JFD 109
ActiveJFD 109 has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €157k and a net result of €17k. Equity is growing by ~28.9% per year across the filed fiscal years. Its solvency ranks better than 31% of 15368 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▼-6
Solvency65▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 1.62 in 2023; short-term debt: 30.4% and cash: 2.6% of total assets), but 60.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
141 d late
2022
61 d late
2021
89 d late
2020
92 d late
2019
53 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€157k▲ 12.0%
2023 · €140k
2018: €13k
2019: €23k
2020: €51k
2021: €89k
2022: €112k
2023: €140k
2018 → 2024
Total assets
€395k▲ 0.2%
2023 · €394k
2018: €319k
2019: €314k
2020: €372k
2021: €397k
2022: €406k
2023: €394k
2018 → 2024
Net result
€17k▼ 40.0%
2023 · €28k
2018: €4k
2019: €11k
2020: €28k
2021: €42k
2022: €23k
2023: €28k
2018 → 2024
Working capital
€109k▲ 29.9%
2023 · €84k
2018: €19k
2019: €25k
2020: €46k
2021: €57k
2022: €87k
2023: €84k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€51k-€89k▲ 72.7%€112k▲ 26.2%€140k▲ 25.1%€157k▲ 12.0%
Operating result€37k-€68k▲ 85.7%€47k▼ 30.8%€45k▼ 3.7%€41k▼ 10.2%
Net result€28k-€42k▲ 50.4%€23k▼ 45.2%€28k▲ 20.8%€17k▼ 40.0%
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 three years in a row; 2024 is 10% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €395k
Fixed assets
€166k▼ 4.8%
Current assets
€229k▲ 4.2%
Equity and liabilities €395k
Equity
€157k▲ 12.0%
Debt
€238k▼ 6.3%
The debt ratio falls from 64.4% to 60.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▼
2023 · €54k
Cash flow
€25k▼
2023 · €37k
Solvency
39.8%▲
2023 · 35.6%
Current ratio
1.91▲
2023 · 1.62
Quick ratio
1.91▲
2023 · 1.62
Debt / equity
1.51▼
2023 · 1.81
ROE
10.7%▼
2023 · 20.1%
ROA
4.3%▼
2023 · 7.1%
Interest coverage
5.58▼
2023 · 5.92
Debt
€238k▼
2023 · €254k
Debt ≤ 1 year
€120k▼
2023 · €136k
Debt > 1 year
€118k=
2023 · €118k
Income taxes
€15k▲
2023 · €8k
Staff costs
€13k▲
2023 · €5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€394k€395k▲
Fixed assets21/28€174k€166k▼
Tangible fixed assets22/27€172k€164k▼
Land and buildings22€168k€161k▼
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€2k€2k=
Current assets29/58€220k€229k▲
Amounts receivable within one year40/41€220k€219k▼
Trade receivables40€43k€31k▼
Other amounts receivable41€177k€188k▲
Cash at bank and in hand54/58-€10k
Equity and liabilities
Total equity and liabilities10/49€394k€395k▲
Equity10/15€140k€157k▲
Contributions10/11€12k€12k=
Reserves13€2k€17k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€15k
Profit (loss) carried forward14€126k€128k▲
Amounts payable17/49€254k€238k▼
Amounts payable after more than one year17€118k€118k=
Financial debts170/4€107k€107k=
Other amounts payable178/9€10k€10k=
Amounts payable within one year42/48€136k€120k▼
Current portion of amounts payable after more than one year42€40k€25k▼
Financial debts43€2k€1k▼
Credit institutions430/8€2k€1k▼
Trade debts44-€13k
Suppliers440/4-€13k
Advances received on contracts in progress46€14k€14k=
Taxes, remuneration and social security45€26k€19k▼
Taxes450/3€26k€19k▼
Remuneration and social security454/9€580€580=
Other amounts payable47/48€54k€48k▼
Income statement
Code20232024
Remuneration, social security and pensions62€5k€13k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8€812€6k▲
Gross operating margin9900€59k€68k▲
Operating profit (loss)9901€45k€41k▼
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Non-recurring financial charges66B-€231
Profit (loss) for the period before taxes9903€36k€32k▼
Income taxes67/77€8k€15k▲
Profit (loss) for the period9904€28k€17k▼
Profit (loss) for the period to be appropriated9905€28k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€126k€143k▲
Profit (loss) brought forward from the previous period14P€98k€126k▲
Transfer to equity691/2-€15k
To other reserves6921-€15k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Equity above €150kEq €157k ▲12%
7 profitable years in a row build equity to €157k.
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 141 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Equity above €100kEq €112k ▲26.2%
5 profitable years in a row build equity to €112k.
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 89 days late
2021
31-12
Financial
Highest result since 2018net €42k ▲50.4%
Operating result €68k, net result €42k, both a record.
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 92 days late
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
20-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Aywaille
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.
Clos Marquet 384920 AywailleGround area
2,891 m²
Building footprint
355 m²
Volume, LiDAR
1,790 m³
Parcel 62098C0325/00C009, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62098C0325/00C009 | Wallonia | 2,891 m² | 1 · 355 m² | 8.5 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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FILIP WILLEMS
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ROSSANA FOL LAW
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Of 22,055 companies in sector 69101 we hold annual accounts for 9,053. 7,527 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-11-2011
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.