JCV
ActiveSummary
The computed 12-month bankruptcy probability of JCV is 2.7% (moderate). The 2025 annual accounts show negative equity (€-5k) and a net result of €-8k. Equity is shrinking by ~48% per year across the filed fiscal years. Its solvency ranks better than 16% of 18400 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency3▼-35
Growth32=
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.74 against 1.13 in 2024; short-term debt: 117% of total assets), and equity is negative.
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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 · 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 2025Solvency, return and age of the figures
Solvency
-21.9%
Return on assets
-36.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-5k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
61 d late
2022
220 d late
2021
31 d late
2020
143 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-5k
2024 · €3k
Total assets
€23k▼ 11.4%
2024 · €26k
Net result
€-8k▼ 110%
2024 · €-4k
Working capital
€-7k
2024 · €3k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€3k▼ 76.5%€978▼ 71.4%€-7k€-4k▲ 48.2%€-8k▼ 113%
Net result€2k▼ 88.0%€-4k€-8k▼ 68.0%€-4k▲ 46.7%€-8k▼ 110%
Equity€19k▲ 9.9%€15k▼ 23.1%€7k▼ 50.6%€3k▼ 54.5%€-5k
Total assets€48k▼ 0.1%€41k▼ 14.2%€28k▼ 31.8%€26k▼ 7.3%€23k▼ 11.4%
Debt€29k▼ 5.9%€27k▼ 8.2%€21k▼ 21.4%€23k▲ 9.4%€28k▲ 23.8%
Working capital€19k▲ 9.9%€9k▼ 54.8%€3k▼ 70.5%€3k▼ 1.0%€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €4k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23k
Fixed assets
€3k ▼ 10.0%
Current assets
€20k ▼ 11.6%
Key figures and ratios
EBITDA
€-8k▼
2024 · €-3k
Cash flow
€-8k▼
2024 · €-3k
Solvency
-21.9%▼
2024 · 12.7%
Current ratio
0.74▼
2024 · 1.13
Debt to equity
-5.57▼
2024 · 6.84
ROA
-36.3%▼
2024 · -15.3%
Interest coverage
-39.69▼
2024 · -16.97
Debt ≤ 1 year
€27k▲
2024 · €20k
Debt > 1 year
€1k▼
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €5k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €379 | €1k | €1k | €414 | ▼ 69.5% |
| Other operating charges640/8 | €6k | €825 | €368 | €248 | €155 | ▼ 37.5% |
| Non-recurring operating charges66A | - | - | €2k | - | - | - |
| Gross operating margin9900 | €9k | €2k | €-4k | €-2k | €-8k | ▼ 238% |
| Operating profit (loss)9901 | €3k | €978 | €-7k | €-4k | €-8k | ▼ 113% |
| Financial income75/76B | €71 | €0 | €136 | €9 | €3 | ▼ 66.7% |
| Recurring financial income75 | €71 | €0 | €136 | €9 | €3 | ▼ 66.7% |
| Financial charges65/66B | €912 | €145 | €194 | €148 | €197 | ▲ 33.1% |
| Recurring financial charges65 | €912 | €145 | €194 | €148 | €197 | ▲ 33.1% |
| Profit (loss) for the period before taxes9903 | €3k | €832 | €-8k | €-4k | €-8k | ▼ 110% |
| Income taxes67/77 | €828 | €5k | - | - | - | - |
| Profit (loss) for the period9904 | €2k | €-4k | €-8k | €-4k | €-8k | ▼ 110% |
| Profit (loss) for the period to be appropriated9905 | €2k | €-4k | €-8k | €-4k | €-8k | ▼ 110% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €48k | €41k | €28k | €26k | €23k | ▼ 11.4% |
| Fixed assets21/28 | - | €6k | €5k | €3k | €3k | ▼ 10.0% |
| Tangible fixed assets22/27 | - | €6k | €5k | €3k | €3k | ▼ 10.0% |
| Plant, machinery and equipment23 | - | €335 | €196 | €57 | €3k | ▲ 5,291% |
| Furniture and vehicles24 | - | €6k | €5k | €3k | - | - |
| Current assets29/58 | €48k | €35k | €23k | €23k | €20k | ▼ 11.6% |
| Stocks and contracts in progress3 | - | €5k | €2k | - | - | - |
| Stocks30/36 | - | €5k | €2k | - | - | - |
| Amounts receivable within one year40/41 | €15k | €6k | €4k | €10k | €7k | ▼ 33.6% |
| Trade receivables40 | €14k | €6k | €4k | €10k | €6k | ▼ 43.4% |
| Other amounts receivable41 | €636 | - | €344 | €25 | €1k | ▲ 3,968% |
| Current investments50/53 | €22k | €17k | €16k | €13k | €13k | ▲ 6.3% |
| Cash at bank and in hand54/58 | €12k | €7k | €911 | - | - | - |
| Deferred charges and accrued income490/1 | - | €591 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €48k | €41k | €28k | €26k | €23k | ▼ 11.4% |
| Equity10/15 | €19k | €15k | €7k | €3k | €-5k | ▼ 252% |
| Contributions10/11 | €3k | €3k | €3k | €3k | €3k | = |
| Reserves13 | €16k | €16k | €16k | €16k | €16k | = |
| Non-distributable reserves130/1 | €300 | €300 | €300 | €300 | €300 | = |
| Other1319 | €300 | €300 | €300 | €300 | €300 | = |
| Distributable reserves133 | €16k | €16k | €16k | €16k | €16k | = |
| Profit (loss) carried forward14 | - | €-4k | €-12k | €-16k | €-24k | ▼ 52.6% |
| Amounts payable17/49 | €29k | €27k | €21k | €23k | €28k | ▲ 23.8% |
| Amounts payable after more than one year17 | - | - | - | €3k | €1k | ▼ 57.1% |
| Financial debts170/4 | - | - | - | €3k | €1k | ▼ 57.1% |
| Amounts payable within one year42/48 | €29k | €27k | €21k | €20k | €27k | ▲ 34.3% |
| Current portion of amounts payable after more than one year42 | - | - | - | €2k | €2k | = |
| Financial debts43 | - | - | - | €2k | €2k | ▼ 14.5% |
| Credit institutions430/8 | - | - | - | €2k | €2k | ▼ 14.5% |
| Trade debts44 | €7k | €7k | €3k | - | €6k | - |
| Suppliers440/4 | €7k | €7k | €3k | - | €6k | - |
| Advances received on contracts in progress46 | €5k | - | - | - | - | - |
| Taxes, remuneration and social security45 | €1k | €4k | €1k | €13 | - | - |
| Taxes450/3 | €1k | €4k | €1k | €13 | - | - |
| Other amounts payable47/48 | €15k | €15k | €16k | €16k | €18k | ▲ 6.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2k | €-4k | €-8k | €-4k | €-8k | ▼ 110% |
| + Depreciation and write-downs630 | - | €379 | €1k | €1k | €414 | ▼ 69.5% |
| Operating cash flow (approximation) | €2k | €-4k | €-6k | €-3k | €-8k | ▼ 202% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | €-73 | ▼ 18,618% |
| Change in cash | - | €-5k | €-6k | - | - | - |
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
07-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 220 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 143 days late
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, Zonhoven · 1 establishment unit since 2019
Ground area
775 m²
Building footprint
170 m²
Volume, LiDAR
741 m³
Parcel 71442C0683/00F000, Flanders · tallest building 7.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JCV
since 20192.291.219.281
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71442C0683/00F000 | Flanders | 775 m² | 1 · 170 m² | 7.6 m · 1 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 911 companies in sector 47793 we hold annual accounts for 161. 52 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
Founded03-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47793Retail sale of other second-hand goods, excluding clothing
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.