RG Concept
ActiveThe computed 12-month bankruptcy probability of RG Concept is 1.9% (moderate). The 2025 annual accounts show equity of €58k and a net result of €9k. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 56% of 7321 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
81
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-26
Solvency81▲+13
Growth78=
Stability100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.17 in 2024), and 51.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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 · 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
48.8%
Return on assets
7.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 3 filingsDeviation from the deadline
2025
24 d late
2024
30 d late
2023
30 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▲ 17.3%
2024 · €49k
2023: €39k
2024: €49k
2023 → 2025
Total assets
€119k▲ 0.8%
2024 · €118k
2023: €171k
2024: €118k
2023 → 2025
Net result
€9k▼ 17.3%
2024 · €10k
2023: €-2k
2024: €10k
2023 → 2025
Working capital
€25k▲ 128%
2024 · €11k
2023: €-19k
2024: €11k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€39k-€49k▲ 26.4%€58k▲ 17.3%
Operating result€2k-€17k▲ 810%€18k▲ 2.2%
Net result€-2k-€10k€9k▼ 17.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 2% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€33k▼ 23.8%
Current assets
€85k▲ 15.3%
Equity and liabilities €119k
Equity
€58k▲ 17.3%
Debt
€61k▼ 11.1%
The debt ratio falls from 58.1% to 51.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€29k▼
2024 · €33k
Cash flow
€20k▼
2024 · €26k
Solvency
48.8%▲
2024 · 41.9%
Current ratio
1.41▲
2024 · 1.17
Quick ratio
1.41▲
2024 · 1.17
Debt / equity
1.05▼
2024 · 1.38
ROE
14.7%▼
2024 · 20.9%
ROA
7.2%▼
2024 · 8.8%
Interest coverage
47.08▲
2024 · 28.65
Debt
€61k▼
2024 · €68k
Debt ≤ 1 year
€61k▼
2024 · €63k
Income taxes
€9k▲
2024 · €6k
Staff costs
€47k▲
2024 · €1k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€118k€119k▲
Fixed assets21/28€44k€33k▼
Tangible fixed assets22/27€43k€32k▼
Furniture and vehicles24€20k€13k▼
Other tangible fixed assets26€23k€19k▼
Financial fixed assets28€805€805=
Current assets29/58€74k€85k▲
Amounts receivable within one year40/41€56k€56k▲
Trade receivables40€51k€46k▼
Other amounts receivable41€5k€10k▲
Cash at bank and in hand54/58€9k€22k▲
Deferred charges and accrued income490/1€9k€8k▼
Equity and liabilities
Total equity and liabilities10/49€118k€119k▲
Equity10/15€49k€58k▲
Contributions10/11€18k€18k=
Profit (loss) carried forward14€32k€40k▲
Amounts payable17/49€68k€61k▼
Amounts payable within one year42/48€63k€61k▼
Trade debts44€34k€24k▼
Suppliers440/4€34k€24k▼
Taxes, remuneration and social security45€8k€15k▲
Taxes450/3€6k€14k▲
Remuneration and social security454/9€2k€343▼
Other amounts payable47/48€22k€22k▲
Accrued charges and deferred income492/3€5k-
Income statement
Code20242025
Non-recurring operating income76A€921-
Remuneration, social security and pensions62€1k€47k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€11k▼
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A-€-164
Gross operating margin9900€38k€78k▲
Operating profit (loss)9901€17k€18k▲
Financial income75/76B€68€142▲
Recurring financial income75€68€142▲
Financial charges65/66B€1k€617▼
Recurring financial charges65€1k€617▼
Profit (loss) for the period before taxes9903€16k€17k▲
Income taxes67/77€6k€9k▲
Profit (loss) for the period9904€10k€9k▼
Profit (loss) for the period to be appropriated9905€10k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€40k▲
Profit (loss) brought forward from the previous period14P€21k€32k▲
The notes to these accounts (6 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Mettet · 1 establishment unit since 2020
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 de la Barrière 135640 MettetGround area
5,101 m²
Building footprint
194 m²
Volume, LiDAR
1,494 m³
Parcel 92087D0519/00D002, Wallonia · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Barrière 13, 5640 Mettet
since 20202.296.799.256
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92087D0519/00D002 | Wallonia | 5,101 m² | 1 · 194 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
Deronef
BE 0506.928.037
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Vinken Luc
BE 0884.566.358
Maasmechelen · Eq €58k
FLOR BUSINESS
BE 0762.844.226
Koekelberg · Eq €58k
Natuursteen Samyn
BE 0837.803.054
Ledegem · Eq €58k
RENOVATION EXCELENT
BE 0722.927.043
Meise · Eq €58k
Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 13,028 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-11-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.