J.L.- CONCEPT
ActiveThe computed 12-month bankruptcy probability of J.L.- CONCEPT is 4.2% (elevated). The 2025 annual accounts show equity of €66k and a net result of €24k. Equity is growing by ~26% per year across the filed fiscal years. Its solvency ranks better than 61% of 1885 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags).
Checked score
Score 2025
100
/ 100
Excellent▲ +55 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency98▲+20
Growth78▲+26
Stability84
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 7.83 against 2.77 in 2024), and 42.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 25
Relative position
BE, all sectors
reference
Sector 25
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
57.3%
Return on assets
20.9%
Age of the figures
11 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 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
15 d late
2023
28 d late
2022
317 d late
2021
30 d late
2020
137 d late
2019
on the day
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publicationsPublications
UBO non-compliance×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
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▲ 57.6%
2024 · €42k
2018: €28k
2019: €-6k
2020: €-4k
2021: €11k
2022: €45k
2023: €53k
2024: €42k
2018 → 2025
Total assets
€115k▼ 1.9%
2024 · €117k
2018: €243k
2019: €191k
2020: €117k
2021: €121k
2022: €166k
2023: €199k
2024: €117k
2018 → 2025
Net result
€24k
2024 · €-11k
2018: €6k
2019: €-35k
2020: €2k
2021: €15k
2022: €34k
2023: €7k
2024: €-11k
2018 → 2025
Working capital
€97k▲ 35.3%
2024 · €72k
2018: €59k
2019: €8k
2020: €15k
2021: €32k
2022: €63k
2023: €81k
2024: €72k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€45k▲ 311%€53k▲ 16.0%€42k▼ 20.5%€66k▲ 57.6%
Operating result€30k-€53k▲ 75.5%€17k▼ 67.6%€2k▼ 87.4%€37k▲ 1,594%
Net result€15k-€34k▲ 127%€7k▼ 78.9%€-11k€24k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,594% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€4k▼ 24.3%
Current assets
€111k▼ 0.9%
Equity and liabilities €115k
Equity
€66k▲ 57.6%
Debt
€49k▼ 34.9%
The debt ratio falls from 64.3% to 42.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€37k▲
2024 · €3k
Cash flow
€25k▲
2024 · €-10k
Solvency
57.3%▲
2024 · 35.7%
Current ratio
7.83▲
2024 · 2.77
Quick ratio
6.94▲
2024 · 2.34
Debt / equity
0.75▼
2024 · 1.80
ROE
36.5%▲
2024 · -25.8%
ROA
20.9%▲
2024 · -9.2%
Interest coverage
6.74▲
2024 · 0.31
Debt
€49k▼
2024 · €76k
Debt ≤ 1 year
€14k▼
2024 · €41k
Debt > 1 year
€35k=
2024 · €35k
Income taxes
€7k▲
2024 · €3k
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€117k€115k▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€4k€2k▼
Land and buildings22€1k€795▼
Plant, machinery and equipment23€185€1k▲
Furniture and vehicles24€2k€0▼
Financial fixed assets28€2k€2k=
Current assets29/58€112k€111k▼
Stocks and contracts in progress3€18k€13k▼
Stocks30/36€18k€13k▼
Amounts receivable within one year40/41€94k€95k▲
Trade receivables40€89k€94k▲
Other amounts receivable41€6k€1k▼
Cash at bank and in hand54/58€0€3k▲
Deferred charges and accrued income490/1€351€351▲
Equity and liabilities
Total equity and liabilities10/49€117k€115k▼
Equity10/15€42k€66k▲
Contributions10/11€20k€20k=
Reserves13€32k€32k=
Distributable reserves133€32k€32k=
Profit (loss) carried forward14€-11k€13k▲
Amounts payable17/49€76k€49k▼
Amounts payable after more than one year17€35k€35k=
Financial debts170/4€35k€35k=
Amounts payable within one year42/48€41k€14k▼
Current portion of amounts payable after more than one year42€2k€2k▼
Financial debts43€13k-
Credit institutions430/8€13k-
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€20k€9k▼
Taxes450/3€20k€9k▼
Remuneration and social security454/9-€7
Other amounts payable47/48€628€1k▲
Income statement
Code20242025
Non-recurring operating income76A-€12k
Remuneration, social security and pensions62€501-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€480▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k-
Other operating charges640/8€21k€757▼
Gross operating margin9900€28k€38k▲
Operating profit (loss)9901€2k€37k▲
Financial income75/76B€775-
Recurring financial income75€775-
Financial charges65/66B€11k€6k▼
Recurring financial charges65€11k€6k▼
Profit (loss) for the period before taxes9903€-8k€31k▲
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€-11k€24k▲
Profit (loss) for the period to be appropriated9905€-11k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€13k▲
Profit (loss) brought forward from the previous period14P-€-11k
The notes to these accounts (9 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
30-09
Financial
Liquidity triplescurrent ratio 7.83
Current ratio from 2.77 to 7.83; short-term debt falls from €41k to €14k.
02-06
KBO administration
UBO non-compliance
event 19-05-2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 15 days late
09-01
KBO administration
UBO non-compliance
event 22-12-2024
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
12-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 317 days late
2022
30-09
Financial
Highest result since 2018net €34k ▲127%
Operating result €53k, net result €34k, both a record.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
14-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 137 days late
2020
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €-35k ▼658%
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
03-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 3 days late
2018
03-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
26-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
SignalFinancial 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 2014
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.
01-01-2014
Resigned as Manager
Location & real-estate footprint
Registered office, Tienen · 1 establishment unit since 2011
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.
Pastorijstraat 743300 TienenGround area
956 m²
Building footprint
120 m²
Volume, LiDAR
809 m³
Parcel 24594C0199/00F003, Flanders · tallest building 11.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J.L.-Concept
since 20112.207.719.406
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24594C0199/00F003 | Flanders | 956 m² | 1 · 120 m² | 11.5 m · 2 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.
Similar companies · same sector, comparable size
MEKA-LIFT
BE 0465.130.044
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METAAL- EN SIERSMEEDWERKEN VANDEVOORDT LUCIEN
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FASSO
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Tienen · Eq €66k
Of 3,964 companies in sector 25110 we hold annual accounts for 2,133. 1,511 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2011
Fiscal year end30-09
Activities, NACEBEL
25110Manufacture of metal structures and parts of structures
43221Plumbing work
43120Site preparation
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
68121Development of residential building projects
81230Other cleaning activities
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.