T CONCEPT
ActiveT CONCEPT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €-26k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 19% of 16942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▼-34
Solvency42▼-5
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.16 against 0.25 in 2024; short-term debt: 30.8% and cash: 0.3% of total assets), and 82.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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 2025Solvency, return and age of the figures
Solvency
17.2%
Return on assets
-6.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 16942 sector peers (2025).
NBB · sector comparisonPosition among 16942 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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
6 d late
2024
61 d late
2023
64 d late
2022
142 d late
2021
27 d early
2020
31 d late
2019
21 d early
← 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
Turnover
€226k
EBIT margin
15.7%
Net result
€-26k
2024 · €9k
2018: €-4k
2019: €12k
2020: €18k
2021: €17k
2022: €-11k
2023: €-10k
2024: €9k
2018 → 2025
Working capital
€-104k▼ 42.4%
2024 · €-73k
2018: €-96k
2019: €-76k
2020: €-65k
2021: €-67k
2022: €-84k
2023: €-92k
2024: €-73k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€226k-
Equity€116k-€102k▼ 11.7%€90k▼ 11.4%€98k▲ 7.9%€69k▼ 28.9%
Operating result€35k-€2k▼ 94.0%€4k▲ 104%€27k▲ 533%€-17k
Net result€17k-€-11k€-10k▲ 15.8%€9k€-26k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €17k after €27k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €404k
Fixed assets
€384k▼ 6.4%
Current assets
€20k▼ 17.6%
Equity and liabilities €404k
Equity
€69k▼ 28.9%
Debt
€334k▼ 0.7%
The debt ratio rises from 77.5% to 82.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €56k
Cash flow
€1k▼
2024 · €38k
Solvency
17.2%▼
2024 · 22.5%
Current ratio
0.16▼
2024 · 0.25
Quick ratio
0.16▼
2024 · 0.25
Debt / equity
4.82▲
2024 · 3.45
ROE
-37.7%▼
2024 · 9.5%
ROA
-6.5%▼
2024 · 2.1%
Interest coverage
0.90▼
2024 · 3.71
Debt
€334k▼
2024 · €337k
Debt ≤ 1 year
€124k▲
2024 · €98k
Debt > 1 year
€210k▼
2024 · €238k
Income taxes
€360▼
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€434k€404k▼
Fixed assets21/28€410k€384k▼
Tangible fixed assets22/27€409k€383k▼
Land and buildings22€395k€376k▼
Plant, machinery and equipment23€3k€70▼
Furniture and vehicles24€12k€7k▼
Financial fixed assets28€640€640=
Current assets29/58€24k€20k▼
Amounts receivable within one year40/41€16k€14k▼
Trade receivables40€15k€2k▼
Other amounts receivable41€1k€12k▲
Current investments50/53€207€207=
Cash at bank and in hand54/58€4k€1k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€434k€404k▼
Equity10/15€98k€69k▼
Contributions10/11€19k€19k=
Reserves13€29k€29k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€28k€28k=
Profit (loss) carried forward14€14k€-12k▼
Investment grants15€36k€34k▼
Amounts payable17/49€337k€334k▼
Amounts payable after more than one year17€238k€210k▼
Financial debts170/4€238k€210k▼
Amounts payable within one year42/48€98k€124k▲
Current portion of amounts payable after more than one year42€31k€28k▼
Trade debts44€8k€60k▲
Suppliers440/4€8k€60k▲
Taxes, remuneration and social security45€26k€20k▼
Taxes450/3€10k€5k▼
Remuneration and social security454/9€16k€15k▼
Other amounts payable47/48€32k€17k▼
Accrued charges and deferred income492/3€942-
Income statement
Code20242025
Remuneration, social security and pensions62€19k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€27k▼
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A€4k€429▼
Gross operating margin9900€83k€13k▼
Operating profit (loss)9901€27k€-17k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€15k€12k▼
Recurring financial charges65€15k€12k▼
Profit (loss) for the period before taxes9903€14k€-26k▼
Income taxes67/77€5k€360▼
Profit (loss) for the period9904€9k€-26k▼
Profit (loss) for the period to be appropriated9905€9k€-26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€-12k▼
Profit (loss) brought forward from the previous period14P€12k€14k▲
Transfer to equity691/2€8k-
To other reserves6921€8k-
The notes to these accounts (10 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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
31-12
Financial
Weakest financial yearnet €-26k ▼381%
Net result drops to €-26k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 days late
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 142 days late
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €18k ▲47%
Operating result €37k, net result €18k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲19%
2 profitable years in a row build equity to €101k.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
24-07
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
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Couvin · 2 establishment units since 2006
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 Ville 165660 CouvinGround area
1.7 ha
Building footprint
441 m²
Volume, LiDAR
4,244 m³
2 parcels, Wallonia · tallest building 21.6 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
T CONCEPT
since 20062.153.594.592
T Concept sprl
since 20202.306.613.478
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52071C0199/00D000 | Wallonia | 1.7 ha | 1 · 296 m² | 21.6 m · 5 fl. |
| 93014F0126/00D000 | Wallonia | 317 m² | 1 · 145 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
SAVOR
BE 0764.703.062
Ternat · Eq €69k
ICTLAB
BE 0786.829.158
Schaarbeek · Eq €69k
PRIMIS MISSIONIS CONSULTANCY
BE 0801.607.208
Beveren-Kruibeke-Zwijndrecht · Eq €69k
HULI
BE 0692.517.246
Sint-Katelijne-Waver · Eq €69k
Arne De Geeter
BE 0805.422.078
Wingene · Eq €69k
Of 29,997 companies in sector 62200 we hold annual accounts for 18,386. 15,535 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-04-2006
Fiscal year end31-12
Activities, NACEBEL
58110Book publishing
62020IT consultancy
62200Computer consultancy and computer facilities management
58140Publishing activities
22140
47784Retail sale of souvenirs and religious articles
47786Retail trade
47789Other retail sale of new goods
47791Retail sale of antiques
52497
52498
58130Publishing activities
59203Motion picture, video and television programme production, sound recording and music publishing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.
Contact details
2 entriesE-mail:tbilot@gmail.com
Phone:+32497432888