JD Optimal
ActiveSummary
The computed 12-month bankruptcy probability of JD Optimal is 2.7% (moderate). The 2025 annual accounts show equity of €213,103 and a net result of -€131. Equity is growing by ~28.7% per year across the filed fiscal years. Its solvency ranks better than 45% of 18606 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
Profitability51▼-29
Solvency53▼-7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.56 in 2024; short-term debt: 47.8% and cash: 10.5% of total assets), and 72% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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 2025Solvency, return and age of the figures
Solvency
28%
Return on assets
0%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
20 d late
2023
28 d late
2022
23 d late
2021
27 d late
2020
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 21 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€213,103▼ 0.1%
2024 · €213,234
Total assets
€760,862▲ 25.6%
2024 · €605,919
Net result
-€131
2024 · €55,459
Working capital
€113,772▼ 21.9%
2024 · €145,593
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€50,826▲ 103%€5,914▼ 88.4%€89,634▲ 1,416%€78,086▼ 12.9%€6,732▼ 91.4%
Net result€45,992above the sector's middle half▲ 144%€909within the sector's middle half▼ 98.0%€62,060above the sector's middle half▲ 6,724%€55,459above the sector's middle half▼ 10.6%-€131within the sector's middle half
Equity€94,806within the sector's middle half▲ 94.2%€95,715within the sector's middle half▲ 1.0%€157,775above the sector's middle half▲ 64.8%€213,234above the sector's middle half▲ 35.2%€213,103above the sector's middle half▼ 0.1%
Total assets€637,620above the sector's middle half▲ 140%€583,587above the sector's middle half▼ 8.5%€600,008above the sector's middle half▲ 2.8%€605,919above the sector's middle half▲ 1.0%€760,862above the sector's middle half▲ 25.6%
Debt€542,814▲ 150%€487,871▼ 10.1%€442,233▼ 9.4%€392,685▼ 11.2%€547,760▲ 39.5%
Working capital€181,140above the sector's middle half▲ 150%€157,626above the sector's middle half▼ 13.0%€146,954above the sector's middle half▼ 6.8%€145,593above the sector's middle half▼ 0.9%€113,772above the sector's middle half▼ 21.9%
Solvency14.9%within the sector's middle half▼ 3.5pp16.4%within the sector's middle half▲ 1.5pp26.3%within the sector's middle half▲ 9.9pp35.2%within the sector's middle half▲ 8.9pp28.0%within the sector's middle half▼ 7.2pp
Current ratio1.71within the sector's middle half▲ 0.251.63within the sector's middle half▼ 0.081.57within the sector's middle half▼ 0.061.56within the sector's middle half▼ 0.011.31within the sector's middle half▼ 0.24
Return on assets (ROA)7.2%within the sector's middle half▲ 0.1pp0.2%within the sector's middle half▼ 7.1pp10.3%within the sector's middle half▲ 10.2pp9.2%within the sector's middle half▼ 1.2pp0.0%within the sector's middle half▼ 9.2pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 91% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €760,862
Fixed assets
€283,231 ▲ 42.5%
Current assets
€477,631 ▲ 17.3%
Equity and liabilities €760,862
Equity
€213,103 ▼ 0.1%
Debt
€547,760 ▲ 39.5%
Debt's share of the balance-sheet total rises from 64.8% to 72.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€47,525▼
2024 · €108,737
Cash flow
€40,663▼
2024 · €86,109
Quick ratio
0.48▲
2024 · 0.36
Debt to equity
2.57▲
2024 · 1.84
ROE
-0.1%▼
2024 · 26.0%
Interest coverage
3.91▼
2024 · 12.86
Debt ≤ 1 year
€363,859▲
2024 · €261,587
Debt > 1 year
€179,331▲
2024 · €131,098
Income taxes
€246▼
2024 · €20,701
Staff costs
€262,451▲
2024 · €208,881
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 747 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 10 to 30%
- a small loss
1.2%
went bankrupt
1.9%
stopped otherwise
97%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 747 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €172,476 | €186,268 | €208,881 | €262,451 | ▲ 25.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,797 | €25,814 | €25,995 | €30,651 | €40,794 | ▲ 33.1% |
| Other operating charges640/8 | - | €61 | €73 | €37 | €699 | ▲ 1,810% |
| Gross operating margin9900 | €144,917 | €204,266 | €301,970 | €317,654 | €310,675 | ▼ 2.2% |
| Operating profit (loss)9901 | €50,826 | €5,914 | €89,634 | €78,086 | €6,732 | ▼ 91.4% |
| Financial income75/76B | - | €6,043 | €4,902 | €6,531 | €5,553 | ▼ 15.0% |
| Recurring financial income75 | €3,149 | €6,043 | €4,902 | €6,531 | €5,553 | ▼ 15.0% |
| Financial charges65/66B | - | €10,233 | €9,941 | €8,458 | €12,170 | ▲ 43.9% |
| Recurring financial charges65 | €5,101 | €10,233 | €9,941 | €8,458 | €12,170 | ▲ 43.9% |
| Profit (loss) for the period before taxes9903 | €48,874 | €1,724 | €84,596 | €76,159 | €115 | ▼ 99.8% |
| Income taxes67/77 | €2,882 | €815 | €22,536 | €20,701 | €246 | ▼ 98.8% |
| Profit (loss) for the period9904 | €45,992 | €909 | €62,060 | €55,459 | -€131 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | €45,992 | €909 | €62,060 | €55,459 | -€131 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €637,620 | €583,587 | €600,008 | €605,919 | €760,862 | ▲ 25.6% |
| Fixed assets21/28 | €199,832 | €175,183 | €193,187 | €198,739 | €283,231 | ▲ 42.5% |
| Intangible fixed assets21 | €38,783 | €33,169 | €29,169 | €25,169 | €21,169 | ▼ 15.9% |
| Tangible fixed assets22/27 | €160,989 | €141,955 | €163,959 | €173,510 | €262,003 | ▲ 51.0% |
| Plant, machinery and equipment23 | - | €114,634 | €141,234 | €141,697 | €232,933 | ▲ 64.4% |
| Furniture and vehicles24 | - | €27,321 | €22,725 | €21,242 | €20,921 | ▼ 1.5% |
| Leasing and similar rights25 | - | - | - | €10,570 | €8,149 | ▼ 22.9% |
| Financial fixed assets28 | €60 | €60 | €60 | €60 | €60 | = |
| Current assets29/58 | €437,788 | €408,403 | €406,821 | €407,180 | €477,631 | ▲ 17.3% |
| Stocks and contracts in progress3 | €289,386 | €271,938 | €311,838 | €312,453 | €303,732 | ▼ 2.8% |
| Stocks30/36 | - | €271,938 | €311,838 | €312,453 | €303,732 | ▼ 2.8% |
| Amounts receivable within one year40/41 | €72,783 | €14,991 | €20,565 | €49,089 | €91,949 | ▲ 87.3% |
| Trade receivables40 | - | €8,787 | €14,362 | €9,914 | €66,935 | ▲ 575% |
| Other amounts receivable41 | - | €6,203 | €6,203 | €39,176 | €25,013 | ▼ 36.2% |
| Cash at bank and in hand54/58 | €74,106 | €109,463 | €62,226 | €33,679 | €80,190 | ▲ 138% |
| Deferred charges and accrued income490/1 | - | €12,012 | €12,192 | €11,959 | €1,760 | ▼ 85.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €637,620 | €583,587 | €600,008 | €605,919 | €760,862 | ▲ 25.6% |
| Equity10/15 | €94,806 | €95,715 | €157,775 | €213,234 | €213,103 | ▼ 0.1% |
| Contributions10/11 | €30,000 | €30,000 | €30,000 | €30,000 | €30,000 | = |
| Reserves13 | €38,500 | €39,500 | €99,500 | €154,500 | €154,500 | = |
| Distributable reserves133 | - | €39,500 | €99,500 | €154,500 | €154,500 | = |
| Profit (loss) carried forward14 | €26,306 | €26,215 | €28,275 | €28,734 | €28,603 | ▼ 0.5% |
| Amounts payable17/49 | €542,814 | €487,871 | €442,233 | €392,685 | €547,760 | ▲ 39.5% |
| Amounts payable after more than one year17 | €281,596 | €232,524 | €182,366 | €131,098 | €179,331 | ▲ 36.8% |
| Financial debts170/4 | - | €232,524 | €182,366 | €131,098 | €179,331 | ▲ 36.8% |
| Amounts payable within one year42/48 | €256,647 | €250,777 | €259,867 | €261,587 | €363,859 | ▲ 39.1% |
| Current portion of amounts payable after more than one year42 | - | €49,072 | €54,728 | €55,838 | €70,530 | ▲ 26.3% |
| Trade debts44 | €88,419 | €54,719 | €52,594 | €52,641 | €101,187 | ▲ 92.2% |
| Suppliers440/4 | - | €54,719 | €52,594 | €52,641 | €101,187 | ▲ 92.2% |
| Taxes, remuneration and social security45 | - | €67,320 | €64,078 | €61,129 | €77,346 | ▲ 26.5% |
| Taxes450/3 | - | €24,028 | €25,820 | €16,470 | €24,520 | ▲ 48.9% |
| Remuneration and social security454/9 | - | €43,292 | €38,258 | €44,659 | €52,827 | ▲ 18.3% |
| Other amounts payable47/48 | - | €79,666 | €88,468 | €91,979 | €114,795 | ▲ 24.8% |
| Accrued charges and deferred income492/3 | - | €4,570 | - | - | €4,570 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €45,992 | €909 | €62,060 | €55,459 | -€131 | ▼ 100% |
| + Depreciation and write-downs630 | €13,797 | €25,814 | €25,995 | €30,651 | €40,794 | ▲ 33.1% |
| Operating cash flow (approximation) | €59,789 | €26,724 | €88,054 | €86,109 | €40,663 | ▼ 52.8% |
| Investment in fixed assets (approximation) | - | -€1,166 | -€43,999 | -€36,202 | -€125,286 | ▼ 246% |
| Change in cash | - | €35,357 | -€47,237 | -€28,546 | €46,511 | ▲ 263% |
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet -€131
Net result drops to -€131, the lowest in the series.
20-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
30-06
Financial
Equity above €200,000Eq €213,234 ▲35.2%
5 profitable years in a row build equity to €213,234.
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
30-06
Financial
Highest result since 2020net €62,060 ▲6,724%
Operating result €89,634, net result €62,060, both a record.
30-06
Financial
Equity above €150,000Eq €157,775 ▲64.8%
4 profitable years in a row build equity to €157,775.
23-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
27-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Dour · 2 establishment units since 2019
Ground area
2,174 m²
Building footprint
1,688 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
POILS ET PLUMES
since 20192.290.340.838
POILS ET PLUMES
since 20212.312.857.706
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57048A0718/00H000 | Wallonia | 1,539 m² | 1 · 1,151 m² | - |
| 53020A1209/00T004 | Wallonia | 634 m² | 1 · 536 m² | - |
Linked by address, not proof of ownership
Good to know
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
2 sitesDour2.312.857.706
Leuze-en-Hainaut2.290.340.838
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Of 1,330 companies in sector 47762 we hold annual accounts for 479. 370 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
Founded05-06-2019
Fiscal year end30-06
Activities, NACEBEL 2025
47762Retail sale of pets, pet food and pet supplies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0727775558
Registered
19-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.