Financials
- Financial year
- 2025
- Total assets
- €1.3m
- Loss
- -€69,098
- Solvency
- 21.4%
Total assets▼ 3.8%
Net result
20182025
JCD
ActiveSummary
The computed 12-month bankruptcy probability of JCD is 3.2% (moderate). The 2025 annual accounts show equity of €268,026 and a net result of -€69,098. Equity is growing by about 16% per year across the filed financial years. Its solvency ranks better than 22% of 9,799 sector peers (NACE 43, financial year 2025). The company has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Roofing work
NACE 43410
1 site
Size
€1.3mtotal assets 2025
- Staff
- 6 FTE
- Equity
- €268,026
- Loss
- -€69,098
Turnover not published (abbreviated format)
Structure
Accounts filed 76 days late0 of 2 deeds read
Why 48raises riskLatest accounts 76 days late; 2 of the last 3 lateLoss of €69,098 (financial year 2025)Sector: Specialised construction activities (NACE 43)Liquidity: current ratio 0.86, cash €54,068Show the evidence
Checked score
Score 2025
48
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 19% of its sector peers (NACE 43, micro)
Financial strength · tick = 2024
Weak
Solvency
46-5
equity 21.4% of total assets
Liquidity
34-6
short-term debt 44.1% · cash 4.3%
Profitability
12-48
return on assets -5.5%
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 2.2%
12-2024: 2.2%● unchanged vs 11-2024
01-2025: 2.2%● unchanged vs 12-2024
02-2025: 2.2%● unchanged vs 01-2025
03-2025: 2.1%▼ -0.1 percentage points vs 02-2025
04-2025: 2.1%● unchanged vs 03-2025
05-2025: 2.0%▼ -0.1 percentage points vs 04-2025
06-2025: 2.3%▲ +0.3 percentage points vs 05-2025
07-2025: 2.4%▲ +0.1 percentage points vs 06-2025
08-2025: 3.2%▲ +0.8 percentage points vs 07-2025
09-2025: 2.1%▼ -1.1 percentage points vs 08-2025
10-2025: 2.1%● unchanged vs 09-2025
11-2025: 2.1%● unchanged vs 10-2025
12-2025: 2.1%● unchanged vs 11-2025
01-2026: 2.1%● unchanged vs 12-2025
02-2026: 2.1%● unchanged vs 01-2026
03-2026: 2.0%▼ -0.1 percentage points vs 02-2026
04-2026: 2.0%● unchanged vs 03-2026
05-2026: 2.0%● unchanged vs 04-2026
06-2026: 1.7%▼ -0.3 percentage points vs 05-2026lowest value
07-2026: 1.9%▲ +0.2 percentage points vs 06-2026
08-2026: 2.7%▲ +0.8 percentage points vs 07-2026
09-2026: 3.3%▲ +0.6 percentage points vs 08-2026highest value
10-2026: 3.2%▼ -0.1 percentage points vs 09-2026
Credit of up to €12,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.86, compared with 1.08 in 2024, below 1; short-term debt: 44.1% and cash: 4.3% of total assets), and 78.6% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 23% on solvency, 22% on liquidity, 12% on profitability and 18% on growth.
The bankruptcy probability was computed on 23-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Six signals.
raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 9799 sector peers (2025).
NBB · sector comparisonPosition among 9799 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-10-2026, 76 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 · 10 filingsDeviation from the deadline
2025
76 days late
2024
21 days late
2023
64 days late
2022
7 days early
2021
32 days early
2020
16 days early
2019
17 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 13 days after the deadline; the sector median (NACE 43) for financial year 2024 is 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 21 August (4 of the last 5 filed years within 53 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Weakest financial yearnet -€69,098
- Annual accounts filedfinancial year 2024 · abbreviated…
Key points
By topic
Timeline
- Events
- 16
- Since
- 2017
- Next accounts
- by 31-07-2027
- 31-12-2024Back to profit
- 03-10-2024Annual accounts filed
- 24-07-2023Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Roofing workNACE 43410
- Founded
- 02-12-2015
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Key facts about JCD
- What is the company number of JCD?
- 0643.787.713. In Belgium the VAT number is the company number with BE in front: BE 0643.787.713.
- Where is JCD based?
- The registered office is at Mettenberg 9, 3940 Hechtel-Eksel.Company details
- What does JCD do?
- According to the KBO register, the main activity is roofing work (NACE 43410).
- What is the legal form of JCD?
- Private limited company (BV).
- When was JCD founded?
- On 02-12-2015.
- Is JCD still active?
- Yes, JCD is an active enterprise in the KBO register.
- How many employees does JCD have?
- On average 6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of JCD?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
- Is JCD profitable?
- In financial year 2025, JCD made a loss of €69,098.
- Where can I find the annual accounts of JCD?
- JCD filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JCD due?
- By 31-07-2027, for financial year 2026.Timeline
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