JCI
ActiveJCI has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €315k and a net result of €120k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 61% of 13898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent▼ -6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency83▼-13
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.74 against 2.12 in 2024), but 56.3% 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
43.7%
Return on assets
16.7%
Age of the figures
8 mo
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
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €315k
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 18-05-2026, 74 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
74 d early
2024
49 d early
2023
23 d late
2022
21 d late
2021
11 d late
2020
40 d early
2019
22 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€6k
EBIT margin
-478.9%
Net result
€120k▲ 54.2%
2024 · €78k
2018: €-71k
2019: €46k
2020: €-30k
2021: €-54k
2022: €31k
2023: €65k
2024: €78k
2018 → 2025
Working capital
€299k▲ 55.5%
2024 · €192k
2018: €5k
2019: €101k
2020: €58k
2021: €19k
2022: €50k
2023: €114k
2024: €192k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€52k▲ 145%€117k▲ 124%€195k▲ 66.7%€315k▲ 61.7%
Operating result€-40k-€35k€75k▲ 113%€117k▲ 55.0%€200k▲ 71.5%
Net result€-54k-€31k€65k▲ 109%€78k▲ 20.7%€120k▲ 54.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 72% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €720k
Fixed assets
€16k▲ 22.5%
Current assets
€704k▲ 93.7%
Equity and liabilities €720k
Equity
€315k▲ 61.7%
Debt
€405k▲ 123%
The debt ratio rises from 48.3% to 56.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€204k▲
2024 · €118k
Cash flow
€124k▲
2024 · €80k
Solvency
43.7%▼
2024 · 51.7%
Current ratio
1.74▼
2024 · 2.12
Quick ratio
1.74▼
2024 · 2.05
Debt / equity
1.29▲
2024 · 0.93
ROE
38.2%▼
2024 · 40.0%
ROA
16.7%▼
2024 · 20.7%
Interest coverage
10.66▲
2024 · 5.03
Debt
€405k▲
2024 · €182k
Debt ≤ 1 year
€405k▲
2024 · €171k
Income taxes
€62k▲
2024 · €17k
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€376k€720k▲
Fixed assets21/28€13k€16k▲
Intangible fixed assets21€1k€661▼
Tangible fixed assets22/27€4k€15k▲
Furniture and vehicles24€3k€15k▲
Other tangible fixed assets26€434-
Financial fixed assets28€8k-
Current assets29/58€364k€704k▲
Stocks and contracts in progress3€12k-
Stocks30/36€12k-
Amounts receivable within one year40/41€25k€366k▲
Trade receivables40€24k€363k▲
Other amounts receivable41€837€3k▲
Cash at bank and in hand54/58€323k€335k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€376k€720k▲
Equity10/15€195k€315k▲
Contributions10/11€190k€190k=
Reserves13€5k€125k▲
Distributable reserves133€5k€125k▲
Amounts payable17/49€182k€405k▲
Amounts payable within one year42/48€171k€405k▲
Trade debts44€70k€287k▲
Suppliers440/4€70k€287k▲
Taxes, remuneration and social security45€2k€40k▲
Taxes450/3€2k€39k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€99k€78k▼
Accrued charges and deferred income492/3€10k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€513€819▲
Non-recurring operating charges66A€1k-
Gross operating margin9900€120k€205k▲
Operating profit (loss)9901€117k€200k▲
Financial income75/76B€2k€855▼
Recurring financial income75€2k€855▼
Financial charges65/66B€23k€19k▼
Recurring financial charges65€23k€19k▼
Profit (loss) for the period before taxes9903€95k€182k▲
Income taxes67/77€17k€62k▲
Profit (loss) for the period9904€78k€120k▲
Profit (loss) for the period to be appropriated9905€78k€120k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€120k▲
Profit (loss) brought forward from the previous period14P€-73k-
Transfer to equity691/2€5k€120k▲
To other reserves6921€5k€120k▲
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
2026
19-08
State Gazette act
Registered officeGeneral meeting · Registered-office move · Power of attorney3 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move · Power of attorney3 facts ▸
- General meeting, 2026-08-01
- Registered-office move, 1410 Waterloo, Rue de l'Eglise 52
- Power of attorney, SRL COGITAS
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €120k ▲54.2%
Operating result €200k, net result €120k, both a record.
31-12
Financial
Equity above €200kEq €315k ▲61.7%
4 profitable years in a row build equity to €315k.
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €195k ▲66.7%
3 profitable years in a row build equity to €195k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Equity above €100kEq €117k ▲124%
2 profitable years in a row build equity to €117k.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Back to profitnet €31k
Net result €31k after 2 loss-making years.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 6.55
Current ratio from 1.07 to 6.55; short-term debt falls from €71k to €18k.
31-12
Financial
Equity above €100kEq €106k ▲76%
Equity rises from €60k to €106k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
07-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 129 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Waterloo · 1 establishment unit since 2010
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.
Rue de l'Eglise 521410 WaterlooGround area
1,380 m²
Building footprint
183 m²
Volume, LiDAR
1,294 m³
2 parcels, Wallonia · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JC IMMOBILIERE
since 20102.186.874.896
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028B0157/00S002 | Wallonia | 931 m² | 1 · 141 m² | 8.8 m · 2 fl. |
| 25110D0254/00B000 | Wallonia | 450 m² | 1 · 42 m² | 9.7 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.
Similar companies · same sector, comparable size
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BUREAU IMMOBILIER DE CLERCQ
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GOEDGEVONDEN
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Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 4,915 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2010
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.