share of them on solvency 74%, liquidity 86%, profitability 78%, growth against the median 15%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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

Liquidity: current ratio 2.28, cash €45,421, halved

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Founded in 2021

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

KBO

Sector Construction of residential and non-residential buildings (NACE 41)

In the bankruptcy model this factor raises the probability.

KBO

Equity €59,009 (64.4% of total assets)

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 18-06-2026, 43 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

43 d early

2024

58 d early

2023

44 d early

2022

32 d early

← 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 44 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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 18 June (4 of the last 4 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 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

14-07-26 Appointment: Daniel lonascu (director)Resignation: Anna lonascu (director)
18-06-26 Annual accounts filedfiscal year 2025 · micro…
03-06-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Caution: Board changedlatest change 17-05-2026 · 1 in office 1 joined · 1 left View
Positive: Always filed on timeaccounts within the deadline every year 4 years View
Total assets 20254 fiscal years filed €91,698 View