JLD CONCEPT
ActiveSummary
JLD CONCEPT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60,902 and a net result of €35,802. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 50% of 262 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency69▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 1.84 against 1.49 in 2024; short-term debt: 39.8% and cash: 63.6% of total assets), but 56.4% of the assets are financed with debt.
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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 61
Relative position
BE, all sectors
reference
Telecommunications (NACE 61)
about 159% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
43.6%
Return on assets
25.6%
Age of the figures
15 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €60,902
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-11-2025, 74 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
74 d early
2024
60 d early
2023
42 d early
2022
40 d early
2021
39 d early
2020
35 d early
2011
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 43 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€60,902▲ 11.8%
2024 · €54,486
Total assets
€139,663▼ 17.8%
2024 · €169,936
Net result
€35,802▼ 33.9%
2024 · €54,204
Working capital
€46,804▲ 20.0%
2024 · €39,018
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€61,126▲ 48.6%€33,554▼ 45.1%€20,407▼ 39.2%€65,364▲ 220%€57,676▼ 11.8%
Net result€47,341▲ 61.1%€23,859▼ 49.6%€13,572▼ 43.1%€54,204▲ 299%€35,802▼ 33.9%
Equity€52,857▼ 0.3%€76,716▲ 45.1%€52,827▼ 31.1%€54,486▲ 3.1%€60,902▲ 11.8%
Total assets€119,670▲ 64.1%€89,319▼ 25.4%€80,601▼ 9.8%€169,936▲ 111%€139,663▼ 17.8%
Debt€66,813▲ 236%€12,603▼ 81.1%€27,774▲ 120%€115,450▲ 316%€78,761▼ 31.8%
Working capital€50,887▼ 4.8%€74,327▲ 46.1%€46,771▼ 37.1%€39,018▼ 16.6%€46,804▲ 20.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €139,663
Fixed assets
€37,275 ▼ 28.1%
Current assets
€102,388 ▼ 13.3%
Equity and liabilities €139,663
Equity
€60,902 ▲ 11.8%
Debt
€78,761 ▼ 31.8%
Debt's share of the balance-sheet total falls from 67.9% to 56.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€72,210▲
2024 · €70,634
Cash flow
€50,336▼
2024 · €59,474
Current ratio
1.84▲
2024 · 1.49
Debt to equity
1.29▼
2024 · 2.12
ROE
58.8%▼
2024 · 99.5%
ROA
25.6%▼
2024 · 31.9%
Interest coverage
30.92▼
2024 · 49.71
Debt ≤ 1 year
€55,584▼
2024 · €79,110
Debt > 1 year
€23,178▼
2024 · €36,340
Income taxes
€19,552▼
2024 · €22,023
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,672 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €94 | €68 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €355 | €843 | €3,259 | €5,270 | €14,534 | ▲ 176% |
| Other operating charges640/8 | - | €561 | €579 | €1,357 | €3,929 | ▲ 189% |
| Gross operating margin9900 | €62,102 | €34,959 | €24,340 | €72,060 | €76,140 | ▲ 5.7% |
| Operating profit (loss)9901 | €61,126 | €33,554 | €20,407 | €65,364 | €57,676 | ▼ 11.8% |
| Financial income75/76B | - | €0 | €25 | €12,283 | €13 | ▼ 99.9% |
| Recurring financial income75 | €1 | €0 | €25 | €12,283 | €13 | ▼ 99.9% |
| Non-recurring financial income76B | - | - | - | €12,283 | - | - |
| Financial charges65/66B | - | €275 | €452 | €1,421 | €2,335 | ▲ 64.4% |
| Recurring financial charges65 | €290 | €275 | €452 | €1,421 | €2,335 | ▲ 64.4% |
| Profit (loss) for the period before taxes9903 | €60,837 | €33,279 | €19,980 | €76,227 | €55,354 | ▼ 27.4% |
| Income taxes67/77 | €13,496 | €9,421 | €6,408 | €22,023 | €19,552 | ▼ 11.2% |
| Profit (loss) for the period9904 | €47,341 | €23,859 | €13,572 | €54,204 | €35,802 | ▼ 33.9% |
| Profit (loss) for the period to be appropriated9905 | €47,341 | €23,859 | €13,572 | €54,204 | €35,802 | ▼ 33.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €119,670 | €89,319 | €80,601 | €169,936 | €139,663 | ▼ 17.8% |
| Fixed assets21/28 | €1,970 | €2,388 | €6,056 | €51,809 | €37,275 | ▼ 28.1% |
| Tangible fixed assets22/27 | €1,970 | €2,388 | €6,056 | €51,809 | €37,275 | ▼ 28.1% |
| Furniture and vehicles24 | - | €2,388 | €6,056 | €2,546 | €1,279 | ▼ 49.8% |
| Leasing and similar rights25 | - | - | - | €49,264 | €35,996 | ▼ 26.9% |
| Current assets29/58 | €117,700 | €86,931 | €74,545 | €118,127 | €102,388 | ▼ 13.3% |
| Amounts receivable within one year40/41 | €24,706 | €18,691 | €16,714 | €8,344 | €13,028 | ▲ 56.1% |
| Trade receivables40 | - | €17,231 | €12,364 | €6,914 | €12,380 | ▲ 79.0% |
| Other amounts receivable41 | - | €1,460 | €4,350 | €1,430 | €648 | ▼ 54.7% |
| Cash at bank and in hand54/58 | €92,699 | €67,879 | €57,568 | €107,768 | €88,765 | ▼ 17.6% |
| Deferred charges and accrued income490/1 | - | €360 | €264 | €2,015 | €595 | ▼ 70.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €119,670 | €89,319 | €80,601 | €169,936 | €139,663 | ▼ 17.8% |
| Equity10/15 | €52,857 | €76,716 | €52,827 | €54,486 | €60,902 | ▲ 11.8% |
| Contributions10/11 | - | €100 | €100 | €100 | €100 | = |
| Reserves13 | €52,727 | €76,616 | €52,727 | €54,386 | €60,802 | ▲ 11.8% |
| Distributable reserves133 | - | €76,616 | €52,727 | €54,386 | €60,802 | ▲ 11.8% |
| Profit (loss) carried forward14 | €30 | - | - | - | - | - |
| Amounts payable17/49 | €66,813 | €12,603 | €27,774 | €115,450 | €78,761 | ▼ 31.8% |
| Amounts payable after more than one year17 | - | - | - | €36,340 | €23,178 | ▼ 36.2% |
| Financial debts170/4 | - | - | - | €36,340 | €23,178 | ▼ 36.2% |
| Amounts payable within one year42/48 | €66,813 | €12,603 | €27,774 | €79,110 | €55,584 | ▼ 29.7% |
| Current portion of amounts payable after more than one year42 | - | - | €2,543 | €12,202 | €13,163 | ▲ 7.9% |
| Trade debts44 | €3,096 | €3,722 | €3,824 | €4,696 | €5,141 | ▲ 9.5% |
| Suppliers440/4 | - | €3,722 | €3,824 | €4,696 | €5,141 | ▲ 9.5% |
| Taxes, remuneration and social security45 | - | €3,915 | €5,416 | €9,952 | €5,073 | ▼ 49.0% |
| Taxes450/3 | - | €3,915 | €5,416 | €9,952 | €5,073 | ▼ 49.0% |
| Other amounts payable47/48 | - | €4,966 | €15,991 | €52,259 | €32,207 | ▼ 38.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €47,341 | €23,859 | €13,572 | €54,204 | €35,802 | ▼ 33.9% |
| + Depreciation and write-downs630 | €355 | €843 | €3,259 | €5,270 | €14,534 | ▲ 176% |
| Operating cash flow (approximation) | €47,696 | €24,702 | €16,831 | €59,474 | €50,336 | ▼ 15.4% |
| Investment in fixed assets (approximation) | - | -€1,261 | -€6,927 | -€51,023 | €0 | ▲ 100% |
| Change in cash | - | -€24,820 | -€10,312 | €50,200 | -€19,003 | ▼ 138% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
18-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
02-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Highest result since 2020net €54,204 ▲299%
Operating result €65,364, net result €54,204, both a record.
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €13,572 ▼43.1%
Net result drops to €13,572, the lowest in the series; recovery starts the following year.
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Liquidity quadruplescurrent ratio 6.90
Current ratio from 1.76 to 6.90; short-term debt falls from €66,813 to €12,603.
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
27-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2012
23-01
NBB filing
Annual accounts filed
fiscal year 2011 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Liège · 1 establishment unit since 2010
Ground area
137 m²
Building footprint
22 m²
Volume, LiDAR
107 m³
Parcel 62808A0840/00V028, Wallonia · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JLD CONCEPT
since 20102.184.802.759
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62808A0840/00V028 | Wallonia | 137 m² | 1 · 22 m² | 8.4 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,372 companies in sector 61100 we hold annual accounts for 585. 396 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
Founded14-01-2010
Fiscal year end30-06
Activities, NACEBEL 2025
61100Wired, wireless and satellite telecommunications
61200Telecommunications resale and intermediation services
43211General electrical installation work
47120Other non-specialised retail sale
47400Retail sale of information and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0822280282
Also
9925:BE0822280282
Registered
05-07-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.