J & C CONCEPT
Open bankruptcySummary
A bankruptcy procedure is open for J & C CONCEPT according to publications in the Belgian State Gazette. The file additionally contains 1 administrative flag. The 2023 annual accounts show equity of €63,599 and a net result of €247.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Liège, Liège division
- Declared bankrupt
- 28 April 2025
- Supervising judge
- FRANçOISE Walheer
- Official Gazette
- 02-05-2025 (pdf) ↗search the document for 2025/118731
Deadlines
- Appeal or third-party opposition until
- passed on 17 May 2025Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 28 May 2025art. XX.104 and XX.155 CEL
- First verification report
- passed on 12 June 2025Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- passed on 28 April 2026Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curators
- Elise HelmusRue Godelet 1, 4500 Huye.helmus@avocat.be
- Jean-Marc HussonRue Godelet 1/11, 4500 Huyjm.husson@skynet.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 14-09-2024, 45 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
45 d late
2022
410 d late
2021
779 d late
2020
768 d late
2019
221 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 445 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Addresses Are there other customers at risk in your own list?List enrichment How is the Site preparation sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2023, micro schema
Turnover
€177,473▲ 18.6%
2022 · €149,617
EBIT margin
23.4%▼ 9.8pp
2022 · 33.2%
Net result
€247▼ 98.6%
2022 · €17,640
Working capital
€60,417▲ 0.8%
2022 · €59,938
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192020202120222023
Turnover€166,294€149,617▼ 10.0%€177,473▲ 18.6%
Operating result€14,374▲ 361%€10,558▼ 26.5%€12,678▲ 20.1%€49,619▲ 291%€41,494▼ 16.4%
Net result€10,326▲ 359%€7,192within the sector's middle half▼ 30.3%€10,942within the sector's middle half▲ 52.1%€17,640within the sector's middle half▲ 61.2%€247below the sector's middle half▼ 98.6%
EBIT margin7.6%33.2%▲ 25.5pp23.4%▼ 9.8pp
Equity€27,577▲ 59.9%€34,769within the sector's middle half▲ 26.1%€45,711within the sector's middle half▲ 31.5%€63,352within the sector's middle half▲ 38.6%€63,599within the sector's middle half▲ 0.4%
Total assets€48,610▲ 114%€60,721below the sector's middle half▲ 24.9%€82,537within the sector's middle half▲ 35.9%€109,299within the sector's middle half▲ 32.4%€180,898within the sector's middle half▲ 65.5%
Debt€21,034▲ 287%€25,952▲ 23.4%€36,826▲ 41.9%€45,947▲ 24.8%€117,299▲ 155%
Working capital€19,923▲ 174%€30,155within the sector's middle half▲ 51.4%€41,409within the sector's middle half▲ 37.3%€59,938within the sector's middle half▲ 44.7%€60,417within the sector's middle half▲ 0.8%
Solvency56.7%▼ 19.3pp57.3%within the sector's middle half▲ 0.5pp55.4%within the sector's middle half▼ 1.9pp58.0%within the sector's middle half▲ 2.6pp35.2%within the sector's middle half▼ 22.8pp
Current ratio1.97▼ 0.372.18within the sector's middle half▲ 0.202.12within the sector's middle half▼ 0.052.30within the sector's middle half▲ 0.181.52within the sector's middle half▼ 0.79
Return on assets (ROA)21.2%▲ 11.3pp11.8%within the sector's middle half▼ 9.4pp13.3%within the sector's middle half▲ 1.4pp16.1%within the sector's middle half▲ 2.9pp0.1%below the sector's middle half▼ 16.0pp
Staff (FTE)0.3below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
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 2023; 2023 is 16% below 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €180,898
Fixed assets
€3,182 ▼ 6.8%
Current assets
€177,716 ▲ 67.8%
Equity and liabilities €180,898
Equity
€63,599 ▲ 0.4%
Debt
€117,299 ▲ 155%
Debt's share of the balance-sheet total rises from 42.0% to 64.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€41,725▼
2022 · €50,508
Cash flow
€479▼
2022 · €18,529
Debt to equity
1.84▲
2022 · 0.73
ROE
0.4%▼
2022 · 27.8%
Interest coverage
21.28▼
2022 · 21.65
Debt ≤ 1 year
€117,299▲
2022 · €45,947
Income taxes
€39,291▲
2022 · €29,792
Staff costs
€63,394▲
2022 · €30,971
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | €166,294 | €149,617 | €177,473 | ▲ 18.6% |
| Goods, raw materials, services and sundry goods60/61 | - | - | €132,931 | €76,667 | €79,452 | ▲ 3.6% |
| Remuneration, social security and pensions62 | - | €11,939 | €13,706 | €30,971 | €63,394 | ▲ 105% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,275 | €4,932 | €3,479 | €889 | €231 | ▼ 74.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €12,877 | - | - | - | - |
| Other operating charges640/8 | - | €2,579 | €3,509 | €4,903 | €2,860 | ▼ 41.7% |
| Gross operating margin9900 | €19,892 | €42,885 | €33,371 | €86,383 | €107,980 | ▲ 25.0% |
| Operating profit (loss)9901 | €14,374 | €10,558 | €12,678 | €49,619 | €41,494 | ▼ 16.4% |
| Financial income75/76B | - | €1,121 | €234 | €146 | €5 | ▼ 96.6% |
| Recurring financial income75 | - | €1,121 | €234 | €146 | €5 | ▼ 96.6% |
| Financial charges65/66B | - | €1,182 | €1,969 | €2,333 | €1,961 | ▼ 16.0% |
| Recurring financial charges65 | €511 | €1,182 | €1,969 | €2,333 | €1,961 | ▼ 16.0% |
| Profit (loss) for the period before taxes9903 | €13,862 | €10,496 | €10,942 | €47,432 | €39,538 | ▼ 16.6% |
| Income taxes67/77 | €3,537 | €3,304 | - | €29,792 | €39,291 | ▲ 31.9% |
| Profit (loss) for the period9904 | €10,326 | €7,192 | €10,942 | €17,640 | €247 | ▼ 98.6% |
| Profit (loss) for the period to be appropriated9905 | €10,326 | €7,192 | €10,942 | €17,640 | €247 | ▼ 98.6% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €48,610 | €60,721 | €82,537 | €109,299 | €180,898 | ▲ 65.5% |
| Fixed assets21/28 | €8,195 | €4,909 | €4,303 | €3,414 | €3,182 | ▼ 6.8% |
| Tangible fixed assets22/27 | €8,195 | €4,599 | €1,120 | €231 | - | - |
| Plant, machinery and equipment23 | - | €827 | - | - | - | - |
| Furniture and vehicles24 | - | €3,772 | €1,120 | €231 | - | - |
| Financial fixed assets28 | - | €310 | €3,182 | €3,182 | €3,182 | = |
| Current assets29/58 | €40,416 | €55,812 | €78,234 | €105,885 | €177,716 | ▲ 67.8% |
| Amounts receivable after more than one year29 | - | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Other amounts receivable291 | - | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Amounts receivable within one year40/41 | €31,622 | €29,115 | €50,424 | €80,883 | €151,355 | ▲ 87.1% |
| Trade receivables40 | - | €18,335 | €39,901 | €37,744 | €76,876 | ▲ 104% |
| Other amounts receivable41 | - | €10,781 | €10,523 | €43,139 | €74,478 | ▲ 72.6% |
| Cash at bank and in hand54/58 | €8,621 | €1,353 | €2,753 | €2 | €1,142 | ▲ 47,690% |
| Deferred charges and accrued income490/1 | - | €344 | €57 | - | €219 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €48,610 | €60,721 | €82,537 | €109,299 | €180,898 | ▲ 65.5% |
| Equity10/15 | €27,577 | €34,769 | €45,711 | €63,352 | €63,599 | ▲ 0.4% |
| Contributions10/11 | €15,000 | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Profit (loss) carried forward14 | €12,577 | €19,769 | €30,711 | €48,352 | €48,599 | ▲ 0.5% |
| Amounts payable17/49 | €21,034 | €25,952 | €36,826 | €45,947 | €117,299 | ▲ 155% |
| Amounts payable within one year42/48 | €20,493 | €25,657 | €36,826 | €45,947 | €117,299 | ▲ 155% |
| Financial debts43 | - | €3 | €17 | €317 | - | - |
| Credit institutions430/8 | - | €3 | €17 | €317 | - | - |
| Trade debts44 | €15,366 | €16,930 | €26,206 | €4,610 | €25,494 | ▲ 453% |
| Suppliers440/4 | - | €16,930 | €26,206 | €4,610 | €25,494 | ▲ 453% |
| Taxes, remuneration and social security45 | - | €8,723 | €10,602 | €41,020 | €91,804 | ▲ 124% |
| Taxes450/3 | - | €8,409 | €6,193 | €27,553 | €43,930 | ▲ 59.4% |
| Remuneration and social security454/9 | - | €314 | €4,410 | €13,467 | €47,875 | ▲ 256% |
| Accrued charges and deferred income492/3 | - | €295 | - | - | - | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,326 | €7,192 | €10,942 | €17,640 | €247 | ▼ 98.6% |
| + Depreciation and write-downs630 | €4,275 | €4,932 | €3,479 | €889 | €231 | ▼ 74.0% |
| Operating cash flow (approximation) | €14,601 | €12,125 | €14,421 | €18,529 | €479 | ▼ 97.4% |
| Investment in fixed assets (approximation) | - | -€1,647 | -€2,872 | €0 | €0 | - |
| Change in cash | - | -€7,269 | €1,401 | -€2,751 | €1,140 | ▲ 141% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
13-06
KBO administration
Address struck
02-05
Bankruptcy
Opening
Tribunal de l’entreprise de Liège, division Liège · event 28-04-2025
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 779 days late
14-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 45 days late
13-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 410 days late
2023
31-12
Financial
Weakest financial yearnet €247 ▼98.6%
Net result drops to €247, the lowest in the series.
07-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 768 days late
2022
31-12
Financial
Highest result since 2018net €17,640 ▲61.2%
Operating result €49,619, net result €17,640, both a record.
2021
09-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 221 days late
08-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 558 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Saint-Georges-sur-Meuse · 1 establishment unit since 2018
Ground area
1,252 m²
Building footprint
74 m²
Parcel 64065B1453/00P000, Wallonia. Linked by address, not a title deed.
1 establishment unit
J & C Concept
since 20182.276.508.539
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64065B1453/00P000 | Wallonia | 1,252 m² | 1 · 74 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
2 mandates| Role | Name | Tenure |
|---|---|---|
| Curator | ELISE HELMUS RUE GODELET 1, 4500 HUY- |
28-04-2025 → present |
| Curator | JEAN-MARC HUSSON RUE GODELET 1/11,
4500 HUY |
28-04-2025 → present |
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Of 8,465 companies in sector 43120 we hold annual accounts for 3,233. 2,581 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded04-06-2018
Fiscal year end31-12
Activities, NACEBEL 2025
43120Site preparation
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43310Plastering work
43320Joinery installation
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0697587277
Also
9925:BE0697587277
Registered
09-12-2025
The company is no longer active; its Peppol card can remain until its access point withdraws it.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.