FJC
ActiveSummary
FJC has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €364. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 64% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▲+15
Solvency75▲+8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 0.79 in 2024; short-term debt: 22.9% and cash: 16.2% of total assets), and 49.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
50.2%
Return on assets
0.1%
Age of the figures
9 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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
31 d early
2023
30 d late
2022
38 d late
2021
25 d late
2020
37 d late
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€127k▲ 0.3%
2024 · €126k
2018: €38klowest in 8 years
2019: €47k▲ +21.9% vs 2018
2020: €93k▲ +99.9% vs 2019
2021: €96k▲ +3.5% vs 2020
2022: €112k▲ +16.2% vs 2021
2023: €130k▲ +16.6% vs 2022highest in 8 years
2024: €126k▼ -3.1% vs 2023
2025: €127k▲ +0.3% vs 2024
2018 → 2025
Total assets
€253k▼ 15.1%
2024 · €298k
2018: €311k
2019: €297k▼ -4.3% vs 2018
2020: €374k▲ +25.7% vs 2019
2021: €346k▼ -7.4% vs 2020
2022: €316k▼ -8.7% vs 2021
2023: €388k▲ +23.0% vs 2022highest in 8 years
2024: €298k▼ -23.4% vs 2023
2025: €253k▼ -15.1% vs 2024lowest in 8 years
2018 → 2025
Net result
€364
2024 · €-4k
2018: €23k
2019: €8k▼ -62.9% vs 2018
2020: €47k▲ +456% vs 2019highest in 8 years
2021: €3k▼ -93.1% vs 2020
2022: €16k▲ +383% vs 2021
2023: €40k▲ +157% vs 2022
2024: €-4k▼ -110% vs 2023lowest in 8 years
2025: €364▲ +109% vs 2024
2018 → 2025
Working capital
€2k
2024 · €-17k
2018: €-70klowest in 8 years
2019: €-63k▲ +9.8% vs 2018
2020: €-37k▲ +41.5% vs 2019
2021: €-43k▼ -16.8% vs 2020
2022: €-25k▲ +41.9% vs 2021
2023: €-29k▼ -16.7% vs 2022
2024: €-17k▲ +40.7% vs 2023
2025: €2k▲ +109% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€112k▲ 16.2%€130k▲ 16.6%€126k▼ 3.1%€127k▲ 0.3%
2021: €96klowest in 5 years
2022: €112k▲ +16.2% vs 2021
2023: €130k▲ +16.6% vs 2022highest in 5 years
2024: €126k▼ -3.1% vs 2023
2025: €127k▲ +0.3% vs 2024
Operating result€15k-€30k▲ 98.6%€60k▲ 99.9%€4k▼ 92.9%€8k▲ 86.3%
2021: €15k
2022: €30k▲ +98.6% vs 2021
2023: €60k▲ +99.9% vs 2022highest in 5 years
2024: €4k▼ -92.9% vs 2023lowest in 5 years
2025: €8k▲ +86.3% vs 2024
Net result€3k-€16k▲ 383%€40k▲ 157%€-4k€364
2021: €3k
2022: €16k▲ +383% vs 2021
2023: €40k▲ +157% vs 2022highest in 5 years
2024: €-4k▼ -110% vs 2023lowest in 5 years
2025: €364▲ +109% vs 2024
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 86% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €253k
Fixed assets
€193k ▼ 16.4%
Current assets
€59k ▼ 10.7%
Equity and liabilities €253k
Equity
€127k ▲ 0.3%
Debt
€126k ▼ 26.5%
Debt's share of the balance-sheet total falls from 57.5% to 49.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€50k▲
2024 · €34k
Cash flow
€42k▲
2024 · €26k
Current ratio
1.03▲
2024 · 0.79
Quick ratio
0.94▲
2024 · 0.72
Debt to equity
0.99▼
2024 · 1.35
ROE
0.3%▲
2024 · -3.2%
ROA
0.1%▲
2024 · -1.4%
Interest coverage
9.30▲
2024 · 4.41
Debt ≤ 1 year
€58k▼
2024 · €84k
Debt > 1 year
€67k▼
2024 · €87k
Income taxes
€2k▲
2024 · €629
Staff costs
€79k▲
2024 · €77k
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 · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€298k€253k▼
Fixed assets21/28€231k€193k▼
Tangible fixed assets22/27€231k€193k▼
Land and buildings22€191k€175k▼
Plant, machinery and equipment23€8k€3k▼
Furniture and vehicles24€26k€12k▼
Leasing and similar rights25€5k€3k▼
Financial fixed assets28€50€50=
Current assets29/58€67k€59k▼
Stocks and contracts in progress3€6k€5k▼
Stocks30/36€6k€5k▼
Amounts receivable within one year40/41€10k€10k▲
Trade receivables40€2k€2k▼
Other amounts receivable41€8k€8k▲
Cash at bank and in hand54/58€46k€41k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€298k€253k▼
Equity10/15€126k€127k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€106k€106k▲
Amounts payable17/49€171k€126k▼
Amounts payable after more than one year17€87k€67k▼
Financial debts170/4€87k€67k▼
Amounts payable within one year42/48€84k€58k▼
Current portion of amounts payable after more than one year42€24k€19k▼
Trade debts44€5k€7k▲
Suppliers440/4€5k€7k▲
Taxes, remuneration and social security45€52k€31k▼
Taxes450/3€36k€11k▼
Remuneration and social security454/9€16k€20k▲
Other amounts payable47/48€3k-
Accrued charges and deferred income492/3€0€504▲
Income statement
Code20242025
Remuneration, social security and pensions62€77k€79k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€42k▲
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A€17k-
Gross operating margin9900€132k€134k▲
Operating profit (loss)9901€4k€8k▲
Financial income75/76B€5€0▼
Recurring financial income75€5€0▼
Financial charges65/66B€8k€5k▼
Recurring financial charges65€8k€5k▼
Profit (loss) for the period before taxes9903€-3k€3k▲
Income taxes67/77€629€2k▲
Profit (loss) for the period9904€-4k€364▲
Profit (loss) for the period to be appropriated9905€-4k€364▲
Appropriation of the result
Profit (loss) to be appropriated9906€106k€106k▲
Profit (loss) brought forward from the previous period14P€110k€106k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €44k | €64k | €69k | €77k | €79k | ▲ 2.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28k | €25k | €29k | €30k | €42k | ▲ 42.0% |
| Other operating charges640/8 | €4k | €4k | €5k | €4k | €5k | ▲ 23.7% |
| Non-recurring operating charges66A | - | €2k | €0 | €17k | - | - |
| Gross operating margin9900 | €91k | €125k | €163k | €132k | €134k | ▲ 1.4% |
| Operating profit (loss)9901 | €15k | €30k | €60k | €4k | €8k | ▲ 86.3% |
| Financial income75/76B | €306 | €136 | €7 | €5 | €0 | ▼ 99.8% |
| Recurring financial income75 | €306 | €136 | €7 | €5 | €0 | ▼ 99.8% |
| Financial charges65/66B | €9k | €8k | €7k | €8k | €5k | ▼ 30.0% |
| Recurring financial charges65 | €9k | €8k | €7k | €8k | €5k | ▼ 30.0% |
| Profit (loss) for the period before taxes9903 | €6k | €22k | €52k | €-3k | €3k | ▲ 174% |
| Income taxes67/77 | €3k | €7k | €12k | €629 | €2k | ▲ 243% |
| Profit (loss) for the period9904 | €3k | €16k | €40k | €-4k | €364 | ▲ 109% |
| Profit (loss) for the period to be appropriated9905 | €3k | €16k | €40k | €-4k | €364 | ▲ 109% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €346k | €316k | €388k | €298k | €253k | ▼ 15.1% |
| Fixed assets21/28 | €292k | €265k | €291k | €231k | €193k | ▼ 16.4% |
| Tangible fixed assets22/27 | €292k | €264k | €291k | €231k | €193k | ▼ 16.4% |
| Land and buildings22 | €209k | €203k | €196k | €191k | €175k | ▼ 8.6% |
| Plant, machinery and equipment23 | €23k | €18k | €12k | €8k | €3k | ▼ 64.0% |
| Furniture and vehicles24 | €31k | €44k | €76k | €26k | €12k | ▼ 53.6% |
| Leasing and similar rights25 | €28k | - | €7k | €5k | €3k | ▼ 40.1% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €54k | €51k | €97k | €67k | €59k | ▼ 10.7% |
| Stocks and contracts in progress3 | €7k | €6k | €5k | €6k | €5k | ▼ 14.4% |
| Stocks30/36 | €7k | €6k | €5k | €6k | €5k | ▼ 14.4% |
| Amounts receivable within one year40/41 | €8k | €19k | €25k | €10k | €10k | ▲ 0.7% |
| Trade receivables40 | €147 | €6k | €3k | €2k | €2k | ▼ 1.7% |
| Other amounts receivable41 | €8k | €13k | €22k | €8k | €8k | ▲ 1.4% |
| Cash at bank and in hand54/58 | €36k | €24k | €64k | €46k | €41k | ▼ 10.6% |
| Deferred charges and accrued income490/1 | €3k | €2k | €3k | €5k | €3k | ▼ 32.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €346k | €316k | €388k | €298k | €253k | ▼ 15.1% |
| Equity10/15 | €96k | €112k | €130k | €126k | €127k | ▲ 0.3% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €76k | €91k | €110k | €106k | €106k | ▲ 0.3% |
| Amounts payable17/49 | €250k | €204k | €258k | €171k | €126k | ▼ 26.5% |
| Amounts payable after more than one year17 | €152k | €127k | €130k | €87k | €67k | ▼ 22.6% |
| Financial debts170/4 | €152k | €127k | €130k | €87k | €67k | ▼ 22.6% |
| Amounts payable within one year42/48 | €97k | €76k | €126k | €84k | €58k | ▼ 31.2% |
| Current portion of amounts payable after more than one year42 | €25k | €23k | €28k | €24k | €19k | ▼ 18.5% |
| Trade debts44 | €26k | €18k | €26k | €5k | €7k | ▲ 37.2% |
| Suppliers440/4 | €26k | €18k | €26k | €5k | €7k | ▲ 37.2% |
| Taxes, remuneration and social security45 | €44k | €36k | €54k | €52k | €31k | ▼ 39.2% |
| Taxes450/3 | €32k | €22k | €43k | €36k | €11k | ▼ 69.2% |
| Remuneration and social security454/9 | €12k | €13k | €10k | €16k | €20k | ▲ 27.7% |
| Other amounts payable47/48 | €3k | €0 | €18k | €3k | - | - |
| Accrued charges and deferred income492/3 | - | - | €1k | €0 | €504 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3k | €16k | €40k | €-4k | €364 | ▲ 109% |
| + Depreciation and write-downs630 | €28k | €25k | €29k | €30k | €42k | ▲ 42.0% |
| Operating cash flow (approximation) | €31k | €41k | €69k | €26k | €42k | ▲ 66.0% |
| Investment in fixed assets (approximation) | - | €2k | €-56k | €31k | €-4k | ▼ 113% |
| Change in cash | - | €-12k | €40k | €-18k | €-5k | ▲ 73.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €364
Net result €364 after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
07-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 38 days late
2022
31-12
Financial
Equity above €100kEq €112k ▲16.2%
5 profitable years in a row build equity to €112k.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
06-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 37 days late
2020
31-12
Financial
Highest result since 2018net €47k ▲456%
Operating result €73k, net result €47k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 63 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
2 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, Virton · 1 establishment unit since 2016
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.
Rue Léon-Colleaux,St-Mard 396762 Virton1 establishment unit
FJC SPRL
since 20162.255.375.308
Recognitions · licences · registrations
Food safety, FASFC
1 siteVirton2.255.375.308
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Of 3,042 companies in sector 47221 we hold annual accounts for 1,564. 1,349 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-12-2015
Fiscal year end31-12
Activities, NACEBEL 2025
47221Retail sale of meat and meat products, excluding game and poultry
47222Retail trade
47252Retail sale of beverages, general range
56112Limited-service restaurants, excluding mobile food services
Contact
E-mail
jessydanloy@live.be
Phone
0476/29.59.32Virton
Scores and ratios are computed by Checked and are not a credit decision.