JC CLAP
ActiveThe computed 12-month bankruptcy probability of JC CLAP is 1.9% (moderate). The 2025 annual accounts show equity of €94k and a net result of €-2k. Equity is growing by ~23% per year across the filed fiscal years. Its solvency ranks better than 90% of 13090 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▲+26
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 4.68 against 26.06 in 2024; short-term debt: 21% and cash: 52.9% of total assets), and 21% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 56
Relative position
BE, all sectors
reference
Sector 56
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-2k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
76 d early
2023
65 d early
2022
77 d early
2021
75 d early
2020
54 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€94k▼ 2.1%
2024 · €96k
2018: €5k
2019: €-6k
2020: €16k
2021: €63k
2022: €132k
2023: €108k
2024: €96k
2018 → 2025
Total assets
€119k▲ 19.3%
2024 · €100k
2018: €45k
2019: €68k
2020: €55k
2021: €100k
2022: €211k
2023: €119k
2024: €100k
2018 → 2025
Net result
€-2k▲ 83.6%
2024 · €-12k
2018: €-6k
2019: €-10k
2020: €22k
2021: €18k
2022: €69k
2023: €-24k
2024: €-12k
2018 → 2025
Working capital
€92k▼ 2.9%
2024 · €95k
2018: €1k
2019: €-22k
2020: €3k
2021: €53k
2022: €123k
2023: €107k
2024: €95k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€132k▲ 111%€108k▼ 18.3%€96k▼ 11.3%€94k▼ 2.1%
Operating result€23k-€106k▲ 358%€-28k€-12k▲ 58.7%€-2k▲ 86.8%
Net result€18k-€69k▲ 296%€-24k€-12k▲ 49.5%€-2k▲ 83.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €12k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€2k▲ 61.2%
Current assets
€117k▲ 18.8%
Equity and liabilities €119k
Equity
€94k▼ 2.1%
Debt
€25k▲ 561%
The debt ratio rises from 3.8% to 21.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
79.0%▼
2024 · 96.2%
Current ratio
4.68▼
2024 · 26.06
Quick ratio
4.40▼
2024 · 26.06
Debt / equity
0.27▲
2024 · 0.04
ROE
-2.1%▲
2024 · -12.8%
ROA
-1.7%▲
2024 · -12.3%
Debt
€25k▲
2024 · €4k
Debt ≤ 1 year
€25k▲
2024 · €4k
Income taxes
€44▼
2024 · €79
Staff costs
€65k▲
2024 · €10k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€100k€119k▲
Fixed assets21/28€1k€2k▲
Financial fixed assets28€1k€2k▲
Current assets29/58€98k€117k▲
Stocks and contracts in progress3-€7k
Stocks30/36-€7k
Amounts receivable within one year40/41€44k€45k▲
Trade receivables40€7k€6k▼
Other amounts receivable41€36k€39k▲
Cash at bank and in hand54/58€54k€63k▲
Deferred charges and accrued income490/1€436€2k▲
Equity and liabilities
Total equity and liabilities10/49€100k€119k▲
Equity10/15€96k€94k▼
Contributions10/11€15k€15k=
Reserves13€97k€97k=
Distributable reserves133€97k€97k=
Profit (loss) carried forward14€-16k€-18k▼
Amounts payable17/49€4k€25k▲
Amounts payable within one year42/48€4k€25k▲
Trade debts44-€5k
Suppliers440/4-€5k
Taxes, remuneration and social security45€4k€20k▲
Taxes450/3€4k€10k▲
Remuneration and social security454/9-€10k
Income statement
Code20242025
Remuneration, social security and pensions62€10k€65k▲
Other operating charges640/8€618€3k▲
Gross operating margin9900€-1k€66k▲
Operating profit (loss)9901€-12k€-2k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€511€427▼
Recurring financial charges65€511€427▼
Profit (loss) for the period before taxes9903€-12k€-2k▲
Income taxes67/77€79€44▼
Profit (loss) for the period9904€-12k€-2k▲
Profit (loss) for the period to be appropriated9905€-12k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-18k▼
Profit (loss) brought forward from the previous period14P€-4k€-16k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 26.06
Current ratio from 10.45 to 26.06; short-term debt falls from €11k to €4k.
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-24k ▼135%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 10.45
Current ratio from 2.66 to 10.45; short-term debt falls from €74k to €11k.
15-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €69k ▲296%
Operating result €106k, net result €69k, both a record.
31-12
Financial
Equity above €100kEq €132k ▲111%
3 profitable years in a row build equity to €132k.
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 2.69
Current ratio from 1.07 to 2.69; short-term debt falls from €38k to €31k.
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €22k
Net result €22k after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hamoir · 1 establishment unit since 2014
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 Néblon 14180 HamoirGround area
247 m²
Building footprint
29 m²
Volume, LiDAR
197 m³
2 parcels, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Carré
since 20142.236.571.164
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83008B0089/00X000 | Wallonia | 211 m² | - | - |
| 61024A0199/00A004 | Wallonia | 36 m² | 1 · 29 m² | 9.3 m · 2 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.
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Le Napoléon
BE 0461.043.968
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V & J
BE 0477.475.570
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Of 14,028 companies in sector 56301 we hold annual accounts for 4,894. 3,746 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-07-2014
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.