Equity
-€17,549
Debts exceed assets in financial year 2025.
JCA
Lifetime
18 annual accounts with figures on one time axispeak €446,049 (2017)
-€84,665▼ €267,364
lowest -€233,233 (2025)
-€233,233▼ €233,750
peak €400,295 (2022)
-€17,549▼ €233,233
€147,181▼ 81.7%
peak 6.5 FTE (2017)
0.8 FTE▼ 66.7%
Board2 names since 2025
-
Documentsfilings and deeds
28-07-20263 days before the deadline
2025abbreviated format
Gross margin from €182,699 to -€84,665Loss of €233,233Staff from 2.4 FTE to 0.8 FTEEquity from €215,684 to -€17,549Debts from €803,809 to €147,181Cash from €80,463 to €17,469
Key points
from the 2025 annual accountsResult
-€233,233 -€233,233
From profit to loss in 2025, after a profit of €517 in 2024.
Debts
€147,181 114% of the balance sheet
Suppliers 15%Taxes and wages 2%Other 83%
Staff
0.8 FTE from 6.5 in 2017
Between 2017 and 2025, 88% of the full-time equivalents disappeared.
Filings
18 annual accounts since 2008
Three of the last ten came late. The 2023 accounts came latest: 30 days after the end of the period.
Position in the sector
-13.5%
Lower solvency than 95% of companies in specialised construction. Sector median 44.0% · 9,967 companies.
Turnover not published (abbreviated format)
Checked score
34
Weak
Financially stronger than 6% of micro companies in specialised construction (NACE 43)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
4.9% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.6%
01-2025: 1.6%● unchanged vs 12-2024
02-2025: 1.6%● unchanged vs 01-2025
03-2025: 1.6%● unchanged vs 02-2025
04-2025: 1.8%▲ +0.2 percentage points vs 03-2025
05-2025: 1.7%▼ -0.1 percentage points vs 04-2025
06-2025: 1.6%▼ -0.1 percentage points vs 05-2025
07-2025: 1.9%▲ +0.3 percentage points vs 06-2025
08-2025: 0.4%▼ -1.5 percentage points vs 07-2025lowest value
09-2025: 0.4%● unchanged vs 08-2025lowest value
10-2025: 0.4%● unchanged vs 09-2025lowest value
11-2025: 0.4%● unchanged vs 10-2025lowest value
12-2025: 0.4%● unchanged vs 11-2025lowest value
01-2026: 0.4%● unchanged vs 12-2025lowest value
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.5%▲ +0.1 percentage points vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 3.9%▲ +3.4 percentage points vs 07-2026
09-2026: 3.9%● unchanged vs 08-2026
10-2026: 4.9%▲ +1.0 percentage point vs 09-2026highest value
11-2026: 4.9%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Loss of €233,233 (financial year 2025)
Negative equity -€17,549
1 change of registered office in 24 months
lowers risk
Size: 0.8 FTE, total assets €129,632
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 6% of them on solvency, 9% on liquidity, 4% on profitability and 3% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,907 companies had the same profile as JCA has now. Each dot stands for 18 companies, two years later.
85.4%
were still trading
8.1%
stopped another way
5.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of JCA itself: 4.9% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,907 companies, not a prediction for JCA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.64 (1.14 in 2024), below 1. Short-term debt is 113.5% and cash 13.5% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€17,549
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 days early
2024
30 days early
2023
30 days late
2022
29 days late
2021
2 days early
2020
31 days early
2019
50 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 8 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 July (4 of the last 5 accounts filed within 31 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved from Boom to Baarle-Hertog
New registered office: Gierlestraat 3E unit 4, 2387 Baarle-Hertog · Previous registered office: Industrieweg 3, 2850 Boom · Permanent representative: Martijn Pieters · General meeting of 08-07-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0893578846
New managing director
BV M.P.A. Guiljam Beheer B.V. appointed, Cuykens Johan resigned · Permanent representative: Martijn Pieter Andries Guiljam · General meeting of 03-04-2026 · Gazette deed
Legal-form change · Resignations & appointments
“Grondverzet; Voorbereiden van landbouwvelden,loonwerken; Aanleggen en onderhouden van tuinen,parken en…” (deed in Dutch) · Director in office: Johan Cuykens · General meeting of 30-11-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JCA Baarle-Hertog | €129,632 | -€84,665 | -13.5% | 0.8 |
| OXALIS BOUW Ghent | €54,873 | -€5,364 | 99.9% | 0 |
| AWB WONINGBOUW Dessel | €134,518 | -€7,476 | 81.0% | - |
| CDB Mechelen | €148,403 | €570 | -32.2% | - |
| V.B.S. Bornem | €113,556 | €134 | 79.2% | - |
| EUROTER Courcelles | €123,346 | -€5,291 | 98.5% | - |
| KOEN JANSSENS Glabbeek | €134,217 | -€13,920 | 34.8% | - |
These companies have the same main activity as JCA: site preparation (NACE 43120). They are comparable in size and age: total assets between €54,900 and €148,000, founded between 2000 and 2011.
Official details
Source: KBO- Status
- Active since 20-11-2007Normal situation
- Activity
- Site preparationNACE 43120and 6 others
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.166.667.0262387 Baarle-Hertog, since 08-11-2007
- Financial year end
- 31 December
- Peppol
- Reachable since 08-09-2026
Annual accounts 2025
- €129,632▼ 87.3%
- Employeeson 31-12-2025
- 0▼ 100%
- Filing
- Filed on 28-07-2026, 3 days before the end of the filing period
Insights on JCA
JCA files the abbreviated format. That format states no turnover. The gross margin fell from €1,698 in 2008 to -€84,665 in 2025.
In June 2026, the Official Gazette published the appointment of BV M.P.A. Guiljam Beheer B.V. as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JCA
- What is the company number of JCA?
- The company number of JCA is 0893.578.846. The VAT number is the same number with BE in front: BE 0893.578.846.
- Where is JCA based?
- The registered office is at Gierlestraat 3E, 2387 Baarle-Hertog.Company details
- What does JCA do?
- According to the KBO register, the main activity is site preparation (NACE 43120).
- What is the legal form of JCA?
- JCA is a private limited company (BV).
- When was JCA founded?
- JCA was founded on 20-11-2007.
- Is JCA still active?
- Yes, JCA is an active enterprise in the KBO register.
- How many employees does JCA have?
- JCA had an average of 0.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does JCA fall under?
- In its 2025 annual accounts, JCA states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of JCA?
- The annual accounts for financial year 2025 state no turnover. The abbreviated format does not require it.
- Is JCA profitable?
- In financial year 2025, JCA made a loss of €233,233.
- Where can I find the annual accounts of JCA?
- JCA filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JCA due?
- JCA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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