CONCEPTIVE ENGINEERING
ActiveCONCEPTIVE ENGINEERING has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €537k and a net result of €99k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 69% of 20787 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
100
/ 100
Excellent▲ +7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability92▼-5
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 3.58 against 3.37 in 2023), and 23.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
76.9%
Return on assets
14.2%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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
not confirmed
2024
60 d late
2023
55 d late
2022
61 d late
2021
92 d late
2020
152 d late
2019
203 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€537k▲ 11.2%
2023 · €483k
2018: €349k
2019: €381k
2020: €410k
2021: €360k
2022: €429k
2023: €483k
2018 → 2024
Total assets
€698k▲ 9.1%
2023 · €640k
2018: €639k
2019: €644k
2020: €669k
2021: €632k
2022: €575k
2023: €640k
2018 → 2024
Net result
€99k▲ 5.0%
2023 · €94k
2018: €77k
2019: €35k
2020: €57k
2021: €26k
2022: €119k
2023: €94k
2018 → 2024
Working capital
€340k▲ 22.3%
2023 · €278k
2018: €201k
2019: €224k
2020: €236k
2021: €200k
2022: €282k
2023: €278k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€410k-€360k▼ 12.3%€429k▲ 19.1%€483k▲ 12.6%€537k▲ 11.2%
Operating result€67k-€32k▼ 52.2%€93k▲ 190%€95k▲ 1.8%€107k▲ 12.9%
Net result€57k-€26k▼ 54.9%€119k▲ 365%€94k▼ 21.2%€99k▲ 5.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 13% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €698k
Fixed assets
€226k▼ 7.5%
Current assets
€472k▲ 19.3%
Equity and liabilities €698k
Equity
€537k▲ 11.2%
Debt
€161k▲ 2.4%
The debt ratio falls from 24.6% to 23.1%: equity grows faster than debt.
Key figures and ratios
EBITDA
€128k▲
2023 · €110k
Cash flow
€120k▲
2023 · €110k
Solvency
76.9%▲
2023 · 75.4%
Current ratio
3.58▲
2023 · 3.37
Quick ratio
3.58▲
2023 · 3.37
Debt / equity
0.30▼
2023 · 0.33
ROE
18.4%▼
2023 · 19.5%
ROA
14.2%▼
2023 · 14.7%
Interest coverage
70.05▲
2023 · 49.10
Debt
€161k▲
2023 · €157k
Debt ≤ 1 year
€132k▲
2023 · €118k
Debt > 1 year
€29k▼
2023 · €40k
Income taxes
€34k▲
2023 · €30k
Staff costs
€2k▲
2023 · €342
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€640k€698k▲
Fixed assets21/28€244k€226k▼
Intangible fixed assets21€1k€952▼
Tangible fixed assets22/27€205k€187k▼
Land and buildings22€148k€140k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€58k€46k▼
Financial fixed assets28€38k€38k=
Current assets29/58€396k€472k▲
Amounts receivable within one year40/41€97k€59k▼
Trade receivables40€90k€49k▼
Other amounts receivable41€7k€9k▲
Current investments50/53€10k€16k▲
Cash at bank and in hand54/58€287k€396k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€640k€698k▲
Equity10/15€483k€537k▲
Contributions10/11€12k€12k=
Reserves13€471k€525k▲
Distributable reserves133€471k€525k▲
Amounts payable17/49€157k€161k▲
Amounts payable after more than one year17€40k€29k▼
Financial debts170/4€40k€29k▼
Amounts payable within one year42/48€118k€132k▲
Current portion of amounts payable after more than one year42€10k€10k=
Trade debts44€7k€13k▲
Suppliers440/4€7k€13k▲
Taxes, remuneration and social security45€45k€47k▲
Taxes450/3€45k€47k▲
Other amounts payable47/48€56k€61k▲
Income statement
Code20232024
Remuneration, social security and pensions62€342€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€21k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€113k€135k▲
Operating profit (loss)9901€95k€107k▲
Financial income75/76B€31k€27k▼
Recurring financial income75€22k€27k▲
Non-recurring financial income76B€10k-
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€124k€133k▲
Income taxes67/77€30k€34k▲
Profit (loss) for the period9904€94k€99k▲
Profit (loss) for the period to be appropriated9905€94k€99k▲
Appropriation of the result
Profit (loss) to be appropriated9906€94k€99k▲
Transfer from equity791/2€40k€40k=
Transfer to equity691/2€94k€94k▲
To other reserves6921€94k€94k▲
Profit to be distributed694/7€40k€45k▲
Return on contributions (dividend)694€40k€40k=
Directors or managers695-€5k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Equity above €500kEq €537k ▲11.2%
7 profitable years in a row build equity to €537k.
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Highest result since 2018net €119k ▲365%
Net result €119k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 3.94
Current ratio from 1.95 to 3.94; short-term debt falls from €212k to €96k.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-12
Financial
Weakest financial yearnet €26k ▼54.9%
Net result drops to €26k, the lowest in the series; recovery starts the following year.
30-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 152 days late
19-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 203 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 66 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Herentals · 1 establishment unit since 2006
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.
Perronstraat(HRT) 32200 HerentalsGround area
5,465 m²
Building footprint
110 m²
Volume, LiDAR
1,301 m³
2 parcels, Flanders · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20062.151.595.996
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13011E0360/03M000 | Flanders | 4,216 m² | 1 · 98 m² | 14.2 m · 4 fl. |
| 12039A0554/00N000 | Flanders | 1,249 m² | 1 · 12 m² | 3.1 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
COMMENTAG
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Sumo Coders
BE 0829.564.289
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NICOLAS STUART
BE 0680.767.378
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TOM VAN MIERLO
BE 0826.502.752
Herentals · Eq €537k
MANAGEMENT EXPERTISE
BE 0428.543.228
Seraing · Eq €537k
Of 29,884 companies in sector 62200 we hold annual accounts for 18,321. 11,623 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2005
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.