JCL DRIVING
ActiveJCL DRIVING has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149k and a net result of €-18k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 93% of 417 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-48
Solvency100▲+25
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.54 against 1.2 in 2024; short-term debt: 14% and cash: 30% of total assets), and 14% 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.
−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 93
Relative position
BE, all sectors
reference
Sector 93
lower
← fewer bankruptcies
more bankruptcies →
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
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
29 d late
2023
51 d early
2022
47 d early
2021
60 d early
2020
46 d early
2019
42 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-18k
2024 · €89k
2018: €16k
2019: €2k
2020: €13k
2021: €19k
2022: €8k
2023: €5k
2024: €89k
2018 → 2025
Working capital
€37k▲ 10.1%
2024 · €34k
2018: €41k
2019: €26k
2020: €42k
2021: €60k
2022: €71k
2023: €60k
2024: €34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€79k-€87k▲ 10.1%€93k▲ 5.9%€167k▲ 80.0%€149k▼ 10.9%
Operating result€27k-€12k▼ 54.8%€9k▼ 29.0%€127k▲ 1,383%€-17k
Net result€19k-€8k▼ 58.1%€5k▼ 35.9%€89k▲ 1,633%€-18k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €17k after €127k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €173k
Fixed assets
€111k▼ 16.2%
Current assets
€61k▼ 69.9%
Equity and liabilities €173k
Equity
€149k▼ 10.9%
Debt
€24k▼ 85.8%
The debt ratio falls from 50.5% to 14.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €146k
Cash flow
€6k▼
2024 · €107k
Solvency
86.0%▲
2024 · 49.5%
Current ratio
2.54▲
2024 · 1.20
Quick ratio
2.54▲
2024 · 1.20
Debt / equity
0.16▼
2024 · 1.02
ROE
-12.2%▼
2024 · 53.5%
ROA
-10.5%▼
2024 · 26.5%
Interest coverage
5.56▼
2024 · 169.26
Debt
€24k▼
2024 · €170k
Debt ≤ 1 year
€24k▼
2024 · €170k
Income taxes
€208▼
2024 · €38k
Staff costs
€28k▲
2024 · €11k
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€336k€173k▼
Fixed assets21/28€133k€111k▼
Tangible fixed assets22/27€133k€111k▼
Plant, machinery and equipment23€85k€73k▼
Furniture and vehicles24€27k€20k▼
Other tangible fixed assets26€21k€19k▼
Current assets29/58€203k€61k▼
Amounts receivable within one year40/41€138k€9k▼
Trade receivables40€118k€9k▼
Other amounts receivable41€20k-
Cash at bank and in hand54/58€65k€52k▼
Equity and liabilities
Total equity and liabilities10/49€336k€173k▼
Equity10/15€167k€149k▼
Contributions10/11€6k€6k=
Capital10-€6k
Issued capital100-€19k
Uncalled capital101-€12k
Outside capital11€6k-
Other1109/19€6k-
Reserves13€75k€75k=
Non-distributable reserves130/1€75k€75k=
Legal reserve130€2k€2k=
Reserves not available under the articles1311€73k€73k=
Profit (loss) carried forward14€86k€67k▼
Amounts payable17/49€170k€24k▼
Amounts payable within one year42/48€170k€24k▼
Trade debts44€147k€15k▼
Suppliers440/4€147k€15k▼
Taxes, remuneration and social security45€8k€4k▼
Taxes450/3€8k€4k▼
Other amounts payable47/48€15k€5k▼
Income statement
Code20242025
Non-recurring operating income76A€170k-
Remuneration, social security and pensions62€11k€28k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€24k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A-€19
Gross operating margin9900€158k€37k▼
Operating profit (loss)9901€127k€-17k▼
Financial income75/76B€745€319▼
Recurring financial income75€745€319▼
Financial charges65/66B€861€1k▲
Recurring financial charges65€861€1k▲
Profit (loss) for the period before taxes9903€127k€-18k▼
Income taxes67/77€38k€208▼
Profit (loss) for the period9904€89k€-18k▼
Profit (loss) for the period to be appropriated9905€89k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€174k€67k▼
Profit (loss) brought forward from the previous period14P€85k€86k▲
Transfer to equity691/2€73k-
To other reserves6921€73k-
Profit to be distributed694/7€15k-
Return on contributions (dividend)694€15k-
Social balance
Average headcount (FTE)90870.31.0▲
The notes to these accounts (8 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-18k ▼120%
Net result drops to €-18k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 2.54
Current ratio from 1.20 to 2.54; short-term debt falls from €170k to €24k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €89k ▲1633%
Operating result €127k, net result €89k, both a record.
31-12
Financial
Equity above €150kEq €167k ▲80%
7 profitable years in a row build equity to €167k.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Malmedy · 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.
Chemin de Xhurdebise 94960 MalmedyGround area
2,293 m²
Building footprint
125 m²
Volume, LiDAR
690 m³
2 parcels, Wallonia · tallest building 23.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JCL DRIVING
since 20102.201.756.082
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63027B1856/00G000 | Wallonia | 1,391 m² | 1 · 39 m² | 23.4 m · 1 fl. |
| 63049D0088/00K000 | Wallonia | 902 m² | 1 · 85 m² | 6.7 m · 2 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
PRACO
BE 0443.979.094
Aywaille · Eq €149k
BORDY
BE 0542.581.178
Sint-Lambrechts-Woluwe · Eq €148k
DASO INVEST OOSTENDE
BE 0776.616.741
Oostende · Eq €148k
A.L. MANAGEMENT
BE 0449.225.707
Jalhay · Eq €146k
SHOREBREAK
BE 0881.078.516
Koksijde · Eq €151k
Of 3,876 companies in sector 93199 we hold annual accounts for 606. 438 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-07-2010
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
93199Other sports activities
95319Other maintenance and repair of motor vehicles
71209Other technical testing and analysis
77110Renting and leasing of cars and light motor vehicles
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.