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JF COURTOIS

Active
Private limited companyfounded 2021active for 4 yearsVoie de l'Ardenne 19, 4053 Chaudfontaine, BelgiumKBO/BCE: BE 0777.360.770
Summary

JF COURTOIS has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10,746 and a net result of €57,678. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 13% of 15,759 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 16-11-2021 Normal situation
Activity
Activities of lawyers NACE 69101
Establishment unit
2.324.997.849 4000 Liège, since 16-11-2021
Financial year end
31 December
Peppol
Reachable since 10-02-2026

Board and ownership

Board
  • COURTOIS Jean-FrançoisDirector · since 16-11-2021

Financial position

91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€109,462
▲ 56.5%
Turnover
≈ €190,000
estimated
Profit
€57,678
▲ 98.6%
Equity
€10,746
▼ 77.6%
Total assets
€104,319
▲ 25.2%
Employees on 31-12-2025
1
=
  • 2025 accounts filed 31 days after the deadline
Filed on 31-08-2026
Score breakdownraises riskEquity €10,746 (10.3% of total assets)lowers riskSector: Legal and accounting activities (NACE 69)Liquidity: current ratio 1.10, cash €31,009Size: total assets €104,319Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 29% of micro companies in legal and accounting (NACE 69)
Financial strength · tick: 2024
Average
Solvency 35-47
equity 10.3% of total assets
Liquidity 37-43
short-term debt 89.7% · cash 29.7%
Profitability 100=
return on assets 55.3%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (20,087 companies, NACE 69, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: 0.1%▲ +0.1 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025highest value 10-2025: < 0.1%▼ -0.1 percentage points vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.1 (2.32 in 2024), below the usual 1.5. Short-term debt is 89.7% and cash 29.7% of total assets. 89.7% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 15% of them on solvency, 13% on liquidity, 82% on profitability and 6% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
lowers risk · Sector: Legal and accounting activities (NACE 69)
KBO
lowers risk · Liquidity: current ratio 1.10, cash €31,009
NBB · annual accounts
lowers risk · Size: total assets €104,319
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Equity €10,746 (10.3% of total assets)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 15759 sector peers (2025).
NBB · sector comparison
Position among 15759 sector peers
Solvency
better than 13%
← weakest strongest →
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filings
Deviation from the deadline
2025
31 days late
2024
29 days late
2023
26 days early
2022
21 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 14 days after the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 August (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower solvency than 86% of companies in legal and accountingsector median 56.9% · 15,759 companies 10.3% View

Comparable companies

These companies have the same main activity as JF COURTOIS: activities of lawyers (NACE 69101). They are comparable in size and age: total assets between €102,000 and €118,000, founded between 2021 and 2022.

CompanyTotal assetsGross margin
JF COURTOIS Chaudfontaine€104,319€109,462
DUBUISSON Thomas Avocat Liège€108,754€103,065
EMILIE MORATI AVOCAT Neupré€118,161€98,768
Simon Graff Avocat Sint-Gillis (bij-Brussel)€102,663€109,353
JeeDeeBee Lennik€106,736€109,315
SABRINA BONGIORNO Charleroi€101,639€109,956
ADVOCATENKANTOOR Anne-Sophie CORNE Sint-Joost-ten-Node€103,609€113,747
Full comparison

Key facts about JF COURTOIS

What is the company number of JF COURTOIS?
The company number of JF COURTOIS is 0777.360.770. The VAT number is the same number with BE in front: BE 0777.360.770.
Where is JF COURTOIS based?
The registered office is at Voie de l'Ardenne 19, 4053 Chaudfontaine.Company details
What does JF COURTOIS do?
According to the KBO register, the main activity is activities of lawyers (NACE 69101).
What is the legal form of JF COURTOIS?
The legal form of JF COURTOIS is Private limited company (BV).
When was JF COURTOIS founded?
JF COURTOIS was founded on 16-11-2021.
Is JF COURTOIS still active?
Yes, JF COURTOIS is an active enterprise in the KBO register.
How many employees does JF COURTOIS have?
JF COURTOIS had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of JF COURTOIS?
The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €109,462 and 38 comparable companies (NACE 691). It probably lies between €150,000 and €290,000.
Is JF COURTOIS profitable?
In financial year 2025, JF COURTOIS made a profit of €57,678.
Where can I find the annual accounts of JF COURTOIS?
JF COURTOIS filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of JF COURTOIS due?
JF COURTOIS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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