Jacky CHOFFRAY
ActiveThe file of Jacky CHOFFRAY contains 1 historical bankruptcy publication, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 0.4% (very low). The 2024 annual accounts show equity of €69k and a net result of €8k. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 58% of 9519 sector peers (fiscal year 2024).
Checked score
Score 2024
93
/ 100
Excellent▼ -7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability60▼-37
Solvency90▼-7
Growth52=
Stability85
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 1.65 against 1.95 in 2023), and 41.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
58.9%
Return on assets
7%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
68 d late
2022
49 d late
2021
197 d late
2020
634 d late
2019
999 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€7k▼ 89.3%
2019 · €63k
2019: €63k
2019 → 2020
EBIT margin
-126.2%▼ 131.1pp
2019 · 4.9%
2019: 4.9%
2019 → 2020
Net result
€8k▼ 30.4%
2023 · €12k
2018: €6k
2019: €1k
2020: €-8k
2021: €32k
2022: €5k
2023: €12k
2018 → 2024
Working capital
€31k▼ 18.3%
2023 · €38k
2018: €-6k
2019: €-610
2020: €-2k
2021: €37k
2022: €19k
2023: €38k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€7k-
Equity€12k-€44k▲ 275%€49k▲ 10.3%€61k▲ 24.2%€69k▲ 13.5%
Operating result€-9k-€32k€5k▼ 85.9%€13k▲ 187%€21k▲ 60.6%
Net result€-8k-€32k€5k▼ 85.9%€12k▲ 158%€8k▼ 30.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 61% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €117k
Fixed assets
€38k▲ 67.0%
Current assets
€79k▲ 1.2%
Equity and liabilities €117k
Equity
€69k▲ 13.5%
Debt
€48k▲ 19.7%
The debt ratio rises from 39.8% to 41.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€33k▲
2023 · €24k
Cash flow
€20k▼
2023 · €23k
Solvency
58.9%▼
2023 · 60.2%
Current ratio
1.65▼
2023 · 1.95
Quick ratio
1.65▼
2023 · 1.95
Debt / equity
0.70▲
2023 · 0.66
ROE
11.9%▼
2023 · 19.5%
ROA
7.0%▼
2023 · 11.7%
Interest coverage
15.06▼
2023 · 37.80
Debt
€48k▲
2023 · €40k
Debt ≤ 1 year
€48k▲
2023 · €40k
Income taxes
€2k
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€101k€117k▲
Fixed assets21/28€23k€38k▲
Tangible fixed assets22/27€22k€38k▲
Furniture and vehicles24€22k€38k▲
Financial fixed assets28€200€200=
Current assets29/58€78k€79k▲
Amounts receivable within one year40/41€69k€66k▼
Trade receivables40€32k€9k▼
Other amounts receivable41€37k€56k▲
Cash at bank and in hand54/58€9k€14k▲
Equity and liabilities
Total equity and liabilities10/49€101k€117k▲
Equity10/15€61k€69k▲
Contributions10/11€19k€19k=
Reserves13€511€511=
Non-distributable reserves130/1€511€511=
Reserves not available under the articles1311€511€511=
Profit (loss) carried forward14€42k€50k▲
Amounts payable17/49€40k€48k▲
Amounts payable within one year42/48€40k€48k▲
Financial debts43€3k€11k▲
Credit institutions430/8€3k€11k▲
Trade debts44€32k€19k▼
Suppliers440/4€32k€19k▼
Taxes, remuneration and social security45€5k€18k▲
Taxes450/3€5k€18k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€106€519▲
Gross operating margin9900€24k€34k▲
Operating profit (loss)9901€13k€21k▲
Financial income75/76B€19€27▲
Recurring financial income75€19€27▲
Financial charges65/66B€642€11k▲
Recurring financial charges65€642€2k▲
Non-recurring financial charges66B-€9k
Profit (loss) for the period before taxes9903€13k€10k▼
Transfer to deferred taxes680€698-
Income taxes67/77-€2k
Profit (loss) for the period9904€12k€8k▼
Profit (loss) for the period to be appropriated9905€12k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€50k▲
Profit (loss) brought forward from the previous period14P€30k€42k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 49 days late
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 634 days late
26-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 999 days late
09-03
Bankruptcy
Judicial dissolution
Tribunal de l’entreprise de Liège, division Neufchâteau · JACKY CHOFFRAY SPRL- MAGERET 87, 6600 BASTOGNE
13-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 197 days late
2021
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.06
Current ratio from 0.90 to 2.06.
2020
31-12
Financial
Weakest financial yearnet €-8k ▼919%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 142 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
19-07
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.
Directors · office · real estate
Directors
4 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, Libramont-Chevigny · 1 establishment unit since 2012
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.
Libramont,Rue du Serpont 1236800 Libramont-ChevignyGround area
1,178 m²
Building footprint
193 m²
Parcel 82034E0260/00H000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Establishment
since 20122.213.250.285
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82034E0260/00H000 | Wallonia | 1,178 m² | 1 · 193 m² | - |
Linked by address, not proof of ownership
Methodology
via establishment units: 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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Positive Power
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EMISYS
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Of 4,559 companies in sector 82300 we hold annual accounts for 1,662. 1,298 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-09-2012
Fiscal year end31-12
Activities, NACEBEL
82300Organisation of conventions and trade shows
74109Other professional, scientific and technical activities
74140Other specialised design activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.