NJM Concept
ActiveSummary
The computed 12-month bankruptcy probability of NJM Concept is 2.1% (moderate). The 2025 annual accounts show equity of €2,172 and a net result of -€3,828. Its solvency ranks better than 25% of 1,816 sector peers (NACE 77, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
2025 annual accounts filed late (54 days) Filed on 23 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00523626.
Turnover and EBIT margin not published: the micro format does not require them.
Peer companies
Historical observationOf the 280 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 95.7% are still going.
- Micro
- under 2 years old
- solvency under 10%
- a small loss
For this company itself Checked computes a higher bankruptcy probability: 2.1% 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 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 280 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.
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,178 |
| Other operating charges640/8 | €657 |
| Gross operating margin9900 | €7,595 |
| Operating profit (loss)9901 | -€241 |
| Financial income75/76B | €24 |
| Recurring financial income75 | €24 |
| Financial charges65/66B | €3,611 |
| Recurring financial charges65 | €3,611 |
| Profit (loss) for the period before taxes9903 | -€3,828 |
| Profit (loss) for the period9904 | -€3,828 |
| Profit (loss) for the period to be appropriated9905 | -€3,828 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €160,370 | |
| Fixed assets21/28 | €113,609 | |
| Intangible fixed assets21 | €108,476 | |
| Tangible fixed assets22/27 | €5,134 | |
| Plant, machinery and equipment23 | €5,134 | |
| Current assets29/58 | €46,761 | |
| Amounts receivable within one year40/41 | €18,466 | |
| Trade receivables40 | €17,125 | |
| Other amounts receivable41 | €1,341 | |
| Cash at bank and in hand54/58 | €27,844 | |
| Deferred charges and accrued income490/1 | €451 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €160,370 | |
| Equity10/15 | €2,172 | |
| Contributions10/11 | €6,000 | |
| Profit (loss) carried forward14 | -€3,828 | |
| Amounts payable17/49 | €158,198 | |
| Amounts payable after more than one year17 | €75,280 | |
| Financial debts170/4 | €75,280 | |
| Amounts payable within one year42/48 | €79,934 | |
| Current portion of amounts payable after more than one year42 | €20,228 | |
| Trade debts44 | €15,707 | |
| Suppliers440/4 | €15,707 | |
| Other amounts payable47/48 | €44,000 | |
| Accrued charges and deferred income492/3 | €2,984 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€3,828 |
| + Depreciation and write-downs630 | €7,178 |
| Operating cash flow (approximation) | €3,350 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 23-09-2026 | 2026-00523626 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.