JCD
ActiveJCD has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €337k and a net result of €21k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 27% of 7446 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability60▲+10
Solvency51▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.14 in 2023; short-term debt: 33.3% and cash: 3.3% of total assets), and 74.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-08-2025, 21 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
21 d late
2023
64 d late
2022
7 d early
2021
32 d early
2020
16 d early
2019
17 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€337k▲ 6.6%
2023 · €316k
2018: €142k
2019: €124k
2020: €155k
2021: €225k
2022: €320k
2023: €316k
2018 → 2024
Total assets
€1.30M▼ 6.8%
2023 · €1.40M
2018: €643k
2019: €639k
2020: €1.35M
2021: €1.35M
2022: €1.71M
2023: €1.40M
2018 → 2024
Net result
€21k
2023 · €-3k
2018: €49k
2019: €-31k
2020: €31k
2021: €70k
2022: €94k
2023: €-3k
2018 → 2024
Working capital
€35k▼ 46.5%
2023 · €66k
2018: €141k
2019: €-8k
2020: €-64k
2021: €-18k
2022: €239k
2023: €66k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€155k-€225k▲ 45.3%€320k▲ 41.9%€316k▼ 1.0%€337k▲ 6.6%
Operating result€49k-€90k▲ 84.7%€117k▲ 30.0%€24k▼ 79.6%€56k▲ 137%
Net result€31k-€70k▲ 126%€94k▲ 34.3%€-3k€21k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 137% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.30M
Fixed assets
€832k▼ 3.3%
Current assets
€468k▼ 12.5%
Equity and liabilities €1.30M
Equity
€337k▲ 6.6%
Provisions
€18k▼ 3.1%
Debt
€945k▼ 10.9%
The debt ratio falls from 76.0% to 72.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€128k▲
2023 · €97k
Cash flow
€93k▲
2023 · €70k
Solvency
25.9%▲
2023 · 22.6%
Current ratio
1.08▼
2023 · 1.14
Quick ratio
0.95▲
2023 · 0.82
Debt / equity
2.80▼
2023 · 3.36
ROE
6.2%▲
2023 · -1.0%
ROA
1.6%▲
2023 · -0.2%
Interest coverage
4.70▲
2023 · 3.73
Debt
€945k▼
2023 · €1.06M
Debt ≤ 1 year
€433k▼
2023 · €469k
Debt > 1 year
€512k▼
2023 · €546k
Income taxes
€9k▲
2023 · €1k
Staff costs
€398k▲
2023 · €331k
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€1.40M€1.30M▼
Fixed assets21/28€861k€832k▼
Tangible fixed assets22/27€854k€825k▼
Land and buildings22€781k€738k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€18k€46k▲
Leasing and similar rights25€49k€37k▼
Financial fixed assets28€7k€7k=
Current assets29/58€535k€468k▼
Stocks and contracts in progress3€151k€56k▼
Stocks30/36€96k€31k▼
Contracts in progress37€54k€25k▼
Amounts receivable within one year40/41€270k€367k▲
Trade receivables40€245k€351k▲
Other amounts receivable41€25k€17k▼
Cash at bank and in hand54/58€103k€43k▼
Deferred charges and accrued income490/1€12k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.40M€1.30M▼
Equity10/15€316k€337k▲
Contributions10/11€19k€19k=
Reserves13€298k€319k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€298k€319k▲
Provisions and deferred taxes16€19k€18k▼
Provisions for liabilities and charges160/5€19k€18k▼
Other liabilities and charges164/5€19k€18k▼
Amounts payable17/49€1.06M€945k▼
Amounts payable after more than one year17€546k€512k▼
Financial debts170/4€530k€498k▼
Other amounts payable178/9€17k€15k▼
Amounts payable within one year42/48€469k€433k▼
Current portion of amounts payable after more than one year42€66k€66k▼
Financial debts43€200k€200k=
Credit institutions430/8€200k€200k=
Trade debts44€189k€148k▼
Suppliers440/4€189k€148k▼
Taxes, remuneration and social security45€14k€19k▲
Taxes450/3€2k€9k▲
Remuneration and social security454/9€12k€10k▼
Accrued charges and deferred income492/3€46k€0▼
Income statement
Code20232024
Non-recurring operating income76A€3k€15k▲
Remuneration, social security and pensions62€331k€398k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€72k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-2k€-592▲
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€430k€530k▲
Operating profit (loss)9901€24k€56k▲
Financial income75/76B€291€169▼
Recurring financial income75€291€169▼
Financial charges65/66B€26k€27k▲
Recurring financial charges65€26k€27k▲
Profit (loss) for the period before taxes9903€-2k€29k▲
Income taxes67/77€1k€9k▲
Profit (loss) for the period9904€-3k€21k▲
Profit (loss) for the period to be appropriated9905€-3k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€21k▲
Transfer from equity791/2€3k€0▼
Transfer to equity691/2€0€21k▲
To other reserves6921€0€21k▲
Social balance
Average headcount (FTE)90875.76.9▲
The notes to these accounts (22 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 21 days late
2024
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 64 days late
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €94k ▲34.3%
Operating result €117k, net result €94k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200kEq €225k ▲45.3%
2 profitable years in a row build equity to €225k.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
31-12
Financial
Equity above €150kEq €155k ▲25.1%
Equity rises from €124k to €155k.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-31k ▼163%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Hechtel-Eksel · 1 establishment unit since 2015
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.
Mettenberg 93940 Hechtel-EkselGround area
2,899 m²
Building footprint
1,142 m²
Volume, LiDAR
6,454 m³
Parcel 72006D0672/00A000, Flanders · tallest building 20.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JCD
since 20152.248.087.440
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72006D0672/00A000 | Flanders | 2,899 m² | 1 · 1,142 m² | 20.1 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 4 entries · 4,345 EUR awarded · 4,378 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 267 EUR |
| 2023 | 1 | 517 EUR | 283 EUR |
| 2022 | 2 | 3,828 EUR | 3,828 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
3 categoriesJCD BV36769
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KOEN LAMBRECHTS
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OMNI - DAK
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,358. 3,237 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2015
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43230Insulation installation
43291Specialised construction activities
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jan@jcdakwerken.be
Phone:0472 34 41 36