JCA
ActiveSummary
JCA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €144k and a net result of €52k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 36% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+1
Solvency42▲+7
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.41 against 0.06 in 2024; short-term debt: 42.5% and cash: 15% of total assets), and 82.7% 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 · 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
17.3%
Return on assets
6.2%
Age of the figures
12 mo
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €144k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
22 d early
2023
32 d early
2022
30 d early
2021
2 d early
2020
1 d early
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€144k▲ 56.0%
2024 · €92k
2018: €115k
2019: €121k
2020: €123k
2021: €66k
2022: €21k
2023: €43k
2024: €92k
2018 → 2025
Total assets
€832k▼ 8.8%
2024 · €913k
2018: €435k
2019: €386k
2020: €377k
2021: €1.11M
2022: €1.00M
2023: €951k
2024: €913k
2018 → 2025
Net result
€52k▲ 5.2%
2024 · €49k
2018: €28k
2019: €6k
2020: €2k
2021: €-57k
2022: €-45k
2023: €22k
2024: €49k
2018 → 2025
Working capital
€-209k▲ 38.0%
2024 · €-337k
2018: €4k
2019: €4k
2020: €3k
2021: €-397k
2022: €-395k
2023: €-376k
2024: €-337k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€21k▼ 67.6%€43k▲ 101%€92k▲ 114%€144k▲ 56.0%
Operating result€-74k-€-33k▲ 55.2%€30k€63k▲ 107%€62k▼ 0.7%
Net result€-57k-€-45k▲ 22.0%€22k€49k▲ 127%€52k▲ 5.2%
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 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €832k
Fixed assets
€687k ▼ 22.9%
Current assets
€145k ▲ 589%
Equity and liabilities €832k
Equity
€144k ▲ 56.0%
Debt
€689k ▼ 16.1%
Debt's share of the balance-sheet total falls from 89.9% to 82.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€84k▼
2024 · €103k
Cash flow
€74k▼
2024 · €89k
Current ratio
0.41▲
2024 · 0.06
Debt to equity
4.79▼
2024 · 8.92
ROE
35.9%▼
2024 · 53.3%
ROA
6.2%▲
2024 · 5.4%
Interest coverage
7.87▲
2024 · 7.63
Debt ≤ 1 year
€354k▼
2024 · €358k
Debt > 1 year
€335k▼
2024 · €463k
Staff costs
€-376
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€913k€832k▼
Fixed assets21/28€892k€687k▼
Tangible fixed assets22/27€892k€687k▼
Land and buildings22€879k€677k▼
Plant, machinery and equipment23€13k€10k▼
Furniture and vehicles24€0€0=
Current assets29/58€21k€145k▲
Amounts receivable within one year40/41€3k€5k▲
Trade receivables40€3k-
Other amounts receivable41€0€5k▲
Cash at bank and in hand54/58€18k€125k▲
Deferred charges and accrued income490/1-€15k
Equity and liabilities
Total equity and liabilities10/49€913k€832k▼
Equity10/15€92k€144k▲
Contributions10/11€20k€20k=
Reserves13€46k€46k=
Distributable reserves133€46k€46k=
Profit (loss) carried forward14€26k€78k▲
Amounts payable17/49€821k€689k▼
Amounts payable after more than one year17€463k€335k▼
Financial debts170/4€463k€335k▼
Amounts payable within one year42/48€358k€354k▼
Current portion of amounts payable after more than one year42€46k€34k▼
Trade debts44€17k€3k▼
Suppliers440/4€17k€3k▼
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Remuneration and social security454/9€869-
Other amounts payable47/48€292k€317k▲
Income statement
Code20242025
Non-recurring operating income76A-€109k
Remuneration, social security and pensions62-€-376
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€22k▼
Other operating charges640/8€2k€159▼
Gross operating margin9900€104k€84k▼
Operating profit (loss)9901€63k€62k▼
Financial charges65/66B€13k€11k▼
Recurring financial charges65€13k€11k▼
Profit (loss) for the period before taxes9903€49k€52k▲
Income taxes67/77€275-
Profit (loss) for the period9904€49k€52k▲
Profit (loss) for the period to be appropriated9905€49k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€78k▲
Profit (loss) brought forward from the previous period14P€-23k€26k▲
The notes to these accounts (10 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €52k ▲5.2%
Net result €52k, the highest in the series.
30-09
Financial
Equity above €100kEq €144k ▲56%
3 profitable years in a row build equity to €144k.
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €22k
Net result €22k after 2 loss-making years.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €-57k ▼2928%
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial 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, Deinze · 1 establishment unit since 2011
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.
Leernsesteenweg 1239800 DeinzeGround area
3,500 m²
Building footprint
886 m²
Volume, LiDAR
4,595 m³
2 parcels, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Coco
since 20112.200.919.211
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44006B0698/00F000 | Flanders | 2,485 m² | 1 · 377 m² | 8.6 m · 2 fl. |
| 44011A0689/00Z007 | Flanders | 1,015 m² | 1 · 509 m² | 11.7 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteDeinze2.200.919.211
Similar companies · same sector, comparable size
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ISE
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MMM
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RD COMPANY
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ASIAN EXOTIC MARKET
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Liège · Eq €144,028
Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 4,481 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-05-2011
Fiscal year end30-09
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
10850Manufacture of food products
47241Retail sale of bread and pastry (bakery outlets)
47252Retail sale of beverages, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.