Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 1 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 61 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
S.J. CONCEPT from Jalhay, company number BE0688971402, closed financial year 2025 with a result of € -24,584 after tax. For that financial year S.J. CONCEPT recorded a gross margin of € -3,040 and equity of € -14,453. Compared with financial year 2024, the result moved from € -14,606 to € -24,584. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ -14,453
▼ € 24,584 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -24,584
▼ 68 % more loss than in 2024
Profit after tax over the fiscal year.
€ 16,152
▲ € 15,497 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -26,853.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 3,293
▼ 49% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 19,892
▼ 95% vs 2024
€ 8,950 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 1,487
▼ 78% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 3,042
▲ 5% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 10,152 | € 7,595 | € 5,340 | € -3,040 | ▼ € 8,380 |
| Profit after taxes | € 2,925 | € -2,963 | € -14,606 | € -24,584 | ▼ € 9,978 |
| Equity | € 27,701 | € 24,737 | € 10,131 | € -14,453 | ▼ € 24,584 |
| Total debts | € 45,071 | € 59,033 | € 667,950 | € 42,685 | ▼ 94% |
| Cash | € 59,242 | € 24,323 | € 656 | € 16,152 | ▲ € 15,497 |
| Retained profit | € 15,301 | € 12,337 | € -2,269 | € -26,853 | ▼ € 24,584 |
| Bank debt | € 18,867 | € 34,613 | € 422,110 | € 19,892 | ▼ 95% |
| Balance sheet total | € 72,772 | € 83,771 | € 678,081 | € 28,232 | ▼ 96% |
Key figures of S.J. CONCEPT, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to S.J. CONCEPT?
What happened at S.J. CONCEPT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 24,584. filed late Source: NBB ↗
- Sébastien JACQUEMIN became a director. NBB
- New establishment in Jalhay. KBO
- Start of the company according to the CBE. KBO
In short
From € 2,925 profit in 2022 to € 24,584 loss in 2025.
Paid € 1,624 in corporate taxes since 2022.
Best year ever: 2022, with € 2,925 profit.
Management
Behind S.J. CONCEPT is Sébastien JACQUEMIN.
Directors
According to the 2025 annual accounts
Sébastien JACQUEMIN
Director
since 2024
Establishments
Establishment units
Physical locations of this company
Route de la Xhavée 29
4845 Jalhay
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0688.971.402
- VAT number
- BE 0688.971.402
- Registered office
- Route de la Xhavée 29, 4845 Jalhay
- Names & denominations
- S.J. CONCEPT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 January 2018
- Peppol
- Active · Active since 11 Dec 2025
- Activities · NACE
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