JB CONCEPT
ActiveJB CONCEPT has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €926. Its solvency ranks better than 27% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▼-17
Solvency50▲+23
Growth78
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
30 d early
2024
29 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k▲ 31.9%
2024 · €3k
2024: €3k
2024 → 2025
Total assets
€15k▼ 89.3%
2024 · €143k
2024: €143k
2024 → 2025
Net result
€926▲ 2.7%
2024 · €902
2024: €902
2024 → 2025
Working capital
€4k▲ 31.9%
2024 · €3k
2024: €3k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€3k-€4k▲ 31.9%
Operating result€3k-€2k▼ 18.0%
Net result€902-€926▲ 2.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €15k
Equity
€4k▲ 31.9%
Debt
€11k▼ 91.8%
The debt ratio falls from 98.0% to 74.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
25.1%▲
2024 · 2.0%
Current ratio
1.33▲
2024 · 1.02
Quick ratio
1.33▲
2024 · 1.02
Debt / equity
2.99▼
2024 · 48.12
ROE
24.2%▼
2024 · 31.1%
ROA
6.1%▲
2024 · 0.6%
Debt
€11k▼
2024 · €140k
Debt ≤ 1 year
€11k▼
2024 · €140k
Income taxes
€952▼
2024 · €2k
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€143k€15k▼
Current assets29/58€143k€15k▼
Amounts receivable within one year40/41€137k€14k▼
Trade receivables40€137k€14k▼
Other amounts receivable41€89-
Cash at bank and in hand54/58€4k€691▼
Deferred charges and accrued income490/1€921€587▼
Equity and liabilities
Total equity and liabilities10/49€143k€15k▼
Equity10/15€3k€4k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€902€2k▲
Amounts payable17/49€140k€11k▼
Amounts payable within one year42/48€140k€11k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Advances received on contracts in progress46€135k-
Taxes, remuneration and social security45€3k€9k▲
Taxes450/3€3k€2k▼
Remuneration and social security454/9-€7k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k-
Other operating charges640/8€2k€172▼
Gross operating margin9900€6k€2k▼
Operating profit (loss)9901€3k€2k▼
Financial charges65/66B€168€242▲
Recurring financial charges65€168€242▲
Profit (loss) for the period before taxes9903€2k€2k▼
Income taxes67/77€2k€952▼
Profit (loss) for the period9904€902€926▲
Profit (loss) for the period to be appropriated9905€902€926▲
Appropriation of the result
Profit (loss) to be appropriated9906€902€2k▲
Profit (loss) brought forward from the previous period14P-€902
The notes to these accounts (1 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 2023
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.
Rue des Mésanges 156001 CharleroiGround area
1,790 m²
Building footprint
198 m²
Volume, LiDAR
544 m³
2 parcels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JB CONCEPT
since 20232.350.541.711
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52392C0756/00R017 | Wallonia | 1,214 m² | 1 · 137 m² | - |
| 52050A0202/00W005 | Wallonia | 576 m² | 1 · 61 m² | 10.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 13,168 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-09-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.