SHOP CONCEPT
ActiveSHOP CONCEPT has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €126k and a net result of €-1k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 35% of 36378 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-56
Solvency43▲+8
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity short (current ratio 0.1 against 0.06 in 2023), and 67% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
33%
Return on assets
-0.3%
Age of the figures
24 mo
raises risk · Annual accounts not filed
The financial year that closed on 30-09-2025 was due at the National Bank by 30-04-2026. Nothing is on record, 139 days later.
NBB · 10 filingsPosition against the passed deadline
30-09-2025 close30-04-2026 deadline16-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2024 was due by 30-04-2025 and was filed on 30-04-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
on the day
2023
31 d late
2022
2 d early
2021
1 d early
2020
63 d late
2019
33 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€126k▼ 0.9%
2023 · €128k
2018: €31k
2019: €33k
2020: €46k
2021: €97k
2022: €113k
2023: €128k
2018 → 2024
Total assets
€383k▼ 14.5%
2023 · €448k
2018: €458k
2019: €490k
2020: €413k
2021: €376k
2022: €429k
2023: €448k
2018 → 2024
Net result
€-1k
2023 · €14k
2018: €2k
2019: €2k
2020: €13k
2021: €51k
2022: €17k
2023: €14k
2018 → 2024
Working capital
€-200k▲ 25.6%
2023 · €-269k
2018: €-342k
2019: €-320k
2020: €-304k
2021: €-209k
2022: €-245k
2023: €-269k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€46k-€97k▲ 111%€113k▲ 17.4%€128k▲ 12.6%€126k▼ 0.9%
Operating result€16k-€66k▲ 302%€27k▼ 59.5%€19k▼ 26.9%€4k▼ 77.9%
Net result€13k-€51k▲ 302%€17k▼ 66.9%€14k▼ 15.3%€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 78% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €383k
Fixed assets
€361k▼ 16.3%
Current assets
€22k▲ 29.5%
Equity and liabilities €383k
Equity
€126k▼ 0.9%
Provisions
€30k=
Debt
€226k▼ 22.0%
The debt ratio falls from 64.8% to 59.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€74k▼
2023 · €86k
Cash flow
€69k▼
2023 · €81k
Solvency
33.0%▲
2023 · 28.5%
Current ratio
0.10▲
2023 · 0.06
Quick ratio
0.10▲
2023 · 0.06
Debt / equity
1.79▼
2023 · 2.27
ROE
-1.0%▼
2023 · 11.2%
ROA
-0.3%▼
2023 · 3.2%
Interest coverage
321.06▲
2023 · 280.18
Debt
€226k▼
2023 · €290k
Debt ≤ 1 year
€223k▼
2023 · €286k
Income taxes
€5k▲
2023 · €5k
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 2023
Balance sheet
Code20232024
Assets
Total assets20/58€448k€383k▼
Fixed assets21/28€431k€361k▼
Tangible fixed assets22/27€431k€361k▼
Land and buildings22€305k€278k▼
Furniture and vehicles24€125k€82k▼
Current assets29/58€17k€22k▲
Amounts receivable within one year40/41€622€7k▲
Trade receivables40€68€7k▲
Other amounts receivable41€554-
Cash at bank and in hand54/58€5k€9k▲
Deferred charges and accrued income490/1€12k€7k▼
Equity and liabilities
Total equity and liabilities10/49€448k€383k▼
Equity10/15€128k€126k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€107k€106k▼
Provisions and deferred taxes16€30k€30k=
Provisions for liabilities and charges160/5€30k€30k=
Other liabilities and charges164/5€30k€30k=
Amounts payable17/49€290k€226k▼
Amounts payable within one year42/48€286k€223k▼
Trade debts44€86k€18k▼
Suppliers440/4€50k€18k▼
Bills of exchange payable441€36k-
Advances received on contracts in progress46€62k€12k▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Other amounts payable47/48€132k€187k▲
Accrued charges and deferred income492/3€4k€4k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€70k▲
Other operating charges640/8€20k€12k▼
Gross operating margin9900€107k€86k▼
Operating profit (loss)9901€19k€4k▼
Financial income75/76B€10€2▼
Recurring financial income75€10€2▼
Financial charges65/66B€308€231▼
Recurring financial charges65€308€231▼
Profit (loss) for the period before taxes9903€19k€4k▼
Income taxes67/77€5k€5k▲
Profit (loss) for the period9904€14k€-1k▼
Profit (loss) for the period to be appropriated9905€14k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€107k€106k▼
Profit (loss) brought forward from the previous period14P€93k€107k▲
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
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-1k ▼108%
Net result drops to €-1k, the lowest in the series.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €100kEq €113k ▲17.4%
5 profitable years in a row build equity to €113k.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €51k ▲302%
Operating result €66k, net result €51k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 63 days late
2020
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 33 days late
2019
04-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 4 days late
2018
13-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
31-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Niel · 1 establishment unit since 1996
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.
Antwerpsestraat 722845 NielGround area
337 m²
Building footprint
315 m²
Volume, LiDAR
1,758 m³
Parcel 11030B0115/00L005, Flanders · tallest building 11.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SHOP CONCEPT BVBA
since 19962.074.916.904
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11030B0115/00L005 | Flanders | 337 m² | 1 · 315 m² | 11.3 m · 1 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
MALOK
BE 0780.578.497
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STIERSCO
BE 0546.612.519
Lubbeek · Eq €126k
VAN DIJCK TOM
BE 0896.597.031
Rijkevorsel · Eq €126k
ITABAT
BE 0649.410.050
Schaarbeek · Eq €126k
SWIMTEC
BE 0862.487.277
Malle · Eq €127k
Of 7,248 companies in sector 43350 we hold annual accounts for 2,333. 1,921 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded12-01-1996
Fiscal year end30-09
Activities, NACEBEL
43350Other building finishing work
68110Buying and selling of own real estate
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.