Beckers Joël
ActiveBeckers Joël has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €507k and a net result of €169k. Equity is growing by ~25% per year across the filed fiscal years. Its solvency ranks better than 78% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▼-1
Solvency99▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 4.27 against 1.9 in 2024; short-term debt: 10.3% and cash: 23.5% of total assets), and 26.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
73.7%
Return on assets
24.6%
Age of the figures
9 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
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
14 d early
2023
12 d early
2022
18 d early
2021
12 d early
2020
31 d late
2019
28 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€507k▲ 50.0%
2024 · €338k
2018: €102k
2019: €101k
2020: €100k
2021: €107k
2022: €154k
2023: €192k
2024: €338k
2018 → 2025
Total assets
€688k▲ 27.0%
2024 · €542k
2018: €163k
2019: €236k
2020: €172k
2021: €163k
2022: €316k
2023: €401k
2024: €542k
2018 → 2025
Net result
€169k▲ 15.8%
2024 · €146k
2018: €8k
2019: €-1k
2020: €-1k
2021: €7k
2022: €48k
2023: €37k
2024: €146k
2018 → 2025
Working capital
€232k▲ 151%
2024 · €92k
2018: €58k
2019: €-8k
2020: €45k
2021: €60k
2022: €52k
2023: €18k
2024: €92k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€107k-€154k▲ 44.8%€192k▲ 24.2%€338k▲ 76.1%€507k▲ 50.0%
Operating result€11k-€69k▲ 550%€57k▼ 17.1%€217k▲ 278%€255k▲ 17.2%
Net result€7k-€48k▲ 611%€37k▼ 21.8%€146k▲ 291%€169k▲ 15.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €688k
Fixed assets
€386k▲ 10.9%
Current assets
€302k▲ 55.8%
Equity and liabilities €688k
Equity
€507k▲ 50.0%
Debt
€181k▼ 11.2%
The debt ratio falls from 37.7% to 26.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€367k▲
2024 · €300k
Cash flow
€282k▲
2024 · €229k
Solvency
73.7%▲
2024 · 62.3%
Current ratio
4.27▲
2024 · 1.90
Quick ratio
4.27▲
2024 · 1.90
Debt / equity
0.36▼
2024 · 0.60
ROE
33.4%▼
2024 · 43.2%
ROA
24.6%▼
2024 · 26.9%
Interest coverage
73.04▲
2024 · 55.51
Debt
€181k▼
2024 · €204k
Debt ≤ 1 year
€71k▼
2024 · €102k
Debt > 1 year
€110k▲
2024 · €101k
Income taxes
€80k▲
2024 · €66k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€542k€688k▲
Fixed assets21/28€348k€386k▲
Tangible fixed assets22/27€348k€386k▲
Land and buildings22€21k€19k▼
Plant, machinery and equipment23€32k€23k▼
Furniture and vehicles24€282k€329k▲
Other tangible fixed assets26€12k€15k▲
Current assets29/58€194k€302k▲
Amounts receivable within one year40/41€90k€141k▲
Trade receivables40€73k€125k▲
Other amounts receivable41€16k€15k▼
Cash at bank and in hand54/58€102k€162k▲
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€542k€688k▲
Equity10/15€338k€507k▲
Contributions10/11€19k€19k=
Reserves13€319k€488k▲
Distributable reserves133€319k€488k▲
Amounts payable17/49€204k€181k▼
Amounts payable after more than one year17€101k€110k▲
Financial debts170/4€101k€110k▲
Amounts payable within one year42/48€102k€71k▼
Current portion of amounts payable after more than one year42€29k€38k▲
Trade debts44€46k€1k▼
Suppliers440/4€46k€1k▼
Taxes, remuneration and social security45€27k€31k▲
Taxes450/3€27k€31k▲
Other amounts payable47/48€600€0▼
Accrued charges and deferred income492/3€594€141▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€83k€113k▲
Other operating charges640/8€1k€925▼
Gross operating margin9900€301k€368k▲
Operating profit (loss)9901€217k€255k▲
Financial income75/76B€55€54▼
Recurring financial income75€55€54▼
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€212k€250k▲
Income taxes67/77€66k€80k▲
Profit (loss) for the period9904€146k€169k▲
Profit (loss) for the period to be appropriated9905€146k€169k▲
Appropriation of the result
Profit (loss) to be appropriated9906€146k€169k▲
Transfer to equity691/2€146k€169k▲
To other reserves6921€146k€169k▲
The notes to these accounts (15 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
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €169k ▲15.8%
Operating result €255k, net result €169k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.27
Current ratio from 1.90 to 4.27; short-term debt falls from €102k to €71k.
31-12
Financial
Equity above €500kEq €507k ▲50%
5 profitable years in a row build equity to €507k.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €338k ▲76.1%
4 profitable years in a row build equity to €338k.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €154k ▲44.8%
2 profitable years in a row build equity to €154k.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €107k ▲6.7%
Equity rises from €100k to €107k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 2.77
Current ratio from 0.92 to 2.77; short-term debt falls from €109k to €25k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €-1k ▼116%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 14 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Voeren · 1 establishment unit since 2010
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.
Schietekamer 293798 VoerenGround area
1,160 m²
Building footprint
213 m²
Volume, LiDAR
800 m³
Parcel 73075A0582/00B000, Flanders · tallest building 6.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Beckers Joël
since 20102.191.940.969
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73075A0582/00B000 | Flanders | 1,159 m² | 1 · 213 m² | 6.0 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.
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Of 1,365 companies in sector 43110 we hold annual accounts for 632. 425 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-2010
Fiscal year end31-12
Activities, NACEBEL
43110Demolition
43120Site preparation
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.