AIB JURGEN
ActiveSummary
AIB JURGEN has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €5k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 26% of 2179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▲+7
Solvency42▲+2
Growth71▼-3
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.14 in 2024; short-term debt: 30.7% and cash: 1.5% of total assets), and 83.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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 · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 02-07-2025, 121 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
121 d early
2024
122 d early
2023
118 d early
2022
126 d early
2021
125 d early
2020
124 d early
2019
122 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€915k▼ 2.4%
2024 · €938k
2019: €588k
2020: €632k
2021: €577k
2022: €718k
2023: €746k
2024: €938k
2019 → 2025
EBIT margin
1.4%▲ 0.6pp
2024 · 0.8%
2019: 0.3%
2020: 3.1%
2021: 4.6%
2022: 1.7%
2023: 2.9%
2024: 0.8%
2019 → 2025
Net result
€5k
2024 · €-117
2019: €-3k
2020: €11k
2021: €21k
2022: €3k
2023: €9k
2024: €-117
2019 → 2025
Working capital
€13k▼ 26.4%
2024 · €18k
2019: €46k
2020: €52k
2021: €39k
2022: €13k
2023: €17k
2024: €18k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€577k-€718k▲ 24.4%€746k▲ 4.0%€938k▲ 25.7%€915k▼ 2.4%
Equity€61k-€63k▲ 4.1%€72k▲ 14.0%€72k▼ 0.2%€77k▲ 6.9%
Operating result€27k-€12k▼ 54.2%€21k▲ 75.7%€7k▼ 65.5%€13k▲ 77.3%
Net result€21k-€3k▼ 87.8%€9k▲ 254%€-117€5k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 77% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €462k
Fixed assets
€307k ▼ 9.4%
Current assets
€155k ▲ 5.4%
Equity and liabilities €462k
Equity
€77k ▲ 6.9%
Debt
€385k ▼ 7.0%
Debt's share of the balance-sheet total falls from 85.2% to 83.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▲
2024 · €37k
Cash flow
€37k▲
2024 · €30k
Current ratio
1.09▼
2024 · 1.14
Quick ratio
0.92▼
2024 · 0.95
Debt to equity
5.01▼
2024 · 5.75
ROE
6.5%▲
2024 · -0.2%
ROA
1.1%▲
2024 · 0.0%
Interest coverage
5.75▲
2024 · 4.87
Debt ≤ 1 year
€142k▲
2024 · €129k
Debt > 1 year
€243k▼
2024 · €285k
Income taxes
€1k▲
2024 · €-150
Staff costs
€140k▲
2024 · €92k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€486k€462k▼
Fixed assets21/28€339k€307k▼
Tangible fixed assets22/27€339k€307k▼
Land and buildings22€747€574▼
Plant, machinery and equipment23€2k€864▼
Furniture and vehicles24€31k€21k▼
Leasing and similar rights25€305k€284k▼
Financial fixed assets28€257€257=
Current assets29/58€147k€155k▲
Stocks and contracts in progress3€25k€24k▼
Stocks30/36€25k€24k▼
Amounts receivable within one year40/41€103k€124k▲
Trade receivables40€98k€111k▲
Other amounts receivable41€5k€14k▲
Cash at bank and in hand54/58€19k€7k▼
Equity and liabilities
Total equity and liabilities10/49€486k€462k▼
Equity10/15€72k€77k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Share premium1100/10€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Reserves not available under the articles1311-€2k
Profit (loss) carried forward14€52k€56k▲
Amounts payable17/49€414k€385k▼
Amounts payable after more than one year17€285k€243k▼
Financial debts170/4€281k€240k▼
Other amounts payable178/9€4k€4k=
Amounts payable within one year42/48€129k€142k▲
Current portion of amounts payable after more than one year42€46k€42k▼
Trade debts44€65k€85k▲
Suppliers440/4€65k€85k▲
Taxes, remuneration and social security45€10k€15k▲
Remuneration and social security454/9€10k€15k▲
Other amounts payable47/48€9k-
Income statement
Code20242025
Turnover70€938k€915k▼
Goods, raw materials, services and sundry goods60/61€804k€715k▼
Remuneration, social security and pensions62€92k€140k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€32k▲
Other operating charges640/8€5k€5k▼
Non-recurring operating charges66A-€11k
Gross operating margin9900€134k€201k▲
Operating profit (loss)9901€7k€13k▲
Financial income75/76B-€768
Recurring financial income75-€768
Financial charges65/66B€8k€8k▲
Recurring financial charges65€8k€8k▲
Profit (loss) for the period before taxes9903€-267€6k▲
Income taxes67/77€-150€1k▲
Profit (loss) for the period9904€-117€5k▲
Profit (loss) for the period to be appropriated9905€-117€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€52k€56k▲
Profit (loss) brought forward from the previous period14P€52k€52k▼
Social balance
Average headcount (FTE)90873.14.5▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Highest result since 2019net €21k ▲83.2%
Operating result €27k, net result €21k, both a record.
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Sint-Niklaas · 1 establishment unit since 2003
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.
Bellestraat 609100 Sint-NiklaasGround area
1,484 m²
Building footprint
433 m²
Volume, LiDAR
1,945 m³
Parcel 46446B0926/00S002, Flanders · tallest building 9.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
A.I. & B.
since 20032.131.580.542
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46446B0926/00S002 | Flanders | 1,484 m² | 1 · 433 m² | 9.7 m · 1 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 393 EUR awarded · 393 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 393 EUR | 393 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,217 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-04-2003
Fiscal year end31-03
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.