J.D. CONCEPT
ActiveJ.D. CONCEPT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €409k and a net result of €36k. Equity is growing by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 85% of 18120 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+36
Solvency100▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 4.36 against 3.32 in 2024; short-term debt: 22.8% and cash: 14.2% of total assets), and 22.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
77.2%
Return on assets
6.8%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
18 d late
2024
23 d early
2023
16 d early
2022
18 d early
2021
40 d late
2020
30 d late
2019
4 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€36k▲ 351%
2024 · €8k
2018: €26k
2019: €18k
2020: €83k
2021: €84k
2022: €23k
2023: €38k
2024: €8k
2018 → 2025
Working capital
€406k▲ 10.6%
2024 · €367k
2018: €197k
2019: €196k
2020: €271k
2021: €333k
2022: €334k
2023: €356k
2024: €367k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€304k-€327k▲ 7.6%€365k▲ 11.6%€373k▲ 2.2%€409k▲ 9.6%
Operating result€101k-€24k▼ 76.2%€45k▲ 87.8%€6k▼ 86.1%€45k▲ 615%
Net result€84k-€23k▼ 72.3%€38k▲ 63.7%€8k▼ 79.1%€36k▲ 351%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 615% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €530k
Fixed assets
€3k▼ 46.3%
Current assets
€527k▲ 0.3%
Equity and liabilities €530k
Equity
€409k▲ 9.6%
Debt
€121k▼ 23.7%
The debt ratio falls from 29.8% to 22.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€48k▲
2024 · €9k
Cash flow
€39k▲
2024 · €11k
Solvency
77.2%▲
2024 · 70.2%
Current ratio
4.36▲
2024 · 3.32
Quick ratio
2.08▲
2024 · 1.75
Debt / equity
0.30▼
2024 · 0.42
ROE
8.8%▲
2024 · 2.1%
ROA
6.8%▲
2024 · 1.5%
Interest coverage
16.35▲
2024 · 2.40
Debt
€121k▼
2024 · €158k
Debt ≤ 1 year
€121k▼
2024 · €158k
Income taxes
€13k▲
2024 · €4k
Staff costs
€87k▼
2024 · €99k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€532k€530k▼
Fixed assets21/28€6k€3k▼
Tangible fixed assets22/27€6k€3k▼
Furniture and vehicles24€121€76▼
Other tangible fixed assets26€6k€3k▼
Current assets29/58€526k€527k▲
Stocks and contracts in progress3€248k€275k▲
Stocks30/36€248k€275k▲
Amounts receivable within one year40/41€200k€173k▼
Trade receivables40€114k€123k▲
Other amounts receivable41€85k€50k▼
Cash at bank and in hand54/58€76k€75k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€532k€530k▼
Equity10/15€373k€409k▲
Contributions10/11€75k€75k=
Reserves13€8k€9k▲
Tax-exempt reserves132€965€1k▲
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€290k€326k▲
Amounts payable17/49€158k€121k▼
Amounts payable within one year42/48€158k€121k▼
Financial debts43€17k€5k▼
Credit institutions430/8€17k€5k▼
Trade debts44€102k€92k▼
Suppliers440/4€102k€92k▼
Taxes, remuneration and social security45€40k€24k▼
Taxes450/3€21k€14k▼
Remuneration and social security454/9€19k€10k▼
Accrued charges and deferred income492/3-€0
Income statement
Code20242025
Remuneration, social security and pensions62€99k€87k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-26k-
Other operating charges640/8€31k€6k▼
Gross operating margin9900€112k€141k▲
Operating profit (loss)9901€6k€45k▲
Financial income75/76B€9k€7k▼
Recurring financial income75€9k€7k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€12k€49k▲
Income taxes67/77€4k€13k▲
Profit (loss) for the period9904€8k€36k▲
Transfer to tax-exempt reserves689-€175
Profit (loss) for the period to be appropriated9905€8k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€290k€326k▲
Profit (loss) brought forward from the previous period14P€282k€290k▲
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 2026, expected by
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €8k ▼79.1%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
09-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 40 days late
2021
31-12
Financial
Highest result since 2018net €84k ▲1.7%
Operating result €101k, net result €84k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Equity above €200kEq €220k ▲59.9%
3 profitable years in a row build equity to €220k.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 4 days late
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 5 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
17-10-2025
ROYALE INVEST & CREDIT: Resigned as Director
04-05-2023
CLEMENT Didier: Resigned as Manager
04-05-2023
LOVIC: Resigned as Manager
23-04-2018
Jean-Philippe SEMAL: Resigned as Managing director
Location & real-estate footprint
Registered office, Grez-Doiceau · 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.
Chaussée de Wavre 5041390 Grez-DoiceauGround area
3,483 m²
Building footprint
2,156 m²
Volume, LiDAR
32,901 m³
Parcel 25037F0176/00S000, Wallonia · tallest building 15.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
J.D. CONCEPT
since 20172.260.131.177
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25037F0176/00S000 | Wallonia | 3,483 m² | 1 · 2,156 m² | 15.9 m · 5 fl. |
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.
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Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 1,252 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2016
Fiscal year end31-12
Activities, NACEBEL
47551Retail sale of household furniture
47591Retail trade
47512Retail sale of household textiles and bedding
47552Retail sale of lighting equipment
47592Retail trade
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.outlet-literie.be
E-mail:wavre@outletliterie.be