J. CONCEPT
ActiveSummary
J. CONCEPT has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.42M and a net result of €-33k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 94% of 4556 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability11▼-9
Solvency100=
Growth22=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
97.7%
Return on assets
-2.3%
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
6 d early
2023
48 d late
2022
6 d early
2021
4 d late
2020
35 d early
2019
21 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€2k▲ 23.8%
2024 · €2k
EBIT margin
-1283.0%▲ 767.9pp
2024 · -2051.0%
Net result
€-33k
2024 · €128k
Working capital
€1.45M▼ 2.2%
2024 · €1.48M
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€261k▼ 63.2%€2k€2k▲ 1.6%€2k▲ 23.8%
Operating result€23k▼ 82.0%€-44k€-41k▲ 7.3%€-41k▲ 0.5%€-32k▲ 22.6%
Net result€214k▲ 83.6%€-397k€70k€128k▲ 82.1%€-33k
EBIT margin8.6%▼ 9.0pp-2093.2%-2051.0%▲ 42.2pp-1283.0%▲ 767.9pp
Equity€1.63M▲ 15.1%€1.23M▼ 24.3%€1.30M▲ 5.7%€1.45M▲ 11.4%€1.42M▼ 2.3%
Total assets€1.80M▼ 0.5%€1.36M▼ 24.4%€1.38M▲ 1.2%€1.52M▲ 10.8%€1.45M▼ 4.7%
Debt€118k▼ 65.1%€81k▼ 31.6%€31k▼ 61.3%€38k▲ 20.2%€574▼ 98.5%
Working capital€1.68M▲ 14.3%€1.28M▼ 23.9%€1.34M▲ 5.1%€1.48M▲ 10.6%€1.45M▼ 2.2%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €32k in 2025 against €41k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.45M
Fixed assets
€2k ▼ 33.7%
Current assets
€1.45M ▼ 4.6%
Equity and liabilities €1.45M
Equity
€1.42M ▼ 2.3%
Provisions
€33k ▼ 2.2%
Debt
€574 ▼ 98.5%
Debt's share of the balance-sheet total falls from 2.5% to 0.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-31k▲
2024 · €-40k
Cash flow
€-32k▼
2024 · €129k
Debt to equity
0.00▼
2024 · 0.03
ROE
-2.3%▼
2024 · 8.8%
ROA
-2.3%▼
2024 · 8.4%
Interest coverage
-76.68▲
2024 · -118.28
Debt ≤ 1 year
€574▼
2024 · €38k
Income taxes
€14k▼
2024 · €30k
A ratio outside any meaningful range has been withheld (balance sheet total €1.45M, equity €1.42M).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €261k | - | €2k | €2k | €2k | ▲ 23.8% |
| Non-recurring operating income76A | €2k | - | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €234k | €40k | €40k | €40k | €31k | ▼ 23.0% |
| Remuneration, social security and pensions62 | €4k | €4k | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €401 | - | €393 | €481 | €852 | ▲ 77.1% |
| Other operating charges640/8 | €2k | €2k | €2k | €2k | €2k | = |
| Gross operating margin9900 | €29k | €-38k | €-38k | €-38k | €-28k | ▲ 25.3% |
| Operating profit (loss)9901 | €23k | €-44k | €-41k | €-41k | €-32k | ▲ 22.6% |
| Financial income75/76B | €273k | €5k | €141k | €200k | €13k | ▼ 93.4% |
| Recurring financial income75 | €273k | €5k | €141k | €200k | €13k | ▼ 93.4% |
| Financial charges65/66B | €2k | €351k | €1k | €341 | €401 | ▲ 17.6% |
| Recurring financial charges65 | €2k | €351k | €1k | €341 | €401 | ▲ 17.6% |
| Profit (loss) for the period before taxes9903 | €293k | €-390k | €99k | €158k | €-19k | ▼ 112% |
| Income taxes67/77 | €79k | €6k | €28k | €30k | €14k | ▼ 53.0% |
| Profit (loss) for the period9904 | €214k | €-397k | €70k | €128k | €-33k | ▼ 126% |
| Transfer to tax-exempt reserves689 | - | - | - | €0 | - | - |
| Profit (loss) for the period to be appropriated9905 | €214k | €-397k | €70k | €128k | €-33k | ▼ 126% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.80M | €1.36M | €1.38M | €1.52M | €1.45M | ▼ 4.7% |
| Fixed assets21/28 | €844 | €844 | €2k | €3k | €2k | ▼ 33.7% |
| Tangible fixed assets22/27 | - | - | €936 | €2k | €829 | ▼ 50.7% |
| Furniture and vehicles24 | - | - | €936 | €2k | €829 | ▼ 50.7% |
| Financial fixed assets28 | €844 | €844 | €844 | €844 | €844 | = |
| Current assets29/58 | €1.80M | €1.36M | €1.37M | €1.52M | €1.45M | ▼ 4.6% |
| Stocks and contracts in progress3 | €3k | €3k | €3k | €3k | €3k | = |
| Stocks30/36 | €3k | €3k | €3k | €3k | €3k | = |
| Amounts receivable within one year40/41 | €3k | €6k | €8k | €4k | €5k | ▲ 25.0% |
| Other amounts receivable41 | €3k | €6k | €8k | €4k | €5k | ▲ 25.0% |
| Current investments50/53 | €1.70M | €1.34M | €1.36M | €1.50M | €1.43M | ▼ 4.8% |
| Cash at bank and in hand54/58 | €94k | €11k | €4k | €9k | €10k | ▲ 14.2% |
| Deferred charges and accrued income490/1 | €586 | €507 | €528 | €878 | €583 | ▼ 33.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.80M | €1.36M | €1.38M | €1.52M | €1.45M | ▼ 4.7% |
| Equity10/15 | €1.63M | €1.23M | €1.30M | €1.45M | €1.42M | ▼ 2.3% |
| Contributions10/11 | €62k | €62k | €62k | €62k | €62k | = |
| Capital10 | €62k | €62k | €62k | €62k | €62k | = |
| Issued capital100 | €62k | €62k | €62k | €62k | €62k | = |
| Reserves13 | €1.57M | €1.57M | €1.64M | €1.57M | €1.57M | = |
| Non-distributable reserves130/1 | €151k | €151k | €151k | €151k | €151k | = |
| Legal reserve130 | €151k | €151k | €151k | €151k | €151k | = |
| Tax-exempt reserves132 | €36k | €36k | €36k | €36k | €36k | = |
| Distributable reserves133 | €1.38M | €1.38M | €1.45M | €1.38M | €1.38M | = |
| Profit (loss) carried forward14 | - | €-397k | €-397k | €-178k | €-211k | ▼ 18.6% |
| Provisions and deferred taxes16 | €49k | €43k | €39k | €33k | €33k | ▼ 2.2% |
| Provisions for liabilities and charges160/5 | €49k | €43k | €39k | €33k | €33k | ▼ 2.2% |
| Other liabilities and charges164/5 | €49k | €43k | €39k | €33k | €33k | ▼ 2.2% |
| Amounts payable17/49 | €118k | €81k | €31k | €38k | €574 | ▼ 98.5% |
| Amounts payable within one year42/48 | €118k | €81k | €31k | €38k | €574 | ▼ 98.5% |
| Trade debts44 | €45k | €80k | €8k | €7k | €250 | ▼ 96.5% |
| Suppliers440/4 | €45k | €80k | €8k | €7k | €250 | ▼ 96.5% |
| Taxes, remuneration and social security45 | €73k | €281 | €23k | €30k | €324 | ▼ 98.9% |
| Taxes450/3 | €73k | €281 | €23k | €30k | €324 | ▼ 98.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €214k | €-397k | €70k | €128k | €-33k | ▼ 126% |
| + Depreciation and write-downs630 | €401 | - | €393 | €481 | €852 | ▲ 77.1% |
| Operating cash flow (approximation) | €214k | €-397k | €71k | €129k | €-32k | ▼ 125% |
| Investment in fixed assets (approximation) | - | €0 | €-1k | €-1k | €0 | ▲ 100% |
| Change in cash | - | €-83k | €-7k | €5k | €1k | ▼ 75.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Liquidity times 62current ratio 2528.25
Current ratio from 40.52 to 2528.25; short-term debt falls from €38k to €574.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 48 days late
2023
31-12
Financial
Back to profitnet €70k
Net result €70k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 43.95
Current ratio from 16.82 to 43.95; short-term debt falls from €81k to €31k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-397k
Net result drops to €-397k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 15.22
Current ratio from 5.34 to 15.22; short-term debt falls from €338k to €118k.
26-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
Show earlier events
2019
31-12
Financial
Highest result since 2018net €587k ▲203%
Operating result €865k, net result €587k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Perwez · 1 establishment unit since 1994
Ground area
2,005 m²
Building footprint
182 m²
Volume, LiDAR
818 m³
Parcel 25101B0096/00B000, Wallonia · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
J. CONCEPT SA
since 19942.067.101.969
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25101B0096/00B000 | Wallonia | 2,005 m² | 1 · 182 m² | 9.5 m · 2 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
875500NDTK7V1G007031
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Of 9,698 companies in sector 68121 we hold annual accounts for 7,384. 3,458 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded08-02-1994
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Scores and ratios are computed by Checked and are not a credit decision.