JCI
ActiveJCI has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €521k and a net result of €105k. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 79% of 15867 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability88▲+3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 5.27 against 6.7 in 2023; short-term debt: 12.4% and cash: 62.1% of total assets), and 24.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 2024Solvency, return and age of the figures
Solvency
75.9%
Return on assets
15.3%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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
not confirmed
2024
28 d late
2023
14 d late
2022
1 d late
2021
12 d late
2020
31 d late
2019
4 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€521k▲ 17.7%
2023 · €442k
2018: €229k
2019: €256k
2020: €300k
2021: €357k
2022: €377k
2023: €442k
2018 → 2024
Total assets
€686k▲ 18.0%
2023 · €581k
2018: €252k
2019: €333k
2020: €379k
2021: €445k
2022: €522k
2023: €581k
2018 → 2024
Net result
€105k▲ 35.9%
2023 · €77k
2018: €11k
2019: €36k
2020: €55k
2021: €69k
2022: €31k
2023: €77k
2018 → 2024
Working capital
€363k▲ 14.6%
2023 · €317k
2018: €207k
2019: €215k
2020: €250k
2021: €296k
2022: €246k
2023: €317k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€300k-€357k▲ 19.2%€377k▲ 5.5%€442k▲ 17.3%€521k▲ 17.7%
Operating result€75k-€92k▲ 23.6%€42k▼ 54.3%€110k▲ 160%€155k▲ 40.6%
Net result€55k-€69k▲ 25.4%€31k▼ 55.2%€77k▲ 151%€105k▲ 35.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 41% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €686k
Fixed assets
€238k▲ 14.0%
Current assets
€448k▲ 20.3%
Equity and liabilities €686k
Equity
€521k▲ 17.7%
Debt
€165k▲ 18.9%
The debt ratio rises from 23.9% to 24.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€178k▲
2023 · €138k
Cash flow
€128k▲
2023 · €105k
Solvency
75.9%▼
2023 · 76.1%
Current ratio
5.27▼
2023 · 6.70
Quick ratio
5.27▼
2023 · 6.70
Debt / equity
0.32▲
2023 · 0.31
ROE
20.2%▲
2023 · 17.5%
ROA
15.3%▲
2023 · 13.3%
Interest coverage
57.64▲
2023 · 45.98
Debt
€165k▲
2023 · €139k
Debt ≤ 1 year
€85k▲
2023 · €56k
Debt > 1 year
€80k▼
2023 · €84k
Income taxes
€48k▲
2023 · €31k
Staff costs
€46k
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
Assets
Total assets20/58€581k€686k▲
Fixed assets21/28€209k€238k▲
Tangible fixed assets22/27€209k€238k▲
Land and buildings22€185k€179k▼
Plant, machinery and equipment23€3k€13k▲
Furniture and vehicles24€21k€47k▲
Current assets29/58€372k€448k▲
Amounts receivable within one year40/41€18k€22k▲
Trade receivables40€10k€20k▲
Other amounts receivable41€8k€2k▼
Cash at bank and in hand54/58€354k€426k▲
Equity and liabilities
Total equity and liabilities10/49€581k€686k▲
Equity10/15€442k€521k▲
Contributions10/11€7k€7k=
Reserves13€435k€514k▲
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Distributable reserves133€433k€512k▲
Amounts payable17/49€139k€165k▲
Amounts payable after more than one year17€84k€80k▼
Financial debts170/4€84k€80k▼
Amounts payable within one year42/48€56k€85k▲
Current portion of amounts payable after more than one year42€18k€19k▲
Trade debts44€17k€24k▲
Suppliers440/4€17k€24k▲
Taxes, remuneration and social security45€17k€20k▲
Taxes450/3€17k€18k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€5k€22k▲
Income statement
Code20232024
Remuneration, social security and pensions62-€46k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€23k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€139k€225k▲
Operating profit (loss)9901€110k€155k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€108k€153k▲
Income taxes67/77€31k€48k▲
Profit (loss) for the period9904€77k€105k▲
Profit (loss) for the period to be appropriated9905€77k€105k▲
Appropriation of the result
Profit (loss) to be appropriated9906€77k€105k▲
Transfer from equity791/2-€27k
Transfer to equity691/2€65k€105k▲
To other reserves6921€65k€105k▲
Profit to be distributed694/7€12k€27k▲
Return on contributions (dividend)694-€27k
Directors or managers695€12k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €105k ▲35.9%
Operating result €155k, net result €105k, both a record.
31-12
Financial
Equity above €500kEq €521k ▲17.7%
7 profitable years in a row build equity to €521k.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kortemark · 1 establishment unit since 2006
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.
Gouden-Hoofdstraat 428610 KortemarkGround area
1,361 m²
Building footprint
175 m²
Volume, LiDAR
852 m³
Parcel 32005G0263/00C002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JCI
since 20062.153.884.901
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32005G0263/00C002 | Flanders | 1,361 m² | 1 · 175 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,745 companies in sector 46150 we hold annual accounts for 757. 448 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-06-2006
Fiscal year end31-12
Activities, NACEBEL
46150Agents in the wholesale of furniture, household goods and hardware
51150
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:051571360