JOUCK-BILL
ActiveJOUCK-BILL has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €500k and a net result of €-6k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 83% of 1292 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability57▼-20
Solvency90▼-9
Growth49▼-27
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.46 against 1.56 in 2023; short-term debt: 29.3% and cash: 15.5% of total assets), and 34.6% 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 41
Relative position
BE, all sectors
reference
Sector 41
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
65.4%
Return on assets
-0.8%
Age of the figures
20 mo
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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
23 d late
2022
22 d late
2021
31 d late
2020
30 d late
2019
60 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€1.04M▼ 26.6%
2022 · €1.41M
2018: €906k
2019: €1.09M
2020: €1.01M
2021: €1.06M
2022: €1.41M
2018 → 2024
EBIT margin
-0.9%▼ 2.8pp
2022 · 1.8%
2018: 5.1%
2019: 5.2%
2020: 6.3%
2021: 0.9%
2022: 1.8%
2018 → 2024
Net result
€-6k
2023 · €45k
2018: €40k
2019: €59k
2020: €57k
2021: €7k
2022: €25k
2023: €45k
2018 → 2024
Working capital
€103k▲ 18.4%
2023 · €87k
2018: €71k
2019: €44k
2020: €24k
2021: €-34k
2022: €9k
2023: €87k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€1.01M-€1.06M▲ 5.0%€1.41M▲ 33.0%€1.04M
Equity€428k-€434k▲ 1.4%€464k▲ 7.0%€507k▲ 9.3%€500k▼ 1.4%
Operating result€64k-€9k▼ 85.8%€26k▲ 183%€60k▲ 135%€-10k
Net result€57k-€7k▼ 87.4%€25k▲ 241%€45k▲ 81.7%€-6k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €10k after €60k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €765k
Fixed assets
€438k▼ 0.5%
Current assets
€327k▲ 34.1%
Equity and liabilities €765k
Equity
€500k▼ 1.4%
Debt
€265k▲ 49.7%
The debt ratio rises from 25.9% to 34.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€39k▼
2023 · €114k
Cash flow
€43k▼
2023 · €98k
Solvency
65.4%▼
2023 · 74.1%
Current ratio
1.46▼
2023 · 1.56
Quick ratio
0.64▼
2023 · 0.91
Debt / equity
0.53▲
2023 · 0.35
ROE
-1.2%▼
2023 · 8.8%
ROA
-0.8%▼
2023 · 6.5%
Interest coverage
13.67▼
2023 · 13.85
Debt
€265k▲
2023 · €177k
Debt ≤ 1 year
€224k▲
2023 · €157k
Debt > 1 year
€37k▲
2023 · €17k
Income taxes
€183▼
2023 · €18k
Staff costs
€235k▲
2023 · €204k
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€684k€765k▲
Fixed assets21/28€440k€438k▼
Tangible fixed assets22/27€440k€438k▼
Land and buildings22€309k€288k▼
Plant, machinery and equipment23€91k€77k▼
Furniture and vehicles24€40k€73k▲
Leasing and similar rights25€0€0=
Current assets29/58€244k€327k▲
Stocks and contracts in progress3€101k€183k▲
Stocks30/36€28k€13k▼
Contracts in progress37€73k€170k▲
Amounts receivable within one year40/41€87k€15k▼
Trade receivables40€86k€10k▼
Other amounts receivable41€859€6k▲
Cash at bank and in hand54/58€46k€119k▲
Deferred charges and accrued income490/1€10k€9k▼
Equity and liabilities
Total equity and liabilities10/49€684k€765k▲
Equity10/15€507k€500k▼
Contributions10/11€19k€20k▲
Reserves13€180k€178k▼
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Tax-exempt reserves132€133k€133k=
Distributable reserves133€45k€45k=
Profit (loss) carried forward14€295k€289k▼
Investment grants15€13k€12k▼
Amounts payable17/49€177k€265k▲
Amounts payable after more than one year17€17k€37k▲
Financial debts170/4€17k€37k▲
Amounts payable within one year42/48€157k€224k▲
Current portion of amounts payable after more than one year42€11k€19k▲
Trade debts44€61k€108k▲
Suppliers440/4€61k€108k▲
Taxes, remuneration and social security45€41k€78k▲
Taxes450/3€27k€62k▲
Remuneration and social security454/9€15k€16k▲
Other amounts payable47/48€44k€19k▼
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20232024
Turnover70-€1.04M
Goods, raw materials, services and sundry goods60/61-€880k
Remuneration, social security and pensions62€204k€235k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€49k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€58€664▲
Gross operating margin9900€320k€277k▼
Operating profit (loss)9901€60k€-10k▼
Financial income75/76B€11k€7k▼
Recurring financial income75€11k€7k▼
Financial charges65/66B€8k€3k▼
Recurring financial charges65€8k€3k▼
Profit (loss) for the period before taxes9903€63k€-6k▼
Income taxes67/77€18k€183▼
Profit (loss) for the period9904€45k€-6k▼
Profit (loss) for the period to be appropriated9905€45k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€340k€289k▼
Profit (loss) brought forward from the previous period14P€295k€295k=
Transfer to equity691/2€45k€0▼
To other reserves6921€45k€0▼
Social balance
Average headcount (FTE)90875.66.2▲
The notes to these accounts (9 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 · full schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-6k ▼113%
Net result drops to €-6k, the lowest in the series.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 23 days late
2023
31-12
Financial
Equity above €500kEq €507k ▲9.3%
6 profitable years in a row build equity to €507k.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 22 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 60 days late
2019
31-12
Financial
Highest result since 2018net €59k ▲47%
Net result €59k, the highest in the series.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 2 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 4 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 25 days late
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, Amel · 1 establishment unit since 1991
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.
Halenfeld,Auf dem Hütel 204770 Amel1 establishment unit
Jouck-Bill
since 19912.053.436.055
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ALGEMENE BOUWONDERNEMING CUPPENS
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CONSTRIKT
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ALTURA ACCESS
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 9,221 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-1989
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
41002Construction of residential and non-residential buildings
43120Site preparation
43910Bricklaying and masonry work
43992Specialised construction activities
43994Specialised construction activities
52250Logistics services
52290Warehousing and support activities for transportation
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filings
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.