JSCARS
ActiveSummary
JSCARS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €973,606 and a net result of €22,891. Equity is growing by ~24.5% per year across the filed fiscal years. Its solvency ranks better than 27% of 6550 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability32▼-19
Solvency39▼-9
Growth68▼-17
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days only on tighter terms
Liquidity ample (current ratio 1.66 against 1.4 in 2023; short-term debt: 57% and cash: 9.9% of total assets), but 85.6% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
14.4%
Return on assets
0.3%
Age of the figures
21 mo
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 19-01-2026, 172 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
172 d late
2023
57 d late
2022
11 d late
2021
31 d late
2020
9 d early
2019
145 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 68 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, full schema
Turnover
€3.2m▲ 61.3%
2019 · €2.0m
EBIT margin
4.7%▲ 2.3pp
2019 · 2.3%
Net result
€22,891▼ 85.2%
2023 · €154,405
Working capital
€2.6m▲ 132%
2023 · €1.1m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€3.2m▲ 61.3%
Operating result€150,491▲ 222%€160,010▲ 6.3%€282,932▲ 76.8%€310,812▲ 9.9%€194,180▼ 37.5%
Net result€106,776above the sector's middle half▲ 201%€117,433within the sector's middle half▲ 10.0%€182,637above the sector's middle half▲ 55.5%€154,405above the sector's middle half▼ 15.5%€22,891within the sector's middle half▼ 85.2%
EBIT margin4.7%▲ 2.3pp
Equity€613,673within the sector's middle half€796,310above the sector's middle half▲ 29.8%€950,714above the sector's middle half▲ 19.4%€973,606above the sector's middle half▲ 2.4%
Total assets€1.2mwithin the sector's middle half▲ 278%€3.0mabove the sector's middle half▲ 150%€4.0mabove the sector's middle half▲ 32.3%€4.1mabove the sector's middle half▲ 1.5%€6.7mabove the sector's middle half▲ 65.1%
Debt€717,503▲ 239%€2.4m▲ 238%€3.2m▲ 33.0%€3.1m▼ 2.9%€5.8m▲ 84.2%
Working capital€490,081above the sector's middle half▲ 365%€613,533above the sector's middle half▲ 25.2%€776,893above the sector's middle half▲ 26.6%€1.1mabove the sector's middle half▲ 41.3%€2.6mabove the sector's middle half▲ 132%
Solvency20.2%within the sector's middle half19.8%within the sector's middle half▼ 0.4pp23.3%within the sector's middle half▲ 3.5pp14.4%within the sector's middle half▼ 8.8pp
Current ratio1.69within the sector's middle half▲ 0.191.27within the sector's middle half▼ 0.421.25within the sector's middle half▼ 0.021.40within the sector's middle half▲ 0.151.66within the sector's middle half▲ 0.26
Return on assets (ROA)8.8%within the sector's middle half▼ 2.2pp3.9%within the sector's middle half▼ 4.9pp4.5%within the sector's middle half▲ 0.7pp3.8%within the sector's middle half▼ 0.8pp0.3%within the sector's middle half▼ 3.4pp
Staff (FTE)1below the sector's middle half=1.7below the sector's middle half▲ 70.0%3.5within the sector's middle half▲ 106%4.6within the sector's middle half▲ 31.4%8.3within the sector's middle half▲ 80.4%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 38% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €6.7m
Fixed assets
€332,497 ▲ 45.2%
Current assets
€6.4m ▲ 67.0%
Equity and liabilities €6.7m
Equity
€973,606 ▲ 2.4%
Debt
€5.8m ▲ 84.2%
Debt's share of the balance-sheet total rises from 76.7% to 85.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€244,097▼
2023 · €344,350
Cash flow
€72,809▼
2023 · €187,943
Quick ratio
0.93▲
2023 · 0.35
Debt to equity
5.92▲
2023 · 3.29
ROE
2.4%▼
2023 · 16.2%
Interest coverage
1.59▼
2023 · 3.31
Debt ≤ 1 year
€3.8m▲
2023 · €2.7m
Debt > 1 year
€1.9m▲
2023 · €385,969
Income taxes
€23,658▼
2023 · €52,450
Staff costs
€333,789▲
2023 · €204,529
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,273 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
2.1%
went bankrupt
2.5%
stopped otherwise
95%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.3% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 3,273 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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €3.2m | - | - | - | - | - |
| Non-recurring operating income76A | €374 | €2,154 | €48,650 | €4,515 | €78,987 | ▲ 1,649% |
| Goods, raw materials, services and sundry goods60/61 | €3.0m | - | - | - | - | - |
| Remuneration, social security and pensions62 | €39,231 | €68,538 | €124,491 | €204,529 | €333,789 | ▲ 63.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,042 | €9,989 | €21,642 | €33,539 | €49,917 | ▲ 48.8% |
| Other operating charges640/8 | €3,038 | €3,796 | €3,917 | €3,403 | €15,310 | ▲ 350% |
| Non-recurring operating charges66A | €544 | €378 | €1,306 | €8,572 | €3,881 | ▼ 54.7% |
| Gross operating margin9900 | €196,346 | €242,712 | €434,288 | €560,855 | €597,078 | ▲ 6.5% |
| Operating profit (loss)9901 | €150,491 | €160,010 | €282,932 | €310,812 | €194,180 | ▼ 37.5% |
| Financial income75/76B | €159 | - | - | - | €5,951 | - |
| Recurring financial income75 | €159 | - | - | - | €5,951 | - |
| Financial charges65/66B | €3,842 | €15,061 | €27,084 | €103,957 | €153,582 | ▲ 47.7% |
| Recurring financial charges65 | €3,842 | €15,061 | €27,084 | €103,957 | €153,582 | ▲ 47.7% |
| Profit (loss) for the period before taxes9903 | €146,808 | €144,949 | €255,848 | €206,855 | €46,549 | ▼ 77.5% |
| Income taxes67/77 | €40,032 | €27,517 | €73,211 | €52,450 | €23,658 | ▼ 54.9% |
| Profit (loss) for the period9904 | €106,776 | €117,433 | €182,637 | €154,405 | €22,891 | ▼ 85.2% |
| Profit (loss) for the period to be appropriated9905 | €106,776 | €117,433 | €182,637 | €154,405 | €22,891 | ▼ 85.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €3.0m | €4.0m | €4.1m | €6.7m | ▲ 65.1% |
| Formation expenses20 | - | €34,375 | €36,050 | €27,350 | €18,650 | ▼ 31.8% |
| Fixed assets21/28 | €12,754 | €132,300 | €140,623 | €228,954 | €332,497 | ▲ 45.2% |
| Tangible fixed assets22/27 | €12,754 | €132,300 | €140,623 | €228,954 | €332,497 | ▲ 45.2% |
| Plant, machinery and equipment23 | €10,607 | €14,906 | €14,496 | €73,202 | €60,501 | ▼ 17.4% |
| Furniture and vehicles24 | €2,147 | €11,039 | €8,107 | €5,668 | €2,722 | ▼ 52.0% |
| Other tangible fixed assets26 | - | €91,930 | €118,020 | €150,084 | €255,397 | ▲ 70.2% |
| Assets under construction and advance payments27 | - | €14,425 | - | - | €13,876 | - |
| Current assets29/58 | €1.2m | €2.9m | €3.8m | €3.8m | €6.4m | ▲ 67.0% |
| Stocks and contracts in progress3 | €777,424 | €1.5m | €2.6m | €2.9m | €2.8m | ▼ 1.3% |
| Stocks30/36 | €777,424 | €1.5m | €2.6m | €2.9m | €2.8m | ▼ 1.3% |
| Amounts receivable within one year40/41 | €171,975 | €683,528 | €809,357 | €484,372 | €2.2m | ▲ 353% |
| Trade receivables40 | €111,530 | €634,809 | €795,190 | €442,464 | €2.1m | ▲ 382% |
| Other amounts receivable41 | €60,445 | €48,719 | €14,166 | €41,907 | €62,391 | ▲ 48.9% |
| Current investments50/53 | - | - | - | - | €700,000 | - |
| Cash at bank and in hand54/58 | €251,548 | €637,049 | €371,545 | €451,186 | €669,371 | ▲ 48.4% |
| Deferred charges and accrued income490/1 | €42 | €24,012 | €17,055 | €28,990 | €3,154 | ▼ 89.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €3.0m | €4.0m | €4.1m | €6.7m | ▲ 65.1% |
| Equity10/15 | - | €613,673 | €796,310 | €950,714 | €973,606 | ▲ 2.4% |
| Contributions10/11 | €301,400 | €301,400 | €301,400 | €301,400 | €301,400 | = |
| Profit (loss) carried forward14 | €194,840 | €312,273 | €494,910 | €649,314 | €672,206 | ▲ 3.5% |
| Amounts payable17/49 | €717,503 | €2.4m | €3.2m | €3.1m | €5.8m | ▲ 84.2% |
| Amounts payable after more than one year17 | - | €162,807 | €134,638 | €385,969 | €1.9m | ▲ 399% |
| Financial debts170/4 | - | €162,807 | €134,638 | €385,969 | €348,686 | ▼ 9.7% |
| Other amounts payable178/9 | - | - | - | - | €1.6m | - |
| Amounts payable within one year42/48 | €710,908 | €2.3m | €3.1m | €2.7m | €3.8m | ▲ 40.7% |
| Current portion of amounts payable after more than one year42 | - | €27,934 | €28,170 | €111,088 | €135,412 | ▲ 21.9% |
| Financial debts43 | - | - | €36,467 | €44,078 | €1.6m | ▲ 3,587% |
| Credit institutions430/8 | - | - | €36,467 | €44,078 | €1.6m | ▲ 3,587% |
| Trade debts44 | €112,386 | €672,542 | €854,131 | €313,429 | €2.0m | ▲ 550% |
| Suppliers440/4 | €112,386 | €672,542 | €854,131 | €313,429 | €2.0m | ▲ 550% |
| Advances received on contracts in progress46 | €51,950 | €115,810 | €113,449 | €94,164 | - | - |
| Taxes, remuneration and social security45 | €67,653 | €14,824 | €58,101 | €37,177 | €43,777 | ▲ 17.8% |
| Taxes450/3 | €52,120 | €3,110 | €27,667 | €2,342 | - | - |
| Remuneration and social security454/9 | €15,533 | €11,714 | €30,434 | €34,835 | €43,777 | ▲ 25.7% |
| Other amounts payable47/48 | €478,919 | €1.4m | €2.0m | €2.1m | - | - |
| Accrued charges and deferred income492/3 | €6,595 | €3,728 | €22,618 | €17,206 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €106,776 | €117,433 | €182,637 | €154,405 | €22,891 | ▼ 85.2% |
| + Depreciation and write-downs630 | €3,042 | €9,989 | €21,642 | €33,539 | €49,917 | ▲ 48.8% |
| Operating cash flow (approximation) | €109,818 | €127,422 | €204,279 | €187,943 | €72,809 | ▼ 61.3% |
| Investment in fixed assets (approximation) | - | -€129,536 | -€29,965 | -€121,870 | -€153,460 | ▼ 25.9% |
| Change in cash | - | €385,501 | -€265,505 | €79,641 | €218,185 | ▲ 174% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
19-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 172 days late
2024
31-12
Financial
Weakest financial yearnet €22,891 ▼85.2%
Net result drops to €22,891, the lowest in the series.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 57 days late
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 11 days late
2022
31-12
Financial
Highest result since 2018net €182,637 ▲55.5%
Net result €182,637, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 145 days late
2019
31-12
Financial
Equity above €100,000Eq €109,464 ▲47.9%
2 profitable years in a row build equity to €109,464.
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 71 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Mons · 2 establishment units since 2018
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.
Place de St Symphorien 247030 MonsGround area
2,388 m²
Building footprint
1,050 m²
Volume, LiDAR
6,326 m³
2 parcels, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Jscars
since 20182.278.013.623
Jscars
since 20212.322.455.657
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53019A0243/00F002 | Wallonia | 2,122 m² | 1 · 779 m² | 7.5 m · 2 fl. |
| 53404B0607/00E004 | Wallonia | 266 m² | 1 · 271 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerOwners 1
-
50%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
549300NYE18IEF235Q94
Similar companies · same sector, comparable size
GARAGE ANNEZ
BE 0461.339.720
Waterloo · Eq €974,011
GARAGE DETOURNAY
BE 0469.977.074
Halle · Eq €974,526
GARAGE LEMMENS
BE 0442.571.507
Beringen · Eq €972,057
DMC Aarschot
BE 0440.836.393
Aarschot · Eq €971,391
ATECS
BE 0673.715.676
Saint-Georges-sur-Meuse · Eq €975,837
Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. 2,984 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-06-2018
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Contact
Phone
0488/279373Mons
E-invoicing
Reachable via Peppol
Peppol ID
0208:0697644685
Also
9925:BE0697644685
Registered
30-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.