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Generated 23-08-2026
Active BE 0800.529.221Private limited company

BEL-JIC Financial SRL

Rue Surhuy 5 ·5340 Gesves, Belgium· 3 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of BEL-JIC Financial SRL is 3.3% (moderate). The 2024 annual accounts show equity of €187k and a net result of €147k. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €187k
Net result €147k
Staff (FTE) 4
Active 3 yrs
Financial profile 4 of 5 axes measured · computed by Checked
Health83Profitability100Solvency52Growth-Stability79
78 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 83
Profitability 100
Solvency 52
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free
3.3% Moderate
0%0,5%1,5%4%10%≥25%
Young company +No NACE activity registered +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
83 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 29-07-2025 with the NBB · fiscal year 2024 · micro
Fiscal year2024
Depositmicro
Revenue-
EBITDA€360k
Net profit€147k
Cash flow€256k
Staff costs€115k
Income taxes€78k
Dividends-
Total assets€726k
Equity€187k
Debt€539k
of which ≤ 1y€166k
of which > 1y€373k
Working capital€100k
Employees (FTE)4.0
Ratios (computed)
2024
Current ratio1.60
Quick ratio1.60
Working capital ratio13.7%
Solvency25.7%
Debt / equity2.89
Long-term debt ratio2.00
Interest coverage13.35
Gross margin-
Net margin-
ROA20.2%
ROE78.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€726k
Fixed assets 21/28€460k
Intangible fixed assets 21€429k
Tangible fixed assets 22/27€29k
Financial fixed assets 28€2k
Current assets 29/58€266k
Cash & bank 54/58€218k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€726k
Equity 10/15€187k
Contributions / capital 10/11€40k
Reserves 13€147k
Amounts payable 17/49€539k
Amounts payable after one year 17€373k
Amounts payable within one year 42/48€166k
Trade debts payable within one year 44€4k
Income statement
Gross operating margin 9900€480k
Operating result 9901€251k
Financial income 75€625
Financial charges 65€27k
Result before taxes 9903€224k
Income taxes 67/77€78k
Net result for the period 9904€147k
Result to be appropriated 9905€147k
Ratios computed by Checked.
Directors & mandates 1 directors
Former directors (1)
  • SPITAELS Catherine
    Director
    State Gazette act 25165320 (31-12-2025)
    Former
    - → 15-12-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary -
Legal form Private limited company(610)
Incorporation06-04-2023
StatusActive
Postal code5340
Establishment units 1 location
BEL-JIC Financial SRL
Rue Winston Churchill(CO) 4, 6180 CourcellesAgenten en makelaars in bankdiensten
since 20232.343.938.088
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92054E0646/00T000 Wallonia 1,696 m² 1 · 187 m² -
52322B0852/00R000 Wallonia 392 m² 1 · 79 m² 13.1 m · 4 fl.
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.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
31-12-2025
State Gazette act Director changes
v3.2
29-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2023
11-04-2023
State Gazette act Incorporation
oprichting
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 7 months ago
2025
31-12-2025 SPITAELS Catherine resigns as director Director changes
  • SPITAELS Catherine, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "SPITAELS Catherine",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-12-15",
      "evidence_quote": "L\u0027Assembl\u00E9e accepte la d\u00E9mission au poste d\u0027adminstrateur au 15/12/2025: SPITAELS Catherine sis Rue Surhuy 5 \u00E0 5340 GESV\u00C9S."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0800.529.221",
    "name_full": "BEL-JIC FINANCIAL",
    "legal_form": "SRL"
  }
}
2023
11-04-2023 Incorporation of a new SRL Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "5340 Gesves, Rue Surhuy 5",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1973-12-23",
        "name": "MASQUELIER Bruno S\u00E9bastien Jules",
        "niss": null,
        "address": "5340-Gesves, rue Surhuy, 5"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 0,
      "holder_person_name": "MASQUELIER Bruno S\u00E9bastien Jules",
      "is_subscriber_only": true,
      "n_shares_subscribed": 500,
      "amount_subscribed_eur": 500,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1984-03-01",
        "name": "SPITAELS Catherine Yvette Marie Isabelle Agn\u00E8s",
        "niss": null,
        "address": "5340-Gesves, rue Surhuy, 5"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 0,
      "holder_person_name": "SPITAELS Catherine Yvette Marie Isabelle Agn\u00E8s",
      "is_subscriber_only": true,
      "n_shares_subscribed": 500,
      "amount_subscribed_eur": 500,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 1000,
  "subject_company": {
    "kbo": "0800.529.221",
    "name_full": "BEL-JIC Financial SRL",
    "legal_form": "SRL"
  },
  "initial_directors": [],
  "incorporation_date": "2023-04-06",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameFR BEL-JIC Financial SRL
Registered office
Rue Surhuy 5
5340 Gesves, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative