JOUCK-BILL
ActiveSummary
JOUCK-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 1290 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
Five 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
21 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 →
Checked, nothing found (1)
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%
Debt's share of the balance-sheet total 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
Current ratio
1.46▼
2023 · 1.56
Quick ratio
0.64▼
2023 · 0.91
Debt to 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 ≤ 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 to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 59 lines
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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Chris Frodure Bouwt
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ALGEMENE BOUWONDERNEMING CUPPENS
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CONSTRIKT
BE 0800.991.950
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ALTURA ACCESS
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Vielsalm · Eq €500,678
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 9,237 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-1989
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43990Other specialised construction activities
41002Construction of residential and non-residential buildings
43120Site preparation
43910Bricklaying and masonry work
52250Logistics services
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filings
Scores and ratios are computed by Checked and are not a credit decision.