Concreto Engineering
ActiveSummary
Concreto Engineering has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €53k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 44% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency73▼-27
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 15.91 in 2024; short-term debt: 51.7% and cash: 54.7% of total assets), but 51.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 71
Relative position
BE, all sectors
reference
Sector 71
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
48.3%
Return on assets
62.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-04-2026, 120 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
120 d early
2024
22 d early
2023
43 d early
2022
on the day
← 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
Equity
€41k▼ 66.0%
2024 · €121k
2022: €18k
2023: €61k
2024: €121k
2022 → 2025
Total assets
€85k▼ 34.0%
2024 · €129k
2022: €27k
2023: €74k
2024: €129k
2022 → 2025
Net result
€53k▼ 11.2%
2024 · €60k
2022: €17k
2023: €43k
2024: €60k
2022 → 2025
Working capital
€36k▼ 69.6%
2024 · €119k
2022: €16k
2023: €58k
2024: €119k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€18k-€61k▲ 245%€121k▲ 99.1%€41k▼ 66.0%
Operating result€21k-€54k▲ 157%€74k▲ 37.2%€68k▼ 7.8%
Net result€17k-€43k▲ 160%€60k▲ 39.5%€53k▼ 11.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€5k ▲ 122%
Current assets
€80k ▼ 36.8%
Equity and liabilities €85k
Equity
€41k ▼ 66.0%
Debt
€44k ▲ 452%
Debt's share of the balance-sheet total rises from 6.2% to 51.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€69k▼
2024 · €74k
Cash flow
€54k▼
2024 · €61k
Current ratio
1.82▼
2024 · 15.91
Debt to equity
1.07▲
2024 · 0.07
ROE
130.2%▲
2024 · 49.8%
ROA
62.9%▲
2024 · 46.7%
Interest coverage
51.22▼
2024 · 113.02
Debt ≤ 1 year
€44k▲
2024 · €8k
Income taxes
€14k▼
2024 · €16k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€129k€85k▼
Fixed assets21/28€2k€5k▲
Tangible fixed assets22/27€2k€5k▲
Furniture and vehicles24€836€598▼
Other tangible fixed assets26€1k€4k▲
Current assets29/58€127k€80k▼
Amounts receivable within one year40/41€83k€32k▼
Trade receivables40€31k€32k▲
Other amounts receivable41€52k-
Cash at bank and in hand54/58€43k€46k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€129k€85k▼
Equity10/15€121k€41k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€120k€40k▼
Amounts payable17/49€8k€44k▲
Amounts payable within one year42/48€8k€44k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€5k€7k▲
Other amounts payable47/48-€34k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€415€454▲
Other operating charges640/8€577€812▲
Gross operating margin9900€75k€69k▼
Operating profit (loss)9901€74k€68k▼
Financial income75/76B€2k€291▼
Recurring financial income75€2k€291▼
Financial charges65/66B€658€1k▲
Recurring financial charges65€658€1k▲
Profit (loss) for the period before taxes9903€76k€67k▼
Income taxes67/77€16k€14k▼
Profit (loss) for the period9904€60k€53k▼
Profit (loss) for the period to be appropriated9905€60k€53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€120k€173k▲
Profit (loss) brought forward from the previous period14P€60k€120k▲
Profit to be distributed694/7-€133k
Return on contributions (dividend)694-€133k
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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €60k ▲39.5%
Operating result €74k, net result €60k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 15.91
Current ratio from 5.35 to 15.91; short-term debt falls from €13k to €8k.
31-12
Financial
Equity above €100kEq €121k ▲99.1%
3 profitable years in a row build equity to €121k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ieper · 1 establishment unit since 2022
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.
Sint-Livinusstraat 298906 IeperGround area
275 m²
Building footprint
249 m²
Volume, LiDAR
1,619 m³
Parcel 33007C0332/00T000, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Concreto Engineering
since 20222.331.114.193
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33007C0332/00T000 | Flanders | 275 m² | 1 · 249 m² | 12.0 m · 2 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.
Similar companies · same sector, comparable size
GTE & Services
BE 0651.968.474
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ELECTRO CALLEWAERT
BE 1019.998.352
Izegem · Eq €41,037
Condimon
BE 1009.172.657
Antwerpen · Eq €41,041
ALTINEX
BE 0801.863.168
Houthalen-Helchteren · Eq €40,940
SIGNIFER CONSULT & MANAGEMENT
BE 0807.870.537
Lier · Eq €40,923
Of 11,550 companies in sector 71121 we hold annual accounts for 6,563. 4,731 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
Founded15-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.