JEM CONCEPT

Active

Private limited companyfounded 20223 yrs activeConstant Cludtsstraat 24, 3078 Kortenberg, BelgiumKBO/BCE: BE 0793.927.380

Summary

JEM CONCEPT has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7,783 and a net result of -€2,218. Equity is shrinking by ~20.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.4% (low).

Risk analysisWatch Report Compare

JEM CONCEPTActiveChecked score 64/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€8,630total assets 2025

Equity: €7,783
Loss: -€2,218

Turnover not published (abridged schema)

Financial health

64 Healthy Checked score 2025

Bankruptcy chance 12 m: 1.4%

Structure

Accounts filed 31 d late0 of 1 deed read

Why 64- No main activity registered- Latest accounts 31 days late; 3 of the last 3 late- Founded in 2022+ Liquidity: current ratio 10.19, cash €8,580Show the evidence

Checked score

Score 2025

64 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 49% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 90.2% of total assets

Liquidity 100=

short-term debt 9.8% · cash 99.4%

Profitability 0=

return on assets -25.7%

Bankruptcy probability, 12 months

1.4% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 19 months 04-2025: 1.4% 05-2025: 1.4%▼ -0.9% vs 04-2025lowest value 06-2025: 1.4%▲ +1.7% vs 05-2025 07-2025: 1.5%▲ +4.8% vs 06-2025 08-2025: 2.3%▲ +54.7% vs 07-2025 09-2025: 1.6%▼ -29.9% vs 08-2025 10-2025: 1.6%● 0.0% vs 09-2025 11-2025: 1.6%● 0.0% vs 10-2025 12-2025: 1.6%● 0.0% vs 11-2025 01-2026: 1.6%▼ -0.7% vs 12-2025 02-2026: 1.6%▲ +2.8% vs 01-2026 03-2026: 1.7%▲ +2.2% vs 02-2026 04-2026: 1.7%▲ +3.9% vs 03-2026 05-2026: 1.7%▼ -0.3% vs 04-2026 06-2026: 1.8%▲ +1.7% vs 05-2026 07-2026: 1.9%▲ +7.1% vs 06-2026 08-2026: 2.7%▲ +43.0% vs 07-2026highest value 09-2026: 1.4%▼ -46.7% vs 08-2026 10-2026: 1.4%● 0.0% vs 09-2026

No main activity registered raises the probability
Liquidity: current ratio 10.19, cash €8,580 lowers the probability
Latest accounts 31 days late; 3 of the last 3 late raises the probability
Founded in 2022 raises the probability for this profile

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 95%, profitability 4%, growth against the median 16%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

No main activity registered

In the bankruptcy model this factor raises the probability.

KBO

Liquidity: current ratio 10.19, cash €8,580

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts 31 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Founded in 2022

In the bankruptcy model this factor raises the probability for this profile.

KBO

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 3 filings

Deviation from the deadline

2025

31 d late

2024

31 d late

2023

31 d late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 3 accounts on average 31 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)

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. Usually files around 31 August (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage