JONCK LUC
ActiveJONCK LUC has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €16k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 88% of 26784 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+46
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 6.25 against 8.47 in 2024), and 16% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
84%
Return on assets
16.9%
Age of the figures
8 mo
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 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
25 d late
2023
22 d late
2022
28 d late
2021
1 d late
2020
53 d early
2019
29 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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▲ 25.1%
2024 · €62k
2021: €52k
2022: €38k
2023: €56k
2024: €62k
2021 → 2025
Total assets
€93k▲ 31.4%
2024 · €71k
2021: €85k
2022: €72k
2023: €61k
2024: €71k
2021 → 2025
Net result
€16k▲ 131%
2024 · €7k
2021: €8k
2022: €-14k
2023: €18k
2024: €7k
2021 → 2025
Working capital
€78k▲ 25.1%
2024 · €62k
2021: €44k
2022: €49k
2023: €56k
2024: €62k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€38k▼ 27.4%€56k▲ 46.3%€62k▲ 12.2%€78k▲ 25.1%
Operating result€10k-€-12k€19k€10k▼ 48.2%€22k▲ 127%
Net result€8k-€-14k€18k€7k▼ 61.5%€16k▲ 131%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 127% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €93k
Equity
€78k▲ 25.1%
Debt
€15k▲ 78.1%
The debt ratio rises from 11.8% to 16.0%: debt grows faster than equity.
Key figures and ratios
Solvency
84.0%▼
2024 · 88.2%
Current ratio
6.25▼
2024 · 8.47
Quick ratio
6.25▼
2024 · 8.47
Debt / equity
0.19▲
2024 · 0.13
ROE
20.1%▲
2024 · 10.9%
ROA
16.9%▲
2024 · 9.6%
Debt
€15k▲
2024 · €8k
Debt ≤ 1 year
€15k▲
2024 · €8k
Income taxes
€6k▲
2024 · €3k
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
Total assets
20/58€71k€93k▲
Fixed assets
21/28€0-
Tangible fixed assets
22/27€0-
Current assets
29/58€71k€93k▲
Amounts receivable within one year
40/41€4k€9k▲
Cash & bank
54/58€66k€83k▲
Total equity & liabilities
10/49€71k€93k▲
Equity
10/15€62k€78k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€44k€59k▲
Amounts payable
17/49€8k€15k▲
Amounts payable within one year
42/48€8k€15k▲
Trade debts payable within one year
44€3k€2k▼
Income statement
Code20242025
Gross operating margin
9900€10k€22k▲
Operating result
9901€10k€22k▲
Financial income
75€1€120▲
Financial charges
65€296€107▼
Result before taxes
9903€9k€22k▲
Income taxes
67/77€3k€6k▲
Net result for the period
9904€7k€16k▲
Result to be appropriated
9905€7k€16k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-06
State Gazette act
Open capture
Board meeting · Seat change · Officer appointment · Act object
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 11.89
Current ratio from 5.51 to 11.89; short-term debt falls from €11k to €5k.
04-12
State Gazette act
Director changes
v3.2
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-14k ▼289%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-10
State Gazette act
Registered-office change
v3.2
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
JONCK Luc Christiaan Jeanne Ghislain
CurrentDirector · since 04-12-2023
04-12-2023
Mandate renewed as Director
Location & real-estate footprint
Registered office, Dilsen-Stokkem · 1 establishment unit since 2005
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.
Medaerstraat 73650 Dilsen-StokkemGround area
1,821 m²
Building footprint
1,105 m²
Volume, LiDAR
4,616 m³
2 parcels, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JONCK LUC
since 20052.147.378.674
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72032B0777/00X000 | Flanders | 1,635 m² | 1 · 1,001 m² | 6.2 m · 1 fl. |
| 73081B0576/00T000 | Flanders | 185 m² | 1 · 103 m² | 8.7 m · 1 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.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
B & A Projects
BE 0808.279.125
Wijnegem · Eq €78k
ISVAL
BE 0743.662.772
Drogenbos · Eq €78k
POLYWAL
BE 0462.873.508
Elsene · Eq €78k
VOEGWERKEN BERGHMAN M.
BE 0882.540.939
Torhout · Eq €78k
AllanaBati
BE 0649.643.642
Ganshoren · Eq €78k
Of 15,456 companies in sector 43990 we hold annual accounts for 7,276. 6,131 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2005
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
43110Demolition
45111
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-07-2026. Scores and ratios are computed by Checked and are not a credit decision.