Active BE 0795.782.060Private limited company

JB CONCEPT & FILS

Koningin Astridlaan 49 ·1780 Wemmel, Belgium· 3 yrs active

Sector: Groothandel in auto's en lichte bestelwagens (<= 3,5 ton) (46711)

Conclusion Checked

The computed 12-month bankruptcy probability of JB CONCEPT & FILS is 1.9% (moderate). The 2024 annual accounts show equity of €19k and a net result of €606. Its solvency ranks better than 91% of 3380 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€19k
Net result	€606
Better than sector	91%
Active	3 yrs

Financial profile 5 of 5 axes measured · computed by Checked

67 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 88

Profitability 16

Solvency 100

Growth 35

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

1.9% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

88 / 100 Excellent

050100

Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 26-09-2025 with the NBB · fiscal year 2024 · micro

RevenueOperating resultNet result

Sector comparison

Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	84.5%	25.2%	better than 91% of 3380 sector peers
Net result	€606	€4k	better than 41% of 3366 sector peers
Equity	€19k	€22k	better than 47% of 3387 sector peers
Gross operating margin	€5k	€19k	better than 35% of 3352 sector peers
Total assets	€22k	€105k	better than 16% of 3385 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€145k

-33.3% 23-24

EBITDA

€1k

-94.3% 23-24

Net profit

€606

-95.3% 23-24

Cash flow

€1k

-93.0% 23-24

Total assets

€22k

-24.8% 23-24

Equity

€19k

+3.4% 23-24

Working capital

€15k

+92.6% 23-24

Income taxes

€151

-95.3% 23-24

Show 11 other metrics

Debt

€3k

-69.7% 23-24

Debt ≤ 1y

€3k

-69.7% 23-24

Current ratio

5.48

+221.7% 23-24

Quick ratio

2.56

+55.8% 23-24

Solvency

84.5%

+37.5% 23-24

Debt / equity

0.18

-70.7% 23-24

ROE

3.3%

-95.5% 23-24

ROA

2.8%

-93.8% 23-24

Net margin

0.4%

-93.0% 23-24

EBITDA margin

0.8%

-91.4% 23-24

Interest coverage

7.69

-99.8% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	€145k
EBITDA	€1k
Net profit	€606
Cash flow	€1k
Staff costs	-
Income taxes	€151
Dividends	-
Total assets	€22k
Equity	€19k
Debt	€3k
of which ≤ 1y	€3k
of which > 1y	-
Working capital	€15k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	5.48
Quick ratio	2.56
Working capital ratio	69.7%
Solvency	84.5%
Debt / equity	0.18
Long-term debt ratio	-
Interest coverage	7.69
Gross margin	3.5%
Net margin	0.4%
ROA	2.8%
ROE	3.3%
EBITDA margin	0.8%
Days sales outstanding	4d
Days payable outstanding	5d
Inventory turnover	14.00
Days inventory (DSI)	26d

Balance-sheet composition 2024

Assets

Fixed assets €3k · 14.8% Current assets €19k · 85.2%

Equity & liabilities

Equity €19k · 84.5% Debt €3k · 15.5%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€22k
Fixed assets	21/28	€3k
Tangible fixed assets	22/27	€3k
Current assets	29/58	€19k
Stocks & contracts in progress	3	€10k
Amounts receivable within one year	40/41	€1k
Cash & bank	54/58	€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€22k
Equity	10/15	€19k
Contributions / capital	10/11	€5k
Accumulated profits (losses)	14	€14k
Amounts payable	17/49	€3k
Amounts payable within one year	42/48	€3k
Trade debts payable within one year	44	€2k
Income statement
Turnover	70	€145k
Gross operating margin	9900	€5k
Operating result	9901	€558
Financial income	75	€356
Financial charges	65	€157
Result before taxes	9903	€757
Income taxes	67/77	€151
Net result for the period	9904	€606
Result to be appropriated	9905	€606

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)(46711)
Legal form	Private limited company(610)
Incorporation	05-01-2023
Status	Active
Postal code	1780

Establishment units 1 location

JB CONCEPT & FILS

Rue Georges Lemoine 94, 6043 CharleroiDetailhandel in auto's en lichte bestelwagens (<= 3,5 ton)

since 20232.340.466.874

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Wallonia 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52058B0562/00R268	Wallonia	2,208 m²	1 · 91 m²	7.3 m · 2 fl.
22662B0408/00S005	Flanders	1,531 m²	1 · 587 m²	13.9 m · 4 fl.

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.

Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

26-09-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

29-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)46711Terugwinning van materialen uit afval38210Terugwinning van inerte afvalstoffen38323Slopen43110Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)95311Groothandel in andere machines en werktuigen, neg46649Groothandel in aanhangwagens, opleggers en caravans46713Verhuur en lease van personenauto’s en andere lichte motorvoertuigen77110Verhuur en lease van vrachtwagens77120Landschapsverzorging81300Algemeen onderhoud en reparatie van overige motorvoertuigen (> 3,5 ton)95312Onderhoud en reparatie van motorvoertuigen, neg95319

Primary activity highlighted.

Names & trade names

Legal nameNL

JB CONCEPT & FILS

Registered office

Koningin Astridlaan 49

1780 Wemmel, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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