MJ CONCEPT
ActiveMJ CONCEPT has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €66k and a net result of €-10k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 56% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-100
Solvency100=
Growth48▼-16
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.06 against 8.88 in 2023), and 31.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
68.1%
Return on assets
-10.3%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-09-2025, 53 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
53 d late
2023
50 d late
2022
46 d late
2021
60 d late
2020
60 d late
2019
88 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€179k▲ 7.7%
2019 · €167k
2018: €175k
2019: €167k
2018 → 2020
EBIT margin
11.6%▲ 10.3pp
2019 · 1.3%
2018: -0.5%
2019: 1.3%
2018 → 2020
Net result
€-10k
2023 · €22k
2018: €-2k
2019: €2k
2020: €21k
2021: €16k
2022: €1k
2023: €22k
2018 → 2024
Working capital
€64k▼ 14.9%
2023 · €75k
2018: €8k
2019: €10k
2020: €34k
2021: €51k
2022: €52k
2023: €75k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€179k-
Equity€38k-€53k▲ 41.7%€55k▲ 2.8%€78k▲ 42.0%€66k▼ 14.8%
Operating result€21k-€16k▼ 24.7%€1k▼ 90.5%€22k▲ 1,348%€-4k
Net result€21k-€16k▼ 24.8%€1k▼ 90.5%€22k▲ 1,346%€-10k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €4k after €22k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €97k
Fixed assets
€2k▼ 10.0%
Current assets
€95k▲ 12.1%
Equity and liabilities €97k
Equity
€66k▼ 14.8%
Debt
€31k▲ 225%
The debt ratio rises from 11.0% to 31.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-4k
Cash flow
€-10k
Solvency
68.1%▼
2023 · 89.0%
Current ratio
3.06▼
2023 · 8.88
Quick ratio
3.06▼
2023 · 8.88
Debt / equity
0.47▲
2023 · 0.12
ROE
-15.1%▼
2023 · 27.7%
ROA
-10.3%▼
2023 · 24.7%
Interest coverage
-25.89
Debt
€31k▲
2023 · €10k
Debt ≤ 1 year
€31k▲
2023 · €10k
Income taxes
€6k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€87k€97k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€85k€95k▲
Amounts receivable within one year40/41€80k€60k▼
Trade receivables40€80k€59k▼
Other amounts receivable41-€950
Cash at bank and in hand54/58€5k€35k▲
Equity and liabilities
Total equity and liabilities10/49€87k€97k▲
Equity10/15€78k€66k▼
Contributions10/11€12k€12k=
Capital10€12k€12k=
Issued capital100€19k€19k=
Uncalled capital101€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€64k€52k▼
Amounts payable17/49€10k€31k▲
Amounts payable within one year42/48€10k€31k▲
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€8k-
Taxes450/3€8k-
Other amounts payable47/48-€30k
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€131k€157k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€236
Other operating charges640/8-€118
Gross operating margin9900€22k€-4k▼
Operating profit (loss)9901€22k€-4k▼
Financial income75/76B-€95
Recurring financial income75-€95
Financial charges65/66B€38€153▲
Recurring financial charges65€38€153▲
Profit (loss) for the period before taxes9903€22k€-4k▼
Income taxes67/77-€6k
Profit (loss) for the period9904€22k€-10k▼
Profit (loss) for the period to be appropriated9905€22k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€62k€52k▼
Profit (loss) brought forward from the previous period14P€41k€62k▲
Shareholders' contribution to the loss794€1k-
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 53 days late
2024
31-12
Financial
Weakest financial yearnet €-10k ▼146%
Net result drops to €-10k, the lowest in the series.
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
31-12
Financial
Highest result since 2018net €22k ▲1346%
Operating result €22k, net result €22k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 8.88
Current ratio from 2.40 to 8.88; short-term debt falls from €37k to €10k.
15-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 46 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 60 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 60 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 88 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Anderlecht · 1 establishment unit since 2001
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Bergense Steenweg 2591070 AnderlechtGround area
136 m²
Building footprint
117 m²
Volume, LiDAR
923 m³
Parcel 21304B0375/00E000, Brussels · tallest building 15.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Bergense Steenweg 259, 1070 Anderlecht
since 20012.098.530.464
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21304B0375/00E000 | Brussels | 136 m² | 1 · 117 m² | 15.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 16,811 companies in sector 62100 we hold annual accounts for 8,748. 6,894 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2001
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
47400Retail sale of information and communication equipment
47410Retail trade
52487
72400
77225Rental and leasing activities
77330Rental and leasing activities
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.