Financials
- Fiscal year
- 2025
- Total assets
- €33,796
- Profit
- €4,319
- Solvency
- 74.3%
Total assets▲ 18.6%
Net result
20192025
SJ Concept
ActiveSummary
SJ Concept has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25,114 and a net result of €4,319. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 79% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Overview
What they do
Plastering work
NACE 43310
1 site
How big
€33,796total assets 2025
- Equity
- €25,114
- Profit
- €4,319
Turnover not published (abridged schema)
Who decides
Accounts filed 26 d late0 of 3 deeds read
Why 70- Higher-failure-rate sectorFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability69▼-31
Solvency99▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 3.89 against 3.7 in 2024; short-term debt: 25.7% and cash: 0.4% of total assets), and 25.7% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 26 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 · 8 filingsDeviation from the deadline
2025
26 d late
2024
181 d late
2023
21 d late
2022
16 d late
2021
on the day
2020
2 d early
2019
on the day
← 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 35 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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. Usually files around 21 February (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close02-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Highest result since 2019net €10,640 ▲201%
Key points
By topic
Timeline
- Events
- 10
- Since
- 2019
- Next accounts
- by 31-01-2027
- 26-02-2026Annual accounts filed
- 31-07-2025Annual accounts filed
- 30-06-2024Highest result since 2019
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Plastering workNACE 43310
- Founded
- 08-06-2017
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.