JBC

Active

Public limited companyfounded 1986active for 40 yearsCentrum-Zuid 3401, 3530 Houthalen-Helchteren, Belgium14 active companies are registered at this addressKBO/BCE: BE 0429.340.608

Summary

The computed 12-month bankruptcy probability of JBC is 2.1% (moderate). The annual accounts of JBC for financial year 2026 show a net loss of 67% of the equity at the start of that year. The 2026 annual accounts show equity of €4.9m and a net result of -€9.8m. Equity is shrinking by about 16% per year across the filed financial years. Its solvency ranks better than 20% of 329 sector peers (NACE 47, financial year 2026). The company has been active since 1986 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

JBCActiveChecked score 51/100

Risk analysis Report Compare

Activity

Retail sale of clothing and accessories for women, men, children and babies (general range)

NACE 47716Wholesale of clothing, excluding workwear and underwear NACE 46423

Largest company by total assets in Houthalen-Helchteren, Wholesale and retail trade sector107 sites

Size

€136.2mturnover 2026

Staff: 136.1 FTE
Equity: €4.9m
Loss: -€9.8m

Financial health

51 Fair Checked score 2026

Bankruptcy probabilitywithin 12 months: 2.1%

Structure

Parent: CLAES RETAIL GROUP · 99.96%
Board: 7 members
Holdings: 3

AmlutimiManaging director · permanent representative Ann CLAES

Auditor: EY Bedrijfsrevisoren2026 accounts filed 29 days late

Why 51raises riskLoss of €9.8m, the second in a row (financial year 2026)Equity €4.9m (8.3% of total assets)Liquidity: current ratio 0.85, cash €2.0m, halvedSector: Retail trade (NACE 47)Show the evidence

Checked score

Score 2026

51 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 13% of its sector peers (NACE 47, medium-sized)

Every signal that counts is listed under Signals.

Financial strength · tick = 2025

Weak

Solvency 33-15

equity 8.3% of total assets

Liquidity 9-17

short-term debt 82.5% · cash 3.4%

Profitability 3-32

return on assets -16.8%

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (383 companies, NACE 47, medium-sized)

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025lowest value 04-2025: 0.2%● unchanged vs 03-2025lowest value 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.4%▲ +0.2 percentage points vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.5%▲ +0.1 percentage points vs 06-2026 08-2026: 0.4%▼ -0.1 percentage points vs 07-2026 09-2026: 0.8%▲ +0.4 percentage points vs 08-2026 10-2026: 2.1%▲ +1.3 percentage points vs 09-2026highest value

Credit of up to €240,000 on 30-day terms, only on tighter conditions

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity insufficient (current ratio 0.85, compared with 1.12 in 2025, below 1; short-term debt: 82.5% and cash: 3.4% of total assets), and 91.7% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, medium-sized): better than 22% on solvency, 12% on liquidity, 4% on profitability and 14% on growth.

The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Seven signals.

raises risk

Loss of €9.8m, the second in a row (financial year 2026)

NBB · annual accounts

Equity €4.9m (8.3% of total assets)

NBB · annual accounts

Liquidity: current ratio 0.85, cash €2.0m, halved

NBB · annual accounts

Sector: Retail trade (NACE 47)

KBO

Persistent losses

Two consecutive loss-making years (2025 and 2026); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2026

Net result per financial year

1920212223242526

2019 to 2026 · latest year -€9.8m

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 329 sector peers (2026).

NBB · sector comparison

Position among 329 sector peers

Solvency

better than 20%

← weakest strongest →

2026 accounts filed 29 days late

The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 29-09-2026, 29 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2026

29 days late

2025

24 days late

2024

51 days early

2023

26 days late

2022

61 days early

2021

21 days late

2020

26 days early

← 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 5 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. The company usually files around 24 September (4 of the last 5 filed years within 74 days of that day).

Companies Code · seven months

Where today falls in the filing period

27-10-2026 today31-01-2027 year end31-08-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

29-09-2026 Annual accounts filedfinancial year 2026 · full…
12-11-2025 Resignation: BV SUM (director)Gazette deed
09-10-2025 Appointment: Dipolaris BV (director)Permanent representative: Dorien Timmermans ·…

Key points

Risk: 4 loss-making years in a rowloss financial year 2026 -€9.8m View
Caution: Result fell in 2026from -€3.6m to -€9.8m ▼ 172% View
Caution: Among the weakest 5% on net resultsector median €72,524 · 326 companies -€9.8m View
Controlled by CLAES RETAIL GROUPknown shareholders 100% 99.96% View
Flemish supportawarded from 2022 to 2025 €61,019 View

By topic

Financials

Financial year: 2026
Turnover: €136.2m
Loss: -€9.8m
Solvency: 8.3%

Turnover▼ 5.0%

Net result

20192026

Go to Financials

Board & ownership

Board: 7 members
Parent: CLAES RETAIL GROUP · 99.96%
Known shareholders: 100%
Auditor: EY Bedrijfsrevisoren

AmlutimiManaging director
Bart ConnectManaging director
Cie.Director
JRDNSDirector
DiPolarisDirector

and 2 other directors

Go to Board & ownership

Network & group

Group: C.R.G NV
Subsidiaries: 3
Connected companies: 18

3 subsidiaries

Go to Network & group

Timeline

Events: 90
Since: 1987
Next accounts: by 31-08-2027

24-09-2025Annual accounts filed
07-07-2025Permanent representatives: Stefan Olivier and Olaf Janssen
09-12-2024Reappointment: EY Bedrijfsrevisoren (statutory auditor)

Go to Timeline

Company details

Sites: 107

Legal form: Public limited company
Activity: Retail sale of clothing and accessories for women…NACE 47716
Founded: 20-08-1986
Year ends: 31-01
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 1

Purpose: “De vennootschap heeft tot voorwerp: 1. de groot- en kleinhandel, import en export van de…” (deed in Dutch)

Go to Articles of association

Key facts about JBC

What is the company number of JBC?: 0429.340.608. In Belgium the VAT number is the company number with BE in front: BE 0429.340.608.
Where is JBC based?: The registered office is at Centrum-Zuid 3401, 3530 Houthalen-Helchteren.Company details
What does JBC do?: According to the KBO register, the main activity is retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716).
What is the legal form of JBC?: Public limited company (NV).
When was JBC founded?: On 20-08-1986.
Is JBC still active?: Yes, JBC is an active enterprise in the KBO register.
How many employees does JBC have?: On average 136.1 full-time equivalents in financial year 2026, according to the filed annual accounts.Financials
What is the turnover of JBC?: €136.2m in financial year 2026, according to the filed annual accounts.
Is JBC profitable?: In financial year 2026, JBC made a loss of €9.8m.
Where can I find the annual accounts of JBC?: JBC filed 54 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
When are the next annual accounts of JBC due?: By 31-08-2027, for financial year 2027.Timeline