JCÔME
ActiveSummary
The computed 12-month bankruptcy probability of JCÔME is 2.5% (moderate). The 2024 annual accounts show equity of €49k and a net result of €11k. Equity is growing by ~45.6% per year across the filed fiscal years. Its solvency ranks better than 78% of 5893 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability89▼-4
Solvency94▲+25
Growth78=
Track record100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.38 against 1.21 in 2023; short-term debt: 31% and cash: 14.1% of total assets), and 31% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← 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
69%
Return on assets
15.8%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-05-2025, 69 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
69 d early
2023
69 d early
2022
74 d early
2021
69 d early
2020
53 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€49k▲ 24.3%
2023 · €40k
2020: €7klowest in 5 years
2021: €15k▲ +119% vs 2020
2022: €23k▲ +52.0% vs 2021
2023: €40k▲ +68.9% vs 2022
2024: €49k▲ +24.3% vs 2023highest in 5 years
2020 → 2024
Total assets
€71k▼ 20.7%
2023 · €90k
2020: €43klowest in 5 years
2021: €66k▲ +53.1% vs 2020
2022: €58k▼ -11.5% vs 2021
2023: €90k▲ +53.6% vs 2022highest in 5 years
2024: €71k▼ -20.7% vs 2023
2020 → 2024
Net result
€11k▼ 36.4%
2023 · €18k
2020: €4klowest in 5 years
2021: €10k▲ +175% vs 2020
2022: €10k▼ -3.5% vs 2021
2023: €18k▲ +84.5% vs 2022highest in 5 years
2024: €11k▼ -36.4% vs 2023
2020 → 2024
Working capital
€30k▲ 190%
2023 · €10k
2020: €-8k
2021: €-13k▼ -53.3% vs 2020lowest in 5 years
2022: €-6k▲ +52.3% vs 2021
2023: €10k▲ +273% vs 2022
2024: €30k▲ +190% vs 2023highest in 5 years
2020 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€7k-€15k▲ 119%€23k▲ 52.0%€40k▲ 68.9%€49k▲ 24.3%
2020: €7klowest in 5 years
2021: €15k▲ +119% vs 2020
2022: €23k▲ +52.0% vs 2021
2023: €40k▲ +68.9% vs 2022
2024: €49k▲ +24.3% vs 2023highest in 5 years
Operating result€4k-€12k▲ 175%€13k▲ 3.7%€19k▲ 47.1%€11k▼ 38.7%
2020: €4klowest in 5 years
2021: €12k▲ +175% vs 2020
2022: €13k▲ +3.7% vs 2021
2023: €19k▲ +47.1% vs 2022highest in 5 years
2024: €11k▼ -38.7% vs 2023
Net result€4k-€10k▲ 175%€10k▼ 3.5%€18k▲ 84.5%€11k▼ 36.4%
2020: €4klowest in 5 years
2021: €10k▲ +175% vs 2020
2022: €10k▼ -3.5% vs 2021
2023: €18k▲ +84.5% vs 2022highest in 5 years
2024: €11k▼ -36.4% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 39% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €71k
Fixed assets
€19k ▼ 35.6%
Current assets
€52k ▼ 13.6%
Equity and liabilities €71k
Equity
€49k ▲ 24.3%
Debt
€22k ▼ 56.1%
Debt's share of the balance-sheet total falls from 56.0% to 31.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▼
2023 · €30k
Cash flow
€22k▼
2023 · €29k
Current ratio
2.38▲
2023 · 1.21
Debt to equity
0.45▼
2023 · 1.27
ROE
22.9%▼
2023 · 44.8%
ROA
15.8%▼
2023 · 19.7%
Interest coverage
203.17▲
2023 · 150.09
Debt ≤ 1 year
€22k▼
2023 · €50k
Income taxes
€231▼
2023 · €987
Staff costs
€55k▲
2023 · €55k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€90k€71k▼
Fixed assets21/28€29k€19k▼
Tangible fixed assets22/27€29k€19k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€3k€5k▲
Leasing and similar rights25€8k-
Other tangible fixed assets26€12k€11k▼
Financial fixed assets28€175€175=
Current assets29/58€61k€52k▼
Amounts receivable within one year40/41€34k€41k▲
Trade receivables40€23k€32k▲
Other amounts receivable41€11k€9k▼
Cash at bank and in hand54/58€25k€10k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€90k€71k▼
Equity10/15€40k€49k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€35k€44k▲
Amounts payable17/49€50k€22k▼
Amounts payable within one year42/48€50k€22k▼
Current portion of amounts payable after more than one year42€5k-
Trade debts44€27k€14k▼
Suppliers440/4€27k€14k▼
Advances received on contracts in progress46€5k-
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€3k€537▼
Remuneration and social security454/9€5k€5k▼
Other amounts payable47/48€4k€2k▼
Income statement
Code20232024
Remuneration, social security and pensions62€55k€55k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€571€837▲
Gross operating margin9900€86k€78k▼
Operating profit (loss)9901€19k€11k▼
Financial income75/76B€156€118▼
Recurring financial income75€156€118▼
Financial charges65/66B€199€107▼
Recurring financial charges65€199€107▼
Profit (loss) for the period before taxes9903€19k€11k▼
Income taxes67/77€987€231▼
Profit (loss) for the period9904€18k€11k▼
Profit (loss) for the period to be appropriated9905€18k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€46k▲
Profit (loss) brought forward from the previous period14P€18k€35k▲
Profit to be distributed694/7€2k€2k▲
Return on contributions (dividend)694€2k€2k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €18k | €52k | €55k | €55k | ▲ 0.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €9k | €11k | €11k | €10k | ▼ 6.6% |
| Other operating charges640/8 | - | €589 | €542 | €571 | €837 | ▲ 46.7% |
| Gross operating margin9900 | €9k | €40k | €76k | €86k | €78k | ▼ 9.0% |
| Operating profit (loss)9901 | €4k | €12k | €13k | €19k | €11k | ▼ 38.7% |
| Financial income75/76B | - | €107 | €97 | €156 | €118 | ▼ 24.4% |
| Recurring financial income75 | €137 | €107 | €97 | €156 | €118 | ▼ 24.4% |
| Financial charges65/66B | - | €380 | €311 | €199 | €107 | ▼ 46.0% |
| Recurring financial charges65 | €311 | €380 | €311 | €199 | €107 | ▼ 46.0% |
| Profit (loss) for the period before taxes9903 | €4k | €12k | €13k | €19k | €11k | ▼ 38.5% |
| Income taxes67/77 | €676 | €2k | €3k | €987 | €231 | ▼ 76.6% |
| Profit (loss) for the period9904 | €4k | €10k | €10k | €18k | €11k | ▼ 36.4% |
| Profit (loss) for the period to be appropriated9905 | €4k | €10k | €10k | €18k | €11k | ▼ 36.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €43k | €66k | €58k | €90k | €71k | ▼ 20.7% |
| Fixed assets21/28 | €31k | €38k | €34k | €29k | €19k | ▼ 35.6% |
| Tangible fixed assets22/27 | €31k | €38k | €34k | €29k | €19k | ▼ 35.8% |
| Plant, machinery and equipment23 | - | €6k | €7k | €6k | €3k | ▼ 49.1% |
| Furniture and vehicles24 | - | - | €889 | €3k | €5k | ▲ 87.7% |
| Leasing and similar rights25 | - | €17k | €12k | €8k | - | - |
| Other tangible fixed assets26 | - | €16k | €14k | €12k | €11k | ▼ 14.3% |
| Financial fixed assets28 | - | €175 | €175 | €175 | €175 | = |
| Current assets29/58 | €12k | €28k | €24k | €61k | €52k | ▼ 13.6% |
| Amounts receivable within one year40/41 | €3k | €11k | €16k | €34k | €41k | ▲ 20.1% |
| Trade receivables40 | - | €11k | €10k | €23k | €32k | ▲ 39.9% |
| Other amounts receivable41 | - | - | €6k | €11k | €9k | ▼ 19.7% |
| Cash at bank and in hand54/58 | €9k | €15k | €7k | €25k | €10k | ▼ 60.7% |
| Deferred charges and accrued income490/1 | - | €1k | €1k | €1k | €1k | ▲ 28.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €43k | €66k | €58k | €90k | €71k | ▼ 20.7% |
| Equity10/15 | €7k | €15k | €23k | €40k | €49k | ▲ 24.3% |
| Contributions10/11 | - | €5k | €5k | €5k | €5k | = |
| Profit (loss) carried forward14 | €2k | €10k | €18k | €35k | €44k | ▲ 27.8% |
| Amounts payable17/49 | €36k | €51k | €35k | €50k | €22k | ▼ 56.1% |
| Amounts payable after more than one year17 | €16k | €10k | €5k | - | - | - |
| Financial debts170/4 | - | €10k | €5k | - | - | - |
| Amounts payable within one year42/48 | €20k | €40k | €30k | €50k | €22k | ▼ 56.1% |
| Current portion of amounts payable after more than one year42 | - | €5k | €5k | €5k | - | - |
| Trade debts44 | €3k | €17k | €14k | €27k | €14k | ▼ 48.3% |
| Suppliers440/4 | - | €17k | €14k | €27k | €14k | ▼ 48.3% |
| Advances received on contracts in progress46 | - | - | - | €5k | - | - |
| Taxes, remuneration and social security45 | - | €6k | €7k | €9k | €6k | ▼ 34.2% |
| Taxes450/3 | - | €3k | €3k | €3k | €537 | ▼ 84.4% |
| Remuneration and social security454/9 | - | €4k | €3k | €5k | €5k | ▼ 0.9% |
| Other amounts payable47/48 | - | €12k | €4k | €4k | €2k | ▼ 45.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4k | €10k | €10k | €18k | €11k | ▼ 36.4% |
| + Depreciation and write-downs630 | €4k | €9k | €11k | €11k | €10k | ▼ 6.6% |
| Operating cash flow (approximation) | €8k | €19k | €20k | €29k | €22k | ▼ 25.0% |
| Investment in fixed assets (approximation) | - | €-16k | €-7k | €-6k | €0 | ▲ 100% |
| Change in cash | - | €6k | €-9k | €19k | €-15k | ▼ 181% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €18k ▲84.5%
Operating result €19k, net result €18k, both a record.
18-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Bastogne · 1 establishment unit since 2020
Ground area
1,046 m²
Building footprint
109 m²
Volume, LiDAR
807 m³
Parcel 82016A2215/00C000, Wallonia · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JCÔME
since 20202.301.677.465
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82016A2215/00C000 | Wallonia | 1,046 m² | 1 · 109 m² | 8.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 21,213 companies in sector 81300 we hold annual accounts for 4,364. 3,607 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
81300Landscape service activities
43320Joinery installation
Contact
E-mail
jclementome@gmail.com
Phone
+32471513539
Scores and ratios are computed by Checked and are not a credit decision.