JLA CONCEPT

Active

Private limited companyfounded 20197 yrs activeRue Wilhem Michaux(FLG) 27, 6210 Les Bons Villers, BelgiumKBO/BCE: BE 0728.604.117

Summary

JLA CONCEPT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4,012 and a net result of €1,144. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 36% of 14254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysis Watch Report Compare

JLA CONCEPTActiveChecked score 46/100

Risk analysis Report Compare

Checked score

Score 2025

46 / 100

Fair

Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability47▲+6

Solvency39▲+4

Growth78▲+46

Track record100

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 68

Relative position

BE, all sectors

reference

Real estate activities (NACE 68)

about 43% fewer bankruptcies

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 6 filings

Deviation from the deadline

2025

24 d late

2024

28 d late

2023

29 d late

2022

25 d late

2021

21 d late

2020

20 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 25 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed 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 25 August (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

28-09-2026 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

History

On 18 June 2019, JLA CONCEPT was incorporated as a Private limited company.¹ Total assets went from EUR 38,226 in 2020 to EUR 28,659 in 2025.²

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Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity

€4,012▲ 39.9%

2024 · €2,868

Total assets

€28,659▼ 3.4%

2024 · €29,677

Net result

€1,144▲ 167%

2024 · €429

Working capital

-€21,018▲ 5.2%

2024 · -€22,162

Trend over the years

Chart Table

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before

favourable unfavourable

Line20212022202320242025

Operating result-€8,901€7,835€1,762▼ 77.5%€1,461▼ 17.1%€2,599▲ 77.9%

Net result-€9,604€7,405€819▼ 88.9%€429▼ 47.7%€1,144▲ 167%

Equity-€5,784€1,621€2,440▲ 50.5%€2,868▲ 17.6%€4,012▲ 39.9%

Total assets€28,578▼ 25.2%€34,197▲ 19.7%€32,199▼ 5.8%€29,677▼ 7.8%€28,659▼ 3.4%

Debt€34,362▼ 0.1%€32,576▼ 5.2%€29,759▼ 8.6%€26,808▼ 9.9%€24,647▼ 8.1%

Working capital-€31,518▼ 14.1%-€23,561▲ 25.2%-€22,590▲ 4.1%-€22,162▲ 1.9%-€21,018▲ 5.2%

Solvency-20.2%▼ 30.2pp4.7%▲ 25.0pp7.6%▲ 2.8pp9.7%▲ 2.1pp14.0%▲ 4.3pp

Current ratio0.08▼ 0.110.28▲ 0.190.24▼ 0.040.17▼ 0.070.15▼ 0.03

Return on assets (ROA)-33.6%▼ 35.7pp21.7%▲ 55.3pp2.5%▼ 19.1pp1.4%▼ 1.1pp4.0%▲ 2.5pp

above within below the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 78% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €28,659

87.3%

12.7%

Fixed assets €25,030 =

Current assets €3,629 ▼ 21.9%

Equity and liabilities €28,659

14.0%

86.0%

Equity €4,012 ▲ 39.9%

Debt €24,647 ▼ 8.1%

Debt's share of the balance-sheet total falls from 90.3% to 86.0%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

Debt to equity

6.14▼

2024 · 9.35

ROE

28.5%▲

2024 · 14.9%

Debt ≤ 1 year

€24,647▼

2024 · €26,808

Income taxes

€1,139▲

2024 · €778

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Annual accounts

OverviewIncome statement Balance sheet Cash flow

Filed annual accounts As filed with the NBB · 2025 against 2024 · 30 lines

Balance sheet Code20242025

Assets

Total assets20/58€29,677€28,659▼

Fixed assets21/28€25,030€25,030=

Financial fixed assets28€25,030€25,030=

Current assets29/58€4,647€3,629▼

Amounts receivable within one year40/41€2,985€2,985=

Trade receivables40€1,274€1,274=

Other amounts receivable41€1,711€1,711=

Cash at bank and in hand54/58€1,662€644▼

Equity and liabilities

Total equity and liabilities10/49€29,677€28,659▼

Equity10/15€2,868€4,012▲

Contributions10/11€3,000€3,000=

Profit (loss) carried forward14-€132€1,012▲

Amounts payable17/49€26,808€24,647▼

Amounts payable within one year42/48€26,808€24,647▼

Trade debts44€155€1,001▲

Suppliers440/4€155€1,001▲

Taxes, remuneration and social security45€6,407€4,283▼

Taxes450/3€6,407€4,283▼

Other amounts payable47/48€20,246€19,363▼

Income statement Code20242025

Other operating charges640/8€1,201€1,608▲

Gross operating margin9900€2,662€4,207▲

Operating profit (loss)9901€1,461€2,599▲

Financial charges65/66B€254€316▲

Recurring financial charges65€254€316▲

Profit (loss) for the period before taxes9903€1,207€2,283▲

Income taxes67/77€778€1,139▲

Profit (loss) for the period9904€429€1,144▲

Profit (loss) for the period to be appropriated9905€429€1,144▲

Appropriation of the result

Profit (loss) to be appropriated9906-€132€1,012▲

Profit (loss) brought forward from the previous period14P-€560-€132▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line	2021	2022	2023	2024	2025	Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€553	€552	€152	-	-	-
Other operating charges640/8	€4,844	€665	€937	€1,201	€1,608	▲ 33.9%
Gross operating margin9900	-€3,504	€9,052	€2,851	€2,662	€4,207	▲ 58.0%
Operating profit (loss)9901	-€8,901	€7,835	€1,762	€1,461	€2,599	▲ 77.9%
Financial charges65/66B	€522	€241	€214	€254	€316	▲ 24.5%
Recurring financial charges65	€522	€241	€214	€254	€316	▲ 24.5%
Profit (loss) for the period before taxes9903	-€9,424	€7,595	€1,547	€1,207	€2,283	▲ 89.1%
Income taxes67/77	€180	€190	€728	€778	€1,139	▲ 46.4%
Profit (loss) for the period9904	-€9,604	€7,405	€819	€429	€1,144	▲ 167%
Profit (loss) for the period to be appropriated9905	-€9,604	€7,405	€819	€429	€1,144	▲ 167%

Line	2021	2022	2023	2024	2025	Change
Assets
Total assets20/58	€28,578	€34,197	€32,199	€29,677	€28,659	▼ 3.4%
Fixed assets21/28	€25,734	€25,182	€25,030	€25,030	€25,030	=
Tangible fixed assets22/27	€704	€152	€0	-	-	-
Furniture and vehicles24	€704	€152	€0	-	-	-
Financial fixed assets28	€25,030	€25,030	€25,030	€25,030	€25,030	=
Current assets29/58	€2,844	€9,015	€7,169	€4,647	€3,629	▼ 21.9%
Amounts receivable within one year40/41	€2,791	€8,791	€4,774	€2,985	€2,985	=
Trade receivables40	€2,791	€8,791	€4,774	€1,274	€1,274	=
Other amounts receivable41	-	-	-	€1,711	€1,711	=
Cash at bank and in hand54/58	€53	€225	€2,395	€1,662	€644	▼ 61.2%
Equity and liabilities
Total equity and liabilities10/49	€28,578	€34,197	€32,199	€29,677	€28,659	▼ 3.4%
Equity10/15	-€5,784	€1,621	€2,440	€2,868	€4,012	▲ 39.9%
Contributions10/11	€3,000	€3,000	€3,000	€3,000	€3,000	=
Profit (loss) carried forward14	-€8,784	-€1,379	-€560	-€132	€1,012	▲ 869%
Amounts payable17/49	€34,362	€32,576	€29,759	€26,808	€24,647	▼ 8.1%
Amounts payable within one year42/48	€34,362	€32,576	€29,759	€26,808	€24,647	▼ 8.1%
Trade debts44	€135	€773	€1,097	€155	€1,001	▲ 546%
Suppliers440/4	€135	€773	€1,097	€155	€1,001	▲ 546%
Taxes, remuneration and social security45	€5,489	€4,000	€2,872	€6,407	€4,283	▼ 33.2%
Taxes450/3	€5,489	€4,000	€2,872	€6,407	€4,283	▼ 33.2%
Other amounts payable47/48	€28,737	€27,803	€25,791	€20,246	€19,363	▼ 4.4%

Line	2021	2022	2023	2024	2025	Change
Profit (loss) for the period9904	-€9,604	€7,405	€819	€429	€1,144	▲ 167%
+ Depreciation and write-downs630	€553	€552	€152	-	-	-
Operating cash flow (approximation)	-€9,051	€7,957	€970	€429	€1,144	▲ 167%
Investment in fixed assets (approximation)	-	€0	€0	€0	€0	-
Change in cash	-	€172	€2,171	-€734	-€1,017	▼ 38.6%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

All 8Financial 2Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

24-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 24 days late

2025

28-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 28 days late

2024

29-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 29 days late

2023

25-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 25 days late

2022

31-12

Financial Back to profitnet €7,405

Net result €7,405 after one loss-making year.

21-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 21 days late

2021

31-12

Financial Weakest financial yearnet -€9,604

Net result drops to -€9,604, the lowest in the series; recovery starts the following year.

20-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 20 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 2 acts read

About the unread acts

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.

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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, Les Bons Villers · 1 establishment unit since 2019

seat establishment The establishment unit on the map

Ground area

1,333 m²

Building footprint

264 m²

2 parcels, Wallonia. Linked by address, not a title deed.

1 establishment unit

JLA CONCEPT SRL

Rue Wilhem Michaux(FLG) 27B, 6210 Les Bons VillersReal estate activities

since 20192.290.252.647

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52024A0419/00P000indicative	Wallonia	1,098 m²	1 · 149 m²	-
52024A0418/00G000	Wallonia	235 m²	1 · 115 m²	-

Linked by address, not proof of ownership

Good to know

1 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 31-12-2025 list no shareholders, and no other source names one.

Holdings 1

AC Immosubsidiary

Sourceown accounts 2025
Equity €4,748Result €47,227

61.82%

According to the 2025 annual accounts of JLA CONCEPT and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 11,757 companies in sector 68310 we hold annual accounts for 6,914. 1,790 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification

Legal formPrivate limited company

Founded18-06-2019

Fiscal year end31-12

Activities, NACEBEL 2025

68310Real estate agency activities

68110Buying and selling of own real estate

68322Real estate appraisal on a fee or contract basis

E-invoicing

Reachable via Peppol

Peppol ID 0208:0728604117

Also 9925:BE0728604117

Registered 06-02-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Scores and ratios are computed by Checked and are not a credit decision.