J&E Concept
ActiveSummary
J&E Concept has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76,352 and a net result of €32,869. Its solvency ranks better than 74% of 34,789 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
- Equity
- €76,352
- Profit
- €32,869
- Aertgeerts Elke Daisy EddyDirector
- AERTGEERTS Jim Marie-José JozefDirector
- Herman Jilly Ingrid Annie PetraDirector
Why 71raises riskFounded in 20241 change of registered office in 24 monthslowers riskLiquidity: current ratio 2.89, cash €44,432Figures for financial year 2025 (filed 14-07-2026)Show the evidence
Checked score
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 75% on solvency, 84% on liquidity, 92% on profitability and 88% on growth.
The bankruptcy probability was computed on 28-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 2 accounts on average 6 days before the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Resignation: Eli Matthé (director)Director discharge · Registered-office move
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2024 to 2025, 2 financial years
The operating result rises in 2025; 2025 is 56% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 43, Specialised construction activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.9% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €1,872 | - |
| Other operating charges640/8 | €573 | €1,212 | ▲ 112% |
| Gross operating margin9900 | €30,837 | €50,311 | ▲ 63.2% |
| Operating profit (loss)9901 | €30,264 | €47,227 | ▲ 56.1% |
| Financial income75/76B | €401 | €235 | ▼ 41.4% |
| Recurring financial income75 | €401 | €235 | ▼ 41.4% |
| Financial charges65/66B | €1,198 | €1,747 | ▲ 45.8% |
| Recurring financial charges65 | €1,198 | €1,747 | ▲ 45.8% |
| Profit (loss) for the period before taxes9903 | €29,466 | €45,715 | ▲ 55.1% |
| Income taxes67/77 | €5,983 | €12,846 | ▲ 115% |
| Profit (loss) for the period9904 | €23,483 | €32,869 | ▲ 40.0% |
| Profit (loss) for the period to be appropriated9905 | €23,483 | €32,869 | ▲ 40.0% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €62,126 | €111,115 | ▲ 78.9% |
| Fixed assets21/28 | - | €10,506 | - |
| Tangible fixed assets22/27 | - | €10,506 | - |
| Furniture and vehicles24 | - | €10,506 | - |
| Current assets29/58 | €62,126 | €100,609 | ▲ 61.9% |
| Stocks and contracts in progress3 | €4,635 | €2,135 | ▼ 53.9% |
| Stocks30/36 | €4,635 | €2,135 | ▼ 53.9% |
| Amounts receivable within one year40/41 | €44,618 | €54,042 | ▲ 21.1% |
| Trade receivables40 | €31,944 | - | - |
| Other amounts receivable41 | €12,674 | €54,042 | ▲ 326% |
| Cash at bank and in hand54/58 | €12,829 | €44,432 | ▲ 246% |
| Deferred charges and accrued income490/1 | €44 | - | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €62,126 | €111,115 | ▲ 78.9% |
| Equity10/15 | €43,483 | €76,352 | ▲ 75.6% |
| Contributions10/11 | €20,000 | €20,000 | = |
| Reserves13 | - | €32,869 | - |
| Distributable reserves133 | - | €32,869 | - |
| Profit (loss) carried forward14 | €23,483 | €23,483 | = |
| Amounts payable17/49 | €18,643 | €34,763 | ▲ 86.5% |
| Amounts payable within one year42/48 | €18,643 | €34,763 | ▲ 86.5% |
| Trade debts44 | €7,661 | €15,934 | ▲ 108% |
| Suppliers440/4 | €7,661 | €15,934 | ▲ 108% |
| Taxes, remuneration and social security45 | €5,983 | €18,830 | ▲ 215% |
| Taxes450/3 | €5,983 | €18,830 | ▲ 215% |
| Other amounts payable47/48 | €4,999 | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €23,483 | €32,869 | ▲ 40.0% |
| + Depreciation and write-downs630 | - | €1,872 | - |
| Operating cash flow (approximation) | €23,483 | €34,741 | ▲ 47.9% |
| Change in cash | - | €31,603 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 14-07-2026 | 2026-00304556 |
| 31-12-2024 | micro format | 05-08-2025 | 2025-00361765 |
Similar companies · same sector, comparable size
Subsidies and aid
Flemish government
2024 · 1 entry · €720 awarded · €720 paidPublic contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| Aertgeerts Elke Daisy Eddy |
|
| AERTGEERTS Jim Marie-José Jozef |
|
| Herman Jilly Ingrid Annie Petra |
|
| MATTHÉ Eli |
|
Owners and capital
Capital and shareholders
- MATTHÉ Eli 50 shares (50%) · €10,000
- AERTGEERTS Jim Marie-José Jozef 50 shares (50%) · €10,000
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 13-02-2024 Incorporation · €20,000 · 100 shares
Group and network
Connections & network
3 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
29-12
Gazette deed
Resignation: Eli Matthé (director)Director discharge · Registered-office move4 facts ▸
- General meeting, 05-12-2025
- Director resignation, Eli Matthé (director (not named in the articles))
- Director discharge, Eli Matthé
- Registered-office move, Langbaan 3, 2150 Borsbeek (Antwerpen)
13-02
Gazette deed
IncorporationAppointments: Herman Jilly Ingrid Annie Petra, Aertgeerts Elke Daisy Eddy and 2 others · Registered office clause · Founder14 facts ▸
- Other provision, “strafrechtelijk bestuursverbod, burgerrechtelijk bestuursverbod, bestuursverbod-verklaring” (deed in Dutch) (2 times)
- Other provision, “registercontrole bestuursverbod, via www.justonweb.be – ondernemingen” (deed in Dutch)
- Incorporation, 07-02-2024
- Registered office clause, “2150 Borsbeek,Mellegracht 21” (deed in Dutch)
- Founder, MATTHÉ Eli
- Founder, AERTGEERTS Jim Marie-José Jozef
- Other provision, “bedrag kapitaal en toegestane kapitaal” (deed in Dutch)
- Founding capital, €20,000
- Bank account, “Wommelgem, bijzondere rekening op naam vennootschap in oprichting” (deed in Dutch)
- Capital
- Director appointment, Herman Jilly Ingrid Annie Petra (opvolgend bestuurder)
- Director appointment, Aertgeerts Elke Daisy Eddy (opvolgend bestuurder)
- +2 further facts in this act
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 1005.843.379
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11007A0105/00C000 | Flanders | 2,008 m² | 1 · 151 m² | 6.4 m |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- J&E Concept
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaamse Gewest, exploitatiezetels,administratieve zetels,filialen,agentschappen en depots in België of buitenland” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Het bestuursorgaan vertegenwoordigt de vennootschap jegens derden, met inbegrip van de vertegenwoordiging in rechte. Indien er verschillende…”
- Board ruleHow the board is made up, meets and takes decisions.
- “1, al dan niet aandeelhouder” (deed in Dutch)“Algemene vergadering kan mandaat steeds beëindigen wegens wettige reden zonder opzeggingstermijn of vertrekvergoeding, niet bezoldigd tenzij…” (deed in Dutch)
- Power of attorneyA special mandate allowing someone to perform one or more acts on the company's behalf.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- “13° plaats, dag, uur jaarvergadering van de vennoten of aandeelhouders, alsook de voorwaarden voor toelating tot de vergadering en voor de…” (deed in Dutch)
Oversight and winding up
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed