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Concept-K

Active
Private limited company·Vervaardiging van keukenmeubelen· 5 yrs active
Vroentestraat 39 ·3270 Scherpenheuvel-Zichem, Belgium
KBO/BCE: BE 0753.420.378
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Age5 yrs
Real estate1 parcel · 786 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Concept-K is 1.5% (moderate). The 2025 annual accounts show equity of €48k and a net result of €14k. Its solvency ranks better than 76% of 39 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 76% of 39 peers (2025). A comfortable equity buffer.
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Trust signals

2 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.5% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€14k+260.0%
Working capital€45k+951.3%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 24-04-2026 with the NBB · fiscal year 2025 · micro
€0€10k€20kOperating result 2022: €7k€7kNet result 2022: €4k€4kOperating result 2025: €21k€21kNet result 2025: €14k€14k20222025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 31 · compared across all schema types (micro, abbreviated and full combined)
Metric This company Sector median Position in the sector
Solvency 73.2% 40.0%
better than 76% of 39 sector peers
Net result €14k €15k
better than 47% of 39 sector peers
Equity €48k €49k
better than 45% of 39 sector peers
Gross operating margin €26k €63k
better than 31% of 39 sector peers
Total assets €65k €154k
better than 26% of 39 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€23k
+114.6% -39% vs sector
Net profit
€14k
+260.0% -28% vs sector
Cash flow
€15k
+107.0% -48% vs sector
Total assets
€65k
+148.1% -54% vs sector
Equity
€48k
+280.0% +32% vs sector
Working capital
€45k
+951.3% +72% vs sector
Income taxes
€7k
+123.0% +28% vs sector
Debt
€17k
+27.4% -83% vs sector
Debt ≤ 1y
€17k
+27.4% -81% vs sector
Current ratio
3.60
+173.6% +167% vs sector
Quick ratio
3.60
+242.4% +214% vs sector
Solvency
73.2%
+53.2% +158% vs sector
Debt / equity
0.37
-66.5% -85% vs sector
ROE
28.9%
-5.3% -46% vs sector
ROA
21.1%
+45.1% +58% vs sector
Interest coverage
8.36
-78.2% -51% vs sector
Figures by fiscal year
Fiscal year2025
Revenue-
EBITDA€23k
Net profit€14k
Cash flow€15k
Staff costs-
Income taxes€7k
Dividends-
Total assets€65k
Equity€48k
Debt€17k
of which ≤ 1y€17k
of which > 1y-
Working capital€45k
Employees (FTE)-
Ratios (computed)
2025
Current ratio3.60
Quick ratio3.60
Working capital ratio69.7%
Solvency73.2%
Debt / equity0.37
Long-term debt ratio-
Interest coverage8.36
Gross margin-
Net margin-
ROA21.1%
ROE28.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€65k
Fixed assets 21/28€2k
Tangible fixed assets 22/27€2k
Current assets 29/58€63k
Amounts receivable within one year 40/41€58k
Cash & bank 54/58€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€65k
Equity 10/15€48k
Contributions / capital 10/11€6k
Reserves 13€42k
Amounts payable 17/49€17k
Amounts payable within one year 42/48€17k
Trade debts payable within one year 44€9k
Income statement
Gross operating margin 9900€26k
Operating result 9901€21k
Financial income 75€2k
Financial charges 65€3k
Result before taxes 9903€20k
Income taxes 67/77€7k
Net result for the period 9904€14k
Result to be appropriated 9905€14k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
100 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Establishment units

1 location
Concept-K
Vroentestraat 39, 3270 Scherpenheuvel-ZichemVervaardiging van keukenmeubelen
since 20202.306.449.073
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area786 m²
Buildings1
Building footprint100 m²
Volume (LiDAR)459 m³
Tallest building6.9 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24098B0449/00E004 Flanders 786 m² 1 · 100 m² 6.9 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source and are complete.

Analysis

Snowflake analysis

financial profile on 5 axes
Health100Profitability100Solvency100Growth78Stability94
94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 100
Growth 78
Stability 94

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Vervaardiging van keukenmeubelen31002Vervaardiging van keukenmeubelen31020Schrijnwerk43320Schrijnwerk43320
Primary activity highlighted.
Names & trade names
Legal nameNL Concept-K
Registered office
Vroentestraat 39
3270 Scherpenheuvel-Zichem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.