JLco
ActiveJLco has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €209k and a net result of €1k. Equity is shrinking by ~57.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 10% of 8092 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability33▼-17
Solvency30▲+30
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.12 against 1.17 in 2023; short-term debt: 82.9% and cash: 5.3% of total assets), and 94.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 8092 sector peers (2024).
NBB · sector comparisonPosition among 8092 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
16 d early
2022
29 d late
2021
31 d late
2020
36 d early
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€209k
2023 · €-143k
2018: €39k
2019: €27k
2020: €12k
2021: €-22k
2022: €-30k
2023: €-143k
2018 → 2024
Total assets
€3.97M▲ 7,752%
2023 · €51k
2018: €163k
2019: €228k
2020: €196k
2021: €175k
2022: €160k
2023: €51k
2018 → 2024
Net result
€1k
2023 · €-113k
2018: €14k
2019: €-12k
2020: €-15k
2021: €-33k
2022: €-8k
2023: €-113k
2018 → 2024
Working capital
€-2.90M
2023 · €7k
2018: €-40k
2019: €29k
2020: €14k
2021: €-26k
2022: €-6k
2023: €7k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€12k-€-22k€-30k▼ 36.8%€-143k▼ 382%€209k
Operating result€-12k-€-31k▼ 153%€-6k▲ 81.1%€15k€6k▼ 61.7%
Net result€-15k-€-33k▼ 125%€-8k▲ 76.2%€-113k▼ 1,321%€1k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 62% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.97M
Fixed assets
€3.58M▲ 262,570%
Current assets
€387k▲ 687%
Equity and liabilities €3.97M
Equity
€209k
Debt
€3.76M
Debt finances 94.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€7k▼
2023 · €16k
Cash flow
€3k▲
2023 · €-112k
Solvency
5.3%▲
2023 · -281.8%
Current ratio
0.12▼
2023 · 1.17
Quick ratio
0.12▼
2023 · 1.17
Debt / equity
18.01▲
2023 · -1.35
ROE
0.7%
ROA
0.0%▲
2023 · -223.4%
Interest coverage
1.75▼
2023 · 6.30
Debt
€3.76M▲
2023 · €193k
Debt ≤ 1 year
€3.29M▲
2023 · €42k
Debt > 1 year
€470k▲
2023 · €150k
Income taxes
€352▲
2023 · €246
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€51k€3.97M▲
Fixed assets21/28€1k€3.58M▲
Tangible fixed assets22/27€1k€16k▲
Plant, machinery and equipment23€1k€13k▲
Furniture and vehicles24€123€4k▲
Financial fixed assets28€0€3.57M▲
Current assets29/58€49k€387k▲
Amounts receivable within one year40/41€23k€176k▲
Trade receivables40€23k€26k▲
Other amounts receivable41€0€150k▲
Cash at bank and in hand54/58€22k€212k▲
Deferred charges and accrued income490/1€4k€0▼
Equity and liabilities
Total equity and liabilities10/49€51k€3.97M▲
Equity10/15€-143k€209k▲
Contributions10/11€25k€375k▲
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€0▼
Reserves not available under the articles1311€3k€0▼
Distributable reserves133-€3k
Profit (loss) carried forward14€-170k€-169k▲
Amounts payable17/49€193k€3.76M▲
Amounts payable after more than one year17€150k€470k▲
Financial debts170/4€150k€470k▲
Amounts payable within one year42/48€42k€3.29M▲
Current portion of amounts payable after more than one year42€0€50k▲
Trade debts44€6k€15k▲
Suppliers440/4€6k€15k▲
Advances received on contracts in progress46€21k€0▼
Taxes, remuneration and social security45€2k€12k▲
Taxes450/3€2k€12k▲
Other amounts payable47/48€13k€3.21M▲
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€668€2k▲
Gross operating margin9900€17k€9k▼
Operating profit (loss)9901€15k€6k▼
Financial income75/76B€0€81▲
Recurring financial income75€0€81▲
Financial charges65/66B€127k€4k▼
Recurring financial charges65€3k€4k▲
Non-recurring financial charges66B€125k€0▼
Profit (loss) for the period before taxes9903€-113k€2k▲
Income taxes67/77€246€352▲
Profit (loss) for the period9904€-113k€1k▲
Profit (loss) for the period to be appropriated9905€-113k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-170k€-169k▲
Profit (loss) brought forward from the previous period14P€-57k€-170k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after 5 loss-making years.
31-12
Financial
Equity above €200kEq €209k
Equity rises from €-143k to €209k.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-113k
Net result drops to €-113k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Liquidity times 15current ratio 1.87
Current ratio from 0.12 to 1.87; short-term debt falls from €45k to €33k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Kruisem · 1 establishment unit since 2017
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.
Koninginnestraat (Nok) 29771 KruisemGround area
3,848 m²
Building footprint
261 m²
Volume, LiDAR
1,185 m³
Parcel 45031A0987/00A000, Flanders · tallest building 10.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JLco
since 20172.270.052.002
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45031A0987/00A000 | Flanders | 3,848 m² | 1 · 261 m² | 10.2 m · 1 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.
Similar companies · same sector, comparable size
ONCE UPON A TIME...
BE 0876.383.023
Antwerpen · Eq €209k
IMBY
BE 0848.039.623
Leuven · Eq €209k
Tofinco
BE 0794.160.972
Zoersel · Eq €209k
Fish 2 Be
BE 0503.837.695
Dilsen-Stokkem · Eq €209k
VERLINC HR & INSURANCE CONSULTANCY
BE 0504.891.037
Schilde · Eq €209k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,689 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-09-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.