DEDERIX JACKY
ActiveDEDERIX JACKY has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €167k and a net result of €-4k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 81% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability67▼-17
Solvency100▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 4.06 against 3.74 in 2023; short-term debt: 20.7% and cash: 15.7% of total assets), and 24.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
75.6%
Return on assets
-1.7%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
26 d late
2022
30 d late
2021
92 d late
2020
31 d late
2019
98 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€167k▼ 6.8%
2023 · €179k
2018: €133k
2019: €138k
2020: €120k
2021: €125k
2022: €148k
2023: €179k
2018 → 2024
Total assets
€221k▼ 10.0%
2023 · €245k
2018: €187k
2019: €214k
2020: €192k
2021: €175k
2022: €215k
2023: €245k
2018 → 2024
Net result
€-4k
2023 · €31k
2018: €9k
2019: €5k
2020: €-19k
2021: €5k
2022: €23k
2023: €31k
2018 → 2024
Working capital
€139k▼ 4.2%
2023 · €145k
2018: €121k
2019: €117k
2020: €102k
2021: €100k
2022: €133k
2023: €145k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€120k-€125k▲ 4.1%€148k▲ 18.6%€179k▲ 20.8%€167k▼ 6.8%
Operating result€-17k-€5k€33k▲ 521%€46k▲ 41.3%€-525
Net result€-19k-€5k€23k▲ 367%€31k▲ 32.5%€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €525 after €46k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €221k
Fixed assets
€35k▼ 23.3%
Current assets
€185k▼ 6.8%
Equity and liabilities €221k
Equity
€167k▼ 6.8%
Debt
€54k▼ 18.5%
The debt ratio falls from 27.0% to 24.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€11k▼
2023 · €58k
Cash flow
€8k▼
2023 · €43k
Solvency
75.6%▲
2023 · 73.0%
Current ratio
4.06▲
2023 · 3.74
Quick ratio
3.86▲
2023 · 3.57
Debt / equity
0.32▼
2023 · 0.37
ROE
-2.2%▼
2023 · 17.2%
ROA
-1.7%▼
2023 · 12.6%
Interest coverage
7.81▼
2023 · 59.05
Debt
€54k▼
2023 · €66k
Debt ≤ 1 year
€46k▼
2023 · €53k
Debt > 1 year
€8k▼
2023 · €12k
Income taxes
€2k▼
2023 · €14k
Staff costs
€228k▼
2023 · €254k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€245k€221k▼
Fixed assets21/28€46k€35k▼
Intangible fixed assets21€363€64▼
Tangible fixed assets22/27€45k€34k▼
Plant, machinery and equipment23€187€81▼
Furniture and vehicles24€44k€34k▼
Other tangible fixed assets26€1k€851▼
Financial fixed assets28€942€942=
Current assets29/58€199k€185k▼
Stocks and contracts in progress3€9k€9k▲
Stocks30/36€9k€9k▲
Amounts receivable within one year40/41€116k€141k▲
Trade receivables40€109k€126k▲
Other amounts receivable41€8k€14k▲
Cash at bank and in hand54/58€72k€35k▼
Deferred charges and accrued income490/1€1k€755▼
Equity and liabilities
Total equity and liabilities10/49€245k€221k▼
Equity10/15€179k€167k▼
Contributions10/11€19k€19k=
Reserves13€160k€148k▼
Distributable reserves133€160k€148k▼
Amounts payable17/49€66k€54k▼
Amounts payable after more than one year17€12k€8k▼
Financial debts170/4€12k€8k▼
Amounts payable within one year42/48€53k€46k▼
Current portion of amounts payable after more than one year42€6k€5k▼
Trade debts44€22k€20k▼
Suppliers440/4€22k€20k▼
Taxes, remuneration and social security45€20k€12k▼
Taxes450/3€9k€9k▲
Remuneration and social security454/9€11k€3k▼
Other amounts payable47/48€5k€9k▲
Accrued charges and deferred income492/3€453€379▼
Income statement
Code20232024
Non-recurring operating income76A-€795
Remuneration, social security and pensions62€254k€228k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€315k€241k▼
Operating profit (loss)9901€46k€-525▼
Financial income75/76B-€562
Recurring financial income75-€562
Financial charges65/66B€986€1k▲
Recurring financial charges65€986€1k▲
Profit (loss) for the period before taxes9903€45k€-1k▼
Income taxes67/77€14k€2k▼
Profit (loss) for the period9904€31k€-4k▼
Profit (loss) for the period to be appropriated9905€31k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€-4k▼
Transfer from equity791/2-€12k
Transfer to equity691/2€31k-
To other reserves6921€31k-
Profit to be distributed694/7-€9k
Return on contributions (dividend)694-€9k
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Highest result since 2018net €31k ▲32.5%
Operating result €46k, net result €31k, both a record.
31-12
Financial
Equity above €150kEq €179k ▲20.8%
3 profitable years in a row build equity to €179k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-19k ▼443%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
18-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 49 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Soumagne · 1 establishment unit since 1990
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 Vaux(MEL) 24633 SoumagneGround area
1,264 m²
Building footprint
241 m²
Volume, LiDAR
1,674 m³
2 parcels, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Winston-Churchill 79, 4020 Liège
since 19902.050.307.707
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62069A0142/00G000 | Wallonia | 1,013 m² | 1 · 131 m² | 7.6 m · 2 fl. |
| 62020A0314/00G004 | Wallonia | 251 m² | 1 · 110 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
MoDeMo
BE 0536.272.913
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Floorconcept
BE 0508.599.506
Heist-op-den-Berg · Eq €169k
LE DECORATEUR MICHEL
BE 0417.152.755
Rebecq · Eq €172k
Decorative Floors
BE 0669.655.435
Binche · Eq €161k
INTERIEURBURO ANDRE VANDAMME
BE 0448.342.116
Kortrijk · Eq €174k
Of 914 companies in sector 43333 we hold annual accounts for 400. 323 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-1990
Fiscal year end31-12
Activities, NACEBEL
43333Wallpapering and laying of floor and wall coverings in other materials
43341Painting of buildings
45433
45441
43350Other building finishing work
82990Other business support services
85592Vocational training
85599Other education
85699Other educational support services
86904Human health activities
86909Human health activities
86931Psychology services
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jdederix@me.com
Phone:0475658098