Checked.be
Active
BE 0839.391.280General partnership
JM Concept
Rue Joseph Wauters(WAN) 97 ·4520 Wanze, Belgium· 14 yrs active
Sector: Construction of buildings
(41001)
Conclusion
The computed 12-month bankruptcy probability of JM Concept is 0.9% (low). The 2024 annual accounts show negative equity (€-85k) and a net result of €-3k. Its solvency ranks better than 5% of 3827 sector peers (fiscal year 2024). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Key figures
| Equity | €-85k |
| Net result | €-3k |
| Better than sector | 5% |
| Active | 14 yrs |
Snowflake analysis
44
/ 100
Fragile profile, watch health in particular.
Health
8
Profitability
19
Solvency
33
Growth
58
Stability
100
Bankruptcy probability (12 mo)
0.9%
Low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form
−Annual accounts: weaker financial profile
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2011, 14 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
No administrative flags
Health barometer
8
/ 100
Critical
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview
Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -497.0% | 39.4% | |
| Net result | €-3k | €9k | |
| Equity | €-85k | €29k | |
| Gross operating margin | €-168 | €26k | |
| Staff costs | €489 | €16k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-1k
+25.2%
+83% vs sector
€-3k
+12.9%
+69% vs sector
€-1k
+30.2%
+88% vs sector
€17k
-18.1%
-90% vs sector
€-85k
-4.0%
far below sector median
€-89k
-1.7%
far below sector median
€489
-16.7%
-99% vs sector
€102k
-0.5%
+89% vs sector
€102k
-0.5%
+89% vs sector
0.12
-13.0%
-94% vs sector
0.12
-13.0%
-94% vs sector
-497.0%
-27.1%
far below sector median
-1.20
+4.3%
far below sector median
3.9%
-16.2%
far above sector median
-19.2%
-6.5%
-105% vs sector
-40.35
-297.2%
far below sector median
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €-1k |
| Net profit | €-3k |
| Cash flow | €-1k |
| Staff costs | €489 |
| Income taxes | - |
| Dividends | - |
| Total assets | €17k |
| Equity | €-85k |
| Debt | €102k |
| of which ≤ 1y | €102k |
| of which > 1y | - |
| Working capital | €-89k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.12 |
| Quick ratio | 0.12 |
| Working capital ratio | -522.5% |
| Solvency | -497.0% |
| Debt / equity | -1.20 |
| Long-term debt ratio | - |
| Interest coverage | -40.35 |
| Gross margin | - |
| Net margin | - |
| ROA | -19.2% |
| ROE | 3.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €17k |
| Fixed assets | 21/28 | €4k |
| Tangible fixed assets | 22/27 | €4k |
| Financial fixed assets | 28 | €180 |
| Current assets | 29/58 | €13k |
| Amounts receivable within one year | 40/41 | €12k |
| Cash & bank | 54/58 | €453 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €17k |
| Equity | 10/15 | €-85k |
| Contributions / capital | 10/11 | €500 |
| Accumulated profits (losses) | 14 | €-85k |
| Amounts payable | 17/49 | €102k |
| Amounts payable within one year | 42/48 | €102k |
| Trade debts payable within one year | 44 | €510 |
| Income statement | ||
| Gross operating margin | 9900 | €-168 |
| Operating result | 9901 | €-3k |
| Financial charges | 65 | €30 |
| Result before taxes | 9903 | €-3k |
| Net result for the period | 9904 | €-3k |
| Result to be appropriated | 9905 | €-3k |
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Ratios computed by Checked.
Legal Structure
| NACE primary | Construction of buildings(41001) |
| Legal form | General partnership(011) |
| Incorporation | 19-09-2011 |
| Status | Active |
| Postal code | 4520 |
Establishment units
STYLAUMODE
since 20112.202.734.495
JM Concept
since 20162.253.597.733
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64069A0242/00L000 | Wallonia | 206 m² | 1 · 49 m² | 7.5 m · 2 fl. |
| 61072A0211/00T013 | Wallonia | 155 m² | 1 · 40 m² | 8.7 m · 3 fl. |
| 62108C0032/00F000 | Wallonia | 130 m² | 1 · 46 m² | 11.9 m · 3 fl. |
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
29-08-2025
NBB filing
Annual accounts filed
2024
30-09-2024
NBB filing
Annual accounts filed
Credit advice
AI due-diligence brief
Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE)
Activities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Overige sportactiviteiten, neg93199Handelsbemiddeling gespecialiseerd in andere goederen46180Handelsbemiddeling in de groothandel in andere specifieke goederen46180Detailhandel in damesbovenkleding in gespecialiseerde winkels47711Detailhandel in damesbovenkleding47711Detailhandel in kledingaccessoires in gespecialiseerde winkels47715Detailhandel in kledingaccessoires47715Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires in gespecialiseerde winkels (algemeen assortiment)47716Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)47716
Primary activity highlighted.
Names & trade names
| Legal nameFR | JM Concept |
Registered office
Rue Joseph Wauters(WAN) 97
4520 Wanze, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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