J.D.15
ActiveJ.D.15 has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €3.79M and a net result of €-21k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 81% of 19345 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
22
/ 100
Critical▼ -8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency68=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.56 against 0.57 in 2023), and 25% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-01-2026, 183 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
183 d late
2023
27 d late
2022
30 d late
2021
26 d late
2020
30 d late
2019
38 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€3.79M▼ 0.6%
2023 · €3.81M
2018: €3.91M
2019: €3.90M
2020: €3.86M
2021: €3.84M
2022: €3.82M
2023: €3.81M
2018 → 2024
Total assets
€5.05M▼ 0.2%
2023 · €5.06M
2018: €4.15M
2019: €4.34M
2020: €4.44M
2021: €4.58M
2022: €4.61M
2023: €5.06M
2018 → 2024
Net result
€-21k▼ 17.5%
2023 · €-18k
2018: €-11k
2019: €-12k
2020: €-38k
2021: €-17k
2022: €-18k
2023: €-18k
2018 → 2024
Working capital
€-552k▼ 2.2%
2023 · €-540k
2018: €9k
2019: €-129k
2020: €-513k
2021: €-522k
2022: €-531k
2023: €-540k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€3.86M-€3.84M▼ 0.4%€3.82M▼ 0.5%€3.81M▼ 0.5%€3.79M▼ 0.6%
Operating result€-35k-€-15k▲ 57.6%€-16k▼ 6.4%€-16k▲ 1.7%€-19k▼ 18.1%
Net result€-38k-€-17k▲ 54.4%€-18k▼ 5.1%€-18k▲ 0.7%€-21k▼ 17.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19k in 2024 against €16k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €5.05M
Fixed assets
€4.34M▼ 0.2%
Current assets
€707k▼ 0.2%
Equity and liabilities €5.05M
Equity
€3.79M▼ 0.6%
Debt
€1.26M▲ 0.8%
The debt ratio rises from 24.7% to 25.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-10k▼
2023 · €-7k
Cash flow
€-12k▼
2023 · €-9k
Solvency
75.0%▼
2023 · 75.3%
Current ratio
0.56▼
2023 · 0.57
Quick ratio
0.02▼
2023 · 0.03
Debt / equity
0.33▲
2023 · 0.33
ROE
-0.6%▼
2023 · -0.5%
ROA
-0.4%▼
2023 · -0.4%
Interest coverage
-4.04▼
2023 · -3.85
Debt
€1.26M▲
2023 · €1.25M
Debt ≤ 1 year
€1.26M▲
2023 · €1.25M
Income taxes
€303▼
2023 · €388
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€5.06M€5.05M▼
Fixed assets21/28€4.35M€4.34M▼
Tangible fixed assets22/27€445k€437k▼
Land and buildings22€445k€436k▼
Plant, machinery and equipment23€166€67▼
Financial fixed assets28€3.90M€3.90M=
Current assets29/58€709k€707k▼
Stocks and contracts in progress3€676k€678k▲
Stocks30/36€676k€678k▲
Amounts receivable within one year40/41€21k€22k▲
Other amounts receivable41€21k€22k▲
Cash at bank and in hand54/58€13k€7k▼
Equity and liabilities
Total equity and liabilities10/49€5.06M€5.05M▼
Equity10/15€3.81M€3.79M▼
Contributions10/11€3.90M€3.90M=
Reserves13€20k€20k=
Non-distributable reserves130/1€20k€20k=
Reserves not available under the articles1311€20k€20k=
Profit (loss) carried forward14€-113k€-134k▼
Amounts payable17/49€1.25M€1.26M▲
Amounts payable within one year42/48€1.25M€1.26M▲
Trade debts44€71€1k▲
Suppliers440/4€71€1k▲
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€1.25M€1.26M▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€-5k€-8k▼
Operating profit (loss)9901€-16k€-19k▼
Financial income75/76B€0€250▲
Recurring financial income75€0€250▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-17k€-21k▼
Income taxes67/77€388€303▼
Profit (loss) for the period9904€-18k€-21k▼
Profit (loss) for the period to be appropriated9905€-18k€-21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-113k€-134k▼
Profit (loss) brought forward from the previous period14P€-95k€-113k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 183 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-38k
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 38 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mont-Saint-Guibert · 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.
Avenue des Genêts 81435 Mont-Saint-GuibertGround area
1,670 m²
Building footprint
373 m²
Volume, LiDAR
1,745 m³
Parcel 25040A0012/00L019, Wallonia · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue des Genêts 8, 1435 Mont-Saint-Guibert
since 20162.252.448.678
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25040A0012/00L019 | Wallonia | 1,670 m² | 1 · 372 m² | 6.6 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 9,633 companies in sector 68121 we hold annual accounts for 7,327. 2,165 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2016
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.