JC IMMO
ActiveJC IMMO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €430k and a net result of €2k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability69▲+9
Solvency49▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.34 in 2023; short-term debt: 12.5% and cash: 0.5% of total assets), and 75.8% 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.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
457 d late
2022
32 d late
2021
25 d late
2020
61 d late
2019
46 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2k
2023 · €-85k
2018: €31k
2019: €40k
2020: €144k
2021: €188k
2022: €-656
2023: €-85k
2018 → 2024
Working capital
€85k▲ 11.7%
2023 · €76k
2018: €119k
2019: €109k
2020: €335k
2021: €317k
2022: €151k
2023: €76k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€325k-€513k▲ 58.0%€513k▼ 0.1%€428k▼ 16.5%€430k▲ 0.4%
Operating result€238k-€223k▼ 6.3%€21k▼ 90.7%€24k▲ 13.4%€22k▼ 8.6%
Net result€144k-€188k▲ 31.0%€-656€-85k▼ 12,803%€2k
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 9% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.77M
Fixed assets
€1.47M▼ 6.1%
Current assets
€307k▲ 1.6%
Equity and liabilities €1.77M
Equity
€430k▲ 0.4%
Provisions
€65k▼ 10.5%
Debt
€1.28M▼ 6.3%
The debt ratio falls from 73.1% to 72.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€118k▼
2023 · €120k
Cash flow
€98k▲
2023 · €11k
Solvency
24.2%▲
2023 · 22.9%
Current ratio
1.38▲
2023 · 1.34
Quick ratio
1.38▲
2023 · 1.34
Debt / equity
2.98▼
2023 · 3.19
ROE
0.4%▲
2023 · -19.8%
ROA
0.1%▲
2023 · -4.5%
Interest coverage
6.05▲
2023 · 5.65
Debt
€1.28M▼
2023 · €1.36M
Debt ≤ 1 year
€222k▼
2023 · €226k
Debt > 1 year
€1.06M▼
2023 · €1.14M
Income taxes
€8k▼
2023 · €87k
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€1.86M€1.77M▼
Formation expenses20€643€466▼
Fixed assets21/28€1.56M€1.47M▼
Tangible fixed assets22/27€1.56M€1.47M▼
Land and buildings22€1.51M€1.42M▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€45k€39k▼
Current assets29/58€302k€307k▲
Amounts receivable within one year40/41€297k€298k▲
Trade receivables40€156k€296k▲
Other amounts receivable41€140k€2k▼
Cash at bank and in hand54/58€5k€9k▲
Equity and liabilities
Total equity and liabilities10/49€1.86M€1.77M▼
Equity10/15€428k€430k▲
Contributions10/11€19k€19k=
Reserves13€236k€213k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€234k€211k▼
Profit (loss) carried forward14€173k€198k▲
Provisions and deferred taxes16€73k€65k▼
Deferred taxes168€73k€65k▼
Amounts payable17/49€1.36M€1.28M▼
Amounts payable after more than one year17€1.14M€1.06M▼
Financial debts170/4€1.14M€1.06M▼
Amounts payable within one year42/48€226k€222k▼
Current portion of amounts payable after more than one year42€87k€83k▼
Trade debts44€8k€2k▼
Suppliers440/4€8k€2k▼
Taxes, remuneration and social security45€31k€36k▲
Taxes450/3€31k€36k▲
Other amounts payable47/48€100k€100k=
Accrued charges and deferred income492/3€249€788▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€96k€96k▼
Other operating charges640/8€18k€18k▲
Gross operating margin9900€137k€136k▼
Operating profit (loss)9901€24k€22k▼
Financial charges65/66B€21k€19k▼
Recurring financial charges65€21k€19k▼
Profit (loss) for the period before taxes9903€2k€2k▼
Transfer from deferred taxes780-€8k
Income taxes67/77€87k€8k▼
Profit (loss) for the period9904€-85k€2k▲
Transfer from tax-exempt reserves789-€23k
Profit (loss) for the period to be appropriated9905€-85k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€173k€198k▲
Profit (loss) brought forward from the previous period14P€258k€173k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 457 days late
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
2023
31-12
Financial
Weakest financial yearnet €-85k
Net result drops to €-85k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Highest result since 2018net €188k ▲31%
Net result €188k, the highest in the series.
31-12
Financial
Equity above €500kEq €513k ▲58%
4 profitable years in a row build equity to €513k.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 61 days late
2020
31-12
Financial
Liquidity times 8current ratio 9.85
Current ratio from 1.23 to 9.85; short-term debt falls from €466k to €38k.
31-12
Financial
Equity above €200kEq €325k ▲79.3%
3 profitable years in a row build equity to €325k.
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 46 days late
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 27 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 days late
2016
11-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Rochefort · 1 establishment unit since 2004
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.
Rue de la Libération 455580 RochefortGround area
2,430 m²
Building footprint
239 m²
Volume, LiDAR
344 m³
2 parcels, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JC IMMO
since 20042.135.963.754
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91114A0639/00Z000 | Wallonia | 2,215 m² | 1 · 193 m² | - |
| 82302C0945/00D005 | Wallonia | 215 m² | 1 · 46 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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
XTREME-BIKE BONTE
BE 0886.153.792
Brugge · Eq €430k
Fietsen Delobelle
BE 0775.682.967
Avelgem · Eq €432k
DE FIETSENMAKER
BE 0832.151.320
Zedelgem · Eq €427k
RIJWIELEN MARTIN TILLO
BE 0757.658.486
Staden · Eq €426k
T & O BIKES
BE 0889.082.402
Leuven · Eq €426k
Of 1,467 companies in sector 47632 we hold annual accounts for 733. 589 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-01-2004
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
52740
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.