JCD
ActiveJCD has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €337k and a net result of €21k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 27% of 7431 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
74
/ 100
Healthy▲ +34 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability31▲+31
Solvency42▲+7
Growth52=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.14 in 2023), and 74.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-08-2025, 21 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
21 d late
2023
64 d late
2022
7 d early
2021
32 d early
2020
16 d early
2019
17 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€337k▲ 6.6%
2023 · €316k
2021: €225k
2022: €320k
2023: €316k
2021 → 2024
Total assets
€1.30M▼ 6.8%
2023 · €1.40M
2021: €1.35M
2022: €1.71M
2023: €1.40M
2021 → 2024
Net result
€21k
2023 · €-3k
2021: €70k
2022: €94k
2023: €-3k
2021 → 2024
Working capital
€35k▼ 46.5%
2023 · €66k
2021: €-18k
2022: €239k
2023: €66k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€225k-€320k▲ 41.9%€316k▼ 1.0%€337k▲ 6.6%
Operating result€90k-€117k▲ 30.0%€24k▼ 79.6%€56k▲ 137%
Net result€70k-€94k▲ 34.3%€-3k€21k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 137% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.30M
Fixed assets
€832k▼ 3.3%
Current assets
€468k▼ 12.5%
Equity and liabilities €1.30M
Equity
€337k▲ 6.6%
Provisions
€18k▼ 3.1%
Debt
€945k▼ 10.9%
The debt ratio falls from 76.0% to 72.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€128k▲
2023 · €97k
Cash flow
€93k▲
2023 · €70k
Solvency
25.9%▲
2023 · 22.6%
Current ratio
1.08▼
2023 · 1.14
Quick ratio
0.95▲
2023 · 0.82
Debt / equity
2.80▼
2023 · 3.36
ROE
6.2%▲
2023 · -1.0%
ROA
1.6%▲
2023 · -0.2%
Interest coverage
4.70▲
2023 · 3.73
Debt
€945k▼
2023 · €1.06M
Debt ≤ 1 year
€433k▼
2023 · €469k
Debt > 1 year
€512k▼
2023 · €546k
Income taxes
€9k▲
2023 · €1k
Staff costs
€398k▲
2023 · €331k
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 · 2024 against 2023
Balance sheet
Code20232024
Total assets
20/58€1.40M€1.30M▼
Fixed assets
21/28€861k€832k▼
Tangible fixed assets
22/27€854k€825k▼
Financial fixed assets
28€7k€7k=
Current assets
29/58€535k€468k▼
Stocks & contracts in progress
3€151k€56k▼
Amounts receivable within one year
40/41€270k€367k▲
Cash & bank
54/58€103k€43k▼
Total equity & liabilities
10/49€1.40M€1.30M▼
Equity
10/15€316k€337k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€298k€319k▲
Provisions & deferred taxes
16€19k€18k▼
Amounts payable
17/49€1.06M€945k▼
Amounts payable after one year
17€546k€512k▼
Amounts payable within one year
42/48€469k€433k▼
Trade debts payable within one year
44€189k€148k▼
Income statement
Code20232024
Gross operating margin
9900€430k€530k▲
Operating result
9901€24k€56k▲
Financial income
75€291€169▼
Financial charges
65€26k€27k▲
Result before taxes
9903€-2k€29k▲
Income taxes
67/77€1k€9k▲
Net result for the period
9904€-3k€21k▲
Result to be appropriated
9905€-3k€21k▲
Timeline · acts, filings and financial milestones
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 21 days late
2024
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 64 days late
2023
31-12
Financial
Weakest financial yearnet €-3k ▼104%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
28-09
State Gazette act
Minor change
Statutes change · Marc Topff
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2021net €94k ▲34.3%
Operating result €117k, net result €94k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
CAMEE
BE 0437.675.876
Sint-Gillis-Waas · Eq €337k
Rasenberg Bouw
BE 0840.065.035
Brasschaat · Eq €337k
Chaudrel Rénovation
BE 0812.283.245
Schaarbeek · Eq €337k
KOEN LAMBRECHTS
BE 0459.393.780
Nijlen · Eq €337k
OMNI - DAK
BE 0446.134.573
Brugge · Eq €336k
Of 8,470 companies in sector 43410 we hold annual accounts for 4,235. 3,182 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2015
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43230Insulation installation
43291Specialised construction activities
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 08-08-2026. Scores and ratios are computed by Checked and are not a credit decision.