JFTL
ActiveJFTL has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-58k) and a net result of €5k. Equity is shrinking by ~81.5% per year across the filed fiscal years. Its solvency ranks better than 18% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
36
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability49▲+44
Solvency10▲+1
Growth22=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.86 against 0.88 in 2023; short-term debt: 108.4% and cash: 3.5% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 2024Solvency, return and age of the figures
Solvency
-14.9%
Return on assets
1.3%
Age of the figures
21 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 26043 sector peers (2024).
NBB · sector comparisonPosition among 26043 sector peers
Solvency
better than 18%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-12-2025, 140 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
140 d late
2023
505 d late
2022
184 d late
2021
59 d late
2020
47 d early
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€1.10M▼ 13.2%
2019 · €1.27M
2018: €1.39M
2019: €1.27M
2018 → 2020
EBIT margin
3.1%▲ 8.9pp
2019 · -5.8%
2018: 5.6%
2019: -5.8%
2018 → 2020
Net result
€5k
2023 · €-44k
2018: €34k
2019: €-80k
2020: €34k
2021: €-8k
2022: €-34k
2023: €-44k
2018 → 2024
Working capital
€-58k▼ 23.9%
2023 · €-47k
2018: €7k
2019: €-69k
2020: €-23k
2021: €78k
2022: €3k
2023: €-47k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€1.10M-
Equity€17k-€9k▼ 45.3%€-25k€-63k▼ 155%€-58k▲ 7.9%
Operating result€35k-€-13k€-32k▼ 153%€-36k▼ 11.8%€16k
Net result€34k-€-8k€-34k▼ 344%€-44k▼ 29.9%€5k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €16k after a loss of €36k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €390k
Fixed assets
€25k▼ 48.2%
Current assets
€365k▲ 2.8%
Key figures and ratios
EBITDA
€40k▲
2023 · €-7k
Cash flow
€28k▲
2023 · €-15k
Solvency
-14.9%▲
2023 · -15.6%
Current ratio
0.86▼
2023 · 0.88
Quick ratio
0.50▼
2023 · 0.52
Debt / equity
-7.71▼
2023 · -7.39
ROA
1.3%▲
2023 · -11.0%
Interest coverage
3.47▲
2023 · -0.85
Debt
€448k▼
2023 · €466k
Debt ≤ 1 year
€422k▲
2023 · €401k
Debt > 1 year
€25k▼
2023 · €65k
Income taxes
€803▲
2023 · €678
Staff costs
€100k▼
2023 · €110k
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€403k€390k▼
Fixed assets21/28€49k€25k▼
Intangible fixed assets21€4k€0▼
Tangible fixed assets22/27€43k€24k▼
Plant, machinery and equipment23€23k€18k▼
Furniture and vehicles24€20k€5k▼
Financial fixed assets28€2k€2k=
Current assets29/58€355k€365k▲
Stocks and contracts in progress3€145k€155k▲
Stocks30/36€145k€155k▲
Amounts receivable within one year40/41€197k€192k▼
Trade receivables40€165k€148k▼
Other amounts receivable41€31k€44k▲
Cash at bank and in hand54/58€2k€14k▲
Deferred charges and accrued income490/1€11k€4k▼
Equity and liabilities
Total equity and liabilities10/49€403k€390k▼
Equity10/15€-63k€-58k▲
Contributions10/11€19k€19k=
Reserves13€35k€35k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€33k€33k=
Profit (loss) carried forward14€-117k€-112k▲
Amounts payable17/49€466k€448k▼
Amounts payable after more than one year17€65k€25k▼
Financial debts170/4€65k€25k▼
Amounts payable within one year42/48€401k€422k▲
Current portion of amounts payable after more than one year42€40k€40k▲
Financial debts43€10k€11k▲
Credit institutions430/8€10k€11k▲
Trade debts44€275k€272k▼
Suppliers440/4€275k€272k▼
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€76k€98k▲
Taxes450/3€72k€74k▲
Remuneration and social security454/9€4k€24k▲
Other amounts payable47/48€0-
Income statement
Code20232024
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€110k€100k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€23k▼
Other operating charges640/8€2k€10k▲
Gross operating margin9900€105k€150k▲
Operating profit (loss)9901€-36k€16k▲
Financial income75/76B€225€1k▲
Recurring financial income75€225€1k▲
Financial charges65/66B€8k€11k▲
Recurring financial charges65€8k€11k▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€-44k€6k▲
Income taxes67/77€678€803▲
Profit (loss) for the period9904€-44k€5k▲
Profit (loss) for the period to be appropriated9905€-44k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-117k€-112k▲
Profit (loss) brought forward from the previous period14P€-72k€-117k▼
Social balance
Average headcount (FTE)90872.7-
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 140 days late
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 505 days late
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after 3 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 184 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 59 days late
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-80k ▼335%
Net result drops to €-80k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Jodoigne · 2 establishment units since 2006
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.
Rue de Gobiery(Jod.) 401370 JodoigneGround area
1,331 m²
Building footprint
413 m²
Volume, LiDAR
2,670 m³
3 parcels, Wallonia · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
JFTL
since 20062.153.305.968
JFTL
since 20212.321.625.417
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25048F0287/02M002 | Wallonia | 490 m² | 1 · 88 m² | 8.1 m · 2 fl. |
| 25048B0133/00W003 | Wallonia | 461 m² | 1 · 217 m² | 11.3 m · 1 fl. |
| 25086C0104/00N000 | Wallonia | 379 m² | 1 · 108 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,444 companies in sector 47820 we hold annual accounts for 776. 351 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-04-2006
Fiscal year end31-12
Activities, NACEBEL
47820Retail sale of motor vehicle parts and accessories
50302
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.