JCL Design
ActiveThe computed 12-month bankruptcy probability of JCL Design is 1.8% (moderate). The 2024 annual accounts show equity of €89k and a net result of €4k. Equity is growing by ~34.5% per year across the filed fiscal years. Its solvency ranks better than 56% of 15867 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▼-6
Solvency73▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 1.73 in 2023; short-term debt: 30.5% and cash: 15% of total assets), but 52.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
47.6%
Return on assets
1.9%
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 30-09-2025, 61 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
69 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k▼ 74.0%
2023 · €14k
2018: €19k
2019: €4k
2020: €16k
2021: €40k
2022: €19k
2023: €14k
2018 → 2024
Working capital
€78k▲ 3.2%
2023 · €76k
2018: €-26k
2019: €-16k
2020: €522
2021: €39k
2022: €70k
2023: €76k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€14k-€54k▲ 282%€73k▲ 35.6%€87k▲ 18.4%€89k▲ 3.0%
Operating result€18k-€55k▲ 208%€27k▼ 51.0%€20k▼ 26.3%€7k▼ 63.4%
Net result€16k-€40k▲ 143%€19k▼ 51.7%€14k▼ 29.8%€4k▼ 74.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 63% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €188k
Fixed assets
€52k▲ 176%
Current assets
€136k▼ 24.4%
Equity and liabilities €188k
Equity
€89k▲ 3.0%
Debt
€98k▼ 11.6%
The debt ratio falls from 56.2% to 52.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▼
2023 · €25k
Cash flow
€13k▼
2023 · €19k
Solvency
47.6%▲
2023 · 43.8%
Current ratio
2.37▲
2023 · 1.73
Quick ratio
1.85▲
2023 · 1.42
Debt / equity
1.10▼
2023 · 1.28
ROE
3.9%▼
2023 · 15.6%
ROA
1.9%▼
2023 · 6.8%
Interest coverage
8.04▼
2023 · 15.88
Debt
€98k▼
2023 · €111k
Debt ≤ 1 year
€57k▼
2023 · €103k
Debt > 1 year
€29k▲
2023 · €8k
Income taxes
€2k▼
2023 · €5k
Staff costs
€95k▼
2023 · €110k
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€198k€188k▼
Fixed assets21/28€19k€52k▲
Intangible fixed assets21€4k€2k▼
Tangible fixed assets22/27€14k€49k▲
Plant, machinery and equipment23€1k€804▼
Furniture and vehicles24€3k€2k▼
Leasing and similar rights25-€31k
Other tangible fixed assets26€10k€15k▲
Financial fixed assets28€2k€2k=
Current assets29/58€179k€136k▼
Stocks and contracts in progress3€32k€30k▼
Stocks30/36€32k€30k▼
Amounts receivable within one year40/41€89k€78k▼
Trade receivables40€83k€69k▼
Other amounts receivable41€6k€9k▲
Cash at bank and in hand54/58€57k€28k▼
Deferred charges and accrued income490/1€982-
Equity and liabilities
Total equity and liabilities10/49€198k€188k▼
Equity10/15€87k€89k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€67k€69k▲
Amounts payable17/49€111k€98k▼
Amounts payable after more than one year17€8k€29k▲
Financial debts170/4€8k€29k▲
Amounts payable within one year42/48€103k€57k▼
Current portion of amounts payable after more than one year42€7k€13k▲
Trade debts44€33k€18k▼
Suppliers440/4€33k€18k▼
Advances received on contracts in progress46€29k-
Taxes, remuneration and social security45€33k€21k▼
Taxes450/3€8k€9k▲
Remuneration and social security454/9€26k€12k▼
Other amounts payable47/48€1k€5k▲
Accrued charges and deferred income492/3€265€12k▲
Income statement
Code20232024
Remuneration, social security and pensions62€110k€95k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€9k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€136k€113k▼
Operating profit (loss)9901€20k€7k▼
Financial income75/76B€27-
Recurring financial income75€27-
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€18k€5k▼
Income taxes67/77€5k€2k▼
Profit (loss) for the period9904€14k€4k▼
Profit (loss) for the period to be appropriated9905€14k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€70k▲
Profit (loss) brought forward from the previous period14P€53k€67k▲
Profit to be distributed694/7-€954
Return on contributions (dividend)694-€954
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €4k ▼74%
Net result drops to €4k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €40k ▲143%
Operating result €55k, net result €40k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brussel · 2 establishment units since 2016
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.
Naamsestraat 331000 BrusselGround area
132 m²
Building footprint
122 m²
Volume, LiDAR
1,444 m³
2 parcels, Brussels · tallest building 18.1 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
JCL Design
since 20162.250.703.767
Chocolaterie Artisanale Henri IV
since 20202.309.821.012
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21902A0238/02D003 | Brussels | 69 m² | 1 · 69 m² | 13.3 m · 4 fl. |
| 21808H1865/00D000 | Brussels | 63 m² | 1 · 53 m² | 18.1 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchaarbeek2.309.821.012
Similar companies · same sector, comparable size
Leatex
BE 0422.411.244
Kontich · Eq €90k
ENGINEERING RECHERCHE ET DEVELOPPEMENT
BE 0460.238.472
Walcourt · Eq €89k
Braco
BE 0400.276.735
Aalst · Eq €89k
TRIPLE KEY
BE 0479.596.704
Bilzen-Hoeselt · Eq €90k
DIAMOND CARD
BE 0426.691.023
Trooz · Eq €87k
Of 1,566 companies in sector 46900 we hold annual accounts for 920. 588 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-03-2016
Fiscal year end31-12
Activities, NACEBEL
46900Non-specialised wholesale trade
47761Retail sale of flowers, plants, seeds and fertilisers
47241Retail sale of bread and pastry (bakery outlets)
47242Retail sale of chocolate and confectionery
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.