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Complete company report
Generated 30-07-2026
Active BE 0667.958.727Private limited company

J.D. CONCEPT

Chaussée de Wavre 504 ·1390 Grez-Doiceau, Belgium· 9 yrs active
Sector: Retail trade (47551)
Conclusion Checked

The computed 12-month bankruptcy probability of J.D. CONCEPT is 1.0% (low). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 9 yrs
Board 1
Locations 1
Publications 4
Bankruptcy probability (12 mo) Checked model v1 · free
1.0% Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2016, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Financial overview8 NBB filings
Financials being processed
NBB has 8 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 micro 08-07-2025 2025-00242078
31-12-2023 volledig 15-07-2024 2024-00243619
31-12-2022 volledig 13-07-2023 2023-00232288
31-12-2021 volledig 09-09-2022 2022-20424735
31-12-2020 volledig 30-08-2021 2021-61700072
31-12-2019 volledig 04-08-2020 2020-39300318
31-12-2018 volledig 05-08-2019 2019-43900096
31-12-2017 volledig 19-07-2018 2018-35300223
Directors & mandates 4 directors
Current directors & mandates
  • CLEMENT Didier
    Director
    State Gazette act 23341115 (04-05-2023)
    Current
    04-05-2023 → present
    2 events
    • 04-05-2023 Resigned· Manager
    • 04-05-2023 Appointed· Director
Former directors (3)
  • ROYALE INVEST & CREDITLegal entity
    Director· perm. rep.: Jean-Philippe SEMAL
    State Gazette act 23341115 (04-05-2023)
    Former
    04-05-2023 → 17-10-2025
    2 events
    • 17-10-2025 Resigned· Director
    • 04-05-2023 Appointed· Director
  • LOVICLegal entity
    Managing director· perm. rep.: Jean-Philippe SEMAL
    State Gazette act 18066119 (23-04-2018)
    Former
    23-04-2018 → 04-05-2023
    2 events
    • 04-05-2023 Resigned· Manager
    • 23-04-2018 Appointed· Managing director
  • Jean-Philippe SEMAL
    Managing director
    State Gazette act 18066119 (23-04-2018)
    Former
    - → 23-04-2018
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Retail trade(47551)
Legal form Private limited company(610)
Incorporation21-12-2016
StatusActive
Postal code1390
Connections & network 2 connected companies
Group structure
LOVIC
Parent · 1 subsidiary · 5 locations
Control→
ROYALE INVEST & CREDIT
Parent · 1 subsidiary · 1 location
Control→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Establishment units 1 location
J.D. CONCEPT
Chaussée de Wavre 504, 1390 Grez-DoiceauGroothandel in huishoudlinnen en beddegoed
since 20172.260.131.177
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

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.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
17-10-2025
State Gazette act Director changes
v3.2
08-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
15-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2023
13-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
04-05-2023
State Gazette act Director changes
v3.2
2022
09-09-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
30-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
04-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
05-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
19-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
23-04-2018
State Gazette act Director changes
v3.2
2016
23-12-2016
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 4 acts
All acts · 4 updated 9 months ago
2025
17-10-2025 Jean-Philippe SEMAL resigns as director Director changes
  • Jean-Philippe SEMAL, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Jean-Philippe SEMAL",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0445648583",
        "name": "ROYALE INVEST CREDIT",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "evidence_quote": "L\u0027assembl\u00E9e prend acte de la d\u00E9mission de son mandat d\u0027administrateur de la soci\u00E9t\u00E9 anonyme ROYALE INVEST CREDIT dont le si\u00E8ge social est \u00E9tabli \u00E0 1390 Grez-Doiceau, rue du Beau Site 51, immatricul\u00E9e \u00E0 la BCE sous le num\u00E9ro 0445.648.583, repr\u00E9sent\u00E9e par Monsieur Jean-Philippe SEMAL (NN 67.12.04-179."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0667.958.727",
    "name_full": "J.D. CONCEPT",
    "legal_form": "SRL"
  }
}
2023
04-05-2023 2 directors appointed, 2 resigning Director changes
  • Jean-Philippe SEMAL, Bestuurder
  • CLEMENT Didier, Bestuurder
  • Jean-Philippe SEMAL, Zaakvoerder
  • CLEMENT Didier, Zaakvoerder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Jean-Philippe SEMAL",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0474324258",
        "name": "LOVIC",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de mettre fin \u00E0 la fonction des g\u00E9rants actuels, mentionn\u00E9s ci-apr\u00E8s : \u2022 la soci\u00E9t\u00E9 anonyme \u00AB LOVIC \u00BB, dont le si\u00E8ge est \u00E9tabli \u00E0 1310 La Hulpe, rue des Combattants, 120, inscrite \u00E0 la BCE sous le num\u00E9ro 0474.324.258, repr\u00E9sent\u00E9e par son repr\u00E9sentant permanent Monsieur SE"
    },
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "CLEMENT Didier",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de mettre fin \u00E0 la fonction des g\u00E9rants actuels, mentionn\u00E9s ci-apr\u00E8s : \u2022 la soci\u00E9t\u00E9 anonyme \u00AB LOVIC \u00BB, dont le si\u00E8ge est \u00E9tabli \u00E0 1310 La Hulpe, rue des Combattants, 120, inscrite \u00E0 la BCE sous le num\u00E9ro 0474.324.258, repr\u00E9sent\u00E9e par son repr\u00E9sentant permanent Monsieur SE"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Jean-Philippe SEMAL",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0445648583",
        "name": "ROYALE INVEST \u0026 CREDIT",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "evidence_quote": "Ensuite de quoi, l\u2019assembl\u00E9e g\u00E9n\u00E9rale proc\u00E8de imm\u00E9diatement \u00E0 la nomination comme administrateurs non statutaires pour une dur\u00E9e illimit\u00E9e : \u2022 La soci\u00E9t\u00E9 anonyme \u00AB ROYALE INVEST \u0026 CREDIT \u00BB, dont le si\u00E8ge est \u00E9tabli \u00E0 1390 Grez-Doiceau, rue du Beau Site, 51, inscrite \u00E0 la BCE sous le num\u00E9ro 0445.648."
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "CLEMENT Didier",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Ensuite de quoi, l\u2019assembl\u00E9e g\u00E9n\u00E9rale proc\u00E8de imm\u00E9diatement \u00E0 la nomination comme administrateurs non statutaires pour une dur\u00E9e illimit\u00E9e : \u2022 La soci\u00E9t\u00E9 anonyme \u00AB ROYALE INVEST \u0026 CREDIT \u00BB, dont le si\u00E8ge est \u00E9tabli \u00E0 1390 Grez-Doiceau, rue du Beau Site, 51, inscrite \u00E0 la BCE sous le num\u00E9ro 0445.648."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0667.958.727",
    "name_full": "J.D. CONCEPT",
    "legal_form": "SPRL"
  }
}
2018
23-04-2018 1 director appointed, 1 resigning Director changes
  • Jean-Philippe SEMAL, Gedelegeerd bestuurder
  • Jean-Philippe SEMAL, Gedelegeerd bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Jean-Philippe SEMAL",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "L\u0027assembl\u00E9e prend acte de la d\u00E9mission de son mandat de g\u00E9rant de Monsieur Jean-Philippe SEMAL, domicili\u00E9 Place St-Martin, 1 \u00E0 1457 Nil-Saint-Vincent, et lui donne d\u00E9charge pleine et enti\u00E8re de ce dernier jusqu\u0027\u00E0 ce jour.",
      "discharge_granted": true
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Jean-Philippe SEMAL",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0474324258",
        "name": "SA LOVIC",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "evidence_quote": "A l\u0027unanimit\u00E9, l\u0027assembl\u00E9e accepte la nomination au poste de g\u00E9rant de la SA LOVIC, dont le si\u00E8ge social est \u00E9tabli \u00E0 1310 LA HULPE, rue des Combattants, 120 (BCE0474.324.258). Monsieur Jean-Philippe SEMAL assumera la fonction de repr\u00E9sentant permanent de la SA LOVIC."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0667.958.727",
    "name_full": "J.D. CONCEPT",
    "legal_form": "SPRL"
  }
}
2016
23-12-2016 Incorporation of a new SRL Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "1390 Grez-Doiceau, Chauss\u00E9e de Wavre 504 bte 29",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": {
        "kbo": null,
        "name": "LOVIC"
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": "LOVIC",
      "contribution_type": "cash",
      "amount_paid_in_eur": 37500,
      "holder_person_name": null,
      "is_subscriber_only": true,
      "n_shares_subscribed": 500,
      "amount_subscribed_eur": 37500,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1967-12-04",
        "name": "Jean-Philippe Martin Jan SEMAL",
        "niss": null,
        "address": "1457 Nil-Saint-Vincent (Walhain), Place Saint-Martin, 1"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 18750,
      "holder_person_name": "Jean-Philippe Martin Jan SEMAL",
      "is_subscriber_only": false,
      "n_shares_subscribed": 250,
      "amount_subscribed_eur": 18750,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1966-02-12",
        "name": "Didier Marie Robert CLEMENT",
        "niss": null,
        "address": "4260 - Braives, rue Macabioul, 1"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 18750,
      "holder_person_name": "Didier Marie Robert CLEMENT",
      "is_subscriber_only": false,
      "n_shares_subscribed": 250,
      "amount_subscribed_eur": 18750,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 75000,
  "subject_company": {
    "kbo": "0667.958.727",
    "name_full": "J.D. CONCEPT",
    "legal_form": "SRL"
  },
  "initial_directors": [],
  "incorporation_date": "2016-12-21",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Detailhandel in huismeubilair47551Detailhandel in huismeubilair in gespecialiseerde winkels47591Detailhandel in huishoudtextiel en beddengoed in gespecialiseerde winkels47512Detailhandel in huishoudtextiel en beddengoed47512Detailhandel in verlichtingsartikelen47552Detailhandel in verlichtingsartikelen in gespecialiseerde winkels47592Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameFR J.D. CONCEPT
Registered office
Chaussée de Wavre 504 bus 29
1390 Grez-Doiceau, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative