NV CONCEPT
ActiveSummary
NV CONCEPT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €645k and a net result of €38k. Equity is growing by ~34.4% per year across the filed fiscal years. Its solvency ranks better than 78% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 6.33 against 19.21 in 2024; short-term debt: 14.5% and cash: 4.6% of total assets), and 18.8% of the assets are financed with debt.
Credit check 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 · 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
81.2%
Return on assets
4.7%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
38 d early
2023
28 d late
2022
53 d early
2021
3 d early
2020
23 d early
2019
4 d early
← 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
€645k▼ 17.5%
2024 · €781k
2018: €120k
2019: €130k
2020: €136k
2021: €190k
2022: €241k
2023: €734k
2024: €781k
2018 → 2025
Total assets
€794k▼ 9.9%
2024 · €881k
2018: €177k
2019: €318k
2020: €349k
2021: €330k
2022: €363k
2023: €867k
2024: €881k
2018 → 2025
Net result
€38k▼ 35.2%
2024 · €58k
2018: €14k
2019: €11k
2020: €47k
2021: €58k
2022: €69k
2023: €507k
2024: €58k
2018 → 2025
Working capital
€615k▼ 19.5%
2024 · €765k
2018: €121k
2019: €152k
2020: €139k
2021: €174k
2022: €188k
2023: €764k
2024: €765k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€190k-€241k▲ 26.8%€734k▲ 205%€781k▲ 6.5%€645k▼ 17.5%
Operating result€90k-€86k▼ 3.8%€-20k€47k€41k▼ 12.2%
Net result€58k-€69k▲ 18.3%€507k▲ 638%€58k▼ 88.5%€38k▼ 35.2%
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 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €794k
Fixed assets
€64k ▼ 14.9%
Current assets
€731k ▼ 9.4%
Equity and liabilities €794k
Equity
€645k ▼ 17.5%
Debt
€150k ▲ 49.5%
Debt's share of the balance-sheet total rises from 11.4% to 18.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€60k▲
2024 · €56k
Cash flow
€56k▼
2024 · €68k
Current ratio
6.33▼
2024 · 19.21
Debt to equity
0.23▲
2024 · 0.13
ROE
5.9%▼
2024 · 7.5%
ROA
4.7%▼
2024 · 6.6%
Interest coverage
21.55▼
2024 · 24.07
Debt ≤ 1 year
€116k▲
2024 · €42k
Debt > 1 year
€34k▼
2024 · €58k
Income taxes
€18k▼
2024 · €24k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€881k€794k▼
Fixed assets21/28€75k€64k▼
Tangible fixed assets22/27€75k€64k▼
Furniture and vehicles24€75k€64k▼
Current assets29/58€807k€731k▼
Amounts receivable after more than one year29€500k€500k=
Other amounts receivable291€500k€500k=
Amounts receivable within one year40/41€107k€11k▼
Trade receivables40€18k€11k▼
Other amounts receivable41€90k€0▼
Current investments50/53€169k€168k▼
Cash at bank and in hand54/58€14k€37k▲
Deferred charges and accrued income490/1€17k€15k▼
Equity and liabilities
Total equity and liabilities10/49€881k€794k▼
Equity10/15€781k€645k▼
Contributions10/11€37k€37k=
Reserves13€744k€608k▼
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€740k€603k▼
Profit (loss) carried forward14€163€163=
Amounts payable17/49€100k€150k▲
Amounts payable after more than one year17€58k€34k▼
Financial debts170/4€58k€34k▼
Amounts payable within one year42/48€42k€116k▲
Current portion of amounts payable after more than one year42€31k€26k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€9k€7k▼
Taxes450/3€9k€7k▼
Remuneration and social security454/9€250€250=
Other amounts payable47/48€0€81k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€19k▲
Other operating charges640/8€851€1k▲
Gross operating margin9900€57k€61k▲
Operating profit (loss)9901€47k€41k▼
Financial income75/76B€38k€18k▼
Recurring financial income75€38k€18k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€82k€56k▼
Income taxes67/77€24k€18k▼
Profit (loss) for the period9904€58k€38k▼
Profit (loss) for the period to be appropriated9905€58k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€38k▼
Profit (loss) brought forward from the previous period14P€163€163=
Transfer from equity791/2€11k€174k▲
Transfer to equity691/2€58k€38k▼
To other reserves6921€58k€38k▼
Profit to be distributed694/7€11k€174k▲
Return on contributions (dividend)694€11k€174k▲
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
Next filing, fiscal year 2026, expected by
2026
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 19.21
Current ratio from 8.40 to 19.21; short-term debt falls from €103k to €42k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €507k ▲638%
Net result €507k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 8.40
Current ratio from 3.56 to 8.40.
31-12
Financial
Equity above €500kEq €734k ▲205%
6 profitable years in a row build equity to €734k.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €241k ▲26.8%
5 profitable years in a row build equity to €241k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €190k ▲39.5%
4 profitable years in a row build equity to €190k.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €11k ▼26.8%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Herve · 1 establishment unit since 2009
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.
Reneubois 674651 HerveGround area
748 m²
Building footprint
200 m²
Volume, LiDAR
1,532 m³
Parcel 63006C1056/00E000, Wallonia · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
NV CONCEPT
since 20092.179.637.213
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63006C1056/00E000 | Wallonia | 747 m² | 1 · 200 m² | 9.5 m · 3 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
The Management Corner
BE 0832.193.088
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BC-Invest & Consulting
BE 0662.774.571
Waasmunster · Eq €644,767
Verbocon
BE 0894.605.462
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DAULIN
BE 0426.220.770
Grez-Doiceau · Eq €644,721
MiCiN
BE 0898.831.296
Kapellen · Eq €645,064
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 32,393 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
Founded24-07-2009
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68121Development of residential building projects
68122Development of non-residential building projects
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.