Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 11 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CONCEPT AUTOMOBILE from Seraing, company number BE0774492540, closed financial year 2025 with a result of € 9,783 after tax. For that financial year CONCEPT AUTOMOBILE recorded a gross margin of € 51,033 and equity of € 135,366. Compared with financial year 2024, the result moved from € 10,450 to € 9,783. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 24, 2026.
€ 135,366
▲ 8% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 9,783
▼ 6% vs 2024
Profit after tax over the fiscal year.
€ 8,358
▲ 221% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 125,366.
People and assets in 2025
€ 1,125
▼ 67% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 22,881
▲ 11% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 486,430
▼ 8% vs 2024
€ 462,893 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 180,704
▲ 234% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 3,840
▼ 84% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 75,143 | € 110,638 | € 60,841 | € 51,033 | ▼ 16% |
| Profit after taxes | € 56,347 | € 50,386 | € 10,450 | € 9,783 | ▼ 6% |
| Equity | € 64,747 | € 115,133 | € 125,583 | € 135,366 | ▲ 8% |
| Total debts | € 319,362 | € 670,547 | € 912,474 | € 988,411 | ▲ 8% |
| Cash | € 19,935 | € 628 | € 2,607 | € 8,358 | ▲ 221% |
| Retained profit | € 54,747 | € 105,133 | € 115,583 | € 125,366 | ▲ 8% |
| Dividend | € 1,600 | € 0 | € 0 | € 0 | |
| Bank debt | € 0 | € 136,000 | € 529,256 | € 486,430 | ▼ 8% |
| Balance sheet total | € 384,110 | € 785,679 | € 1,038,057 | € 1,123,777 | ▲ 8% |
Key figures of CONCEPT AUTOMOBILE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to CONCEPT AUTOMOBILE?
What happened at CONCEPT AUTOMOBILE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 9,783 (▼ 6% vs 2024). filed late Source: NBB ↗
- New establishment in Grâce-Hollogne. KBO
- Start of the company according to the CBE. KBO
In short
From € 56,347 profit in 2022 to € 9,783 profit in 2025.
Paid € 30,926 in corporate taxes since 2022.
Best year ever: 2022, with € 56,347 profit.
Paid out € 1,600 in dividends to the owners in total.
Management
The stake of MZF GROUP comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CONCEPT AUTOMOBILEBehind CONCEPT AUTOMOBILE are Mohamed FATTAL and Cédric DELHAES. The shares are held by MZF GROUP (50%).
Directors
According to the 2025 annual accounts
Shareholders
50%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue de la Vieille Espérance 137
4100 Seraing
Rue de l'Expansion 14
4460 Grâce-Hollogne
Active since 23 September 2021
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 7 companies are registered at this address.
All companies at this address →BIA MAISONS
€ 114,629 gross margin · 2025
A.V. BAT
€ 498,261 gross margin · 2024
AUTOMOBILE CONCEPT
€ 52,668 gross margin · 2025
LM INVEST
€ 74,137 gross margin · 2025
LMP GROUP
€ 24,705 gross margin · 2025
+2 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
WIX_COM, IL
Website info
Features
Security
Details
- Company number
- 0774.492.540
- VAT number
- BE 0774.492.540
- Registered office
- Rue de la Vieille Espérance 137, 4100 Seraing
- Names & denominations
- CONCEPT AUTOMOBILE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 23 September 2021
- Peppol
- Active · Active since 10 Jan 2026
- Contact
- conceptautomobile.be +32488241241
- Activities · NACE
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)