J.D.L.
ActiveThe file of J.D.L. contains 2 historical bankruptcy publications, as published in the Belgian State Gazette.
Summary
The computed 12-month bankruptcy probability is 1.9% (moderate). The 2025 annual accounts show equity of €4k and a net result of €-2k. Equity is shrinking by ~4.1% per year across the filed fiscal years.
Checked score
Score 2025
Axes · tick = 2024
Profitability32▼-5
Solvency30▼-3
Growth78=
Track record85
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.05 against 1.08 in 2024; short-term debt: 94.7% and cash: 0.2% of total assets), and 94.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
5.3%
Return on assets
-2.3%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 01-12-2025, 61 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
61 d early
2024
40 d early
2023
112 d late
2021
5 d early
2020
59 d late
2019
32 d late
2018
25 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k▼ 30.0%
2024 · €6k
2019: €-23klowest value
2020: €14k▲ +162% vs 2019highest value
2021: €6k▼ -57.1% vs 2020
2023: €6k
2024: €6k▼ -1.1% vs 2023
2025: €4k▼ -30.0% vs 2024
2019 → 2025
Total assets
€74k▲ 0.2%
2024 · €74k
2019: €17klowest value
2020: €74k▲ +339% vs 2019
2021: €76k▲ +2.3% vs 2020highest value
2023: €74k
2024: €74k● +0.0% vs 2023
2025: €74k▲ +0.2% vs 2024
2019 → 2025
Net result
€-2k▼ 2,646%
2024 · €-61
2019: €-9klowest value
2020: €38k▲ +527% vs 2019highest value
2021: €-8k▼ -122% vs 2020
2023: €-479
2024: €-61▲ +87.3% vs 2023
2025: €-2k▼ -2646% vs 2024
2019 → 2025
Working capital
€4k▼ 31.8%
2024 · €5k
2019: €-24klowest value
2020: €14k▲ +159% vs 2019highest value
2021: €6k▼ -58.5% vs 2020
2023: €5k
2024: €5k▼ -1.1% vs 2023
2025: €4k▼ -31.8% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€14k-€6k▼ 57.1%€6k▼ 7.8%€6k▼ 1.1%€4k▼ 30.0%
2020: €14khighest value
2021: €6k▼ -57.1% vs 2020
2023: €6k
2024: €6k▼ -1.1% vs 2023
2025: €4k▼ -30.0% vs 2024lowest value
Operating result€38k-€-8k€-348▲ 95.6%€-61▲ 82.5%€-2k▼ 2,546%
2020: €38khighest value
2021: €-8k▼ -121% vs 2020lowest value
2023: €-348
2024: €-61▲ +82.5% vs 2023
2025: €-2k▼ -2546% vs 2024
Net result€38k-€-8k€-479▲ 94.1%€-61▲ 87.3%€-2k▼ 2,646%
2020: €38khighest value
2021: €-8k▼ -122% vs 2020lowest value
2023: €-479
2024: €-61▲ +87.3% vs 2023
2025: €-2k▼ -2646% vs 2024
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 €2k in 2025 against €61 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €74k
Fixed assets
€325 =
Current assets
€74k ▲ 0.2%
Equity and liabilities €74k
Equity
€4k ▼ 30.0%
Debt
€70k ▲ 2.6%
Debt's share of the balance-sheet total rises from 92.5% to 94.7%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.05▼
2024 · 1.08
Debt to equity
17.97▲
2024 · 12.26
ROE
-42.8%▼
2024 · -1.1%
ROA
-2.3%▼
2024 · -0.1%
Debt ≤ 1 year
€70k▲
2024 · €68k
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 · 2025 against 2024 · 33 lines
Balance sheet
Code20242025
Assets
Total assets20/58€74k€74k▲
Fixed assets21/28€325€325=
Financial fixed assets28€325€325=
Current assets29/58€74k€74k▲
Amounts receivable within one year40/41€74k€74k=
Trade receivables40€74k€74k=
Other amounts receivable41€227€227=
Cash at bank and in hand54/58€22€146▲
Equity and liabilities
Total equity and liabilities10/49€74k€74k▲
Equity10/15€6k€4k▼
Contributions10/11€19k€19k=
Reserves13€30k€30k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€28k€28k=
Profit (loss) carried forward14€-43k€-45k▼
Amounts payable17/49€68k€70k▲
Amounts payable within one year42/48€68k€70k▲
Trade debts44-€222
Suppliers440/4-€222
Taxes, remuneration and social security45€68k-
Remuneration and social security454/9€68k-
Other amounts payable47/48-€70k
Income statement
Code20242025
Other operating charges640/8-€319
Gross operating margin9900€-61€-1k▼
Operating profit (loss)9901€-61€-2k▼
Financial charges65/66B-€61
Recurring financial charges65-€61
Profit (loss) for the period before taxes9903€-61€-2k▼
Profit (loss) for the period9904€-61€-2k▼
Profit (loss) for the period to be appropriated9905€-61€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-43k€-45k▼
Profit (loss) brought forward from the previous period14P€-43k€-43k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | - | - | - | €319 | - |
| Gross operating margin9900 | €38k | €-8k | €-348 | €-61 | €-1k | ▼ 2,023% |
| Operating profit (loss)9901 | €38k | €-8k | €-348 | €-61 | €-2k | ▼ 2,546% |
| Financial charges65/66B | - | - | €131 | - | €61 | - |
| Recurring financial charges65 | €38 | €49 | €131 | - | €61 | - |
| Profit (loss) for the period before taxes9903 | €38k | €-8k | €-479 | €-61 | €-2k | ▼ 2,646% |
| Profit (loss) for the period9904 | €38k | €-8k | €-479 | €-61 | €-2k | ▼ 2,646% |
| Profit (loss) for the period to be appropriated9905 | €38k | €-8k | €-479 | €-61 | €-2k | ▼ 2,646% |
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €74k | €76k | €74k | €74k | €74k | ▲ 0.2% |
| Fixed assets21/28 | €325 | €325 | €325 | €325 | €325 | = |
| Tangible fixed assets22/27 | €0 | - | - | - | - | - |
| Financial fixed assets28 | €325 | €325 | €325 | €325 | €325 | = |
| Current assets29/58 | €74k | €75k | €74k | €74k | €74k | ▲ 0.2% |
| Amounts receivable within one year40/41 | €74k | €74k | €74k | €74k | €74k | = |
| Trade receivables40 | - | - | €74k | €74k | €74k | = |
| Other amounts receivable41 | - | - | €227 | €227 | €227 | = |
| Cash at bank and in hand54/58 | €261 | €2k | €8 | €22 | €146 | ▲ 564% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €74k | €76k | €74k | €74k | €74k | ▲ 0.2% |
| Equity10/15 | €14k | €6k | €6k | €6k | €4k | ▼ 30.0% |
| Contributions10/11 | €19k | - | €19k | €19k | €19k | = |
| Reserves13 | €30k | €30k | €30k | €30k | €30k | = |
| Non-distributable reserves130/1 | - | - | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | - | €2k | €2k | €2k | = |
| Distributable reserves133 | - | - | €28k | €28k | €28k | = |
| Profit (loss) carried forward14 | €-34k | €-42k | €-43k | €-43k | €-45k | ▼ 3.9% |
| Amounts payable17/49 | €60k | €70k | €68k | €68k | €70k | ▲ 2.6% |
| Amounts payable within one year42/48 | €60k | €70k | €68k | €68k | €70k | ▲ 2.6% |
| Trade debts44 | €225 | €389 | €388 | - | €222 | - |
| Suppliers440/4 | - | - | €388 | - | €222 | - |
| Taxes, remuneration and social security45 | - | - | €68k | €68k | - | - |
| Remuneration and social security454/9 | - | - | €68k | €68k | - | - |
| Other amounts payable47/48 | - | - | - | - | €70k | - |
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €38k | €-8k | €-479 | €-61 | €-2k | ▼ 2,646% |
| Operating cash flow (approximation) | €38k | €-8k | €-479 | €-61 | €-2k | ▼ 2,646% |
| Investment in fixed assets (approximation) | - | €0 | - | €0 | €0 | - |
| Change in cash | - | €1k | - | €14 | €124 | ▲ 786% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
01-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
22-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
22-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 112 days late
2022
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
2020
30-06
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 1.23
Current ratio from 0.41 to 1.23.
03-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
25-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 25 days late
25-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 390 days late
2018
20-11
Bankruptcy
Bankruptcy reversal
Tribunal de commerce francophone de Bruxelles · event 22-10-2018
31-08
Bankruptcy
Opening
Tribunal de commerce francophone de Bruxelles · event 27-08-2018
2017
27-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 55 days late
2015
27-11
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Watermaal-Bosvoorde · 1 establishment unit since 1995
Ground area
2.0 ha
Building footprint
657 m²
Volume, LiDAR
16,702 m³
2 parcels, Brussels, Wallonia · tallest building 40.7 m, ±12 floors. Linked by address, not a title deed.
321
companies at this address
See who is registered here
1 establishment unit
Rue Arthur Hardy 8, 1300 Wavre
since 19952.072.045.110
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0214/00F000 | Brussels | 1.4 ha | 1 · 398 m² | 40.7 m · 12 fl. |
| 25055D0239/00H000 | Wallonia | 6,107 m² | 1 · 259 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | FRANCOISE HANSSENS-ENSCH AVENUE LOUISE 349
BTE 17, 1050 FR BRUXELLES 5- .
Date provisoire de cessation de paiement : 27/02/2018 |
27-08-2018 → 22-10-2018 |
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded13-06-1995
Fiscal year end30-06
Scores and ratios are computed by Checked and are not a credit decision.