JC-CONCEPT
ActiveJC-CONCEPT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.68M and a net result of €71k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 55% of 1985 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability21▼-12
Solvency96▲+2
Growth52=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 2.31 against 2.58 in 2024), and 48% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52%
Return on assets
2.2%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
5 d early
2023
142 d late
2022
31 d late
2021
73 d late
2020
8 d early
2019
8 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.68M▲ 4.5%
2024 · €1.60M
2018: €660k
2019: €798k
2020: €1.19M
2021: €1.39M
2022: €1.41M
2023: €1.52M
2024: €1.60M
2018 → 2025
Total assets
€3.23M▼ 1.4%
2024 · €3.27M
2018: €4.39M
2019: €3.98M
2020: €3.59M
2021: €4.05M
2022: €4.02M
2023: €3.43M
2024: €3.27M
2018 → 2025
Net result
€71k▼ 32.2%
2024 · €105k
2018: €149k
2019: €138k
2020: €394k
2021: €164k
2022: €20k
2023: €107k
2024: €105k
2018 → 2025
Working capital
€1.78M▼ 3.6%
2024 · €1.85M
2018: €465k
2019: €1.41M
2020: €1.62M
2021: €1.75M
2022: €1.77M
2023: €1.77M
2024: €1.85M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.39M-€1.41M▲ 1.5%€1.52M▲ 7.6%€1.60M▲ 5.8%€1.68M▲ 4.5%
Operating result€238k-€64k▼ 73.1%€204k▲ 218%€202k▼ 1.0%€123k▼ 39.1%
Net result€164k-€20k▼ 87.5%€107k▲ 422%€105k▼ 1.4%€71k▼ 32.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.23M
Fixed assets
€86k▼ 66.5%
Current assets
€3.14M▲ 4.2%
Equity and liabilities €3.23M
Equity
€1.68M▲ 4.5%
Debt
€1.55M▼ 7.0%
The debt ratio falls from 50.9% to 48.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€171k▼
2024 · €263k
Cash flow
€120k▼
2024 · €167k
Solvency
52.0%▲
2024 · 49.1%
Current ratio
2.31▼
2024 · 2.58
Quick ratio
1.74▼
2024 · 2.28
Debt / equity
0.92▼
2024 · 1.04
ROE
4.3%▼
2024 · 6.6%
ROA
2.2%▼
2024 · 3.2%
Interest coverage
5.62▲
2024 · 5.44
Debt
€1.55M▼
2024 · €1.67M
Debt ≤ 1 year
€1.36M▲
2024 · €1.17M
Debt > 1 year
€177k▼
2024 · €478k
Income taxes
€28k▼
2024 · €61k
Staff costs
€59k▲
2024 · €18k
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€3.27M€3.23M▼
Fixed assets21/28€258k€86k▼
Tangible fixed assets22/27€258k€86k▼
Land and buildings22€207k€51k▼
Plant, machinery and equipment23€35k€26k▼
Furniture and vehicles24€14k€5k▼
Other tangible fixed assets26€2k€4k▲
Current assets29/58€3.01M€3.14M▲
Amounts receivable after more than one year29€472k€338k▼
Other amounts receivable291€472k€338k▼
Stocks and contracts in progress3€353k€770k▲
Stocks30/36€321k€650k▲
Contracts in progress37€32k€119k▲
Amounts receivable within one year40/41€1.90M€1.78M▼
Trade receivables40€1.71M€1.61M▼
Other amounts receivable41€189k€172k▼
Current investments50/53€3k€3k=
Cash at bank and in hand54/58€254k€222k▼
Deferred charges and accrued income490/1€29k€30k▲
Equity and liabilities
Total equity and liabilities10/49€3.27M€3.23M▼
Equity10/15€1.60M€1.68M▲
Contributions10/11€19k€19k=
Reserves13€1.55M€1.62M▲
Distributable reserves133€1.55M€1.62M▲
Profit (loss) carried forward14€36k€36k=
Amounts payable17/49€1.67M€1.55M▼
Amounts payable after more than one year17€478k€177k▼
Financial debts170/4€478k€177k▼
Amounts payable within one year42/48€1.17M€1.36M▲
Current portion of amounts payable after more than one year42€816k€838k▲
Trade debts44€320k€510k▲
Suppliers440/4€320k€510k▲
Taxes, remuneration and social security45€25k€4k▼
Taxes450/3€25k€4k▼
Other amounts payable47/48€5k€7k▲
Accrued charges and deferred income492/3€22k€14k▼
Income statement
Code20242025
Non-recurring operating income76A€3k€35k▲
Remuneration, social security and pensions62€18k€59k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€61k€48k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€36k
Other operating charges640/8€10k€29k▲
Gross operating margin9900€291k€295k▲
Operating profit (loss)9901€202k€123k▼
Financial income75/76B€14k€7k▼
Recurring financial income75€14k€7k▼
Financial charges65/66B€48k€30k▼
Recurring financial charges65€48k€30k▼
Profit (loss) for the period before taxes9903€167k€99k▼
Income taxes67/77€61k€28k▼
Profit (loss) for the period9904€105k€71k▼
Transfer from tax-exempt reserves789€211k-
Transfer to tax-exempt reserves689€66k-
Profit (loss) for the period to be appropriated9905€250k€71k▼
Appropriation of the result
Profit (loss) to be appropriated9906€285k€107k▼
Profit (loss) brought forward from the previous period14P€36k€36k=
Transfer to equity691/2€250k€71k▼
To other reserves6921€250k€71k▼
Social balance
Average headcount (FTE)90870.61.3▲
The notes to these accounts (14 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 142 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €20k ▼87.5%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 73 days late
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €394k ▲186%
Operating result €529k, net result €394k, both a record.
31-12
Financial
Equity above €1MEq €1.19M ▲49.4%
3 profitable years in a row build equity to €1.19M.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
16-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 77 days late
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Scherpenheuvel-Zichem · 1 establishment unit since 2010
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.
Groenstraat(S) 773270 Scherpenheuvel-ZichemGround area
1,457 m²
Building footprint
178 m²
Volume, LiDAR
1,038 m³
Parcel 24403C0089/00A002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JC-Concept
since 20102.194.594.712
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24403C0089/00A002 | Flanders | 1,457 m² | 1 · 178 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
4 categoriesJC-CONCEPT BV35826
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Of 3,934 companies in sector 43331 we hold annual accounts for 1,776. 462 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-11-2010
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
71111Activities of building architects
43332Laying of wooden floor and wall coverings
47523Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.