Financials
- Fiscal year
- 2025
- Total assets
- €936,043
- Loss
- -€54,815
- Solvency
- 1.6%
J&L CONCEPT
ActiveSummary
J&L CONCEPT has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15,185 and a net result of -€54,815. Its solvency ranks better than 22% of 16777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
Development of residential building projects
NACE 68121Real estate development NACE 41101
1 site
Size
€936,043total assets 2025
- Equity
- €15,185
- Loss
- -€54,815
Turnover not published (abridged schema)
Structure
Accounts filed 11 d late
Why 82- Equity €15,185 (1.6% of total assets)- Loss of €54,815 (FY 2025)+ Size: total assets €936,043+ Sector Real estate activities (NACE 68)Show the evidence
Checked score
Score 2025
82
/ 100
Excellent
Probability in this band: under 0.55%
Better than 16% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Financial strength
Weak
Solvency
27
equity 1.6% of total assets
Liquidity
13
short-term debt 79.6% · cash 4.9%
Profitability
11
return on assets -5.9%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2025: 0.7%
04-2025: 0.7%▲ +3.0% vs 03-2025
05-2025: 0.7%● 0.0% vs 04-2025
06-2025: 0.8%▲ +11.5% vs 05-2025
07-2025: 0.8%▲ +0.5% vs 06-2025
08-2025: 0.9%▲ +12.5% vs 07-2025
09-2025: 1.0%▲ +11.3% vs 08-2025
10-2025: 1.0%▲ +2.2% vs 09-2025
11-2025: 0.9%▼ -3.7% vs 10-2025
12-2025: 0.9%▲ +0.2% vs 11-2025
01-2026: 1.0%▲ +8.8% vs 12-2025
02-2026: 1.1%▲ +5.1% vs 01-2026
03-2026: 1.1%▲ +1.3% vs 02-2026highest value
04-2026: 1.1%▼ -1.5% vs 03-2026
05-2026: 1.1%● 0.0% vs 04-2026
06-2026: 0.3%▼ -74.5% vs 05-2026
07-2026: 0.3%● 0.0% vs 06-2026
08-2026: 0.3%● 0.0% vs 07-2026
09-2026: 0.3%● 0.0% vs 08-2026
10-2026: 0.3%▼ -0.7% vs 09-2026lowest value
- Size: total assets €936,043 lowers the probability for this profile
- Sector Real estate activities (NACE 68) lowers the probability
- Equity €15,185 (1.6% of total assets) raises the probability
- Loss of €54,815 (FY 2025) raises the probability
Credit up to €1,000 at 30 days acceptable
Liquidity tight (current ratio 1.25; short-term debt: 79.6% and cash: 4.9% of total assets), and 98.4% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 21%, liquidity 12%, profitability 14%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 16777 sector peers (2025).
NBB · sector comparisonPosition among 16777 sector peers
Solvency
better than 22%
← weakest
strongest →
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-05-2026, 11 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
11 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 11-05-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Development of residential building projectsNACE 68121
- Founded
- 06-02-2024
- Year ends
- 30-09
- Peppol
- Reachable for e-invoices
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