JCB RE
ActiveJCB RE has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €346k and a net result of €-4k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 33% of 12617 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency82▼-2
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 2.61 against 3.44 in 2024), but 63.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
36.9%
Return on assets
-0.4%
Age of the figures
17 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-12-2025, 61 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
61 d late
2024
30 d late
2023
61 d late
2022
59 d late
2021
2 d late
2020
29 d late
2019
7 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close12-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€346k▼ 1.1%
2024 · €350k
2019: €329k
2020: €327k
2021: €343k
2022: €367k
2023: €354k
2024: €350k
2019 → 2025
Total assets
€938k▲ 2.1%
2024 · €919k
2019: €939k
2020: €946k
2021: €973k
2022: €1.01M
2023: €970k
2024: €919k
2019 → 2025
Net result
€-4k▼ 11.0%
2024 · €-3k
2019: €522
2020: €-3k
2021: €16k
2022: €24k
2023: €-2k
2024: €-3k
2019 → 2025
Working capital
€85k▼ 24.0%
2024 · €112k
2019: €84k
2020: €82k
2021: €89k
2022: €152k
2023: €118k
2024: €112k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€343k-€367k▲ 7.0%€354k▼ 3.5%€350k▼ 1.0%€346k▼ 1.1%
Operating result€8k-€50k▲ 553%€9k▼ 81.8%€5k▼ 39.3%€7k▲ 26.8%
Net result€16k-€24k▲ 50.8%€-2k€-3k▼ 44.7%€-4k▼ 11.0%
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 2025; 2025 is 27% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €938k
Fixed assets
€801k▲ 5.1%
Current assets
€137k▼ 12.7%
Equity and liabilities €938k
Equity
€346k▼ 1.1%
Provisions
€80k▼ 5.4%
Debt
€512k▲ 5.6%
The debt ratio rises from 52.7% to 54.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€53k▲
2024 · €39k
Cash flow
€42k▲
2024 · €30k
Solvency
36.9%▼
2024 · 38.1%
Current ratio
2.61▼
2024 · 3.44
Quick ratio
2.61▼
2024 · 3.44
Debt / equity
1.48▲
2024 · 1.38
ROE
-1.1%▼
2024 · -1.0%
ROA
-0.4%▼
2024 · -0.4%
Interest coverage
4.07▲
2024 · 3.50
Debt
€512k▲
2024 · €485k
Debt ≤ 1 year
€53k▲
2024 · €46k
Debt > 1 year
€452k▲
2024 · €436k
Income taxes
€4k▼
2024 · €4k
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€919k€938k▲
Fixed assets21/28€762k€801k▲
Intangible fixed assets21€9k€3k▼
Tangible fixed assets22/27€752k€798k▲
Land and buildings22€734k€711k▼
Furniture and vehicles24€13k€8k▼
Leasing and similar rights25-€74k
Other tangible fixed assets26€5k€4k▼
Current assets29/58€158k€137k▼
Amounts receivable within one year40/41€50k€52k▲
Trade receivables40€50k€49k▼
Other amounts receivable41-€3k
Current investments50/53€103k€70k▼
Cash at bank and in hand54/58€348€7k▲
Deferred charges and accrued income490/1€4k€9k▲
Equity and liabilities
Total equity and liabilities10/49€919k€938k▲
Equity10/15€350k€346k▼
Contributions10/11€41k€41k=
Reserves13€295k€291k▼
Tax-exempt reserves132€253k€239k▼
Distributable reserves133€42k€52k▲
Profit (loss) carried forward14€15k€15k=
Provisions and deferred taxes16€84k€80k▼
Deferred taxes168€84k€80k▼
Amounts payable17/49€485k€512k▲
Amounts payable after more than one year17€436k€452k▲
Financial debts170/4€431k€447k▲
Other amounts payable178/9€5k€5k=
Amounts payable within one year42/48€46k€53k▲
Current portion of amounts payable after more than one year42€28k€38k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€13k€10k▼
Taxes450/3€13k€10k▼
Other amounts payable47/48€2k€542▼
Accrued charges and deferred income492/3€2k€8k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€46k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€44k€59k▲
Operating profit (loss)9901€5k€7k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€11k€13k▲
Recurring financial charges65€11k€13k▲
Profit (loss) for the period before taxes9903€-4k€-5k▼
Transfer from deferred taxes780€5k€5k=
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€-3k€-4k▼
Transfer from tax-exempt reserves789€14k€14k=
Profit (loss) for the period to be appropriated9905€10k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€25k▲
Profit (loss) brought forward from the previous period14P€11k€15k▲
Transfer from equity791/2€4k-
Transfer to equity691/2€10k€10k▼
To other reserves6921€10k€10k▼
The notes to these accounts (14 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
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 61 days late
31-03
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series.
2024
30-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2023
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2022
29-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
31-03
Financial
Highest result since 2019net €24k ▲50.8%
Operating result €50k, net result €24k, both a record.
2021
02-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
31-03
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
2020
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2019
24-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
05-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Oudergem · 2 establishment units since 1988
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.
Heldenlaan 411160 OudergemGround area
5,686 m²
Building footprint
2,589 m²
Volume, LiDAR
43,060 m³
2 parcels, Brussels · tallest building 27.6 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
Heldenlaan 41, 1160 Oudergem
since 19882.040.552.079
-
since 20222.332.270.671
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332B0424/00D008 | Brussels | 5,192 m² | 1 · 2,419 m² | 27.6 m · 7 fl. |
| 21332E0033/00R068 | Brussels | 494 m² | 1 · 170 m² | 16.0 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
Griet Helsen
BE 0560.844.793
Leuven · Eq €345k
Fabian Branswyk Réviseur d'Entreprises
BE 0664.688.342
Walcourt · Eq €349k
Pierre SOHET & C°
BE 0472.020.410
Namur · Eq €343k
FRANCIS RYSMAN BEDRIJFSREVISOR
BE 0877.005.407
Kortrijk · Eq €341k
ASG
BE 0804.963.606
Sint-Jans-Molenbeek · Eq €353k
Of 940 companies in sector 69203 we hold annual accounts for 658. 531 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-1988
Fiscal year end31-03
Activities, NACEBEL
69203Activities of company auditors
64999Other financial services
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.