WHATS!CONCEPT
ActiveWHATS!CONCEPT has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €26k. Equity is growing by ~18.3% per year across the filed fiscal years. Its solvency ranks better than 41% of 7697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency76▲+15
Growth78▲+20
Stability94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.48 in 2024), but 60.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
39.8%
Return on assets
59.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
31 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▲ 57.6%
2024 · €11k
2023: €13k
2024: €11k
2023 → 2025
Total assets
€45k▲ 27.4%
2024 · €35k
2023: €17k
2024: €35k
2023 → 2025
Net result
€26k▲ 84.1%
2024 · €14k
2023: €12k
2024: €14k
2023 → 2025
Working capital
€18k▲ 57.6%
2024 · €11k
2023: €13k
2024: €11k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€13k-€11k▼ 13.3%€18k▲ 57.6%
Operating result€12k-€15k▲ 21.0%€27k▲ 82.1%
Net result€12k-€14k▲ 19.9%€26k▲ 84.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 82% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €45k
Equity
€18k▲ 57.6%
Debt
€27k▲ 13.1%
The debt ratio falls from 67.8% to 60.2%: equity grows faster than debt.
Key figures and ratios
Solvency
39.8%▲
2024 · 32.2%
Current ratio
1.66▲
2024 · 1.48
Quick ratio
1.66▲
2024 · 1.48
Debt / equity
1.51▼
2024 · 2.10
ROE
149.2%▲
2024 · 127.8%
ROA
59.5%▲
2024 · 41.2%
Debt
€27k▲
2024 · €24k
Debt ≤ 1 year
€27k▲
2024 · €24k
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€35k€45k▲
Current assets29/58€35k€45k▲
Amounts receivable within one year40/41€5k€5k=
Trade receivables40€5k€5k=
Cash at bank and in hand54/58€30k€40k▲
Equity and liabilities
Total equity and liabilities10/49€35k€45k▲
Equity10/15€11k€18k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€10k€17k▲
Amounts payable17/49€24k€27k▲
Amounts payable within one year42/48€24k€27k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€3k€3k▲
Other amounts payable47/48€19k€22k▲
Income statement
Code20242025
Other operating charges640/8€485€312▼
Gross operating margin9900€15k€27k▲
Operating profit (loss)9901€15k€27k▲
Financial charges65/66B€182€45▼
Recurring financial charges65€182€45▼
Profit (loss) for the period before taxes9903€14k€26k▲
Profit (loss) for the period9904€14k€26k▲
Profit (loss) for the period to be appropriated9905€14k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€37k▲
Profit (loss) brought forward from the previous period14P€16k€10k▼
Profit to be distributed694/7€20k€20k=
Directors or managers695€20k€20k=
The notes to these accounts (1 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2023net €26k ▲84.1%
Operating result €27k, net result €26k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zaventem · 1 establishment unit since 2023
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Waalsestraat 221933 ZaventemGround area
246 m²
Building footprint
69 m²
Volume, LiDAR
285 m³
Parcel 23082C0229/00C000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WHATS!CONCEPT
since 20232.349.920.911
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23082C0229/00C000 | Flanders | 246 m² | 1 · 69 m² | 8.6 m · 2 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 24,419 companies in sector 82990 we hold annual accounts for 9,361. 5,569 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-07-2023
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.