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JNCH

Active
Private limited companyfounded 20214 yrs activeChemin de Moustier(TX) 86, 5020 Namur, BelgiumKBO/BCE: BE 0777.638.805
Summary

The computed 12-month bankruptcy probability of JNCH is 2.8% (moderate). The 2025 annual accounts show equity of €29,792 and a net result of €2,448. Equity remains stable across the filed fiscal years (±1.4% per year). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability74▼-26
Solvency78▼-16
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.8% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 1.58 against 2.8 in 2024; short-term debt: 46.8% and cash: 19.9% of total assets), and 46.8% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
53.2%
Return on assets
4.4%
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 · 4 filings
Deviation from the deadline
2025
7 d early
2024
28 d late
2023
30 d late
2022
25 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 4 accounts on average 19 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
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. Usually files around 27 August (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

JNCH was incorporated on 23 November 2021 as a Private limited company.1 Total assets fell from EUR 71,388 in 2022 to EUR 55,983 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€29,792▼ 49.8%
2024 · €59,389
Total assets
€55,983▼ 34.8%
2024 · €85,862
Net result
€2,448▼ 92.4%
2024 · €32,085
Working capital
€15,173▼ 68.2%
2024 · €47,648
Trend over the years
In euros
In euros
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.

Every figure with its change against the fiscal year before
favourable unfavourable
Line2022202320242025
Operating result€37,839-€3,510▼ 90.7%€43,838▲ 1,149%€6,198▼ 85.9%
Net result€28,578--€782€32,085€2,448▼ 92.4%
Equity€29,778-€28,162▼ 5.4%€59,389▲ 111%€29,792▼ 49.8%
Total assets€71,388-€55,703▼ 22.0%€85,862▲ 54.1%€55,983▼ 34.8%
Debt€41,610-€27,540▼ 33.8%€26,473▼ 3.9%€26,191▼ 1.1%
Working capital€19,981-€17,342▼ 13.2%€47,648▲ 175%€15,173▼ 68.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€20,000€0€20,000€40,000Operating result 2022: €37,839€37,839Net result 2022: €28,578€28,578Operating result 2023: €3,510€3,510Net result 2023: -€782-€782Operating result 2024: €43,838€43,838Net result 2024: €32,085€32,085Operating result 2025: €6,198€6,198Net result 2025: €2,448€2,4482022202320242025-€20,000€0€20,000€40,000Operating result 2023: €3,510€3,510Net result 2023: -€782-€782Operating result 2024: €43,838€43,800Net result 2024: €32,085€32,100Operating result 2025: €6,198€6,200Net result 2025: €2,448€2,450202320242025
The operating result falls in 2025; 2025 is 86% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55,983
Fixed assets €14,619 ▲ 24.5%
Current assets €41,364 ▼ 44.2%
Equity and liabilities €55,983
Equity €29,792 ▼ 49.8%
Debt €26,191 ▼ 1.1%
Debt's share of the balance-sheet total rises from 30.8% to 46.8%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€11,604▼
2024 · €50,036
Cash flow
€7,853▼
2024 · €38,283
Current ratio
1.58▼
2024 · 2.80
Debt to equity
0.88▲
2024 · 0.45
ROE
8.2%▼
2024 · 54.0%
ROA
4.4%▼
2024 · 37.4%
Interest coverage
5.95▼
2024 · 19.83
Debt ≤ 1 year
€26,191▼
2024 · €26,473
Income taxes
€1,800▼
2024 · €9,230
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,546 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit under 5% of the balance sheet
2.3% went bankrupt
3.1% stopped otherwise
94% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,546 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet Code20242025
Assets
Total assets20/58€85,862€55,983▼
Fixed assets21/28€11,741€14,619▲
Tangible fixed assets22/27€11,741€14,619▲
Furniture and vehicles24€8,810€6,664▼
Other tangible fixed assets26€2,931€7,954▲
Current assets29/58€74,121€41,364▼
Amounts receivable within one year40/41€32,287€23,401▼
Trade receivables40€32,287€22,200▼
Other amounts receivable41-€1,201
Cash at bank and in hand54/58€32,075€11,131▼
Deferred charges and accrued income490/1€9,758€6,832▼
Equity and liabilities
Total equity and liabilities10/49€85,862€55,983▼
Equity10/15€59,389€29,792▼
Contributions10/11€2,000€2,000=
Profit (loss) carried forward14€57,389€27,792▼
Amounts payable17/49€26,473€26,191▼
Amounts payable within one year42/48€26,473€26,191▼
Trade debts44€2,014€3,099▲
Suppliers440/4€2,014€3,099▲
Taxes, remuneration and social security45€19,620€19,620=
Taxes450/3€14,120€14,120=
Remuneration and social security454/9€5,500€5,500=
Other amounts payable47/48€4,839€3,473▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6,197€5,406▼
Other operating charges640/8€485€1,120▲
Gross operating margin9900€50,521€12,724▼
Operating profit (loss)9901€43,838€6,198▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€2,524€1,951▼
Recurring financial charges65€2,524€1,951▼
Profit (loss) for the period before taxes9903€41,315€4,247▼
Income taxes67/77€9,230€1,800▼
Profit (loss) for the period9904€32,085€2,448▼
Profit (loss) for the period to be appropriated9905€32,085€2,448▼
Appropriation of the result
Profit (loss) to be appropriated9906€58,248€59,837▲
Profit (loss) brought forward from the previous period14P€26,162€57,389▲
Profit to be distributed694/7€859€32,045▲
Return on contributions (dividend)694€859€32,045▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,625€4,346€6,197€5,406▼ 12.8%
Other operating charges640/8€729€558€485€1,120▲ 131%
Gross operating margin9900€41,193€8,414€50,521€12,724▼ 74.8%
Operating profit (loss)9901€37,839€3,510€43,838€6,198▼ 85.9%
Financial income75/76B--€0€0▼ 97.8%
Recurring financial income75--€0€0▼ 97.8%
Financial charges65/66B€142€3,384€2,524€1,951▼ 22.7%
Recurring financial charges65€142€3,384€2,524€1,951▼ 22.7%
Profit (loss) for the period before taxes9903€37,697€126€41,315€4,247▼ 89.7%
Income taxes67/77€9,119€908€9,230€1,800▼ 80.5%
Profit (loss) for the period9904€28,578-€782€32,085€2,448▼ 92.4%
Profit (loss) for the period to be appropriated9905€28,578-€782€32,085€2,448▼ 92.4%
Line2022202320242025Change
Assets
Total assets20/58€71,388€55,703€85,862€55,983▼ 34.8%
Fixed assets21/28€10,186€10,820€11,741€14,619▲ 24.5%
Tangible fixed assets22/27€10,186€10,820€11,741€14,619▲ 24.5%
Furniture and vehicles24€7,647€8,064€8,810€6,664▼ 24.4%
Other tangible fixed assets26€2,540€2,756€2,931€7,954▲ 171%
Current assets29/58€61,202€44,882€74,121€41,364▼ 44.2%
Amounts receivable within one year40/41€34,199€19,200€32,287€23,401▼ 27.5%
Trade receivables40€34,199€19,200€32,287€22,200▼ 31.2%
Other amounts receivable41---€1,201-
Cash at bank and in hand54/58€26,556€13,184€32,075€11,131▼ 65.3%
Deferred charges and accrued income490/1€446€12,498€9,758€6,832▼ 30.0%
Equity and liabilities
Total equity and liabilities10/49€71,388€55,703€85,862€55,983▼ 34.8%
Equity10/15€29,778€28,162€59,389€29,792▼ 49.8%
Contributions10/11€2,000€2,000€2,000€2,000=
Profit (loss) carried forward14€27,778€26,162€57,389€27,792▼ 51.6%
Amounts payable17/49€41,610€27,540€26,473€26,191▼ 1.1%
Amounts payable within one year42/48€41,220€27,540€26,473€26,191▼ 1.1%
Trade debts44€1,774€350€2,014€3,099▲ 53.8%
Suppliers440/4€1,774€350€2,014€3,099▲ 53.8%
Taxes, remuneration and social security45€19,143€20,738€19,620€19,620=
Taxes450/3€14,033€15,238€14,120€14,120=
Remuneration and social security454/9€5,110€5,500€5,500€5,500=
Other amounts payable47/48€20,303€6,451€4,839€3,473▼ 28.2%
Accrued charges and deferred income492/3€390----
Line2022202320242025Change
Profit (loss) for the period9904€28,578-€782€32,085€2,448▼ 92.4%
+ Depreciation and write-downs630€2,625€4,346€6,197€5,406▼ 12.8%
Operating cash flow (approximation)€31,203€3,564€38,283€7,853▼ 79.5%
Investment in fixed assets (approximation)--€4,980-€7,118-€8,283▼ 16.4%
Change in cash--€13,372€18,891-€20,944▼ 211%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
24-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial Back to profitnet €32,085
Net result €32,085 after one loss-making year.
30-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial Weakest financial yearnet -€782
Net result drops to -€782, the lowest in the series; recovery starts the following year.
25-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Namur · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
5,410 m²
Building footprint
148 m²
Volume, LiDAR
840 m³
Parcel 92123C0390/00C000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chemin de Moustier(TX) 86, 5020 Namur
Specialist medical practice
since 20222.324.768.316
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92123C0390/00C000 Wallonia 5,410 m² 1 · 148 m² 8.9 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded23-11-2021
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0777638805
Also 9925:BE0777638805
Registered 25-02-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.