3M CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of 3M CONCEPT is 2.4% (moderate). The 2025 annual accounts show equity of €11k and a net result of €-3k. Equity is shrinking by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 75% of 27786 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▲+2
Solvency96▲+10
Growth52=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.82 against 2.91 in 2024; short-term debt: 29.3% and cash: 32.1% of total assets), and 29.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
70.7%
Return on assets
-22.2%
Age of the figures
12 mo
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 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-3k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
on the day
2021
16 d late
2020
on the day
2019
46 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k▼ 23.9%
2024 · €14k
2019: €9k
2020: €17k
2021: €23k
2022: €19k
2023: €17k
2024: €14k
2019 → 2025
Total assets
€16k▼ 34.9%
2024 · €24k
2019: €30k
2020: €29k
2021: €56k
2022: €37k
2023: €31k
2024: €24k
2019 → 2025
Net result
€-3k▼ 17.2%
2024 · €-3k
2019: €3k
2020: €7k
2021: €6k
2022: €-4k
2023: €-2k
2024: €-3k
2019 → 2025
Working capital
€8k▼ 23.0%
2024 · €11k
2019: €4k
2020: €10k
2021: €14k
2022: €13k
2023: €13k
2024: €11k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€19k▼ 16.8%€17k▼ 8.0%€14k▼ 16.9%€11k▼ 23.9%
Operating result€9k-€-3k€-966▲ 66.8%€-3k▼ 175%€-3k▼ 22.7%
Net result€6k-€-4k€-2k▲ 60.5%€-3k▼ 96.0%€-3k▼ 17.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €3k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16k
Fixed assets
€3k ▼ 63.8%
Current assets
€13k ▼ 21.8%
Equity and liabilities €16k
Equity
€11k ▼ 23.9%
Debt
€5k ▼ 51.7%
Debt's share of the balance-sheet total falls from 39.5% to 29.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€1k▼
2024 · €2k
Cash flow
€1k▼
2024 · €2k
Current ratio
2.82▼
2024 · 2.91
Debt to equity
0.41▼
2024 · 0.65
ROE
-31.4%▼
2024 · -20.4%
ROA
-22.2%▼
2024 · -12.3%
Interest coverage
3.54▲
2024 · 2.87
Debt ≤ 1 year
€5k▼
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€24k€16k▼
Fixed assets21/28€7k€3k▼
Tangible fixed assets22/27€7k€2k▼
Leasing and similar rights25€7k€2k▼
Financial fixed assets28€500€500=
Current assets29/58€16k€13k▼
Amounts receivable within one year40/41€8k€7k▼
Trade receivables40€2k-
Other amounts receivable41€7k€7k▲
Cash at bank and in hand54/58€7k€5k▼
Deferred charges and accrued income490/1€1k€663▼
Equity and liabilities
Total equity and liabilities10/49€24k€16k▼
Equity10/15€14k€11k▼
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€16k€16k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14€-8k€-12k▼
Amounts payable17/49€9k€5k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€6k€5k▼
Current portion of amounts payable after more than one year42€4k€3k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Accrued charges and deferred income492/3€387-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€841€865▲
Gross operating margin9900€3k€2k▼
Operating profit (loss)9901€-3k€-3k▼
Financial income75/76B€439€230▼
Recurring financial income75€439€230▼
Financial charges65/66B€727€419▼
Recurring financial charges65€727€419▼
Profit (loss) for the period before taxes9903€-3k€-3k▼
Profit (loss) for the period9904€-3k€-3k▼
Profit (loss) for the period to be appropriated9905€-3k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-12k▼
Profit (loss) brought forward from the previous period14P€-5k€-8k▼
The notes to these accounts (9 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-4k ▼161%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
16-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2019net €7k ▲133%
Operating result €11k, net result €7k, both a record.
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 46 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Pieters-Leeuw · 1 establishment unit since 2018
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.
Humaniteitslaan 651601 Sint-Pieters-LeeuwGround area
3,035 m²
Building footprint
907 m²
Volume, LiDAR
9,517 m³
Parcel 23069A0267/00B003, Flanders · tallest building 13.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Humaniteitslaan 65, 1601 Sint-Pieters-Leeuw
since 20182.283.072.865
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23069A0267/00B003 | Flanders | 3,035 m² | 1 · 907 m² | 13.8 m · 3 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.
Similar companies · same sector, comparable size
Grondwerken Ben Dupont
BE 0724.515.269
Herselt · Eq €10,993
KERKHOFS KRIS
BE 1025.934.653
Oudsbergen · Eq €11,010
TRI CONSTRUCT
BE 0874.380.665
Grimbergen · Eq €11,033
DRILLTECH
BE 1017.055.688
Sint-Jans-Molenbeek · Eq €11,047
Kyan VDJ
BE 0839.737.611
Dendermonde · Eq €10,946
Of 8,455 companies in sector 43120 we hold annual accounts for 3,233. 1,555 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-10-2018
Fiscal year end30-09
Activities, NACEBEL 2025
43120Site preparation
43130Specialised construction activities
43230Insulation installation
43350Other building finishing work
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.