J & C
ActiveJ & C has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €19k. Equity is growing by ~65.9% per year across the filed fiscal years. Its solvency ranks better than 71% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+9
Solvency92▲+16
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.74 against 2.26 in 2024; short-term debt: 28.4% and cash: 56.3% of total assets), and 33.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
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
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
66.7%
Return on assets
29.4%
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 29-04-2026, 93 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
93 d early
2024
70 d early
2023
50 d early
2022
29 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▲ 79.0%
2024 · €24k
2022: €9k
2023: €16k
2024: €24k
2022 → 2025
Total assets
€64k▲ 38.0%
2024 · €46k
2022: €31k
2023: €31k
2024: €46k
2022 → 2025
Net result
€19k▲ 129%
2024 · €8k
2022: €6k
2023: €6k
2024: €8k
2022 → 2025
Working capital
€32k▲ 46.9%
2024 · €22k
2022: €2k
2023: €15k
2024: €22k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€9k-€16k▲ 68.7%€24k▲ 52.8%€43k▲ 79.0%
Operating result€10k-€11k▲ 9.6%€14k▲ 21.0%€28k▲ 108%
Net result€6k-€6k▲ 0.6%€8k▲ 29.7%€19k▲ 129%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 108% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64k
Fixed assets
€14k▲ 82.7%
Current assets
€50k▲ 29.0%
Equity and liabilities €64k
Equity
€43k▲ 79.0%
Debt
€21k▼ 5.5%
The debt ratio falls from 48.5% to 33.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▲
2024 · €15k
Cash flow
€22k▲
2024 · €10k
Solvency
66.7%▲
2024 · 51.5%
Current ratio
2.74▲
2024 · 2.26
Quick ratio
2.74▲
2024 · 2.26
Debt / equity
0.50▼
2024 · 0.94
ROE
44.1%▲
2024 · 34.6%
ROA
29.4%▲
2024 · 17.8%
Interest coverage
55.88▲
2024 · 16.53
Debt
€21k▼
2024 · €23k
Debt ≤ 1 year
€18k▲
2024 · €17k
Debt > 1 year
€3k▼
2024 · €5k
Income taxes
€9k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€46k€64k▲
Fixed assets21/28€8k€14k▲
Tangible fixed assets22/27€8k€14k▲
Plant, machinery and equipment23-€3k
Furniture and vehicles24€8k€11k▲
Current assets29/58€39k€50k▲
Amounts receivable within one year40/41€10k€14k▲
Trade receivables40€10k€14k▲
Cash at bank and in hand54/58€29k€36k▲
Deferred charges and accrued income490/1€166€22▼
Equity and liabilities
Total equity and liabilities10/49€46k€64k▲
Equity10/15€24k€43k▲
Contributions10/11€5k€5k=
Reserves13€19k€38k▲
Tax-exempt reserves132€349€349=
Distributable reserves133€19k€37k▲
Amounts payable17/49€23k€21k▼
Amounts payable after more than one year17€5k€3k▼
Financial debts170/4€5k€3k▼
Amounts payable within one year42/48€17k€18k▲
Current portion of amounts payable after more than one year42€2k€2k▲
Financial debts43€1k€1k▲
Credit institutions430/8€1k€1k▲
Trade debts44€2k€626▼
Suppliers440/4€2k€626▼
Taxes, remuneration and social security45€11k€14k▲
Taxes450/3€11k€14k▲
Other amounts payable47/48€803€411▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€632€778▲
Non-recurring operating charges66A€393€0▼
Gross operating margin9900€16k€32k▲
Operating profit (loss)9901€14k€28k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€928€564▼
Recurring financial charges65€928€564▼
Profit (loss) for the period before taxes9903€13k€28k▲
Income taxes67/77€4k€9k▲
Profit (loss) for the period9904€8k€19k▲
Profit (loss) for the period to be appropriated9905€8k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€19k▲
Transfer to equity691/2€8k€19k▲
To other reserves6921€8k€19k▲
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
Next filing, fiscal year 2026, expected by
2026
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €19k ▲129%
Operating result €28k, net result €19k, both a record.
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Geel · 1 establishment unit since 2011
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.
Wanstraat 42440 GeelGround area
1,042 m²
Building footprint
175 m²
Volume, LiDAR
781 m³
Parcel 13375M0978/00S000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J & C
since 20112.195.933.411
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13375M0978/00S000 | Flanders | 1,041 m² | 1 · 175 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 753 companies in sector 43422 we hold annual accounts for 426. 344 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2011
Fiscal year end31-12
Activities, NACEBEL
43422Screed work
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.