Conception JM
ActiveThe computed 12-month bankruptcy probability of Conception JM is 1.8% (moderate). The 2025 annual accounts show equity of €8k and a net result of €5k. Its solvency ranks better than 29% of 7687 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability100
Solvency30
Growth-
Stability67
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.41), and 72.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 1 filingDeviation from the deadline
2025
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€8k
Total assets
€29k
Net result
€5k
Working capital
€-12k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €29k
Fixed assets
€20k
Current assets
€9k
Equity and liabilities €29k
Equity
€8k
Debt
€21k
Debt finances 72.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€6k
Cash flow
€5k
Solvency
27.1%
Current ratio
0.41
Quick ratio
0.41
Debt / equity
2.70
ROE
61.7%
ROA
16.7%
Interest coverage
56.20
Debt
€21k
Debt ≤ 1 year
€21k
Income taxes
€871
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€29k
Fixed assets21/28€20k
Tangible fixed assets22/27€20k
Plant, machinery and equipment23€647
Furniture and vehicles24€5k
Other tangible fixed assets26€15k
Current assets29/58€9k
Amounts receivable within one year40/41€7k
Trade receivables40€5k
Other amounts receivable41€2k
Cash at bank and in hand54/58€2k
Deferred charges and accrued income490/1€325
Equity and liabilities
Total equity and liabilities10/49€29k
Equity10/15€8k
Contributions10/11€3k
Profit (loss) carried forward14€5k
Amounts payable17/49€21k
Amounts payable within one year42/48€21k
Trade debts44€16k
Suppliers440/4€16k
Taxes, remuneration and social security45€4k
Taxes450/3€4k
Other amounts payable47/48€1k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€417
Other operating charges640/8€178
Gross operating margin9900€6k
Operating profit (loss)9901€6k
Financial income75/76B€78
Recurring financial income75€78
Financial charges65/66B€109
Recurring financial charges65€109
Profit (loss) for the period before taxes9903€6k
Income taxes67/77€871
Profit (loss) for the period9904€5k
Profit (loss) for the period to be appropriated9905€5k
Appropriation of the result
Profit (loss) to be appropriated9906€5k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
NBB filing
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, Mettet · 1 establishment unit since 2025
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.
Rue du Bâtiment, St-Gérard 255640 MettetGround area
1,333 m²
Building footprint
132 m²
Parcel 92104D0047/00T000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Conception JM
since 20252.369.034.265
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92104D0047/00T000 | Wallonia | 1,333 m² | 1 · 132 m² | - |
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.
Similar companies · same sector, comparable size
CHAUFFAGE & O
BE 0787.641.186
Soignies · Eq €8k
DEMOINY Raphaël
BE 0803.976.976
Villers-la-Ville · Eq €8k
T.K.C TECHNIQS
BE 0798.915.457
Genk · Eq €8k
GL Installation
BE 1007.188.810
Maaseik · Eq €8k
Azon Group
BE 0801.994.713
Heusden-Zolder · Eq €8k
Of 22,729 companies in sector 43211 we hold annual accounts for 10,273. 4,808 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2025
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
33140Repair and maintenance of electrical equipment
43212Electrical installation work in industrial facilities
43222Installation of electric heating, air conditioning, cooling and ventilation
43240Other construction installation
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.