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FJCB

Active
Public limited company·Activiteiten van holdings· 7 yrs active
Chaussée de Nivelles 167 ·7181 Seneffe, Belgium
KBO/BCE: BE 0722.714.831
Watch Print / PDF
Age7 yrs
Board8
Connections17
Real estate1 parcel · 1,012 m²

Summary

Conclusion

the dossier summarised in one paragraph

FJCB is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €263.78M and a net result of €737k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 92% of 678 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.

Signals

2 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 92% of 678 peers (2024). A comfortable equity buffer.
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-06-2025, 43 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 6 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 18-06-2025 43 d early 2025-00150158
31-12-2023 31-07-2024 03-07-2024 28 d early 2024-00203152
31-12-2022 31-07-2023 06-06-2023 55 d early 2023-00109066
31-12-2021 31-07-2022 06-07-2022 25 d early 2022-20149947
31-12-2020 31-07-2021 09-06-2021 52 d early 2021-18400227
31-12-2019 31-07-2020 03-06-2020 58 d early 2020-14700427

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2019, 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 Flags

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€263.78M-4.1%
Net result€737k-63.0%
Total assets€269.00M-2.2%
Solvency98.1%-1.9pp

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 18-06-2025 with the NBB · fiscal year 2024 · volledig
€-10.00M€0€10.00M€20.00MOperating result 2020: €-78k€-78kNet result 2020: €20.84M€20.84MOperating result 2021: €76k€76kNet result 2021: €9.74M€9.74MOperating result 2022: €143k€143kNet result 2022: €9.06M€9.06MOperating result 2023: €142k€142kNet result 2023: €1.99M€1.99MOperating result 2024: €-56k€-56kNet result 2024: €737k€737k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~3%/year over 6 fiscal years, indicative, assuming unchanged policy.
€150.00M€200.00M€250.00M€300.00M€350.00M2025: €291.20M (€269.02M - €313.39M)2026: €299.32M (€263.82M - €334.82M)2027: €307.44M (€258.62M - €356.25M)2019: €188.24M2020: €250.63M2021: €275.03M2022: €275.23M2023: €274.97M2024: €263.78M201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 98.1% 44.9%
better than 92% of 678 sector peers
Net result €737k €48k
better than 80% of 677 sector peers
Equity €263.78M €1.36M
better than 95% of 678 sector peers
Gross operating margin €-55k €42k
better than 6% of 370 sector peers
Total assets €269.00M €5.58M
better than 94% of 678 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P92
2020: P81 · n=1292021: P95 · n=2232022: P95 · n=4122023: P95 · n=5592024: P92 · n=6782020 2024
Stable position over 2020-2024 · n=129-678
Net result P80
2020: P90 · n=1292021: P92 · n=2232022: P94 · n=4122023: P89 · n=5562024: P80 · n=6772020 2024
Stable position over 2020-2024 · n=129-677
Equity P95
2020: P93 · n=1292021: P95 · n=2232022: P95 · n=4122023: P95 · n=5592024: P95 · n=6782020 2024
Stable position over 2020-2024 · n=129-678
Gross operating margin P6
2020: P13 · n=462021: P65 · n=1022022: P79 · n=2102023: P78 · n=3032024: P6 · n=3702020 2024
Stable position over 2020-2024 · n=46-370
Describes the position versus peers, not a forecast.
Net profit
€737k
-63.0% 19-24
Total assets
€269.00M
-2.2% 19-24
Equity
€263.78M
-4.1% 19-24
Income taxes
€255k
+680.2% 19-24
Dividends
€11.93M
+431.6% 19-24
Debt
€5.21M
+3609.4% 19-24
Debt ≤ 1y
€5.20M
+3599.0% 19-24
Solvency
98.1%
-1.9% 19-24
ROE
0.3%
-61.4% 19-24
ROA
0.3%
-62.1% 19-24
Figures by fiscal year
Fiscal year2024
Depositvolledig
Revenuen/a
EBITDAn/a
Net profit€737k
Cash flown/a
Staff costs-
Income taxes€255k
Dividends€11.93M
Total assets€269.00M
Equity€263.78M
Debt€5.21M
of which ≤ 1y€5.20M
of which > 1y-
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency98.1%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA0.3%
ROE0.3%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€269.00M
Fixed assets 21/28€165.21M
Financial fixed assets 28€165.21M
Current assets 29/58€103.79M
Amounts receivable within one year 40/41€34k
Investments 50/53€102.56M
Cash & bank 54/58€327k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€269.00M
Equity 10/15€263.78M
Contributions / capital 10/11€244.00M
Reserves 13€18.99M
Accumulated profits (losses) 14€793k
Amounts payable 17/49€5.21M
Amounts payable within one year 42/48€5.20M
Trade debts payable within one year 44€14k
Income statement
Gross operating margin 9900€-55k
Operating result 9901€-56k
Financial income 75€96.28M
Financial charges 65€15k
Result before taxes 9903€992k
Income taxes 67/77€255k
Net result for the period 9904€737k
Result to be appropriated 9905€737k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Directors

Directors & mandates

9 directors
Current directors & mandates
  • SogeafLegal entity
    Director· perm. rep.: Adriano Segantini
    State Gazette act 25076903 (19-06-2025)
    Current
    02-06-2025 → present
    2 events
    • 19-06-2025 Mandate renewed· Director
    • 02-06-2025 Mandate renewed· Managing director
  • Louis Bouriez
    Director
    State Gazette act 25076903 (19-06-2025)
    Current
    13-07-2022 → present
    2 events
    • 19-06-2025 Mandate renewed· Director
    • 13-07-2022 Mandate renewed· Director
  • Marie Laetitia Bouriez
    Director
    State Gazette act 25076903 (19-06-2025)
    Current
    13-07-2022 → present
    2 events
    • 19-06-2025 Mandate renewed· Director
    • 13-07-2022 Mandate renewed· Director
  • SOGEAF SALegal entity
    Director· perm. rep.: Adriano Segantini
    State Gazette act 22084169 (13-07-2022)
    Current
    13-07-2022 → present
  • Stéphane Bouriez
    Director
    State Gazette act 25076903 (19-06-2025)
    Current
    13-07-2022 → present
    2 events
    • 19-06-2025 Mandate renewed· Director
    • 13-07-2022 Mandate renewed· Director
  • Clément BOURIEZ
    Director
    State Gazette act 21307794 (03-02-2021)
    Current
    03-02-2021 → present
  • Damien BOURIEZ
    Director
    State Gazette act 21307794 (03-02-2021)
    Current
    03-02-2021 → present
  • Guillaume BOURIEZ
    Director
    State Gazette act 21307794 (03-02-2021)
    Current
    03-02-2021 → present
Former directors (1)
  • Jacques BOURIEZ
    Director
    State Gazette act 21363914 (28-10-2021)
    Former
    - → 28-10-2021
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Statutory auditor

1 auditor
Statutory auditor IRE/IBR number Tenure
SRL DELVAUX ASSOCIESCurrent
Company auditor · represented by Vincent MISSELYN
 - 20-10-2021 → present
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Activiteiten van holdings(64210)
Legal form Public limited company(014)
Incorporation13-03-2019
StatusActive
Postal code7181

Structure & network

Connections & network

17 connected companies
"LDz Compagnie franco-belge de distribution" en abrégé "LDz" en français et "LDz frans-belgische detailhandel maatschappij" en abrégé "LDz" en néerlandais, We sit on their board "C"LDz Compagniefranco-b…ndaisDELFIPAR, We sit on their board DDELFIPARAPEROGREEN, Shared address AAPEROGREENARMIN ROBOTICS, Shared address ARARMIN ROBOTICSBureau d'Etudes DG ENGINEERING, Shared address BDBureaud'Etudes…ERINGCSJ ELEC, Shared address CECSJ ELECFONCIBEL, Shared address FFONCIBELGALIMMO REAL ESTATE, Shared address GRGALIMMO REALESTATEJDS SERVICES, Shared address JSJDS SERVICESMATCH, Shared address MMATCHMEDI-MIL, Shared address MMEDI-MILProfectus IT, Shared address PIProfectus ITPROFI, Shared address PPROFIR2JEUX, Shared address RR2JEUXFJCB FJCB0722.714.831
Group structureShared address / shareholder
Group structure
Network connections
APEROGREEN
Shared address
→
ARMIN ROBOTICS
Shared address
→
CSJ ELEC
Shared address
→
FONCIBEL
Shared address
→
GALIMMO REAL ESTATE
Shared address
→
JDS SERVICES
Shared address
→
MATCH
Shared address
→
MEDI-MIL
Shared address
→
Profectus IT
Shared address
→
PROFI
Shared address
→
R2JEUX
Shared address
→
S.J. CONSTRUCT
Shared address
→
SGM MAGNETICS
Shared address
→
Van Halteren Notaires
Shared address
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Ownership & control

2 parties
FJCBBE 0722.714.831
controls
Where this company holds controlthis company sits on their board2
DELFIPAR
1 subsidiary · 1 location
"LDz Compagnie franco-belge de distribution" en abrégé "LDz" en français et "LDz frans-belgische detailhandel maatschappij" en abrégé "LDz" en néerlandais
1 location

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Locations & real estate

Registered office

from the Crossroads Bank
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.

Chaussée de Nivelles 1677181 Seneffe

Establishment units

1 location
FJCB
Chaussée de Nivelles 167, 7181 SeneffeHoldings
since 20192.303.879.365
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,012 m²
Buildings1
Building footprint244 m²

Real-estate footprint

Source: CBE × cadastre · address linking

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 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52003B0364/00N000 Wallonia 1,012 m² 1 · 244 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

8 acts
Capital history · 1
15-06-2020
v3.2
Address history · 2
14-10-2025
v3.2
16-06-2021
v3.2
All acts · 8 updated 10 months ago
2025
14-10-2025 Registered office moved from Bruxelles to Arquennes Registered-office change
  • rue de Ligne 13, 1000 Bruxelles → Chaussée de Nivelles 167, 7181 Arquennes
Summary: v3.2
19-06-2025 5 reappointed Director changes
  • Marie Laetitia Bouriez, Bestuurder
  • Stéphane Bouriez, Bestuurder
  • Louis Bouriez, Bestuurder
  • Sogeaf, Bestuurder
  • Adriano Segantini, Gedelegeerd bestuurder
Summary: v3.2
2022
13-07-2022 4 reappointed Director changes
  • Marie-Laetitia Bouriez, Bestuurder
  • Stéphane Bouriez, Bestuurder
  • Louis Bouriez, Bestuurder
  • Adriano Segantini, Bestuurder
Summary: v3.2
2021
28-10-2021 Jacques BOURIEZ resigns as director Director changes
  • Jacques BOURIEZ, Bestuurder
Summary: v3.2
16-06-2021 Registered office moved from Uccle to Bruxelles Registered-office change
  • avenue Juliette 13, 1180 Uccle → rue de Ligne 13, 1000 Bruxelles
Summary: v3.2
03-02-2021 3 directors appointed Director changes
  • Guillaume BOURIEZ, Bestuurder
  • Clément BOURIEZ, Bestuurder
  • Damien BOURIEZ, Bestuurder
Summary: v3.2
2020
15-06-2020 Capital increase of €59,000,000 to €229,100,000 Capital & shares
  • €170.100.000 → €229.100.000
Summary: v3.2
2019
15-03-2019 Incorporation of a new SNC Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health-Profitability1Solvency100Growth52Stability100
63 / 100

Strong profile, led by solvency.

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

Health -
Profitability 1
Solvency 100
Growth 52
Stability 100

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 5,518 of the 24,679 companies in this sector. 235 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameFR FJCB
Registered office
Chaussée de Nivelles 167
7181 Seneffe, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.