Result
-€33,135 -€33,135
From profit to loss in 2025, after a profit of €128,157 in 2024.
J. CONCEPT
Lifetime
20 annual accounts with figures on one time axis, 32 filings since 1994peak €885,466 (2009)
-€28,305▲ €9,585
lowest -€396,516 (2022)
-€33,135▼ €161,292
peak €2.2m (2018)
€1.4m▼ 2.3%
€574▼ 98.5%
Board4 names since 2019
-
Documentsfilings and deeds
13-07-202618 days before the deadline
2025financial year
Turnover from €1,990 to €2,463Gross margin from -€37,890 to -€28,305Loss of €33,135Debts from €37,545 to €574
Key points
from the 2025 annual accountsPayment terms
3 days to suppliers
J. CONCEPT pays its suppliers 63 days earlier than in 2024. Customers pay 7 days later.
Filings
32 annual accounts since 1994
Six of the last ten came late. The 2023 accounts came latest: 48 days after the end of the period.
Checked score
90
Excellent
Financially stronger than 55% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025highest value
08-2025: 0.1%▼ -0.2 percentage points vs 07-2025lowest value
09-2025: 0.1%● unchanged vs 08-2025lowest value
10-2025: 0.1%● unchanged vs 09-2025lowest value
11-2025: 0.1%● unchanged vs 10-2025lowest value
12-2025: 0.1%● unchanged vs 11-2025lowest value
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.2%▲ +0.1 percentage points vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.1%▼ -0.1 percentage points vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
1 of the last 3 accounts late
Liquidity: current ratio 2528.25, cash €10,187
Loss of €33,135 (financial year 2025)
lowers risk
Size: turnover €2,463, total assets €1.5m
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 68, micro). It does better than 91% of them on solvency, 55% on liquidity, 13% on profitability and 60% on growth.
The bankruptcy probability was computed on 09-11-2026 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, 8,617 companies had the same profile as J. CONCEPT has now. Each dot stands for 22 companies, two years later.
94.2%
were still trading
5.2%
stopped another way
0.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of J. CONCEPT itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,447 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 8,617 companies, not a prediction for J. 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.
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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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 days early
2024
6 days early
2023
48 days late
2022
6 days early
2021
4 days late
2020
35 days early
2019
21 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 1 day after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 25 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0452817972
Capital decrease of €1,451,250 to €62,000
Capital from €1,513,250 to €62,000 · Reappointments: Serge JANSSENS, Myriam DE JONGHE, Sandrine JANSSENS and Arnaud JANSSENS · Appointment: Serge JANSSENS (chair and managing director) · General meeting of 25-10-2019 · Gazette deed
First establishment
J. CONCEPT SA, Rue du Moulin 10, Perwez
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| J. CONCEPT Perwez | €1.5m | -€28,305 | 97.7% | - |
| Smits Immo Wommelgem | €1.5m | -€29,990 | -6.1% | - |
| RUZZI Houthalen-Helchteren | €1.5m | -€14,594 | 9.3% | - |
| BAR IMMO ANTWERP Knokke-Heist | €1.3m | -€20,890 | 1.9% | - |
| DESIMPEL CONSTRUCT Jabbeke | €1.3m | -€84,880 | -118.9% | - |
| VERINVEST Ghent | €1.4m | -€2,537 | 32.2% | - |
| JURIPARTNER Merelbeke-Melle | €1.3m | €283 | 17.9% | - |
These companies have the same main activity as J. CONCEPT: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €1.3m and €1.5m, founded between 1991 and 1994.
Official details
Source: KBO- Status
- Active since 08-02-1994Normal situation
- Activity
- Development of residential building projectsNACE 68121
- Establishment unit
- 2.067.101.9691360 Perwez, since 06-06-1994
- Financial year end
- 31 December
- Peppol
- Reachable since 04-03-2026
Annual accounts 2025
- €1.5m▼ 4.7%
- Filing
- Filed on 13-07-2026, 18 days before the end of the filing period
Insights on J. CONCEPT
J. CONCEPT has existed since 1994. In 2017 the gross margin rose from €4,572 to €257,370.
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. CONCEPT
- What is the company number of J. CONCEPT?
- The company number of J. CONCEPT is 0452.817.972. The VAT number is the same number with BE in front: BE 0452.817.972.
- Where is J. CONCEPT based?
- The registered office is at Rue du Moulin 10, 1360 Perwez.Company details
- What does J. CONCEPT do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of J. CONCEPT?
- J. CONCEPT is a public limited company (NV).
- When was J. CONCEPT founded?
- J. CONCEPT was founded on 08-02-1994.
- Is J. CONCEPT still active?
- Yes, J. CONCEPT is an active enterprise in the KBO register.
- What is the turnover of J. CONCEPT?
- The turnover of J. CONCEPT was €2,463 in financial year 2025, according to the filed annual accounts.Financials
- Is J. CONCEPT profitable?
- In financial year 2025, J. CONCEPT made a loss of €33,135.
- Where can I find the annual accounts of J. CONCEPT?
- J. CONCEPT filed 32 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of J. CONCEPT due?
- J. 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 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 See what changed in the latest annual accounts.What changed
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