JC FONTES
ActiveThe computed 12-month bankruptcy probability of JC FONTES is 3.8% (moderate). The 2024 annual accounts show equity of €141k and a net result of €48k. Equity is growing by ~43.1% per year across the filed fiscal years. Its solvency ranks better than 77% of 9981 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability98▲+2
Solvency93▲+4
Growth52=
Track record94
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.78 against 2.55 in 2023; short-term debt: 31.9% and cash: 0.5% of total assets), and 31.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-10-2025, 77 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
77 d late
2023
33 d late
2022
58 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€141k▲ 51.7%
2023 · €93k
2022: €61k
2023: €93k
2022 → 2024
Total assets
€208k▲ 42.9%
2023 · €145k
2022: €101k
2023: €145k
2022 → 2024
Net result
€48k▲ 49.8%
2023 · €32k
2022: €58k
2023: €32k
2022 → 2024
Working capital
€118k▲ 46.6%
2023 · €81k
2022: €60k
2023: €81k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€61k-€93k▲ 52.6%€141k▲ 51.7%
Operating result€81k-€45k▼ 44.3%€67k▲ 48.3%
Net result€58k-€32k▼ 44.6%€48k▲ 49.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 48% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €208k
Fixed assets
€23k▲ 84.7%
Current assets
€185k▲ 39.0%
Equity and liabilities €208k
Equity
€141k▲ 51.7%
Debt
€66k▲ 27.3%
The debt ratio falls from 35.9% to 31.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€73k▲
2023 · €47k
Cash flow
€55k▲
2023 · €34k
Solvency
68.1%▲
2023 · 64.1%
Current ratio
2.78▲
2023 · 2.55
Quick ratio
2.78▲
2023 · 2.55
Debt / equity
0.47▼
2023 · 0.56
ROE
34.1%▼
2023 · 34.5%
ROA
23.2%▲
2023 · 22.1%
Interest coverage
149.36▼
2023 · 180.92
Debt
€66k▲
2023 · €52k
Debt ≤ 1 year
€66k▲
2023 · €52k
Income taxes
€18k▲
2023 · €13k
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€145k€208k▲
Fixed assets21/28€12k€23k▲
Tangible fixed assets22/27€12k€23k▲
Plant, machinery and equipment23€6k€7k▲
Furniture and vehicles24€6k€16k▲
Current assets29/58€133k€185k▲
Amounts receivable within one year40/41€123k€181k▲
Trade receivables40€60k€115k▲
Other amounts receivable41€63k€66k▲
Cash at bank and in hand54/58€8k€1k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€145k€208k▲
Equity10/15€93k€141k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€90k€138k▲
Amounts payable17/49€52k€66k▲
Amounts payable within one year42/48€52k€66k▲
Trade debts44€27k€48k▲
Suppliers440/4€27k€48k▲
Taxes, remuneration and social security45€25k€18k▼
Taxes450/3€25k€18k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€7k▲
Other operating charges640/8€3k€7k▲
Gross operating margin9900€50k€80k▲
Operating profit (loss)9901€45k€67k▲
Financial income75/76B-€40
Recurring financial income75-€40
Financial charges65/66B€261€491▲
Recurring financial charges65€261€491▲
Profit (loss) for the period before taxes9903€45k€66k▲
Income taxes67/77€13k€18k▲
Profit (loss) for the period9904€32k€48k▲
Profit (loss) for the period to be appropriated9905€32k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€90k€138k▲
Profit (loss) brought forward from the previous period14P€58k€90k▲
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
2025
16-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 77 days late
2024
31-12
Financial
Equity above €100kEq €141k ▲51.7%
3 profitable years in a row build equity to €141k.
02-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 33 days late
2023
31-12
Financial
Weakest financial yearnet €32k ▼44.6%
Net result drops to €32k, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 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, Evere
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.
Kolonel Bourgstraat 123-1251140 EvereGround area
2,809 m²
Building footprint
1,531 m²
Volume, LiDAR
18,138 m³
Parcel 21372C0122/00D000, Brussels · tallest building 21.1 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372C0122/00D000 | Brussels | 2,809 m² | 1 · 1,531 m² | 21.1 m · 5 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.
Similar companies · same sector, comparable size
Studie en Constructie van Immobiliëren - Société d'Etudes et de Construction Immobilières
BE 0402.010.164
Dilbeek · Eq €141k
ALGEMENE BOUWWERKEN GOOSSENS
BE 0818.163.821
Genk · Eq €141k
AZIMUT
BE 0790.998.376
Lierde · Eq €141k
HK RENOV
BE 0735.383.625
Anderlecht · Eq €141k
CMA Habitat
BE 0845.434.677
Frameries · Eq €141k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,743 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.