Checked.be
Active
BE 0628.735.588Private limited company
HJCT
Chemin d' Havré 64 ·7030 Mons, Belgium· 11 yrs active
Sector: Activities of bailiffs
(69103)
Conclusion
HJCT has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €166k and a net result of €52k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 53% of 15373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €166k |
| Net result | €52k |
| Better than sector | 53% |
| Active | 11 yrs |
Financial profile
95
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
100
Solvency
99
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2015, 11 years in business.
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.
Checked score
100
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€17k
estimate, not credit advice
Score history
85
2020
100
2021
100
2022
100
2023
100
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 4.14 (≥ 1.5)
+10
Quick ratio
Quick ratio 4.14 (≥ 1.0)
+5
Leverage
Debt/equity 0.62 (< 1.0)
+10
Profitability
ROE 32% (≥ 10%)
+10
Interest coverage
Interest coverage 32.2× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 24-06-2025 with the NBB · fiscal year 2024 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~12.2%/year over 5 fiscal years, indicative, assuming unchanged policy.
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 69, Legal and accounting activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 61.7% | 59.3% | |
| Net result | €52k | €34k | |
| Equity | €166k | €97k | |
| Gross operating margin | €92k | €70k | |
| Total assets | €268k | €208k |
€87k
+65.0%
20-24
€52k
+89.5%
20-24
€67k
+65.5%
20-24
€268k
+70.6%
20-24
€166k
+25.3%
20-24
€135k
+10.0%
20-24
€19k
+41.9%
20-24
€19k
+35.7%
20-24
€103k
+309.5%
20-24
€43k
+71.2%
20-24
€60k
+530.8%
20-24
4.14
-29.7%
20-24
4.14
-29.7%
20-24
61.7%
-26.6%
20-24
0.62
+226.9%
20-24
31.6%
+51.3%
20-24
19.5%
+11.1%
20-24
32.20
-85.8%
20-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €87k | €53k | €49k | €37k | €30k |
| Net profit | €52k | €28k | €24k | €16k | €16k |
| Cash flow | €67k | €40k | €37k | €28k | €28k |
| Staff costs | - | - | - | - | - |
| Income taxes | €19k | €13k | €12k | €8k | €6k |
| Dividends | €19k | €14k | €21k | - | - |
| Total assets | €268k | €157k | €153k | €169k | €151k |
| Equity | €166k | €132k | €119k | €115k | €99k |
| Debt | €103k | €25k | €34k | €54k | €53k |
| of which ≤ 1y | €43k | €25k | €25k | €32k | €18k |
| of which > 1y | €60k | - | €9k | €22k | €34k |
| Working capital | €135k | €122k | €115k | €112k | €96k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|
| Current ratio | 4.14 | 5.88 | 5.67 | 4.51 | 6.24 |
| Quick ratio | 4.14 | 5.88 | 5.67 | 4.51 | 6.24 |
| Working capital ratio | 50.2% | 77.9% | 75.2% | 66.5% | 63.5% |
| Solvency | 61.7% | 84.1% | 77.7% | 68.0% | 65.2% |
| Debt / equity | 0.62 | 0.19 | 0.29 | 0.47 | 0.35 |
| Long-term debt ratio | 0.36 | - | 0.08 | 0.19 | 0.35 |
| Interest coverage | 32.20 | 225.99 | 142.77 | 83.15 | - |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 19.5% | 17.6% | 16.0% | 9.5% | 10.4% |
| ROE | 31.6% | 20.9% | 20.6% | 14.0% | 15.9% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2024
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €268k | €157k | €153k | €169k | €151k |
| Fixed assets | 21/28 | €91k | €10k | €13k | €25k | €37k |
| Tangible fixed assets | 22/27 | €91k | €10k | €13k | €25k | €37k |
| Current assets | 29/58 | €178k | €147k | €139k | €144k | €115k |
| Amounts receivable within one year | 40/41 | €16k | €5k | €18k | €18k | €10k |
| Investments | 50/53 | €30k | €30k | €30k | - | - |
| Cash & bank | 54/58 | €129k | €111k | €90k | €124k | €103k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €268k | €157k | €153k | €169k | €151k |
| Equity | 10/15 | €166k | €132k | €119k | €115k | €99k |
| Contributions / capital | 10/11 | €12k | €12k | €12k | €12k | - |
| Reserves | 13 | €145k | €112k | €99k | €96k | €81k |
| Accumulated profits (losses) | 14 | €8k | €8k | €7k | €7k | €6k |
| Amounts payable | 17/49 | €103k | €25k | €34k | €54k | €53k |
| Amounts payable after one year | 17 | €60k | - | €9k | €22k | €34k |
| Amounts payable within one year | 42/48 | €43k | €25k | €25k | €32k | €18k |
| Trade debts payable within one year | 44 | €495 | €523 | €721 | €924 | €1k |
| Income statement | ||||||
| Gross operating margin | 9900 | €92k | €53k | €50k | €38k | €35k |
| Operating result | 9901 | €73k | €40k | €37k | €25k | €18k |
| Financial income | 75 | €825 | €825 | - | - | - |
| Financial charges | 65 | €3k | €234 | €343 | €447 | €653 |
| Result before taxes | 9903 | €71k | €41k | €36k | €24k | €18k |
| Income taxes | 67/77 | €19k | €13k | €12k | €8k | €6k |
| Net result for the period | 9904 | €52k | €28k | €24k | €16k | €11k |
| Result to be appropriated | 9905 | €52k | €28k | €24k | €16k | €11k |
Legal Structure
| NACE primary | Activities of bailiffs(69103) |
| Legal form | Private limited company(610) |
| Incorporation | 20-04-2015 |
| Status | Active |
| Postal code | 7030 |
Establishment units
HJCT
since 20152.241.539.445
Updates
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €52k ▲89.5%
Operating result €73k, net result €52k, both a record.
31-12
Financial
Equity above €150kEq €166k ▲25.3%
5 profitable years in a row build equity to €166k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €115k ▲16.3%
2 profitable years in a row build equity to €115k.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
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.
Credit advice
Company registry (CBE)
Activities
Activities of bailiffs69103
Names & trade names
| Legal nameFR | HJCT |
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