Summary
JACD is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €20,003 and a net result of €187,643. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 8% of 492 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 492 sector peers (2025).
NBB · sector comparisonPosition among 492 sector peers
Solvency
better than 8%
← weakest
strongest →
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 · 5 filingsDeviation from the deadline
2025
61 d early
2024
92 d early
2023
62 d early
2022
31 d early
2021
124 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 74 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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 close26-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check What held for this company on a given day: board, seat, name?Company as of a date
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Financials · fiscal year 2025, full schema
In the rankings
#9 fastest grower in Aywaille
Equity
€20,003=
2024 · €20,003
Net result
€187,643▼ 32.8%
2024 · €279,062
Total assets
€747,466▼ 13.3%
2024 · €862,503
Solvency
2.7%▲ 0.4pp
2024 · 2.3%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€525,618-€641,218▲ 22.0%€418,261▼ 34.8%€407,211▼ 2.6%€276,408▼ 32.1%
Net result€380,720-€464,428▲ 22.0%€295,325▼ 36.4%€279,062▼ 5.5%€187,643▼ 32.8%
Equity€20,000-€20,000=€20,001=€20,003=€20,003=
Total assets€944,162-€1.1m▲ 17.9%€957,496▼ 14.0%€862,503▼ 9.9%€747,466▼ 13.3%
Debt€924,162-€1.1m▲ 18.3%€937,494▼ 14.2%€842,500▼ 10.1%€727,463▼ 13.7%
Working capital-€37,151--€60,110▼ 61.8%-€93,889▼ 56.2%-€106,101▼ 13.0%-€103,704▲ 2.3%
Solvency2.1%-1.8%▼ 0.3pp2.1%▲ 0.3pp2.3%▲ 0.2pp2.7%▲ 0.4pp
Staff (FTE)12.5-11.9▼ 4.8%12.1▲ 1.7%13.9▲ 14.9%12.3▼ 11.5%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 32% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €747,466
Fixed assets
€217,239 ▼ 16.1%
Current assets
€530,227 ▼ 12.2%
Equity and liabilities €747,466
Equity
€20,003 =
Debt
€727,463 ▼ 13.7%
Debt's share of the balance-sheet total falls from 97.7% to 97.3%. Debt is lower.
Key figures and ratios
ROE
938.1%
ROA
25.1%▼
2024 · 32.4%
Debt ≤ 1 year
€633,931▼
2024 · €709,725
Debt > 1 year
€93,532▼
2024 · €132,775
Income taxes
€81,222▼
2024 · €115,178
Staff costs
€971,205▼
2024 · €1.1m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €795,057 | €858,083 | €1.1m | €971,205 | ▼ 10.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,760 | €14,693 | €22,387 | €34,696 | €26,536 | ▼ 23.5% |
| Other operating charges640/8 | - | €2,067 | €3,041 | €3,796 | €6,542 | ▲ 72.3% |
| Gross operating margin9900 | €1.4m | €1.5m | €1.3m | €1.5m | €1.3m | ▼ 16.1% |
| Operating profit (loss)9901 | €525,618 | €641,218 | €418,261 | €407,211 | €276,408 | ▼ 32.1% |
| Financial income75/76B | - | €1 | €1 | €657 | €2,412 | ▲ 267% |
| Recurring financial income75 | - | €1 | €1 | €657 | €2,412 | ▲ 267% |
| Financial charges65/66B | - | €6,722 | €9,238 | €13,629 | €9,955 | ▼ 27.0% |
| Recurring financial charges65 | €7,363 | €6,722 | €9,238 | €13,629 | €9,955 | ▼ 27.0% |
| Profit (loss) for the period before taxes9903 | €518,255 | €634,497 | €409,024 | €394,240 | €268,865 | ▼ 31.8% |
| Income taxes67/77 | €137,535 | €170,069 | €113,698 | €115,178 | €81,222 | ▼ 29.5% |
| Profit (loss) for the period9904 | €380,720 | €464,428 | €295,325 | €279,062 | €187,643 | ▼ 32.8% |
| Profit (loss) for the period to be appropriated9905 | €380,720 | €464,428 | €295,325 | €279,062 | €187,643 | ▼ 32.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €944,162 | €1.1m | €957,496 | €862,503 | €747,466 | ▼ 13.3% |
| Fixed assets21/28 | €193,190 | €221,611 | €293,575 | €258,879 | €217,239 | ▼ 16.1% |
| Tangible fixed assets22/27 | €192,240 | €220,661 | €292,625 | €257,929 | €216,289 | ▼ 16.1% |
| Land and buildings22 | - | €190,472 | €182,189 | €173,905 | €166,240 | ▼ 4.4% |
| Furniture and vehicles24 | - | €30,189 | €110,436 | €84,024 | €50,049 | ▼ 40.4% |
| Financial fixed assets28 | €950 | €950 | €950 | €950 | €950 | = |
| Current assets29/58 | €750,972 | €891,255 | €663,921 | €603,623 | €530,227 | ▼ 12.2% |
| Amounts receivable within one year40/41 | €222,468 | €235,870 | €225,162 | €229,382 | €215,453 | ▼ 6.1% |
| Trade receivables40 | - | €235,870 | €225,162 | €229,382 | €205,954 | ▼ 10.2% |
| Other amounts receivable41 | - | - | - | - | €9,499 | - |
| Cash at bank and in hand54/58 | €522,359 | €653,062 | €435,518 | €372,013 | €312,059 | ▼ 16.1% |
| Deferred charges and accrued income490/1 | - | €2,323 | €3,240 | €2,228 | €2,715 | ▲ 21.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €944,162 | €1.1m | €957,496 | €862,503 | €747,466 | ▼ 13.3% |
| Equity10/15 | €20,000 | €20,000 | €20,001 | €20,003 | €20,003 | = |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | - | - | €1 | €3 | €3 | ▲ 1.0% |
| Distributable reserves133 | - | - | €1 | €3 | €3 | ▲ 1.0% |
| Amounts payable17/49 | €924,162 | €1.1m | €937,494 | €842,500 | €727,463 | ▼ 13.7% |
| Amounts payable after more than one year17 | €136,039 | €140,730 | €179,685 | €132,775 | €93,532 | ▼ 29.6% |
| Financial debts170/4 | - | €140,730 | €179,685 | €132,775 | €93,532 | ▼ 29.6% |
| Amounts payable within one year42/48 | €788,123 | €951,365 | €757,810 | €709,725 | €633,931 | ▼ 10.7% |
| Current portion of amounts payable after more than one year42 | - | €54,509 | €96,231 | €127,447 | €156,158 | ▲ 22.5% |
| Trade debts44 | €144,975 | €159,182 | €155,805 | €124,438 | €148,653 | ▲ 19.5% |
| Suppliers440/4 | - | €159,182 | €155,805 | €124,438 | €148,653 | ▲ 19.5% |
| Taxes, remuneration and social security45 | - | €273,245 | €210,449 | €178,780 | €141,127 | ▼ 21.1% |
| Taxes450/3 | - | €159,404 | €82,462 | €25,062 | €1,661 | ▼ 93.4% |
| Remuneration and social security454/9 | - | €113,842 | €127,987 | €153,717 | €139,466 | ▼ 9.3% |
| Other amounts payable47/48 | - | €464,429 | €295,324 | €279,060 | €187,993 | ▼ 32.6% |
| Accrued charges and deferred income492/3 | - | €771 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €380,720 | €464,428 | €295,325 | €279,062 | €187,643 | ▼ 32.8% |
| + Depreciation and write-downs630 | €2,760 | €14,693 | €22,387 | €34,696 | €26,536 | ▼ 23.5% |
| Operating cash flow (approximation) | €383,481 | €479,121 | €317,713 | €313,757 | €214,178 | ▼ 31.7% |
| Investment in fixed assets (approximation) | - | -€43,115 | -€94,351 | €0 | €15,105 | - |
| Change in cash | - | €130,703 | -€217,544 | -€63,505 | -€59,954 | ▲ 5.6% |
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 · full schema
30-06
Financial
Weakest financial yearnet €187,643 ▼32.8%
Net result drops to €187,643, the lowest in the series.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
31-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
30-06
Financial
Highest result since 2021net €464,428 ▲22%
Operating result €641,218, net result €464,428, both a record.
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Aywaille · 3 establishment units since 2020
Ground area
8,112 m²
Building footprint
1,251 m²
Volume, LiDAR
6,914 m³
4 parcels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
3 establishment units
Agence BNP Paribas Fortis NEUPRE
since 20202.302.697.549
Agence BNP Paribas Fortis OUFFET
since 20202.302.697.648
Agence BNP Paribas Fortis BONCELLES
since 20202.302.697.747
4 parcels
Wallonia
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62019B0173/00N000 | Wallonia | 3,890 m² | 1 · 1,014 m² | 7.0 m · 2 fl. |
| 62009A0712/00D000 | Wallonia | 2,625 m² | 1 · 107 m² | 9.1 m · 3 fl. |
| 62090C0001/00R000 | Wallonia | 834 m² | - | - |
| 61048D0250/00L003 | Wallonia | 763 m² | 1 · 130 m² | 10.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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AGENCE HOYOS
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 542 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-03-2020
Fiscal year end30-06
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Contact
E-mail
denis.robert@bnpparibasfortis.com
Phone
+3243618571
Scores and ratios are computed by Checked and are not a credit decision.