JDC Express
ActiveThe computed 12-month bankruptcy probability of JDC Express is 2.8% (moderate). The 2025 annual accounts show equity of €15k and a net result of €9k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 59% of 4575 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
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency73▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 1.22 in 2024; short-term debt: 52.3% and cash: 53.6% of total assets), but 52.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
47.7%
Return on assets
30.2%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
7 d early
2024
14 d early
2023
23 d late
2022
12 d early
2021
53 d late
2020
62 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▲ 33.6%
2024 · €11k
2020: €8k
2021: €9k
2022: €5k
2023: €5k
2024: €11k
2020 → 2025
Total assets
€31k▲ 7.5%
2024 · €29k
2020: €13k
2021: €13k
2022: €52k
2023: €24k
2024: €29k
2020 → 2025
Net result
€9k▲ 6.7%
2024 · €9k
2020: €5k
2021: €268
2022: €-4k
2023: €241
2024: €9k
2020 → 2025
Working capital
€10k▲ 223%
2024 · €3k
2020: €5k
2021: €7k
2022: €-3k
2023: €-510
2024: €3k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€5k▼ 47.2%€5k▲ 5.3%€11k▲ 130%€15k▲ 33.6%
Operating result€2k-€-2k€3k€14k▲ 386%€14k▲ 1.6%
Net result€268-€-4k€241€9k▲ 3,512%€9k▲ 6.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31k
Fixed assets
€4k▼ 60.9%
Current assets
€27k▲ 49.3%
Equity and liabilities €31k
Equity
€15k▲ 33.6%
Debt
€16k▼ 8.8%
The debt ratio falls from 61.6% to 52.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23k▲
2024 · €21k
Cash flow
€18k▲
2024 · €16k
Solvency
47.7%▲
2024 · 38.4%
Current ratio
1.65▲
2024 · 1.22
Quick ratio
1.65▲
2024 · 1.22
Debt / equity
1.10▼
2024 · 1.60
ROE
63.3%▼
2024 · 79.2%
ROA
30.2%▼
2024 · 30.4%
Interest coverage
40.84▲
2024 · 17.60
Debt
€16k▼
2024 · €18k
Debt ≤ 1 year
€16k▲
2024 · €15k
Income taxes
€4k▲
2024 · €4k
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€29k€31k▲
Fixed assets21/28€11k€4k▼
Tangible fixed assets22/27€11k€4k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€11k€2k▼
Current assets29/58€18k€27k▲
Amounts receivable within one year40/41€10k€9k▼
Trade receivables40€7k€6k▼
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€7k€17k▲
Deferred charges and accrued income490/1€593€753▲
Equity and liabilities
Total equity and liabilities10/49€29k€31k▲
Equity10/15€11k€15k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€7k€11k▲
Amounts payable17/49€18k€16k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€15k€16k▲
Current portion of amounts payable after more than one year42€6k€3k▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€633€4k▲
Accrued charges and deferred income492/3€31-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€9k▲
Other operating charges640/8€559€280▼
Non-recurring operating charges66A€63€477▲
Gross operating margin9900€22k€23k▲
Operating profit (loss)9901€14k€14k▲
Financial charges65/66B€1k€557▼
Recurring financial charges65€1k€557▼
Profit (loss) for the period before taxes9903€13k€14k▲
Income taxes67/77€4k€4k▲
Profit (loss) for the period9904€9k€9k▲
Profit (loss) for the period to be appropriated9905€9k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€17k▲
Profit (loss) brought forward from the previous period14P€1k€7k▲
Profit to be distributed694/7€3k€6k▲
Return on contributions (dividend)694€3k€6k▲
The notes to these accounts (5 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €9k ▲6.7%
Operating result €14k, net result €9k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Back to profitnet €241
Net result €241 after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-4k ▼1614%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
22-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 53 days late
2021
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 62 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Tournai · 1 establishment unit since 2019
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.
Grand'Route(G-R) 2157530 TournaiGround area
763 m²
Building footprint
82 m²
Volume, LiDAR
539 m³
Parcel 57033C0058/00E000, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JDC Express
since 20192.303.411.983
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57033C0058/00E000 | Wallonia | 763 m² | 1 · 82 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 12,606 companies in sector 49410 we hold annual accounts for 8,203. 4,491 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-11-2019
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.