JACLI
ActiveJACLI has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €74k and a net result of €-17k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 6537 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability65▲+55
Solvency39▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.62 against 0.75 in 2023; short-term debt: 82.9% and cash: 0.8% of total assets), and 86% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
14%
Return on assets
-3.2%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-17k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
61 d late
2023
78 d late
2022
4 d late
2021
55 d early
2020
59 d late
2019
82 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-17k▲ 68.7%
2023 · €-54k
2018: €22k
2019: €-27k
2020: €-14k
2021: €43k
2022: €117k
2023: €-54k
2018 → 2024
Working capital
€-169k▼ 3.5%
2023 · €-163k
2018: €-293k
2019: €-424k
2020: €-410k
2021: €110k
2022: €-4k
2023: €-163k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-16k-€27k€145k▲ 434%€91k▼ 37.1%€74k▼ 18.5%
Operating result€-19k-€63k€109k▲ 73.2%€-67k€-17k▲ 74.4%
Net result€-14k-€43k€117k▲ 174%€-54k€-17k▲ 68.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €17k in 2024 against €67k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €530k
Fixed assets
€259k▼ 5.5%
Current assets
€271k▼ 45.5%
Equity and liabilities €530k
Equity
€74k▼ 18.5%
Provisions
€16k▼ 19.1%
Debt
€439k▼ 33.4%
The debt ratio falls from 85.6% to 82.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€20k▲
2023 · €-33k
Cash flow
€20k▲
2023 · €-20k
Solvency
14.0%▲
2023 · 11.8%
Current ratio
0.62▼
2023 · 0.75
Quick ratio
0.35▼
2023 · 0.52
Debt / equity
5.93▼
2023 · 7.26
ROE
-22.7%▲
2023 · -59.1%
ROA
-3.2%▲
2023 · -7.0%
Interest coverage
7.08▲
2023 · -12.77
Debt
€439k▼
2023 · €660k
Debt ≤ 1 year
€439k▼
2023 · €660k
Income taxes
€1k▼
2023 · €2k
Staff costs
€132k▼
2023 · €154k
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€771k€530k▼
Fixed assets21/28€274k€259k▼
Tangible fixed assets22/27€264k€249k▼
Land and buildings22€236k€234k▼
Plant, machinery and equipment23€1k€912▼
Furniture and vehicles24€26k€14k▼
Financial fixed assets28€10k€10k=
Current assets29/58€497k€271k▼
Stocks and contracts in progress3€152k€119k▼
Stocks30/36€152k€119k▼
Amounts receivable within one year40/41€236k€141k▼
Trade receivables40€215k€136k▼
Other amounts receivable41€21k€5k▼
Current investments50/53€75k€0▼
Cash at bank and in hand54/58€26k€4k▼
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€771k€530k▼
Equity10/15€91k€74k▼
Contributions10/11€382k€382k=
Capital10€382k€382k=
Issued capital100€382k€382k=
Reserves13€47k€40k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€41k€34k▼
Profit (loss) carried forward14€-338k€-347k▼
Provisions and deferred taxes16€20k€16k▼
Deferred taxes168€20k€16k▼
Amounts payable17/49€660k€439k▼
Amounts payable within one year42/48€660k€439k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€93k€19k▼
Suppliers440/4€93k€19k▼
Advances received on contracts in progress46€465€0▼
Taxes, remuneration and social security45€55k€37k▼
Taxes450/3€28k€16k▼
Remuneration and social security454/9€26k€21k▼
Other amounts payable47/48€512k€383k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Non-recurring operating income76A€2k€216▼
Remuneration, social security and pensions62€154k€132k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€37k▲
Other operating charges640/8€13k€11k▼
Non-recurring operating charges66A€54k€844▼
Gross operating margin9900€188k€163k▼
Operating profit (loss)9901€-67k€-17k▲
Financial income75/76B€9k€556▼
Recurring financial income75€765€556▼
Non-recurring financial income76B€8k€0▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€-61k€-19k▲
Transfer from deferred taxes780€8k€4k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€-54k€-17k▲
Transfer from tax-exempt reserves789€17k€8k▼
Profit (loss) for the period to be appropriated9905€-37k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-338k€-347k▼
Profit (loss) brought forward from the previous period14P€-301k€-338k▼
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 61 days late
2024
17-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 78 days late
2023
31-12
Financial
Weakest financial yearnet €-54k ▼146%
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
31-12
Financial
Highest result since 2018net €117k ▲174%
Operating result €109k, net result €117k, both a record.
31-12
Financial
Equity above €100kEq €145k ▲434%
2 profitable years in a row build equity to €145k.
06-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €43k
Net result €43k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 1.15
Current ratio from 0.27 to 1.15.
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
2020
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 82 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
07-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Rochefort · 1 establishment unit since 1976
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 de France 175580 RochefortGround area
253 m²
Building footprint
153 m²
Parcel 91114A1540/00Y003, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de France 17, 5580 Rochefort
since 19762.013.533.720
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91114A1540/00Y003 | Wallonia | 253 m² | 1 · 153 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
LIBRAIRIE DE LA SAMBRE
BE 0896.168.449
Thuin · Eq €74k
KANTORO
BE 0479.894.038
Tienen · Eq €74k
Librairie Ma Campagne
BE 0505.834.709
Sint-Gillis (bij-Brussel) · Eq €74k
LIBRAIRIE DE LEFFE
BE 0478.451.015
Houyet · Eq €74k
Boekenhuisje
BE 0652.890.667
Heist-op-den-Berg · Eq €74k
Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 1,103 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-07-1976
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
52470
52487
46492Wholesale trade
51475
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:annick@jacli.be