BRAAM JPB
ActiveBRAAM JPB has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €294k and a net result of €123k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 93% of 2533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+35
Solvency100▲+33
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 22.89 against 0.71 in 2024; short-term debt: 2.5% and cash: 51.7% of total assets), and 11.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
88.7%
Return on assets
37.2%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
60 d late
2023
62 d early
2022
70 d early
2021
36 d early
2020
53 d early
2019
28 d early
← 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
€294k▲ 72.4%
2024 · €170k
2018: €133k
2019: €128k
2020: €132k
2021: €132k
2022: €142k
2023: €181k
2024: €170k
2018 → 2025
Total assets
€331k▼ 18.1%
2024 · €404k
2018: €177k
2019: €163k
2020: €161k
2021: €161k
2022: €172k
2023: €218k
2024: €404k
2018 → 2025
Net result
€123k
2024 · €-11k
2018: €-16k
2019: €-5k
2020: €4k
2021: €-376
2022: €11k
2023: €39k
2024: €-11k
2018 → 2025
Working capital
€180k
2024 · €-62k
2018: €12k
2019: €18k
2020: €27k
2021: €32k
2022: €50k
2023: €86k
2024: €-62k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€132k-€142k▲ 8.0%€181k▲ 27.4%€170k▼ 5.9%€294k▲ 72.4%
Operating result€-2k-€9k€42k▲ 371%€-13k€151k
Net result€-376-€11k€39k▲ 269%€-11k€123k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €151k after a loss of €13k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €331k
Fixed assets
€143k▼ 42.8%
Current assets
€188k▲ 22.1%
Equity and liabilities €331k
Equity
€294k▲ 72.4%
Provisions
€29k▲ 64.9%
Debt
€8k▼ 96.2%
The debt ratio falls from 53.5% to 2.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€152k▲
2024 · €14k
Cash flow
€124k▲
2024 · €16k
Solvency
88.7%▲
2024 · 42.1%
Current ratio
22.89▲
2024 · 0.71
Quick ratio
22.89▲
2024 · 0.71
Debt / equity
0.03▼
2024 · 1.27
ROE
42.0%▲
2024 · -6.3%
ROA
37.2%▲
2024 · -2.6%
Interest coverage
428.66▲
2024 · 105.95
Debt
€8k▼
2024 · €216k
Debt ≤ 1 year
€8k▼
2024 · €216k
Income taxes
€17k▲
2024 · €216
Staff costs
€0▼
2024 · €1k
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€404k€331k▼
Fixed assets21/28€250k€143k▼
Tangible fixed assets22/27€250k€143k▼
Land and buildings22€177k€139k▼
Plant, machinery and equipment23€73k€3k▼
Furniture and vehicles24€131€665▲
Financial fixed assets28€50€0▼
Current assets29/58€154k€188k▲
Amounts receivable within one year40/41€121€3k▲
Trade receivables40€121€0▼
Other amounts receivable41-€3k
Cash at bank and in hand54/58€154k€171k▲
Deferred charges and accrued income490/1€398€13k▲
Equity and liabilities
Total equity and liabilities10/49€404k€331k▼
Equity10/15€170k€294k▲
Contributions10/11€124k€124k=
Reserves13€54k€170k▲
Tax-exempt reserves132€33k€88k▲
Distributable reserves133€21k€82k▲
Profit (loss) carried forward14€-7k€0▲
Provisions and deferred taxes16€18k€29k▲
Deferred taxes168€18k€29k▲
Amounts payable17/49€216k€8k▼
Amounts payable within one year42/48€216k€8k▼
Financial debts43€7€0▼
Credit institutions430/8€7€0▼
Trade debts44€186€3k▲
Suppliers440/4€186€3k▲
Advances received on contracts in progress46-€605
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€7k€3k▼
Other amounts payable47/48€209k€3k▼
Income statement
Code20242025
Non-recurring operating income76A-€117k
Remuneration, social security and pensions62€1k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€781▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€18k€156k▲
Operating profit (loss)9901€-13k€151k▲
Financial income75/76B€161€995▲
Recurring financial income75€161€10▼
Non-recurring financial income76B-€985
Financial charges65/66B€129€355▲
Recurring financial charges65€129€355▲
Profit (loss) for the period before taxes9903€-13k€152k▲
Transfer from deferred taxes780€2k€18k▲
Transfer to deferred taxes680-€29k
Income taxes67/77€216€17k▲
Profit (loss) for the period9904€-11k€123k▲
Transfer from tax-exempt reserves789€4k€33k▲
Transfer to tax-exempt reserves689-€88k
Profit (loss) for the period to be appropriated9905€-7k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€61k▲
Profit (loss) brought forward from the previous period14P€0€-7k▼
Transfer from equity791/2-€7k
Transfer to equity691/2€0€68k▲
To other reserves6921€0€68k▲
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €123k
Net result €123k after one loss-making year.
31-12
Financial
Liquidity times 32current ratio 22.89
Current ratio from 0.71 to 22.89; short-term debt falls from €216k to €8k.
31-12
Financial
Equity above €200kEq €294k ▲72.4%
Equity rises from €170k to €294k.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €181k ▲27.4%
2 profitable years in a row build equity to €181k.
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 9.80
Current ratio from 4.84 to 9.80; short-term debt falls from €5k to €3k.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 4.84
Current ratio from 2.04 to 4.84; short-term debt falls from €11k to €5k.
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Elsene · 1 establishment unit since 1998
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.
Fourmoisstraat 91050 ElseneGround area
211 m²
Building footprint
189 m²
Volume, LiDAR
2,369 m³
Parcel 21447B0298/00W005, Brussels · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Fourmoisstraat 9, 1050 Elsene
since 19982.084.907.805
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0298/00W005 | Brussels | 211 m² | 1 · 189 m² | 15.5 m · 4 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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COCOON
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J.S. OFFSET SERVICES
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Of 2,544 companies in sector 95290 we hold annual accounts for 415. 281 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-1997
Fiscal year end31-12
Activities, NACEBEL
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 28 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.