J-Concept
ActiveJ-Concept has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €241k and a net result of €-12k. Equity is growing by ~27.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2026
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability63▼-22
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 8.51 against 6.08 in 2025; short-term debt: 8.3% and cash: 43.9% of total assets), and 8.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 07-07-2026, 55 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2026
55 d early
2025
58 d early
2024
57 d early
2023
59 d early
2021
31 d early
2020
17 d early
2019
18 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€241k▼ 13.9%
2025 · €280k
2018: €43k
2019: €70k
2020: €85k
2021: €118k
2023: €185k
2024: €260k
2025: €280k
2018 → 2026
Total assets
€265k▼ 18.2%
2025 · €324k
2018: €113k
2019: €129k
2020: €177k
2021: €260k
2023: €299k
2024: €339k
2025: €324k
2018 → 2026
Net result
€-12k
2025 · €43k
2018: €25k
2019: €27k
2020: €15k
2021: €34k
2023: €66k
2024: €75k
2025: €43k
2018 → 2026
Working capital
€166k▼ 9.4%
2025 · €183k
2018: €21k
2019: €42k
2020: €52k
2021: €40k
2023: €88k
2024: €151k
2025: €183k
2018 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212023202420252026Trend
Equity€118k-€185k▲ 56.0%€260k▲ 40.8%€280k▲ 7.8%€241k▼ 13.9%
Operating result€38k-€98k▲ 156%€106k▲ 8.0%€60k▼ 43.6%€-7k
Net result€34k-€66k▲ 97.5%€75k▲ 13.6%€43k▼ 42.8%€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2026: a loss of €7k after €60k in 2025, the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €265k
Fixed assets
€77k▼ 26.6%
Current assets
€188k▼ 14.3%
Equity and liabilities €265k
Equity
€241k▼ 13.9%
Debt
€24k▼ 45.9%
The debt ratio falls from 13.5% to 8.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€29k▼
2025 · €103k
Cash flow
€23k▼
2025 · €86k
Solvency
91.1%▲
2025 · 86.5%
Current ratio
8.51▲
2025 · 6.08
Quick ratio
6.47▲
2025 · 4.87
Debt / equity
0.10▼
2025 · 0.16
ROE
-5.0%▼
2025 · 15.4%
ROA
-4.6%▼
2025 · 13.3%
Interest coverage
30.35▼
2025 · 88.74
Debt
€24k▼
2025 · €44k
Debt ≤ 1 year
€22k▼
2025 · €36k
Debt > 1 year
€574▼
2025 · €7k
Income taxes
€5k▼
2025 · €17k
Staff costs
€16k▼
2025 · €41k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€324k€265k▼
Fixed assets21/28€105k€77k▼
Tangible fixed assets22/27€105k€77k▼
Land and buildings22€40k€35k▼
Plant, machinery and equipment23€60k€42k▼
Furniture and vehicles24€5k-
Current assets29/58€219k€188k▼
Stocks and contracts in progress3€43k€45k▲
Stocks30/36€43k€45k▲
Amounts receivable within one year40/41€14k€20k▲
Trade receivables40€9k€9k▼
Other amounts receivable41€4k€11k▲
Cash at bank and in hand54/58€157k€116k▼
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€324k€265k▼
Equity10/15€280k€241k▼
Contributions10/11€19k€19k=
Reserves13€262k€233k▼
Distributable reserves133€262k€233k▼
Profit (loss) carried forward14-€-10k
Amounts payable17/49€44k€24k▼
Amounts payable after more than one year17€7k€574▼
Financial debts170/4€7k€574▼
Amounts payable within one year42/48€36k€22k▼
Current portion of amounts payable after more than one year42€13k€7k▼
Trade debts44€8k€184▼
Suppliers440/4€8k€184▼
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€2k▼
Remuneration and social security454/9€446€5k▲
Other amounts payable47/48€12k€9k▼
Accrued charges and deferred income492/3€124€907▲
Income statement
Code20252026
Remuneration, social security and pensions62€41k€16k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€35k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€148k€47k▼
Operating profit (loss)9901€60k€-7k▼
Financial income75/76B€1k€675▼
Recurring financial income75€1k€675▼
Financial charges65/66B€1k€950▼
Recurring financial charges65€1k€950▼
Profit (loss) for the period before taxes9903€60k€-7k▼
Income taxes67/77€17k€5k▼
Profit (loss) for the period9904€43k€-12k▼
Profit (loss) for the period to be appropriated9905€43k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€-12k▼
Transfer from equity791/2€23k€29k▲
Transfer to equity691/2€43k-
To other reserves6921€43k-
Profit to be distributed694/7€23k€27k▲
Return on contributions (dividend)694€23k€27k▲
The notes to these accounts (6 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 2027, expected by
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-01
Financial
Weakest financial yearnet €-12k ▼128%
Net result drops to €-12k, the lowest in the series.
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-01
Financial
Highest result since 2018net €75k ▲13.6%
Operating result €106k, net result €75k, both a record.
31-01
Financial
Equity above €200kEq €260k ▲40.8%
6 profitable years in a row build equity to €260k.
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-01
Financial
Equity above €150kEq €185k ▲56%
5 profitable years in a row build equity to €185k.
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €118k ▲39.6%
4 profitable years in a row build equity to €118k.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Alken · 1 establishment unit since 2017
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.
Koutermanstraat 193570 AlkenGround area
852 m²
Building footprint
181 m²
Parcel 73302E1054/00H003, Flanders. Linked by address, not a title deed.
1 establishment unit
J-Concept
since 20172.267.455.370
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73302E1054/00H003 | Flanders | 852 m² | 1 · 181 m² | - |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteAlken2.267.455.370
Similar companies · same sector, comparable size
Rising You
BE 0680.584.167
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AquilaSport
BE 0730.761.574
Wingene · Eq €241k
SPORT LEISURE & EVENT CONSULTANCY
BE 0560.813.715
Beersel · Eq €242k
STOETERIJ TWINKELING
BE 0818.680.592
Kasterlee · Eq €240k
PRÉ EN BULLES
BE 0461.598.848
Esneux · Eq €240k
Of 3,292 companies in sector 93110 we hold annual accounts for 1,492. 1,097 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-08-2017
Fiscal year end31-01
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
93110Operation of sports facilities
74105Other professional, scientific and technical activities
74140Other specialised design activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.