ConcrEpal
ActiveConcrEpal has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €262k and a net result of €-3k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 95% of 4501 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34=
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
short-term debt: 0.3% and cash: 49.3% of total assets, and 0.3% 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
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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 · 7 filingsDeviation from the deadline
2025
18 d late
2024
43 d early
2023
22 d early
2022
4 d late
2021
18 d early
2020
9 d late
2019
50 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-3k▼ 2.8%
2024 · €-3k
2019: €-9k
2020: €-8k
2021: €-3k
2022: €-7k
2023: €-4k
2024: €-3k
2019 → 2025
Working capital
€262k▼ 1.3%
2024 · €265k
2019: €291k
2020: €283k
2021: €280k
2022: €273k
2023: €269k
2024: €265k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€280k-€273k▼ 2.6%€269k▼ 1.5%€265k▼ 1.2%€262k▼ 1.3%
Operating result€-3k-€-7k▼ 133%€-4k▲ 43.9%€-3k▲ 19.6%€-3k▼ 3.0%
Net result€-3k-€-7k▼ 130%€-4k▲ 43.2%€-3k▲ 19.0%€-3k▼ 2.8%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €3k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €263k
Equity
€262k▼ 1.3%
Debt
€852▲ 2.5%
The debt ratio stays at 0.3%.
Key figures and ratios
Solvency
99.7%=
2024 · 99.7%
Debt / equity
0.00▲
2024 · 0.00
ROE
-1.3%▼
2024 · -1.3%
ROA
-1.3%▼
2024 · -1.2%
Debt
€852▲
2024 · €831
Debt ≤ 1 year
€852▲
2024 · €831
A ratio outside any meaningful range has been withheld (balance sheet total €263k, equity €262k).
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€266k€263k▼
Current assets29/58€266k€263k▼
Stocks and contracts in progress3€82k€82k=
Stocks30/36€82k€82k=
Amounts receivable within one year40/41€50k€51k▲
Other amounts receivable41€50k€51k▲
Cash at bank and in hand54/58€133k€130k▼
Deferred charges and accrued income490/1-€31
Equity and liabilities
Total equity and liabilities10/49€266k€263k▼
Equity10/15€265k€262k▼
Contributions10/11€300k€300k=
Capital10€300k€300k=
Issued capital100€300k€300k=
Profit (loss) carried forward14€-35k€-38k▼
Amounts payable17/49€831€852▲
Amounts payable within one year42/48€831€852▲
Trade debts44€831€852▲
Suppliers440/4€831€852▲
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€-3k€-3k▼
Operating profit (loss)9901€-3k€-3k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€125€122▼
Recurring financial charges65€125€122▼
Profit (loss) for the period before taxes9903€-3k€-3k▼
Profit (loss) for the period9904€-3k€-3k▼
Profit (loss) for the period to be appropriated9905€-3k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-38k▼
Profit (loss) brought forward from the previous period14P€-31k€-35k▼
The notes to these accounts (1 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 18 days late
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity times 6current ratio 335.57
Current ratio from 58.26 to 335.57; short-term debt falls from €5k to €803.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 4 days late
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity times 10current ratio 397.86
Current ratio from 41.63 to 397.86; short-term debt falls from €7k to €705.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 9 days late
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
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, Hamois · 1 establishment unit since 2019
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.
Rue de Wachenne, Schaltin 15364 HamoisGround area
1,062 m²
Building footprint
74 m²
Parcel 91116A0041/00K000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ConcrEpal
since 20192.286.946.432
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91116A0041/00K000 | Wallonia | 1,062 m² | 1 · 74 m² | - |
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
COR-BO
BE 0886.654.234
Rotselaar · Eq €262k
PROCOS
BE 0439.985.169
Antwerpen · Eq €262k
M3-Projects
BE 0664.584.612
Kontich · Eq €262k
IMMO-F.EU
BE 0840.878.647
Lasne · Eq €262k
NEOCONSTRUCT 2
BE 0464.994.640
Beveren-Kruibeke-Zwijndrecht · Eq €261k
Of 9,697 companies in sector 68121 we hold annual accounts for 7,381. 5,229 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-03-2019
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:l.kaiser@antma.be
Phone:+32494505991