J&B CONCEPT
ActiveThe computed 12-month bankruptcy probability of J&B CONCEPT is 2.0% (moderate). The 2025 annual accounts show equity of €77k and a net result of €18k. Equity is growing by ~47.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 7431 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-12
Solvency91▲+8
Growth78=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.88 against 2.34 in 2024; short-term debt: 34.1% and cash: 78.2% of total assets), and 34.1% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 41
Relative position
BE, all sectors
reference
Sector 41
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
65.9%
Return on assets
15.6%
Age of the figures
9 mo
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 d early
2024
1 d early
2023
5 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▲ 31.1%
2024 · €59k
2023: €21k
2024: €59k
2023 → 2025
Total assets
€117k▲ 14.7%
2024 · €102k
2023: €29k
2024: €102k
2023 → 2025
Net result
€18k▼ 52.0%
2024 · €38k
2023: €17k
2024: €38k
2023 → 2025
Working capital
€75k▲ 29.5%
2024 · €58k
2023: €19k
2024: €58k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€21k-€59k▲ 183%€77k▲ 31.1%
Operating result€22k-€49k▲ 125%€24k▼ 50.2%
Net result€17k-€38k▲ 127%€18k▼ 52.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€2k▲ 122%
Current assets
€114k▲ 13.7%
Equity and liabilities €117k
Equity
€77k▲ 31.1%
Debt
€40k▼ 7.5%
The debt ratio falls from 42.3% to 34.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25k▼
2024 · €49k
Cash flow
€19k▼
2024 · €38k
Solvency
65.9%▲
2024 · 57.7%
Current ratio
2.88▲
2024 · 2.34
Quick ratio
2.88▲
2024 · 2.34
Debt / equity
0.52▼
2024 · 0.73
ROE
23.7%▼
2024 · 64.7%
ROA
15.6%▼
2024 · 37.3%
Interest coverage
93.58▼
2024 · 263.18
Debt
€40k▼
2024 · €43k
Debt ≤ 1 year
€40k▼
2024 · €43k
Income taxes
€6k▼
2024 · €11k
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€102k€117k▲
Fixed assets21/28€976€2k▲
Tangible fixed assets22/27€676€2k▲
Plant, machinery and equipment23€676€310▼
Furniture and vehicles24-€1k
Financial fixed assets28€300€390▲
Current assets29/58€101k€114k▲
Amounts receivable within one year40/41€5k€21k▲
Trade receivables40€1k€18k▲
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€90k€91k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€102k€117k▲
Equity10/15€59k€77k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€55k€73k▲
Amounts payable17/49€43k€40k▼
Amounts payable within one year42/48€43k€40k▼
Trade debts44€7k€20k▲
Suppliers440/4€7k€20k▲
Taxes, remuneration and social security45€36k€20k▼
Taxes450/3€22k€19k▼
Remuneration and social security454/9€14k€709▼
Other amounts payable47/48€224€300▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€366€499▲
Other operating charges640/8€586€856▲
Gross operating margin9900€50k€26k▼
Operating profit (loss)9901€49k€24k▼
Financial income75/76B€3€3▼
Recurring financial income75€3€3▼
Financial charges65/66B€186€264▲
Recurring financial charges65€186€264▲
Profit (loss) for the period before taxes9903€48k€24k▼
Income taxes67/77€11k€6k▼
Profit (loss) for the period9904€38k€18k▼
Profit (loss) for the period to be appropriated9905€38k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€73k▲
Profit (loss) brought forward from the previous period14P€17k€55k▲
The notes to these accounts (8 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €38k ▲127%
Operating result €49k, net result €38k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Beersel · 1 establishment unit since 2022
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.
Lotsesteenweg 2271653 BeerselGround area
380 m²
Building footprint
66 m²
Volume, LiDAR
353 m³
Parcel 23017B0314/00L000, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
J&B CONCEPT
since 20222.335.705.065
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23017B0314/00L000 | Flanders | 380 m² | 1 · 66 m² | 11.1 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
J MARTINS
BE 0825.255.016
Zaventem · Eq €77k
LEJEUNE MAXIME AMENAGEMENTS EXTERIEURS
BE 0760.396.955
Soumagne · Eq €77k
AKS Company
BE 0793.841.070
Sint-Katelijne-Waver · Eq €77k
MBS BATI
BE 0665.581.930
Braine-le-Château · Eq €77k
Dierckx Didier Investment & Consultancy
BE 0847.247.884
Vorselaar · Eq €77k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,216 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-09-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43110Demolition
43120Site preparation
43130Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.