Concepts Extérieurs
ActiveSummary
The computed 12-month bankruptcy probability of Concepts Extérieurs is 2.4% (moderate). The 2025 annual accounts show equity of €30k and a net result of €3k. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 43% of 27786 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+25
Solvency66▲+8
Growth53=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.11 against 1.83 in 2024; short-term debt: 39.9% and cash: 14.8% of total assets), but 58.8% 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+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 →
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
41.2%
Return on assets
4.3%
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 17-08-2026, 17 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 · 5 filingsDeviation from the deadline
2025
17 d late
2024
26 d late
2023
61 d late
2022
60 d late
2021
61 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€258k▲ 5.8%
2021 · €244k
2021: €244k
2021 → 2022
EBIT margin
0.9%▼ 4.2pp
2021 · 5.1%
2021: 5.1%
2021 → 2022
Net result
€3k
2024 · €-5k
2021: €12k
2022: €2k
2023: €16k
2024: €-5k
2021 → 2025
Working capital
€32k▲ 16.7%
2024 · €28k
2021: €6k
2022: €17k
2023: €32k
2024: €28k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€244k-€258k▲ 5.8%
Equity€15k-€17k▲ 14.3%€32k▲ 92.5%€27k▼ 16.3%€30k▲ 11.5%
Operating result€13k-€2k▼ 81.5%€20k▲ 781%€-4k€4k
Net result€12k-€2k▼ 84.6%€16k▲ 761%€-5k€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73k
Fixed assets
€12k ▼ 45.7%
Current assets
€62k ▲ 0.9%
Equity and liabilities €73k
Equity
€30k ▲ 11.5%
Debt
€43k ▼ 22.4%
Debt's share of the balance-sheet total falls from 67.2% to 58.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15k▲
2024 · €5k
Cash flow
€14k▲
2024 · €4k
Current ratio
2.11▲
2024 · 1.83
Quick ratio
2.02▲
2024 · 1.74
Debt to equity
1.43▼
2024 · 2.05
ROE
10.3%▲
2024 · -19.5%
ROA
4.3%▲
2024 · -6.4%
Interest coverage
13.83▲
2024 · 4.56
Debt ≤ 1 year
€29k▼
2024 · €33k
Debt > 1 year
€14k▼
2024 · €22k
Staff costs
€9k▲
2024 · €5k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€83k€73k▼
Fixed assets21/28€22k€12k▼
Tangible fixed assets22/27€21k€12k▼
Plant, machinery and equipment23€13k€5k▼
Furniture and vehicles24€9k€7k▼
Financial fixed assets28€175-
Current assets29/58€61k€62k▲
Stocks and contracts in progress3€3k€3k▼
Stocks30/36€3k€3k▼
Amounts receivable within one year40/41€44k€45k▲
Trade receivables40€27k€29k▲
Other amounts receivable41€18k€15k▼
Cash at bank and in hand54/58€14k€11k▼
Deferred charges and accrued income490/1€123€4k▲
Equity and liabilities
Total equity and liabilities10/49€83k€73k▼
Equity10/15€27k€30k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€24k€27k▲
Amounts payable17/49€56k€43k▼
Amounts payable after more than one year17€22k€14k▼
Financial debts170/4€22k€14k▼
Amounts payable within one year42/48€33k€29k▼
Current portion of amounts payable after more than one year42€7k€8k▲
Trade debts44€17k€19k▲
Suppliers440/4€17k€19k▲
Taxes, remuneration and social security45€10k€3k▼
Taxes450/3€4k€565▼
Remuneration and social security454/9€6k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€5k€9k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€11k▲
Other operating charges640/8€418€1k▲
Gross operating margin9900€11k€25k▲
Operating profit (loss)9901€-4k€4k▲
Financial income75/76B€132€3▼
Recurring financial income75€132€3▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-5k€3k▲
Income taxes67/77€1-
Profit (loss) for the period9904€-5k€3k▲
Profit (loss) for the period to be appropriated9905€-5k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€27k▲
Profit (loss) brought forward from the previous period14P€29k€24k▼
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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet €-5k ▼134%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Highest result since 2021net €16k ▲761%
Operating result €20k, net result €16k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 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, Namur · 1 establishment unit since 2021
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.
Avenue Reine Elisabeth(BZ) 2375000 NamurGround area
1,152 m²
Building footprint
66 m²
Volume, LiDAR
702 m³
Parcel 92009B0043/00R000, Wallonia · tallest building 12.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Concepts Extérieurs
since 20212.315.690.896
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92009B0043/00R000 | Wallonia | 1,152 m² | 1 · 66 m² | 12.6 m · 4 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 8,455 companies in sector 43120 we hold annual accounts for 3,233. 2,229 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
Founded26-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43120Site preparation
43990Other specialised construction activities
81300Landscape service activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.