FJ CONCEPT
ActiveFJ CONCEPT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €26k. Equity is shrinking by ~11% per year across the filed fiscal years. Its solvency ranks better than 66% of 976 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+19
Solvency84▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 1.89 in 2024; short-term debt: 40.6% and cash: 63.8% of total assets), and 40.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
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
59.4%
Return on assets
50.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €31k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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
47 d late
2024
16 d early
2023
30 d late
2022
60 d late
2021
31 d early
2020
18 d early
2019
39 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▲ 130%
2024 · €13k
2018: €35k
2019: €40k
2020: €44k
2021: €48k
2022: €20k
2023: €11k
2024: €13k
2018 → 2025
Total assets
€52k▲ 126%
2024 · €23k
2018: €50k
2019: €141k
2020: €63k
2021: €73k
2022: €61k
2023: €43k
2024: €23k
2018 → 2025
Net result
€26k▲ 1,095%
2024 · €2k
2018: €-2k
2019: €5k
2020: €4k
2021: €10k
2022: €-9k
2023: €-9k
2024: €2k
2018 → 2025
Working capital
€29k▲ 236%
2024 · €9k
2018: €35k
2019: €39k
2020: €41k
2021: €41k
2022: €17k
2023: €2k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€20k▼ 57.0%€11k▼ 45.7%€13k▲ 19.7%€31k▲ 130%
Operating result€13k-€-9k€-9k▼ 3.3%€3k€34k▲ 1,166%
Net result€10k-€-9k€-9k▼ 0.4%€2k€26k▲ 1,095%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1,166% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€2k▼ 58.3%
Current assets
€50k▲ 174%
Equity and liabilities €52k
Equity
€31k▲ 130%
Debt
€21k▲ 119%
The debt ratio falls from 41.8% to 40.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€39k▲
2024 · €7k
Cash flow
€31k▲
2024 · €7k
Solvency
59.4%▲
2024 · 58.2%
Current ratio
2.37▲
2024 · 1.89
Quick ratio
2.37▲
2024 · 1.89
Debt / equity
0.68▼
2024 · 0.72
ROE
85.5%▲
2024 · 16.5%
ROA
50.8%▲
2024 · 9.6%
Interest coverage
153.92▲
2024 · 30.02
Debt
€21k▲
2024 · €10k
Debt ≤ 1 year
€21k▲
2024 · €10k
Income taxes
€8k▲
2024 · €266
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€23k€52k▲
Fixed assets21/28€5k€2k▼
Tangible fixed assets22/27€5k€2k▼
Plant, machinery and equipment23€262€0▼
Furniture and vehicles24€5k€2k▼
Current assets29/58€18k€50k▲
Amounts receivable within one year40/41€4k€15k▲
Trade receivables40€3k€6k▲
Other amounts receivable41€1k€10k▲
Cash at bank and in hand54/58€14k€33k▲
Deferred charges and accrued income490/1€0€1k▲
Equity and liabilities
Total equity and liabilities10/49€23k€52k▲
Equity10/15€13k€31k▲
Contributions10/11€19k€19k=
Reserves13€2k€12k▲
Distributable reserves133€2k€12k▲
Profit (loss) carried forward14€-7k€0▲
Amounts payable17/49€10k€21k▲
Amounts payable within one year42/48€10k€21k▲
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€0€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€8k€40k▲
Operating profit (loss)9901€3k€34k▲
Financial income75/76B€0€358▲
Recurring financial income75€0€358▲
Financial charges65/66B€238€251▲
Recurring financial charges65€238€251▲
Profit (loss) for the period before taxes9903€2k€34k▲
Income taxes67/77€266€8k▲
Profit (loss) for the period9904€2k€26k▲
Profit (loss) for the period to be appropriated9905€2k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€19k▲
Profit (loss) brought forward from the previous period14P€-9k€-7k▲
Transfer from equity791/2-€2k
Transfer to equity691/2-€12k
To other reserves6921-€12k
Profit to be distributed694/7-€9k
Return on contributions (dividend)694-€9k
The notes to these accounts (9 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
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 47 days late
2025
31-12
Financial
Highest result since 2018net €26k ▲1095%
Operating result €34k, net result €26k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 3.19
Current ratio from 1.38 to 3.19; short-term debt falls from €101k to €19k.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
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
3 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, Theux · 1 establishment unit since 2007
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.
Chemin de Surister 134910 TheuxGround area
1,803 m²
Building footprint
125 m²
Volume, LiDAR
755 m³
Parcel 63060B0094/00G000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J & S CONCEPT
since 20072.164.246.182
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63060B0094/00G000 | Wallonia | 1,803 m² | 1 · 125 m² | 8.4 m · 2 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.
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Of 2,327 companies in sector 42110 we hold annual accounts for 1,097. 587 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2007
Fiscal year end31-12
Activities, NACEBEL
42110Construction of roads and motorways
43120Site preparation
45230
45112
74103Other professional, scientific and technical activities
74109Other professional, scientific and technical activities
74120Graphic design and visual communication
74140Other specialised design activities
90031Arts creation and performing arts activities
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.