KONCEPTIMMO
ActiveSummary
KONCEPTIMMO has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €460k and a net result of €221k. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 21% of 1290 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
48
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability55▲+17
Solvency37▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.08 in 2023; short-term debt: 85.3% and cash: 1.6% of total assets), and 88.5% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 1290 sector peers (2024).
NBB · sector comparisonPosition among 1290 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 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
not confirmed
2024
29 d late
2023
46 d late
2022
28 d late
2021
11 d late
2020
28 d late
2019
18 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€221k▲ 255%
2023 · €62k
2018: €-1k
2019: €28k
2020: €15k
2021: €31k
2022: €19k
2023: €62k
2018 → 2024
Working capital
€431k▲ 116%
2023 · €200k
2018: €-119k
2019: €89k
2020: €93k
2021: €123k
2022: €140k
2023: €200k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€126k-€158k▲ 24.8%€176k▲ 11.9%€239k▲ 35.2%€460k▲ 92.5%
Operating result€59k-€89k▲ 52.4%€82k▼ 8.6%€192k▲ 135%€461k▲ 140%
Net result€15k-€31k▲ 111%€19k▼ 40.3%€62k▲ 232%€221k▲ 255%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 140% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.99M
Fixed assets
€158k ▼ 5.7%
Current assets
€3.83M ▲ 42.0%
Equity and liabilities €3.99M
Equity
€460k ▲ 92.5%
Debt
€3.53M ▲ 34.4%
Debt's share of the balance-sheet total falls from 91.7% to 88.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€471k▲
2023 · €202k
Cash flow
€230k▲
2023 · €72k
Current ratio
1.13▲
2023 · 1.08
Quick ratio
0.25▲
2023 · 0.06
Debt to equity
7.69▼
2023 · 11.01
ROE
48.1%▲
2023 · 26.1%
ROA
5.5%▲
2023 · 2.2%
Interest coverage
3.47▲
2023 · 1.94
Debt ≤ 1 year
€3.40M▲
2023 · €2.50M
Debt > 1 year
€117k▼
2023 · €128k
Income taxes
€105k▲
2023 · €26k
Staff costs
€21k▼
2023 · €33k
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 · 2024 against 2023 · 52 lines
Balance sheet
Code20232024
Assets
Total assets20/58€2.87M€3.99M▲
Fixed assets21/28€167k€158k▼
Tangible fixed assets22/27€167k€157k▼
Land and buildings22€152k€142k▼
Other tangible fixed assets26€15k€15k=
Financial fixed assets28€363€363=
Current assets29/58€2.70M€3.83M▲
Stocks and contracts in progress3€2.56M€2.97M▲
Stocks30/36€2.56M€2.97M▲
Amounts receivable within one year40/41€90k€794k▲
Trade receivables40-€234k
Other amounts receivable41€90k€559k▲
Cash at bank and in hand54/58€53k€66k▲
Deferred charges and accrued income490/1€625€611▼
Equity and liabilities
Total equity and liabilities10/49€2.87M€3.99M▲
Equity10/15€239k€460k▲
Contributions10/11€19k€19k=
Reserves13€143k€364k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€141k€362k▲
Profit (loss) carried forward14€77k€77k=
Amounts payable17/49€2.63M€3.53M▲
Amounts payable after more than one year17€128k€117k▼
Financial debts170/4€128k€117k▼
Amounts payable within one year42/48€2.50M€3.40M▲
Current portion of amounts payable after more than one year42€12k€23k▲
Financial debts43€2.15M€2.71M▲
Credit institutions430/8€2.15M€2.71M▲
Trade debts44€11k€4k▼
Suppliers440/4€11k€4k▼
Advances received on contracts in progress46€52k€53k▲
Taxes, remuneration and social security45€33k€180k▲
Taxes450/3€24k€174k▲
Remuneration and social security454/9€9k€6k▼
Other amounts payable47/48€241k€436k▲
Accrued charges and deferred income492/3-€12k
Income statement
Code20232024
Remuneration, social security and pensions62€33k€21k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=
Other operating charges640/8€47k€18k▼
Gross operating margin9900€281k€510k▲
Operating profit (loss)9901€192k€461k▲
Financial charges65/66B€104k€136k▲
Recurring financial charges65€104k€136k▲
Profit (loss) for the period before taxes9903€88k€326k▲
Income taxes67/77€26k€105k▲
Profit (loss) for the period9904€62k€221k▲
Profit (loss) for the period to be appropriated9905€62k€221k▲
Appropriation of the result
Profit (loss) to be appropriated9906€137k€298k▲
Profit (loss) brought forward from the previous period14P€75k€77k▲
Transfer to equity691/2€60k€221k▲
To other reserves6921€60k€221k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €221k ▲255%
Operating result €461k, net result €221k, both a record.
15-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 46 days late
2023
31-12
Financial
Equity above €200kEq €239k ▲35.2%
5 profitable years in a row build equity to €239k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 11 days late
2021
31-12
Financial
Equity above €150kEq €158k ▲24.8%
3 profitable years in a row build equity to €158k.
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 28 days late
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
31-12
Financial
Equity above €100kEq €112k ▲33%
Equity rises from €84k to €112k.
04-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 4 days late
Show earlier events
2018
21-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 113 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
2016
05-07
NBB filing
Annual accounts filed
fiscal year 2015 · 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, Quaregnon · 1 establishment unit since 2013
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 du Zoning du Brûle 137390 QuaregnonGround area
1.4 ha
Building footprint
4,269 m²
Volume, LiDAR
26,556 m³
Parcel 53065A0467/00K005, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KONCEPTIMMO
since 20132.218.051.290
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53065A0467/00K005 | Wallonia | 1.4 ha | 1 · 4,269 m² | 8.5 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
P & D Bouw
BE 0476.222.884
Lummen · Eq €459,818
Gebrs. Bouhlala
BE 0662.463.082
Brussel · Eq €459,124
ALGEMENE BOUWWERKEN DEVOS MICHAEL
BE 0508.764.109
Ingelmunster · Eq €459,094
BS&MAT
BE 0716.772.590
Etterbeek · Eq €458,801
Vissers Projecten
BE 0684.980.346
Wuustwezel · Eq €460,328
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 9,551 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
Founded16-12-2005
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.