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JCC-SPIRIT

Active
Private limited companyfounded 2022active for 3 yearsChaussée de Tervuren 84, 1410 Waterloo, BelgiumKBO/BCE: BE 0793.748.030
Summary

The computed 12-month bankruptcy probability of JCC-SPIRIT is 3.5% (moderate). The 2025 annual accounts show negative equity (-€48,703) and a net result of €13,657. Equity has been growing by about 2.7% per year since 2023. Its solvency ranks better than 8% of 22,793 sector peers (NACE 47, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 18-11-2022 Normal situation
Registered office
13 active companies are registered at this address 2 started in the 12 months before. Source: KBO register, as of 4 November 2026.
Activity
Other non-specialised retail sale NACE 47120and 3 others
Establishment unit
2.338.085.624 1180 Ukkel, since 18-11-2022
Financial year end
31 December
Peppol
Reachable since 22-12-2025

Board and ownership

Board
Shareholders
  • OCITact of 22-11-2022
  • AGBÉNOU Bénédicte Ayéléact of 22-11-2022
  • COUTURIER Olivieract of 22-11-2022
and 3 other shareholders

Financial position

50 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
3.5%
Annual accounts 2025
Gross margin
€18,828
Turnover
≈ €200,000
estimated
Profit
€13,657
Equity
-€48,703
▲ 21.9%
Total assets
€42,359
▲ 44.6%
  • Negative equity on 31-12-2025
  • 2025 accounts filed 70 days after the deadline
Score breakdownraises riskLast filed accounts filed 70 days late; 2 of the last 3 accounts late1 change of registered office in 24 monthslowers riskLiquidity: current ratio 0.24, cash €13,874Figures for financial year 2025 (filed on 12-10-2026)Show the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 54% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Average
Solvency 0=
equity -115.0% of total assets
Liquidity 41+20
short-term debt 215.0% · cash 32.8%
Profitability 100+100
return on assets 32.2%
Bankruptcy probability within 12 months
3.5% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,278 companies, NACE 47, micro)
Last 24 months 12-2024: 2.7% 01-2025: 2.6%▼ -0.1 percentage points vs 12-2024 02-2025: 2.6%● unchanged vs 01-2025 03-2025: 2.6%● unchanged vs 02-2025 04-2025: 2.6%● unchanged vs 03-2025 05-2025: 2.6%● unchanged vs 04-2025 06-2025: 2.6%● unchanged vs 05-2025lowest value 07-2025: 2.6%● unchanged vs 06-2025 08-2025: 3.4%▲ +0.8 percentage points vs 07-2025 09-2025: 4.0%▲ +0.6 percentage points vs 08-2025 10-2025: 3.1%▼ -0.9 percentage points vs 09-2025 11-2025: 3.1%● unchanged vs 10-2025 12-2025: 3.1%● unchanged vs 11-2025 01-2026: 3.1%● unchanged vs 12-2025 02-2026: 3.1%● unchanged vs 01-2026 03-2026: 3.1%● unchanged vs 02-2026 04-2026: 3.2%▲ +0.1 percentage points vs 03-2026 05-2026: 3.2%● unchanged vs 04-2026 06-2026: 5.3%▲ +2.1 percentage points vs 05-2026 07-2026: 4.8%▼ -0.5 percentage points vs 06-2026 08-2026: 5.6%▲ +0.8 percentage points vs 07-2026 09-2026: 5.7%▲ +0.1 percentage points vs 08-2026highest value 10-2026: 3.5%▼ -2.2 percentage points vs 09-2026 11-2026: 3.5%● unchanged vs 10-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 0.24 (0.1 in 2024), below 1. Short-term debt is 215% and cash 32.8% of total assets. Equity is negative.
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 47, micro). It does better than 6% of them on solvency, 39% on liquidity, 96% on profitability and 74% on growth.

The bankruptcy probability was computed on 04-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Last filed accounts filed 70 days late; 2 of the last 3 accounts late
NBB · filings
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Liquidity: current ratio 0.24, cash €13,874
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 12-10-2026)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 22793 sector peers (2025).
NBB · sector comparison
Position among 22793 sector peers
Solvency
better than 8%
← weakest strongest →
raises risk · 2025 accounts filed 70 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-10-2026, 70 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filings
Deviation from the deadline
2025
70 days late
2024
60 days late
2023
27 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 3 accounts on average 52 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 September (3 of the last 3 accounts filed within 32 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2022.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€48,703 View
  • Caution: Lower solvency than 91% of companies in retail tradesector median 33.2% · 22,793 companies -115.0% View

Recent changes

  1. · Gazette deed Registered office moved from Ukkel to WaterlooNew seat: Chaussée de Tervuren 84, 1410 Waterloo · Previous seat: Chaussée de Waterloo 1362 A, 1180 Uccle · Director in office: Matthias COUTURIER (organe d’administration)
  2. · Gazette deed IncorporationStarting capital €10,000 · Appointments: OCIT (director) and COUTURIER Matthias Jean-Claude (director) · Founder: OCIT (comparant) · Founder: AGBÉNOU Bénédicte Ayélé (comparante)
All 6 events

Comparable companies

These companies have the same main activity as JCC-SPIRIT: other non-specialised retail sale (NACE 47120). They are comparable in size and age: total assets between €40,300 and €55,800, founded between 2022 and 2023.

CompanyTotal assetsGross margin
JCC-SPIRIT Waterloo€42,359€18,828
BABYLOU Genk€40,913€18,581
AGNC Waregem€45,314€20,293
MELTING GREEN Profondeville€40,297€27,363
ESC-TECH Kluisbergen€52,356€17,212
Dora Gasia Gent€55,760€24,256
JCJL Kinrooi€49,423€12,712
Full comparison

Key facts about JCC-SPIRIT

What is the company number of JCC-SPIRIT?
The company number of JCC-SPIRIT is 0793.748.030. The VAT number is the same number with BE in front: BE 0793.748.030.
Where is JCC-SPIRIT based?
The registered office is at Chaussée de Tervuren 84, 1410 Waterloo.Company details
What does JCC-SPIRIT do?
According to the KBO register, the main activity is other non-specialised retail sale (NACE 47120).
What is the legal form of JCC-SPIRIT?
The legal form of JCC-SPIRIT is Private limited company (BV).
When was JCC-SPIRIT founded?
JCC-SPIRIT was founded on 18-11-2022.
Is JCC-SPIRIT still active?
Yes, JCC-SPIRIT is an active enterprise in the KBO register.
What is the turnover of JCC-SPIRIT?
The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €18,828 and 33 comparable companies (NACE 47120). It probably lies between €97,000 and €420,000. It is a rough estimate.Financials
Is JCC-SPIRIT profitable?
In financial year 2025, JCC-SPIRIT made a profit of €13,657.
Where can I find the annual accounts of JCC-SPIRIT?
JCC-SPIRIT filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of JCC-SPIRIT due?
JCC-SPIRIT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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