BISSCHOP JAN
ActiveBISSCHOP JAN has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €261k and a net result of €5k. Equity is growing by ~35.1% per year across the filed fiscal years. Its solvency ranks better than 40% of 7446 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability53▼-5
Solvency61▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 1.7 in 2023; short-term debt: 41.2% and cash: 14.5% of total assets), but 63.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · 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 31-12-2024 was due by 31-07-2025 and was filed on 14-07-2025, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
17 d early
2023
14 d early
2022
34 d early
2021
6 d early
2020
8 d early
2019
21 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€261k▲ 1.0%
2023 · €258k
2018: €57k
2019: €72k
2020: €97k
2021: €170k
2022: €240k
2023: €258k
2018 → 2024
Total assets
€720k▼ 10.7%
2023 · €806k
2018: €451k
2019: €437k
2020: €661k
2021: €724k
2022: €787k
2023: €806k
2018 → 2024
Net result
€5k▼ 69.4%
2023 · €18k
2018: €5k
2019: €14k
2020: €27k
2021: €87k
2022: €86k
2023: €18k
2018 → 2024
Working capital
€154k▼ 25.1%
2023 · €205k
2018: €1k
2019: €19k
2020: €28k
2021: €122k
2022: €193k
2023: €205k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€97k-€170k▲ 75.0%€240k▲ 41.0%€258k▲ 7.4%€261k▲ 1.0%
Operating result€55k-€144k▲ 163%€138k▼ 4.3%€39k▼ 72.1%€23k▼ 39.9%
Net result€27k-€87k▲ 221%€86k▼ 1.7%€18k▼ 79.3%€5k▼ 69.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 40% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €720k
Fixed assets
€270k▼ 13.0%
Current assets
€450k▼ 9.3%
Equity and liabilities €720k
Equity
€261k▲ 1.0%
Debt
€459k▼ 16.2%
The debt ratio falls from 68.0% to 63.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€81k▼
2023 · €87k
Cash flow
€63k▼
2023 · €66k
Solvency
36.2%▲
2023 · 32.0%
Current ratio
1.52▼
2023 · 1.70
Quick ratio
1.12▼
2023 · 1.25
Debt / equity
1.76▼
2023 · 2.13
ROE
2.1%▼
2023 · 6.9%
ROA
0.8%▼
2023 · 2.2%
Interest coverage
4.04▼
2023 · 4.44
Debt
€459k▼
2023 · €548k
Debt ≤ 1 year
€297k▲
2023 · €291k
Debt > 1 year
€157k▼
2023 · €189k
Income taxes
€3k▼
2023 · €7k
Staff costs
€279k▼
2023 · €286k
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€806k€720k▼
Fixed assets21/28€310k€270k▼
Intangible fixed assets21€23k€18k▼
Tangible fixed assets22/27€287k€251k▼
Plant, machinery and equipment23€128k€101k▼
Furniture and vehicles24€37k€43k▲
Leasing and similar rights25€121k€107k▼
Financial fixed assets28€15€15=
Current assets29/58€497k€450k▼
Stocks and contracts in progress3€131k€117k▼
Stocks30/36€114k€71k▼
Contracts in progress37€17k€46k▲
Amounts receivable within one year40/41€200k€214k▲
Trade receivables40€142k€185k▲
Other amounts receivable41€57k€29k▼
Cash at bank and in hand54/58€152k€104k▼
Deferred charges and accrued income490/1€14k€15k▲
Equity and liabilities
Total equity and liabilities10/49€806k€720k▼
Equity10/15€258k€261k▲
Contributions10/11€24k€24k=
Reserves13€234k€237k▲
Distributable reserves133€234k€237k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€548k€459k▼
Amounts payable after more than one year17€189k€157k▼
Financial debts170/4€189k€157k▼
Amounts payable within one year42/48€291k€297k▲
Current portion of amounts payable after more than one year42€47k€47k▲
Financial debts43€100k€100k=
Credit institutions430/8€100k€100k=
Trade debts44€128k€124k▼
Suppliers440/4€128k€124k▼
Taxes, remuneration and social security45€13k€22k▲
Taxes450/3€5k€6k▲
Remuneration and social security454/9€8k€16k▲
Other amounts payable47/48€4k€4k▲
Accrued charges and deferred income492/3€68k€6k▼
Income statement
Code20232024
Non-recurring operating income76A€620€0▼
Remuneration, social security and pensions62€286k€279k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€58k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-12k€0▲
Other operating charges640/8€14k€3k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€376k€362k▼
Operating profit (loss)9901€39k€23k▼
Financial income75/76B€6k€6k▼
Recurring financial income75€6k€6k▼
Financial charges65/66B€20k€20k▲
Recurring financial charges65€20k€20k▲
Profit (loss) for the period before taxes9903€25k€9k▼
Income taxes67/77€7k€3k▼
Profit (loss) for the period9904€18k€5k▼
Profit (loss) for the period to be appropriated9905€18k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€5k▼
Transfer from equity791/2€0€3k▲
Transfer to equity691/2€18k€5k▼
To other reserves6921€18k€5k▼
Profit to be distributed694/7€0€3k▲
Return on contributions (dividend)694€0€3k▲
Social balance
Average headcount (FTE)90877.47.4=
The notes to these accounts (24 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200kEq €240k ▲41%
5 profitable years in a row build equity to €240k.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €87k ▲221%
Operating result €144k, net result €87k, both a record.
31-12
Financial
Equity above €150kEq €170k ▲75%
4 profitable years in a row build equity to €170k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
2016
17-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 17 days late
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, Vleteren · 1 establishment unit since 2008
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.
Wulvestraat(Woes) 98640 VleterenGround area
1,565 m²
Building footprint
220 m²
Volume, LiDAR
986 m³
Parcel 33033A0513/00N005, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JB Konstrukt
since 20082.174.200.263
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33033A0513/00N005 | Flanders | 1,565 m² | 1 · 220 m² | 7.5 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
2023 to 2025 · 3 entries · 1,157 EUR awarded · 1,675 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 745 EUR | 745 EUR |
| 2024 | 1 | 146 EUR | 146 EUR |
| 2023 | 1 | 266 EUR | 784 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Timber Projects
BE 0659.886.644
Mechelen · Eq €261k
VANDOORNE RIK EN ZONEN
BE 0432.073.137
Izegem · Eq €260k
TO & CO
BE 0898.130.918
Lummen · Eq €260k
DC ALU
BE 1018.376.373
Kruisem · Eq €260k
I.D. CONSTRUCT
BE 0538.571.615
Willebroek · Eq €261k
Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,084 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-2008
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.