ADVANCED BUSINESS CONCEPT
ActiveSummary
ADVANCED BUSINESS CONCEPT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €375k and a net result of €37k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 93% of 2692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 15.66 against 18.18 in 2024; short-term debt: 6.3% of total assets), and 6.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
93.6%
Return on assets
9.2%
Age of the figures
12 mo
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 30-09-2025 was due by 30-04-2026 and was filed on 08-05-2026, 8 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
8 d late
2024
2 d late
2023
21 d early
2022
19 d early
2021
2 d late
2020
7 d late
2019
24 d early
← 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, abbreviated schema
Equity
€375k▲ 10.9%
2024 · €338k
2018: €177k
2019: €208k
2020: €235k
2021: €251k
2022: €272k
2023: €290k
2024: €338k
2018 → 2025
Total assets
€400k▲ 11.9%
2024 · €357k
2018: €234k
2019: €248k
2020: €266k
2021: €278k
2022: €307k
2023: €306k
2024: €357k
2018 → 2025
Net result
€37k▲ 4.3%
2024 · €35k
2018: €31k
2019: €31k
2020: €27k
2021: €25k
2022: €31k
2023: €17k
2024: €35k
2018 → 2025
Working capital
€369k▲ 9.4%
2024 · €338k
2018: €198k
2019: €219k
2020: €239k
2021: €251k
2022: €272k
2023: €290k
2024: €338k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€251k-€272k▲ 8.6%€290k▲ 6.4%€338k▲ 16.6%€375k▲ 10.9%
Operating result€27k-€38k▲ 39.0%€22k▼ 42.1%€50k▲ 128%€52k▲ 4.7%
Net result€25k-€31k▲ 23.9%€17k▼ 44.8%€35k▲ 103%€37k▲ 4.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €400k
Fixed assets
€5k ▲ 1,820%
Current assets
€395k ▲ 10.5%
Equity and liabilities €400k
Equity
€375k ▲ 10.9%
Debt
€25k ▲ 29.7%
Debt's share of the balance-sheet total rises from 5.5% to 6.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€54k▲
2024 · €51k
Cash flow
€38k▲
2024 · €36k
Current ratio
15.66▼
2024 · 18.18
Debt to equity
0.07▲
2024 · 0.06
ROE
9.8%▼
2024 · 10.4%
ROA
9.2%▼
2024 · 9.8%
Interest coverage
114.63▲
2024 · 88.36
Debt ≤ 1 year
€25k▲
2024 · €20k
Income taxes
€19k▲
2024 · €17k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€357k€400k▲
Fixed assets21/28€283€5k▲
Tangible fixed assets22/27€283€5k▲
Plant, machinery and equipment23€283€2k▲
Furniture and vehicles24-€3k
Current assets29/58€357k€395k▲
Amounts receivable within one year40/41€354k€394k▲
Trade receivables40€274k€312k▲
Other amounts receivable41€80k€83k▲
Cash at bank and in hand54/58€3k-
Deferred charges and accrued income490/1€36€104▲
Equity and liabilities
Total equity and liabilities10/49€357k€400k▲
Equity10/15€338k€375k▲
Contributions10/11€20k€20k=
Outside capital11€20k-
Other1109/19€20k-
Reserves13€54k€91k▲
Distributable reserves133€54k€91k▲
Profit (loss) carried forward14€264k€264k=
Amounts payable17/49€20k€25k▲
Amounts payable within one year42/48€20k€25k▲
Current portion of amounts payable after more than one year42-€3k
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€19k€19k▲
Taxes450/3€19k€19k▲
Other amounts payable47/48-€2k
Accrued charges and deferred income492/3-€288
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€578€1k▲
Other operating charges640/8€1k-
Gross operating margin9900€52k€54k▲
Operating profit (loss)9901€50k€52k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€573€468▼
Recurring financial charges65€573€468▼
Profit (loss) for the period before taxes9903€52k€55k▲
Income taxes67/77€17k€19k▲
Profit (loss) for the period9904€35k€37k▲
Profit (loss) for the period to be appropriated9905€35k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€299k€301k▲
Profit (loss) brought forward from the previous period14P€264k€264k=
Transfer to equity691/2€35k€37k▲
To other reserves6921€35k€37k▲
The notes to these accounts (7 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
08-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 8 days late
2025
30-09
Financial
Highest result since 2018net €37k ▲4.3%
Operating result €52k, net result €37k, both a record.
02-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 2 days late
2024
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €17k ▼44.8%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity doublescurrent ratio 19.70
Current ratio from 9.66 to 19.70; short-term debt falls from €31k to €15k.
11-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2021
07-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 7 days late
2020
06-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Equity above €200kEq €208k ▲17.3%
2 profitable years in a row build equity to €208k.
12-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kontich · 1 establishment unit since 2013
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.
Lijsterbolstraat 102550 KontichGround area
346 m²
Building footprint
217 m²
Volume, LiDAR
1,638 m³
Parcel 11602E0007/00F012, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ADVANCED BUSINESS CONCEPT
since 20132.219.834.508
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602E0007/00F012 | Flanders | 346 m² | 1 · 217 m² | 11.6 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
BRAINSOLUTIONS
BE 0478.971.548
Hove · Eq €374,481
PRO2M
BE 0647.882.497
Andenne · Eq €374,782
TATVA
BE 0701.784.904
Herent · Eq €374,809
Thaste It
BE 0806.814.128
Lier · Eq €374,171
ZAYEBISTA
BE 0835.863.153
Antwerpen · Eq €374,902
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 13,074 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
Founded06-06-2013
Fiscal year end30-09
Abbreviation NL
ABC
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
43221Plumbing work
43230Insulation installation
43350Other building finishing work
61200Telecommunications resale and intermediation services
63920Other information service activities
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.