J.D.C. TOPO
ActiveSummary
J.D.C. TOPO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €69k and a net result of €35k. Equity is growing by ~113.3% per year across the filed fiscal years. Its solvency ranks better than 64% of 11615 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency94▲+20
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.35 against 1.99 in 2023; short-term debt: 29.2% and cash: 89% of total assets), and 31.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
44 d early
2022
3 d early
2021
26 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€69k▲ 102%
2023 · €34k
2021: €6k
2022: €17k
2023: €34k
2021 → 2024
Total assets
€100k▲ 45.2%
2023 · €69k
2021: €13k
2022: €35k
2023: €69k
2021 → 2024
Net result
€35k▲ 105%
2023 · €17k
2021: €5k
2022: €11k
2023: €17k
2021 → 2024
Working capital
€69k▲ 108%
2023 · €33k
2021: €3k
2022: €15k
2023: €33k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€6k-€17k▲ 181%€34k▲ 100.0%€69k▲ 102%
Operating result€7k-€15k▲ 118%€24k▲ 55.8%€49k▲ 106%
Net result€5k-€11k▲ 117%€17k▲ 55.2%€35k▲ 105%
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; 2024 is 106% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €100k
Fixed assets
€2k ▼ 10.1%
Current assets
€98k ▲ 47.3%
Equity and liabilities €100k
Equity
€69k ▲ 102%
Debt
€31k ▼ 10.4%
Debt's share of the balance-sheet total falls from 50.7% to 31.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▲
2023 · €25k
Cash flow
€35k▲
2023 · €18k
Current ratio
3.35▲
2023 · 1.99
Debt to equity
0.46▼
2023 · 1.03
ROE
50.6%▲
2023 · 50.0%
ROA
34.8%▲
2023 · 24.7%
Interest coverage
60.63▼
2023 · 87.07
Debt ≤ 1 year
€29k▼
2023 · €33k
Income taxes
€13k▲
2023 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 36 lines
Balance sheet
Code20232024
Assets
Total assets20/58€69k€100k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€3k€2k▼
Current assets29/58€66k€98k▲
Amounts receivable within one year40/41€10k€8k▼
Trade receivables40€8k€6k▼
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€56k€89k▲
Deferred charges and accrued income490/1€375€450▲
Equity and liabilities
Total equity and liabilities10/49€69k€100k▲
Equity10/15€34k€69k▲
Contributions10/11€1k€1k=
Reserves13€33k€68k▲
Distributable reserves133€33k€68k▲
Amounts payable17/49€35k€31k▼
Amounts payable within one year42/48€33k€29k▼
Trade debts44€15k€6k▼
Suppliers440/4€15k€6k▼
Taxes, remuneration and social security45€9k€14k▲
Taxes450/3€9k€14k▲
Other amounts payable47/48€9k€9k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€257▼
Other operating charges640/8€750€762▲
Gross operating margin9900€25k€50k▲
Operating profit (loss)9901€24k€49k▲
Financial charges65/66B€284€809▲
Recurring financial charges65€284€809▲
Profit (loss) for the period before taxes9903€23k€48k▲
Income taxes67/77€6k€13k▲
Profit (loss) for the period9904€17k€35k▲
Profit (loss) for the period to be appropriated9905€17k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€35k▲
Transfer to equity691/2€17k€35k▲
To other reserves6921€17k€35k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2021net €35k ▲105%
Operating result €49k, net result €35k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oudenaarde · 1 establishment unit since 2020
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.
Deinzestraat 2319700 OudenaardeGround area
1,050 m²
Building footprint
137 m²
Volume, LiDAR
924 m³
Parcel 45502C0318/00A000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J.D.C. TOPO
since 20202.307.340.285
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45502C0318/00A000 | Flanders | 1,050 m² | 1 · 137 m² | 8.4 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 107 EUR awarded · 107 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 39 EUR | 39 EUR |
| 2024 | 1 | 68 EUR | 68 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,550 companies in sector 71121 we hold annual accounts for 6,563. 5,109 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
69109Other legal services
71122Land surveying
71209Other technical testing and analysis
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.