Summary
Conclusion
the dossier summarised in one paragraphR & G CONCEPT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €-12k. The computed 12-month bankruptcy probability is 0.9% (low).
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Filing behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 29-08-2026 | 29 d late | 2026-00450774 |
| 31-12-2024 | 31-07-2025 | 31-08-2025 | 31 d late | 2025-00481499 |
| 31-12-2023 | 31-07-2024 | 29-08-2024 | 29 d late | 2024-00395021 |
| 31-12-2022 | 31-07-2023 | 31-08-2023 | 31 d late | 2023-00391393 |
| 31-12-2021 | 31-07-2022 | 30-09-2022 | 61 d late | 2022-20449845 |
| 31-12-2020 | 31-07-2021 | 30-09-2021 | 61 d late | 2021-71100087 |
| 31-12-2019 | 31-07-2020 | 28-10-2020 | 89 d late | 2020-67300257 |
| 31-12-2018 | 31-07-2019 | 22-08-2019 | 22 d late | 2019-52200309 |
| 31-12-2017 | 31-07-2018 | 26-08-2018 | 26 d late | 2018-55600319 |
| 31-12-2016 | 31-07-2017 | 31-08-2017 | 31 d late | 2017-59400353 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsAdministrative Flags
Financials
Annual accounts & ratios
Source: NBB · 2025Show 10 other metrics
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-12k |
| Net profit | €-12k |
| Cash flow | €-12k |
| Staff costs | - |
| Income taxes | €141 |
| Dividends | - |
| Total assets | €65k |
| Equity | €2k |
| Debt | €63k |
| of which ≤ 1y | €19k |
| of which > 1y | €43k |
| Working capital | €46k |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | 3.40 |
| Quick ratio | 2.46 |
| Working capital ratio | 70.6% |
| Solvency | 2.9% |
| Debt / equity | 33.90 |
| Long-term debt ratio | 23.41 |
| Interest coverage | -91.58 |
| Gross margin | - |
| Net margin | - |
| ROA | -18.4% |
| ROE | -641.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (22 line items)
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €65k |
| Current assets | 29/58 | €65k |
| Stocks & contracts in progress | 3 | €18k |
| Amounts receivable within one year | 40/41 | €2k |
| Cash & bank | 54/58 | €44k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €65k |
| Equity | 10/15 | €2k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €3k |
| Accumulated profits (losses) | 14 | €-20k |
| Amounts payable | 17/49 | €63k |
| Amounts payable after one year | 17 | €43k |
| Amounts payable within one year | 42/48 | €19k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €-11k |
| Operating result | 9901 | €-12k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €127 |
| Result before taxes | 9903 | €-12k |
| Income taxes | 67/77 | €141 |
| Net result for the period | 9904 | €-12k |
| Result to be appropriated | 9905 | €-12k |
Health barometer
FY 2025 · computedThe full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Structure & network
Locations & real estate
Registered office
from the Crossroads BankThis 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 Longue Haie 314650 HerveEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63030B0108/00D000 | Wallonia | 4,146 m² | 1 · 470 m² | 10.5 m · 2 fl. |
Publications
Lifecycle & Insolvency Signals
Belgian State Gazette · acts
0 of 1 acts readWe know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Financial profile
5 of 5 axes measuredFragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameFR | R & G CONCEPT |