J.M. CONCEPT

Active

Private limited companyfounded 2007active for 19 yearsVautierstraat 12, 1050 Elsene, BelgiumKBO/BCE: BE 0891.052.193

Summary

J.M. CONCEPT has been active since 2007 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €248,542 and a net result of -€1,816. Equity is growing by about 5.1% per year across the filed financial years. Its solvency ranks better than 94% of 883 sector peers (NACE 71, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisFollow Report Compare

J.M. CONCEPTActiveChecked score 83/100

Risk analysis Report Compare

Activity

Activities of interior architects

NACE 71112Other building finishing work NACE 43350

1 site

Size

€226,931turnover 2025

Equity: €248,542
Loss: -€1,816

Financial health

83 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.5%

Structure

Accounts 33 days early0 of 1 deed read

Why 83raises riskLiquidity: current ratio 10.50Size: turnover €226,931, total assets €274,705lowers riskSector: Architectural and engineering activities; technical testing and analysis (NACE 71)Equity €248,542 (90.5% of total assets)Show the evidence

Checked score

Score 2025

83 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 57% of its sector peers (NACE 71, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 90.5% of total assets

Liquidity 100+45

short-term debt 9.5%

Profitability 36+25

return on assets -0.7%

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (14,800 companies, NACE 71, micro)

Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.4%▲ +0.3 percentage points vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.4%● unchanged vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 0.4%● unchanged vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.5%▲ +0.1 percentage points vs 09-2026highest value

Credit of up to €20,000 on 30-day terms is acceptable

Liquidity ample (current ratio 10.5, compared with 10.62 in 2024, above the usual 1.5; short-term debt: 9.5% of total assets), and 9.5% of the assets are financed with debt and provisions.

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 71, micro): better than 87% on solvency, 97% on liquidity, 17% on profitability and 25% on growth.

The bankruptcy probability was computed on 23-10-2026 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

Six signals.

lowers riskraises riskneutral

Liquidity: current ratio 10.50

NBB · annual accounts

Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)

KBO

Size: turnover €226,931, total assets €274,705

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Equity €248,542 (90.5% of total assets)

NBB · annual accounts

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

202122232425

2020 to 2025 · latest year -€1,816

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-12-2025, 33 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

33 days early

2024

39 days early

2023

43 days early

2022

43 days early

2021

39 days early

2020

27 days early

2017

19 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 35 days before the deadline; the sector median (NACE 71) for financial year 2024 is 8 days before the deadline, and 34% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 23 December (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-06-2026 year end24-10-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

29-12-2025 Annual accounts filedfinancial year 2025 · full…
23-12-2024 Annual accounts filedfinancial year 2024 · full…
30-06-2024 Weakest financial yearnet -€29,692

Key points

Risk: 3 loss-making years in a rowloss financial year 2025 -€1,816 View
Positive: Among the best 7% on solvencysector median 41.4% · 883 companies 90.5% View
Positive: Filed on time since financial year 2016accounts within the deadline every year 8 years View
Caution: Turnover fell in 2025from €324,359 to €226,931 ▼ 30.0% View

By topic

Financials

Financial year: 2025
Turnover: €226,931
Loss: -€1,816
Solvency: 90.5%

Turnover▼ 30.0%

Net result

20202025

Go to Financials

Timeline

Events: 18
Since: 2009
Next accounts: by 31-01-2027

19-12-2023Annual accounts filed
19-12-2022Annual accounts filed
30-06-2022Back to profit

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Activities of interior architectsNACE 71112
Founded: 25-07-2007
Year ends: 30-06
Peppol: Reachable for e-invoices

Go to Company details

Key facts about J.M. CONCEPT

What is the company number of J.M. CONCEPT?: 0891.052.193. In Belgium the VAT number is the company number with BE in front: BE 0891.052.193.
Where is J.M. CONCEPT based?: The registered office is at Vautierstraat 12, 1050 Elsene.Company details
What does J.M. CONCEPT do?: According to the KBO register, the main activity is activities of interior architects (NACE 71112).
What is the legal form of J.M. CONCEPT?: Private limited company (BV).
When was J.M. CONCEPT founded?: On 25-07-2007.
Is J.M. CONCEPT still active?: Yes, J.M. CONCEPT is an active enterprise in the KBO register.
What is the turnover of J.M. CONCEPT?: €226,931 in financial year 2025, according to the filed annual accounts.Financials
Is J.M. CONCEPT profitable?: In financial year 2025, J.M. CONCEPT made a loss of €1,816.
Where can I find the annual accounts of J.M. CONCEPT?: J.M. CONCEPT filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of J.M. CONCEPT due?: By 31-01-2027, for financial year 2026.Timeline