CP CONCEPT
ActiveCP CONCEPT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €164k and a net result of €22k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 87% of 37979 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
93
/ 100
Excellent▼ -7 vs 2022
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2022
Profitability67▼-33
Solvency100=
Growth52▲+20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 37.17 against 30.03 in 2022), and 10.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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
26 d late
2022
113 d late
2021
139 d late
2020
23 d late
2019
94 d late
2018
23 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€164k▲ 29.2%
2022 · €127k
2020: €140k
2021: €99k
2022: €127k
2020 → 2024
Total assets
€184k▲ 25.2%
2022 · €147k
2020: €187k
2021: €129k
2022: €147k
2020 → 2024
Net result
€22k▼ 41.6%
2022 · €38k
2020: €102k
2021: €-41k
2022: €38k
2020 → 2024
Working capital
€167k▲ 21.0%
2022 · €138k
2020: €153k
2021: €112k
2022: €138k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2020202120222024Trend
Equity€140k-€99k▼ 29.5%€127k▲ 28.9%€164k▲ 29.2%
Operating result€-15k-€-75k▼ 390%€8k€-5k
Net result€102k-€-41k€38k€22k▼ 41.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €5k after €8k in 2022.
Balance-sheet composition
2024 in colour, 2022 as the grey bar beneath
Assets €184k
Fixed assets
€13k▲ 190%
Current assets
€171k▲ 20.2%
Equity and liabilities €184k
Equity
€164k▲ 29.2%
Provisions
€15k=
Debt
€5k▼ 2.9%
The debt ratio falls from 3.2% to 2.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€1k▼
2022 · €9k
Cash flow
€28k▼
2022 · €39k
Solvency
89.3%▲
2022 · 86.6%
Current ratio
37.17▲
2022 · 30.03
Quick ratio
37.17▲
2022 · 30.03
Debt / equity
0.03▼
2022 · 0.04
ROE
13.4%▼
2022 · 29.6%
ROA
11.9%▼
2022 · 25.6%
Interest coverage
6.61▼
2022 · 115.55
Debt
€5k▼
2022 · €5k
Debt ≤ 1 year
€5k▼
2022 · €5k
Income taxes
€8k▲
2022 · €4k
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 2022
Balance sheet
Code20222024
Total assets
20/58€147k€184k▲
Fixed assets
21/28€4k€13k▲
Tangible fixed assets
22/27€4k€13k▲
Current assets
29/58€143k€171k▲
Amounts receivable within one year
40/41€36k€59k▲
Cash & bank
54/58€54k€92k▲
Total equity & liabilities
10/49€147k€184k▲
Equity
10/15€127k€164k▲
Contributions / capital
10/11€6k€8k▲
Reserves
13€162k€198k▲
Accumulated profits (losses)
14€-41k€-41k=
Provisions & deferred taxes
16€15k€15k=
Amounts payable
17/49€5k€5k▼
Amounts payable within one year
42/48€5k€5k▼
Trade debts payable within one year
44€1k€784▼
Income statement
Code20222024
Gross operating margin
9900€13k€10k▼
Operating result
9901€8k€-5k▼
Financial income
75€34k€35k▲
Financial charges
65€79€166▲
Result before taxes
9903€42k€30k▼
Income taxes
67/77€4k€8k▲
Net result for the period
9904€38k€22k▼
Result to be appropriated
9905€38k€22k▼
Timeline · acts, filings and financial milestones
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Equity above €150kEq €164k ▲29.2%
2 profitable years in a row build equity to €164k.
2023
21-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 113 days late
2022
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 30.03
Current ratio from 8.22 to 30.03; short-term debt falls from €15k to €5k.
31-12
Financial
Equity above €100kEq €127k ▲28.9%
Equity rises from €99k to €127k.
17-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 139 days late
2021
31-12
Financial
Weakest financial yearnet €-41k ▼140%
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 94 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 60 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
2016
07-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 7 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 82,137 companies in sector 70200 we hold annual accounts for 51,755. 40,302 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 01-08-2026. Scores and ratios are computed by Checked and are not a credit decision.