J-Concept
ActiveSummary
The computed 12-month bankruptcy probability of J-Concept is 2.3% (moderate). The 2025 annual accounts show equity of €14k and a net result of €15k. Equity is growing by ~189.1% per year across the filed fiscal years. Its solvency ranks better than 57% of 4522 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
Axes · tick = 2024
Profitability100▲+100
Solvency72▲+49
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.69 against 0.85 in 2024; short-term debt: 52.8% and cash: 0.2% of total assets), but 52.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← 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
47.2%
Return on assets
48.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-03-2026, 37 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
37 d early
2024
30 d early
2023
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k
2024 · €-340
2023: €3k
2024: €-340▼ -111% vs 2023lowest in 3 years
2025: €14k▲ +4325% vs 2024highest in 3 years
2023 → 2025
Total assets
€30k▲ 51.6%
2024 · €20k
2023: €26k
2024: €20k▼ -23.0% vs 2023lowest in 3 years
2025: €30k▲ +51.6% vs 2024highest in 3 years
2023 → 2025
Net result
€15k
2024 · €-3k
2023: €16khighest in 3 years
2024: €-3k▼ -121% vs 2023lowest in 3 years
2025: €15k▲ +540% vs 2024
2023 → 2025
Working capital
€11k
2024 · €-3k
2023: €371
2024: €-3k▼ -862% vs 2023lowest in 3 years
2025: €11k▲ +495% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Available amounts per fiscal year
Line202320242025Trend
Equity€3k-€-340€14k
2023: €3k
2024: €-340▼ -111% vs 2023lowest in 3 years
2025: €14k▲ +4325% vs 2024highest in 3 years
Operating result€20k-€-2k€22k
2023: €20k
2024: €-2k▼ -111% vs 2023lowest in 3 years
2025: €22k▲ +1089% vs 2024highest in 3 years
Net result€16k-€-3k€15k
2023: €16khighest in 3 years
2024: €-3k▼ -121% vs 2023lowest in 3 years
2025: €15k▲ +540% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €22k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30k
Fixed assets
€3k ▼ 18.1%
Current assets
€27k ▲ 68.5%
Equity and liabilities €30k
Equity
€14k
Debt
€16k
Debt finances 52.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€22k▲
2024 · €-2k
Cash flow
€15k▲
2024 · €-3k
Current ratio
1.69▲
2024 · 0.85
Debt to equity
1.12
ROE
102.4%
ROA
48.3%▲
2024 · -16.7%
Interest coverage
12.64▲
2024 · -1.33
Debt ≤ 1 year
€16k▼
2024 · €19k
Income taxes
€5k▲
2024 · €13
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€20k€30k▲
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€16k€27k▲
Amounts receivable within one year40/41€16k€27k▲
Trade receivables40-€8k
Other amounts receivable41€16k€19k▲
Cash at bank and in hand54/58€110€68▼
Equity and liabilities
Total equity and liabilities10/49€20k€30k▲
Equity10/15€-340€14k▲
Contributions10/11€3k€3k=
Reserves13-€11k
Distributable reserves133-€11k
Profit (loss) carried forward14€-3k-
Amounts payable17/49€20k€16k▼
Amounts payable within one year42/48€19k€16k▼
Current portion of amounts payable after more than one year42€5k€5k▼
Trade debts44€709€3k▲
Suppliers440/4€709€3k▲
Taxes, remuneration and social security45€13k€8k▼
Taxes450/3€10k€6k▼
Remuneration and social security454/9€3k€3k▲
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Remuneration, social security and pensions62€35-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€642€706▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€288€24k▲
Operating profit (loss)9901€-2k€22k▲
Financial income75/76B€5€8▲
Recurring financial income75€5€8▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-3k€20k▲
Income taxes67/77€13€5k▲
Profit (loss) for the period9904€-3k€15k▲
Profit (loss) for the period to be appropriated9905€-3k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€11k▲
Profit (loss) brought forward from the previous period14P-€-3k
Transfer to equity691/2-€11k
To other reserves6921-€11k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €35 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €190 | €642 | €706 | ▲ 10.0% |
| Other operating charges640/8 | €632 | €2k | €2k | ▲ 2.1% |
| Gross operating margin9900 | €21k | €288 | €24k | ▲ 8,246% |
| Operating profit (loss)9901 | €20k | €-2k | €22k | ▲ 1,089% |
| Financial income75/76B | €0 | €5 | €8 | ▲ 78.5% |
| Recurring financial income75 | €0 | €5 | €8 | ▲ 78.5% |
| Financial charges65/66B | €6 | €1k | €2k | ▲ 52.0% |
| Recurring financial charges65 | €6 | €1k | €2k | ▲ 52.0% |
| Profit (loss) for the period before taxes9903 | €20k | €-3k | €20k | ▲ 694% |
| Income taxes67/77 | €4k | €13 | €5k | ▲ 37,496% |
| Profit (loss) for the period9904 | €16k | €-3k | €15k | ▲ 540% |
| Profit (loss) for the period to be appropriated9905 | €16k | €-3k | €15k | ▲ 540% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €26k | €20k | €30k | ▲ 51.6% |
| Fixed assets21/28 | €3k | €4k | €3k | ▼ 18.1% |
| Tangible fixed assets22/27 | €3k | €4k | €3k | ▼ 18.1% |
| Plant, machinery and equipment23 | €360 | €2k | €1k | ▼ 24.7% |
| Furniture and vehicles24 | €2k | €2k | €2k | ▼ 11.9% |
| Current assets29/58 | €23k | €16k | €27k | ▲ 68.5% |
| Amounts receivable within one year40/41 | €10k | €16k | €27k | ▲ 69.2% |
| Trade receivables40 | €6k | - | €8k | - |
| Other amounts receivable41 | €4k | €16k | €19k | ▲ 20.4% |
| Cash at bank and in hand54/58 | €13k | €110 | €68 | ▼ 38.0% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €26k | €20k | €30k | ▲ 51.6% |
| Equity10/15 | €3k | €-340 | €14k | ▲ 4,325% |
| Contributions10/11 | €3k | €3k | €3k | = |
| Reserves13 | - | - | €11k | - |
| Distributable reserves133 | - | - | €11k | - |
| Profit (loss) carried forward14 | - | €-3k | - | - |
| Amounts payable17/49 | €23k | €20k | €16k | ▼ 21.3% |
| Amounts payable within one year42/48 | €23k | €19k | €16k | ▼ 15.4% |
| Current portion of amounts payable after more than one year42 | - | €5k | €5k | ▼ 2.0% |
| Trade debts44 | €686 | €709 | €3k | ▲ 275% |
| Suppliers440/4 | €686 | €709 | €3k | ▲ 275% |
| Taxes, remuneration and social security45 | €6k | €13k | €8k | ▼ 36.2% |
| Taxes450/3 | €6k | €10k | €6k | ▼ 46.8% |
| Remuneration and social security454/9 | - | €3k | €3k | ▲ 2.8% |
| Other amounts payable47/48 | €16k | - | - | - |
| Accrued charges and deferred income492/3 | - | €1k | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €16k | €-3k | €15k | ▲ 540% |
| + Depreciation and write-downs630 | €190 | €642 | €706 | ▲ 10.0% |
| Operating cash flow (approximation) | €16k | €-3k | €15k | ▲ 670% |
| Investment in fixed assets (approximation) | - | €-2k | €0 | ▲ 100% |
| Change in cash | - | €-13k | €-42 | ▲ 99.7% |
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
Next filing, fiscal year 2026, expected by
2026
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
30-04
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.
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Heist-op-den-Berg · 1 establishment unit since 2022
Ground area
355 m²
Building footprint
110 m²
Volume, LiDAR
617 m³
Parcel 12017B0537/00A002, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J-Concept
since 20222.339.567.249
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12017B0537/00A002 | Flanders | 355 m² | 1 · 110 m² | 9.2 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.
Similar companies · same sector, comparable size
Wingarden
BE 0540.704.724
Scherpenheuvel-Zichem · Eq €14,344
TG-Caljon
BE 0684.484.656
Brugge · Eq €14,349
Tuinen Nys
BE 1003.046.019
Bornem · Eq €14,381
Tuinaanleg Kurt Hendrix
BE 0728.762.879
Bocholt · Eq €14,305
L.Jen Services et Locations
BE 1023.619.026
Anderlues · Eq €14,303
Of 21,213 companies in sector 81300 we hold annual accounts for 4,364. 2,838 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
Founded22-11-2022
Fiscal year end30-09
Activities, NACEBEL 2025
81300Landscape service activities
Scores and ratios are computed by Checked and are not a credit decision.