J-Club

Active

Non-profit associationfounded 1995active for 31 yearsBlauwe Distelweg 2, 8660 De Panne, BelgiumKBO/BCE: BE 0456.800.714

Summary

J-Club has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €652,625 and a net result of €26,744. Equity is growing by about 26% per year across the filed financial years. Its solvency ranks better than 49% of 880 sector peers (NACE 55, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow Report Compare

J-ClubActiveChecked score 95/100

Risk analysis Report Compare

Activity

Holiday cottages, homes and apartments

NACE 55203

7th largest company by total assets in De Panne, Accommodation and food service sector1 site

Size

€2.6mtotal assets 2025

Staff: 7.8 FTE
Equity: €652,625
Surplus: €26,744

Turnover not published (abbreviated format)

Financial health

95 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Structure

2025 accounts 79 days early2 of 5 deeds summarised

Why 95raises riskSize: 7.8 FTE, total assets €2.6mlowers riskLegal form: non-profit associationFounded in 1995Figures for financial year 2025 (filed 13-05-2026)Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 58% of its sector peers (NACE 55, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 50-1

equity 25.4% of total assets

Liquidity 59+3

short-term debt 12.8% · cash 8.3%

Profitability 70=

return on assets 1.0%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (2,515 companies, NACE 55, micro)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025highest value 04-2025: < 0.1%● unchanged vs 03-2025lowest value 05-2025: < 0.1%● unchanged vs 04-2025lowest value 06-2025: < 0.1%● unchanged vs 05-2025lowest value 07-2025: < 0.1%● unchanged vs 06-2025lowest value 08-2025: < 0.1%● unchanged vs 07-2025lowest value 09-2025: < 0.1%● unchanged vs 08-2025lowest value 10-2025: < 0.1%● unchanged vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026

Credit of up to €60,000 on 30-day terms is acceptable

Liquidity insufficient (current ratio 0.72, compared with 0.9 in 2024, below 1; short-term debt: 12.8% and cash: 8.3% of total assets), and 74.6% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 55, micro): better than 52% on solvency, 74% on liquidity, 60% on profitability and 44% on growth.

The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Legal form: non-profit association

KBO

Founded in 1995

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Size: 7.8 FTE, total assets €2.6m

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Figures for financial year 2025 (filed 13-05-2026)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-05-2026, 79 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

79 days early

2024

140 days early

2023

132 days early

2022

124 days early

2021

33 days early

2020

106 days early

2019

36 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 93 days before the deadline; the sector median (NACE 55) for financial year 2024 is 1 day before the deadline, and 45% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 March (4 of the last 5 filed years within 45 days of that day).

Companies Code · seven months

Where today falls in the filing period

26-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

13-05-2026 Annual accounts filedfinancial year 2025 · abbreviated…
31-12-2025 Highest result from 2018 to 2025net €26,744 ▲15.3%
24-03-2025 Resignation: Leclercq Brigitte (director)Director discharge

Key points

Positive: 7th largest company by total assets in De Panne, Accommodation and food…in the Checked rankings No. 7 View
Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
Flemish supportawarded from 2022 to 2025 €392,313 View

By topic

Financials

Financial year: 2025
Total assets: €2.6m
Profit: €26,744
Solvency: 25.4%

Total assets▲ 0.1%

Net result

20182025

Go to Financials

Timeline

Events: 27
Since: 2008
Next accounts: by 31-07-2027

13-03-2025Annual accounts filed
21-03-2024Annual accounts filed
31-12-2023Back to profit

Go to Timeline

Company details

Sites: 1

Legal form: Non-profit association
Activity: Holiday cottages, homes and apartmentsNACE 55203
Founded: 17-07-1995
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 37

Purpose: “Het beoefenen van een niet-consumptief, niet-commercieel toerisme, gericht op het…” (deed in Dutch)

Go to Articles of association

Key facts about J-Club

What is the company number of J-Club?: 0456.800.714. In Belgium the VAT number is the company number with BE in front: BE 0456.800.714.
Where is J-Club based?: The registered office is at Blauwe Distelweg 2, 8660 De Panne.Company details
What does J-Club do?: According to the KBO register, the main activity is holiday cottages, homes and apartments (NACE 55203).
What is the legal form of J-Club?: Non-profit association (VZW).
When was J-Club founded?: On 17-07-1995.
Is J-Club still active?: Yes, J-Club is an active enterprise in the KBO register.
How many employees does J-Club have?: On average 7.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of J-Club?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is J-Club profitable?: In financial year 2025, J-Club made a profit of €26,744.
Where can I find the annual accounts of J-Club?: J-Club filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of J-Club due?: By 31-07-2027, for financial year 2026.Timeline