Equity
€76,770 ▲ 31.1%
J&B CONCEPT has made a profit in every financial year since 2023.
J&B CONCEPT
Lifetime
3 annual accounts with figures on one time axisGross marginpeak €49,609 (2024)
€25,579▼ 48.4%
Resultpeak €37,895 (2024)
€18,205▼ 52.0%
Equitypeak €76,770 (2025)
€76,770▲ 31.1%
Debts
€39,770▼ 7.5%
Board2 names since 2022
2 directorsLUCAS RODRIGUES Bruno Miguel and 1 other
Documentsfilings and deeds
30-07-20261 days before the deadline
2025micro format
Gross margin from €49,609 to €25,579Result from €37,895 to €18,205Equity from €58,565 to €76,770Investments €1,690
Key points
from the 2025 annual accountsTurnover
≈ €180,000 estimated
The micro format states no turnover.
Investments
€1,600 3.2 × depreciation
Green is investment, beige is depreciation.
Checked score
88
Excellent
Financially stronger than 76% of micro companies in construction of buildings (NACE 41)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,457 companies (NACE 41, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.2%
01-2025: 1.2%● unchanged vs 12-2024
02-2025: 1.2%● unchanged vs 01-2025
03-2025: 1.2%● unchanged vs 02-2025
04-2025: 1.3%▲ +0.1 percentage points vs 03-2025
05-2025: 1.4%▲ +0.1 percentage points vs 04-2025
06-2025: 1.4%● unchanged vs 05-2025
07-2025: 1.5%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.5%▼ -1.0 percentage point vs 07-2025
09-2025: 0.5%● unchanged vs 08-2025
10-2025: 0.5%● unchanged vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.4%▼ -0.1 percentage points vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.5%▲ +0.1 percentage points vs 04-2026
06-2026: 0.3%▼ -0.2 percentage points vs 05-2026lowest value
07-2026: 0.4%▲ +0.1 percentage points vs 06-2026
08-2026: 0.3%▼ -0.1 percentage points vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Founded in 2022
lowers risk
Liquidity: current ratio 2.88, cash €91,077
Equity €76,770 (65.9% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 75% of them on solvency, 87% on liquidity, 73% on profitability and 71% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as J&B CONCEPT has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of J&B CONCEPT itself is lower: 0.3% within 12 months. It rests on far more data about J&B CONCEPT than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for J&B CONCEPT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.88 (2.34 in 2024), above the usual 1.5. Short-term debt is 34.1% and cash 78.2% of total assets. 34.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 day early
2024
1 day early
2023
5 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 2 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 July (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- LUCAS RODRIGUES Bruno Miguel founderdeed of 22-09-2022
- PEREIRA DE OLIVEIRA Jorge José founderdeed of 22-09-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0791177035
Incorporation
Founding capital of €4,000, 100 shares · Founders: LUCAS RODRIGUES Bruno Miguel and PEREIRA DE OLIVEIRA Jorge José · Appointments: LUCAS RODRIGUES Bruno Miguel (director) and PEREIRA DE OLIVEIRA Jorge José (director) · published on 22-09-2022 · Gazette deed
First establishment
Lotsesteenweg 227, Beersel
Comparable companies
same main activity, similar in size and age| Company | Turnover | EBIT margin | Solvency | Staff |
|---|---|---|---|---|
| J&B CONCEPT Beersel | - | - | 65.9% | - |
| STEFY COMPANY Vilvoorde | - | - | 74.6% | - |
| APM INTERIEUR Dilbeek | - | - | 17.1% | - |
| FORTUNA CONSTRUCT Grimbergen | €113,297 | 20.0% | 60.8% | - |
| BATI PROGRESS Dilbeek | - | - | 33.3% | - |
| RED1 VOIRIE Sint-Pieters-Leeuw | €118,550 | 11.3% | 18.7% | - |
| NORMA-TECH Tielt-Winge | - | - | 27.0% | - |
These companies have the same main activity as J&B CONCEPT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €98,300 and €120,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 20-09-2022Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 5 others
- Establishment unit
- 2.335.705.0651653 Beersel, since 20-09-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 02-12-2025
Annual accounts 2025
- Total assets
- €116,540▲ 14.7%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on J&B CONCEPT
J&B CONCEPT files the micro format. That format states no turnover. The gross margin rose from €22,110 in 2023 to €25,579 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about J&B CONCEPT
- What is the company number of J&B CONCEPT?
- The company number of J&B CONCEPT is 0791.177.035. The VAT number is the same number with BE in front: BE 0791.177.035.
- Where is J&B CONCEPT based?
- The registered office is at Lotsesteenweg 227, 1653 Beersel.Company details
- What does J&B CONCEPT do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of J&B CONCEPT?
- J&B CONCEPT is a private limited company (BV).
- When was J&B CONCEPT founded?
- J&B CONCEPT was founded on 20-09-2022.
- Is J&B CONCEPT still active?
- Yes, J&B CONCEPT is an active enterprise in the KBO register.
- What is the turnover of J&B CONCEPT?
- The turnover in financial year 2025 is ≈ €180,000. This figure is estimated from the gross margin of €25,579 and 164 comparable companies (NACE 41001). It probably lies between €99,000 and €330,000.Financials
- Is J&B CONCEPT profitable?
- In financial year 2025, J&B CONCEPT made a profit of €18,205.
- Where can I find the annual accounts of J&B CONCEPT?
- J&B CONCEPT filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of J&B CONCEPT due?
- J&B CONCEPT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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