CONCERTUM
ActiveCONCERTUM has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €4k. Equity is growing by ~18.4% per year across the filed fiscal years. Its solvency ranks better than 15% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
68
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74=
Solvency21▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.07 in 2024), and 89.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
10.9%
Return on assets
1.6%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 16941 sector peers (2025).
NBB · sector comparisonPosition among 16941 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-05-2026, 29 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
29 d late
2024
28 d late
2023
30 d late
2022
29 d late
2021
30 d late
2020
30 d late
2019
29 d late
← before the deadline
after the deadline →
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
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 17.3%
2024 · €23k
2018: €8k
2019: €10k
2020: €20k
2021: €13k
2022: €16k
2023: €19k
2024: €23k
2018 → 2025
Total assets
€244k▼ 25.5%
2024 · €328k
2018: €169k
2019: €330k
2020: €269k
2021: €314k
2022: €213k
2023: €326k
2024: €328k
2018 → 2025
Net result
€4k▲ 16.8%
2024 · €3k
2018: €-4k
2019: €2k
2020: €10k
2021: €3k
2022: €3k
2023: €3k
2024: €3k
2018 → 2025
Working capital
€27k▲ 17.3%
2024 · €23k
2018: €7k
2019: €10k
2020: €20k
2021: €13k
2022: €16k
2023: €19k
2024: €23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€16k▲ 24.4%€19k▲ 21.3%€23k▲ 17.3%€27k▲ 17.3%
Operating result€4k-€4k▲ 19.0%€5k▲ 8.1%€5k▲ 5.8%€6k▲ 14.4%
Net result€3k-€3k▲ 19.0%€3k▲ 8.4%€3k▼ 1.2%€4k▲ 16.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 14% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €244k
Equity
€27k▲ 17.3%
Debt
€218k▼ 28.7%
The debt ratio falls from 93.1% to 89.1%: equity grows while debt is paid down.
Key figures and ratios
Solvency
10.9%▲
2024 · 6.9%
Current ratio
1.12▲
2024 · 1.07
Quick ratio
1.12▲
2024 · 1.07
Debt / equity
8.18▼
2024 · 13.44
ROE
14.7%▼
2024 · 14.8%
ROA
1.6%▲
2024 · 1.0%
Debt
€218k▼
2024 · €305k
Debt ≤ 1 year
€218k▼
2024 · €305k
Income taxes
€2k▲
2024 · €1k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€328k€244k▼
Current assets29/58€328k€244k▼
Amounts receivable within one year40/41€233k€131k▼
Trade receivables40€217k€118k▼
Other amounts receivable41€16k€13k▼
Cash at bank and in hand54/58€95k€113k▲
Equity and liabilities
Total equity and liabilities10/49€328k€244k▼
Equity10/15€23k€27k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€15k€19k▲
Amounts payable17/49€305k€218k▼
Amounts payable within one year42/48€305k€218k▼
Trade debts44€248k€182k▼
Suppliers440/4€248k€182k▼
Advances received on contracts in progress46€42k€16k▼
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3€1k€1k▲
Other amounts payable47/48€13k€18k▲
Income statement
Code20242025
Gross operating margin9900€5k€6k▲
Operating profit (loss)9901€5k€6k▲
Financial income75/76B€21-
Recurring financial income75€21-
Financial charges65/66B€513€156▼
Recurring financial charges65€513€156▼
Profit (loss) for the period before taxes9903€4k€6k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€3k€4k▲
Profit (loss) for the period to be appropriated9905€3k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€19k▲
Profit (loss) brought forward from the previous period14P€11k€15k▲
The notes to these accounts (5 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
30-09
Financial
Highest result since 2018net €10k ▲366%
Operating result €14k, net result €10k, both a record.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2019
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
24-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 24 days late
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 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, Ukkel · 1 establishment unit since 2015
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.
Neerstallesteenweg 4911180 UkkelGround area
96 m²
Building footprint
90 m²
Volume, LiDAR
947 m³
Parcel 21616G0097/00P006, Brussels · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CONCERTUM
since 20152.248.389.526
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616G0097/00P006 | Brussels | 96 m² | 1 · 90 m² | 14.3 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 29,889 companies in sector 62200 we hold annual accounts for 18,319. 13,934 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-11-2015
Fiscal year end30-09
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.