Financials
- Financial year
- 2025
- Total assets
- €70,349
- Loss
- -€6,904
- Solvency
- 39.6%
Total assets▲ 36.5%
Net result
20212025
N & J CONCEPT
ActiveSummary
N & J CONCEPT has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27,855 and a net result of -€6,904. Equity is growing by about 46% per year across the filed financial years. Its solvency ranks better than 42% of 34,718 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Overview
Activity
Other specialised construction activities
NACE 43990
1 site
Size
€70,349total assets 2025
- Equity
- €27,855
- Loss
- -€6,904
Turnover not published (micro format)
Structure
2025 accounts filed 31 days late1 deed in the Belgian Official Gazette
Why 62raises riskLast filed accounts filed 31 days late; 1 of the last 3 lateFounded in 2021Sector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 1.40, cash €12,471Show the evidence
Checked score
Score 2025
62
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 26% of its sector peers (NACE 43, micro)
Financial strength · tick = 2024
Weak
Solvency
65-27
equity 39.6% of total assets
Liquidity
41-36
short-term debt 60.4% · cash 17.7%
Profitability
25-75
return on assets -9.8%
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 24 months
11-2024: 0.7%
12-2024: 0.7%● unchanged vs 11-2024
01-2025: 0.7%● unchanged vs 12-2024
02-2025: 0.7%● unchanged vs 01-2025lowest value
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 0.7%● unchanged vs 03-2025
05-2025: 0.7%● unchanged vs 04-2025
06-2025: 0.8%▲ +0.1 percentage points vs 05-2025
07-2025: 0.8%● unchanged vs 06-2025
08-2025: 0.7%▼ -0.1 percentage points vs 07-2025
09-2025: 0.7%● unchanged vs 08-2025
10-2025: 0.7%● unchanged vs 09-2025
11-2025: 0.7%● unchanged vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.8%▲ +0.1 percentage points vs 04-2026
06-2026: 0.8%● unchanged vs 05-2026
07-2026: 0.8%● unchanged vs 06-2026
08-2026: 1.3%▲ +0.5 percentage points vs 07-2026
09-2026: 1.4%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 1.4%● unchanged vs 09-2026highest value
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity tight (current ratio 1.4, compared with 3.26 in 2024, below the usual 1.5; short-term debt: 60.4% and cash: 17.7% of total assets), and 60.4% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 42% on solvency, 30% on liquidity, 15% on profitability and 18% on growth.
The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
31 days late
2024
29 days early
2023
29 days late
2022
59 days late
2021
10 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 16 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 August (4 of the last 5 filed years within 40 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
26-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Weakest financial yearnet -€6,904
- Annual accounts filedfinancial year 2024 · micro…
Key points
By topic
Timeline
- Events
- 9
- Since
- 2022
- Next accounts
- by 31-07-2027
- 29-08-2024Annual accounts filed
- 31-12-2023Highest result from 2021 to 2025
- 31-12-2023Liquidity more than doubled
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other specialised construction activitiesNACE 43990
- Founded
- 16-02-2021
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Key facts about N & J CONCEPT
- What is the company number of N & J CONCEPT?
- 0763.680.703. In Belgium the VAT number is the company number with BE in front: BE 0763.680.703.
- Where is N & J CONCEPT based?
- The registered office is at Alsembergsesteenweg 751, 1653 Beersel.Company details
- What does N & J CONCEPT do?
- According to the KBO register, the main activity is other specialised construction activities (NACE 43990).
- What is the legal form of N & J CONCEPT?
- Private limited company (BV).
- When was N & J CONCEPT founded?
- On 16-02-2021.
- Is N & J CONCEPT still active?
- Yes, N & J CONCEPT is an active enterprise in the KBO register.
- What is the turnover of N & J CONCEPT?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
- Is N & J CONCEPT profitable?
- In financial year 2025, N & J CONCEPT made a loss of €6,904.
- Where can I find the annual accounts of N & J CONCEPT?
- N & J CONCEPT filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of N & J CONCEPT due?
- By 31-07-2027, for financial year 2026.Timeline
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