JDCAI · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of JDCAI is 0.4% (very low). The 2025 annual accounts show equity of €162k and a net result of €64k. Equity is growing by ~59.5% per year across the filed fiscal years. Its solvency ranks better than 75% of 2748 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 75% of 2748 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Trust signals

3 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€64k+18.2%

Working capital€130k+48.1%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 08-04-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~59.5%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	81.4%	62.2%	better than 75% of 2748 sector peers
Net result	€64k	€40k	better than 74% of 2750 sector peers
Equity	€162k	€62k	better than 84% of 2749 sector peers
Gross operating margin	€84k	€63k	better than 68% of 2750 sector peers
Total assets	€199k	€121k	better than 74% of 2750 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P75

Improving position over 2023-2025 · n=2748-7335

Net result P74

Stable position over 2023-2025 · n=2750-7332

Equity P84

Improving position over 2023-2025 · n=2749-7337

Gross operating margin P68

Improving position over 2023-2025 · n=2750-7326

Describes the position versus peers, not a forecast.

EBITDA

€84k

+22.3% 23-25

Net profit

€64k

+18.2% 23-25

Cash flow

€72k

+31.3% 23-25

Total assets

€199k

+48.0% 23-25

Equity

€162k

+64.5% 23-25

Working capital

€130k

+48.1% 23-25

Income taxes

€15k

+12.4% 23-25

Debt

€37k

+2.9% 23-25

Debt ≤ 1y

€37k

+2.9% 23-25

Current ratio

4.51

+31.1% 23-25

Quick ratio

4.51

+31.1% 23-25

Solvency

81.4%

+11.1% 23-25

Debt / equity

0.23

-37.4% 23-25

ROE

39.2%

-28.2% 23-25

ROA

31.9%

-20.2% 23-25

Interest coverage

96.37

-100.0% 23-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	-
EBITDA	€84k
Net profit	€64k
Cash flow	€72k
Staff costs	-
Income taxes	€15k
Dividends	-
Total assets	€199k
Equity	€162k
Debt	€37k
of which ≤ 1y	€37k
of which > 1y	-
Working capital	€130k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	4.51
Quick ratio	4.51
Working capital ratio	65.1%
Solvency	81.4%
Debt / equity	0.23
Long-term debt ratio	-
Interest coverage	96.37
Gross margin	-
Net margin	-
ROA	31.9%
ROE	39.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €32k · 16.3% Current assets €166k · 83.7%

Equity & liabilities

Equity €162k · 81.4% Debt €37k · 18.6%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€199k
Fixed assets	21/28	€32k
Tangible fixed assets	22/27	€32k
Current assets	29/58	€166k
Amounts receivable within one year	40/41	€21k
Investments	50/53	€37k
Cash & bank	54/58	€109k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€199k
Equity	10/15	€162k
Contributions / capital	10/11	€5k
Reserves	13	€157k
Amounts payable	17/49	€37k
Amounts payable within one year	42/48	€37k
Trade debts payable within one year	44	€372
Income statement
Gross operating margin	9900	€84k
Operating result	9901	€75k
Financial income	75	€5k
Financial charges	65	€872
Result before taxes	9903	€79k
Income taxes	67/77	€15k
Net result for the period	9904	€64k
Result to be appropriated	9905	€64k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →

Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Structure & network

Locations & real estate

Establishment units

1 location

JDCAI

Heirbaan(HSD) 546, 9120 Beveren-Kruibeke-ZwijndrechtUitgeven van overige software

since 20232.345.973.308

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area520 m²

Buildings1

Building footprint93 m²

Volume (LiDAR)751 m³

Tallest building11.1 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)