JC Heating Solutions
ActiveThe computed 12-month bankruptcy probability of JC Heating Solutions is 2.3% (moderate). The 2025 annual accounts show equity of €26k and a net result of €6k. Its solvency ranks better than 60% of 27711 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-28
Solvency81▼-10
Growth52
Track record82
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.3 against 2.91 in 2024; short-term debt: 43.6% and cash: 41.6% of total assets), and 43.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
56.4%
Return on assets
13.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
25 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▲ 26.6%
2024 · €21k
2024: €21k
2024 → 2025
Total assets
€46k▲ 47.2%
2024 · €31k
2024: €31k
2024 → 2025
Net result
€6k▼ 59.0%
2024 · €15k
2024: €15k
2024 → 2025
Working capital
€26k▲ 26.6%
2024 · €21k
2024: €21k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€21k-€26k▲ 26.6%
Operating result€20k-€9k▼ 53.6%
Net result€15k-€6k▼ 59.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €46k
Equity
€26k▲ 26.6%
Debt
€20k▲ 86.3%
The debt ratio rises from 34.4% to 43.6%. Equity and debt are higher.
Key figures and ratios
Solvency
56.4%▼
2024 · 65.6%
Current ratio
2.30▼
2024 · 2.91
Quick ratio
2.30▼
2024 · 2.91
Debt / equity
0.77▲
2024 · 0.52
ROE
24.2%▼
2024 · 74.9%
ROA
13.7%▼
2024 · 49.1%
Debt
€20k▲
2024 · €11k
Debt ≤ 1 year
€20k▲
2024 · €11k
Income taxes
€2k▼
2024 · €4k
Staff costs
€68
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€31k€46k▲
Current assets29/58€31k€46k▲
Amounts receivable within one year40/41€5k€27k▲
Trade receivables40€3k€26k▲
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€26k€19k▼
Equity and liabilities
Total equity and liabilities10/49€31k€46k▲
Equity10/15€21k€26k▲
Contributions10/11€6k€6k=
Reserves13€15k€20k▲
Distributable reserves133€15k€20k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€11k€20k▲
Amounts payable within one year42/48€11k€20k▲
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€5k€11k▲
Taxes450/3€5k€11k▲
Other amounts payable47/48€833€833=
Income statement
Code20242025
Remuneration, social security and pensions62-€68
Other operating charges640/8€912€908▼
Gross operating margin9900€21k€10k▼
Operating profit (loss)9901€20k€9k▼
Financial income75/76B€4€32▲
Recurring financial income75€4€32▲
Financial charges65/66B€4€393▲
Recurring financial charges65€4€393▲
Profit (loss) for the period before taxes9903€20k€9k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€15k€6k▼
Profit (loss) for the period to be appropriated9905€15k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€6k▼
Transfer to equity691/2€15k€5k▼
To other reserves6921€15k€5k▼
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
NBB filing
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, Zonhoven · 1 establishment unit since 2023
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.
Rode Kruisweg 463520 ZonhovenGround area
741 m²
Building footprint
541 m²
Parcel 71443F0030/00V000, Flanders. Linked by address, not a title deed.
1 establishment unit
JC Heating Solutions
since 20232.351.955.238
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443F0030/00V000 | Flanders | 741 m² | 1 · 541 m² | - |
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.
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Of 22,826 companies in sector 43211 we hold annual accounts for 10,327. 7,746 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2023
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.