Equity
€409,418 ▲ 9.6%
J.D. CONCEPT has made a profit in every financial year since 2017.
J.D. CONCEPT
Lifetime
9 annual accounts with figures on one time axispeak €154,214 (2021)
€140,728▲ 25.2%
peak €83,951 (2021)
€35,966▲ 351%
peak €409,418 (2025)
€409,418▲ 9.6%
€120,963▼ 23.7%
peak 1.5 FTE (2022)
-not published
Board3 names since 2016
1 directorCLEMENT Didier
Owners
Documentsfilings and deeds
18-08-202618 days late
2025micro format
Gross margin from €112,431 to €140,728Result from €7,967 to €35,966Resignation: ROYALE INVEST CREDIT (director) 17-10Debts from €158,471 to €120,963
Key points
from the 2025 annual accountsTurnover
≈ €790,000 estimated
The accounts state no turnover.
Liquidity
4.36 was 3.32 in 2024
Short-term debts fell from €158,471 to €120,963.
Filings
9 annual accounts 5 late
The 2021 accounts came latest: 40 days after the end of the period.
At the same address
60 companies
Position in the sector
€409,418
More equity than 94% of companies in retail trade. Sector median €41,108 · 22,912 companies.
Checked score
95
Excellent
Financially stronger than 71% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,280 companies (NACE 47, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.2%▲ +0.1 percentage points vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.2 percentage points vs 07-2026highest value
09-2026: 0.1%▼ -0.3 percentage points vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
lowers risk
Liquidity: current ratio 4.36, cash €75,166
Equity €409,418 (77.2% of total assets)
Figures for financial year 2025 (filed on 18-08-2026)
Calculation
The band follows from the bankruptcy probability. 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 47, micro). It does better than 92% of them on solvency, 66% on liquidity, 66% on profitability and 60% on growth.
The bankruptcy probability was computed on 06-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,782 companies had the same profile as J.D. CONCEPT has now. Each dot stands for 17 companies, two years later.
96.7%
were still trading
2.7%
stopped another way
0.6%
went bankrupt
That fits the bankruptcy probability of J.D. CONCEPT itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,782 companies, not a prediction for J.D. CONCEPT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.36 (3.32 in 2024), above the usual 1.5. Short-term debt is 22.8% and cash 14.2% of total assets. 22.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
18 days late
2024
23 days early
2023
16 days early
2022
18 days early
2021
40 days late
2020
30 days late
2019
4 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 5 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 July (4 of the last 5 accounts filed within 33 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0667958727
Resignation: ROYALE INVEST CREDIT (director)
General meeting of 03-09-2025 · Gazette deed
1 director appointed, 1 manager resigning
Change of role: CLEMENT Didier, from manager to director · Resignation: LOVIC (manager) · Permanent representative: SEMAL Jean-Philippe · General meeting of 17-04-2023 · Gazette deed
First establishment
Chaussée de Wavre 504, Grez-Doiceau
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| J.D. CONCEPT Grez-Doiceau | €530,382 | €140,728 | 77.2% | - |
| Creapro Interieur Genk | €496,580 | €134,651 | 30.0% | 2 |
| R&O PARTNERS Dendermonde | €583,466 | €122,831 | 13.2% | - |
| D-CORP Ypres | €511,502 | €163,862 | 13.2% | 0.9 |
| GLOBAL INTERIEUR Aywaille | €532,006 | €147,436 | 44.9% | 1.3 |
| UNIT CUISINES Estaimpuis | €644,198 | €124,766 | 37.5% | - |
| RAISON BENELUX Mont-Saint-Guibert | €443,671 | €139,506 | 27.5% | 0.5 |
These companies have the same main activity as J.D. CONCEPT: retail sale of household furniture (NACE 47551). They are comparable in size and age: total assets between €444,000 and €644,000, founded between 2015 and 2018.
Official details
Source: KBO- Status
- Active since 21-12-2016Normal situation
- Registered office
- 61 active companies are registered at this address2 started in the 12 months before. Source: KBO register, as of 7 November 2026.
- Activity
- Retail sale of household furnitureNACE 47551and 3 others
- Establishment unit
- 2.260.131.1771390 Grez-Doiceau, since 01-01-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 23-12-2025
Insights on J.D. CONCEPT
J.D. CONCEPT files the micro format. That format states no turnover. The gross margin rose from €40,294 in 2017 to €140,728 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about J.D. CONCEPT
- What is the company number of J.D. CONCEPT?
- The company number of J.D. CONCEPT is 0667.958.727. The VAT number is the same number with BE in front: BE 0667.958.727.
- Where is J.D. CONCEPT based?
- The registered office is at Chaussée de Wavre 504, 1390 Grez-Doiceau.Company details
- What does J.D. CONCEPT do?
- According to the KBO register, the main activity is retail sale of household furniture (NACE 47551).
- What is the legal form of J.D. CONCEPT?
- J.D. CONCEPT is a private limited company (BV).
- When was J.D. CONCEPT founded?
- J.D. CONCEPT was founded on 21-12-2016.
- Is J.D. CONCEPT still active?
- Yes, J.D. CONCEPT is an active enterprise in the KBO register.
- How many employees does J.D. CONCEPT have?
- J.D. CONCEPT had an average of 1.5 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- What is the turnover of J.D. CONCEPT?
- The turnover in financial year 2025 is ≈ €790,000. This figure is estimated from the gross margin of €140,728 and 34 comparable companies (NACE 475). It probably lies between €610,000 and €1.2m.
- Is J.D. CONCEPT profitable?
- In financial year 2025, J.D. CONCEPT made a profit of €35,966.
- Where can I find the annual accounts of J.D. CONCEPT?
- J.D. CONCEPT filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of J.D. CONCEPT due?
- J.D. CONCEPT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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