Financials
- Financial year
- 2025
- Total assets
- €26,397
- Loss
- -€18,208
- Solvency
- -57.6%
J&M Concept
ActiveSummary
The computed 12-month bankruptcy probability of J&M Concept is 2.5% (moderate). The 2025 annual accounts show negative equity (-€15,208) and a net result of -€18,208. Its solvency ranks better than 16% of 5,570 sector peers (NACE 96, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Hairdressing and barber services
NACE 96210
2 sites
Size
€26,397total assets 2025
- Equity
- -€15,208
- Loss
- -€18,208
Turnover not published (micro format)
Structure
Accounts filed 61 days late0 of 1 deed read
Why 50raises riskLatest accounts 61 days late; 1 of the last 3 lateNegative equity -€15,208lowers riskLiquidity: current ratio 0.45, cash €7,952Size: total assets €26,397Show the evidence
Checked score
Score 2025
50
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 16% of its sector peers (NACE 96, micro)
Financial strength
Weak
Solvency
0
equity -57.6% of total assets
Liquidity
38
short-term debt 157.6% · cash 30.1%
Profitability
0
return on assets -69.0%
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2026: 1.9%lowest value
09-2026: 1.9%● unchanged vs 08-2026
10-2026: 2.5%▲ +0.6 percentage points vs 09-2026highest value
No credit on open account
Liquidity insufficient (current ratio 0.45; short-term debt: 157.6% and cash: 30.1% of total assets), and equity is negative.
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 96, micro): better than 11% on solvency, 29% on liquidity and 8% on profitability.
The bankruptcy probability was computed on 09-10-2026 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
Seven signals.
−lowers risk+raises risk○neutral
raises risk · Young company
Founded in 2025, 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 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
61 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Hairdressing and barber servicesNACE 96210
- Founded
- 04-07-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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