CROMBEZ JOCHEN
ActiveThe computed 12-month bankruptcy probability of CROMBEZ JOCHEN is 1.8% (moderate). The 2025 annual accounts show equity of €112k and a net result of €17k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 54% of 27446 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
88
/ 100
Excellent▲ +4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-24
Solvency87▲+13
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.37 in 2024), and 49.1% 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 · 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
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
50.9%
Return on assets
7.8%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
25 d early
2024
9 d early
2023
28 d early
2022
32 d early
2021
46 d early
2020
29 d early
2019
25 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€112k▲ 6.7%
2024 · €105k
2019: €47k
2020: €72k
2021: €73k
2022: €77k
2023: €79k
2024: €105k
2019 → 2025
Total assets
€220k▼ 9.3%
2024 · €243k
2019: €75k
2020: €104k
2021: €91k
2022: €132k
2023: €141k
2024: €243k
2019 → 2025
Net result
€17k▼ 44.9%
2024 · €31k
2019: €27k
2020: €25k
2021: €2k
2022: €6k
2023: €14k
2024: €31k
2019 → 2025
Working capital
€45k▲ 31.4%
2024 · €34k
2019: €14k
2020: €45k
2021: €49k
2022: €44k
2023: €38k
2024: €34k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€77k▲ 4.9%€79k▲ 3.4%€105k▲ 32.1%€112k▲ 6.7%
Operating result€5k-€8k▲ 55.0%€20k▲ 145%€47k▲ 138%€29k▼ 38.1%
Net result€2k-€6k▲ 280%€14k▲ 123%€31k▲ 128%€17k▼ 44.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €220k
Fixed assets
€99k▼ 14.7%
Current assets
€121k▼ 4.4%
Equity and liabilities €220k
Equity
€112k▲ 6.7%
Debt
€108k▼ 21.5%
The debt ratio falls from 56.8% to 49.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€57k▼
2024 · €69k
Cash flow
€45k▼
2024 · €53k
Solvency
50.9%▲
2024 · 43.2%
Current ratio
1.59▲
2024 · 1.37
Quick ratio
0.73▼
2024 · 0.76
Debt / equity
0.97▼
2024 · 1.31
ROE
15.2%▼
2024 · 29.5%
ROA
7.8%▼
2024 · 12.8%
Interest coverage
10.61▼
2024 · 12.40
Debt
€108k▼
2024 · €138k
Debt ≤ 1 year
€76k▼
2024 · €92k
Debt > 1 year
€32k▼
2024 · €45k
Income taxes
€7k▼
2024 · €11k
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€243k€220k▼
Fixed assets21/28€116k€99k▼
Tangible fixed assets22/27€116k€99k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€33k€26k▼
Leasing and similar rights25€48k€36k▼
Other tangible fixed assets26€33k€35k▲
Current assets29/58€127k€121k▼
Stocks and contracts in progress3€56k€66k▲
Stocks30/36€56k€66k▲
Amounts receivable within one year40/41€29k€44k▲
Trade receivables40€25k€41k▲
Other amounts receivable41€3k€3k▼
Current investments50/53€5k€5k=
Cash at bank and in hand54/58€30k€3k▼
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€243k€220k▼
Equity10/15€105k€112k▲
Contributions10/11€20k€20k=
Reserves13€85k€92k▲
Distributable reserves133€85k€92k▲
Amounts payable17/49€138k€108k▼
Amounts payable after more than one year17€45k€32k▼
Financial debts170/4€45k€32k▼
Amounts payable within one year42/48€92k€76k▼
Current portion of amounts payable after more than one year42€28k€30k▲
Financial debts43€5k-
Credit institutions430/8€5k-
Trade debts44€35k€12k▼
Suppliers440/4€35k€12k▼
Taxes, remuneration and social security45€19k€25k▲
Taxes450/3€19k€25k▲
Other amounts payable47/48€6k€10k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€28k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€71k€58k▼
Operating profit (loss)9901€47k€29k▼
Financial income75/76B€438€186▼
Recurring financial income75€438€186▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€42k€24k▼
Income taxes67/77€11k€7k▼
Profit (loss) for the period9904€31k€17k▼
Profit (loss) for the period to be appropriated9905€31k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€17k▼
Transfer from equity791/2-€10k
Transfer to equity691/2€25k€17k▼
To other reserves6921€25k€17k▼
Profit to be distributed694/7€6k€10k▲
Return on contributions (dividend)694€6k€10k▲
The notes to these accounts (10 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €31k ▲128%
Operating result €47k, net result €31k, both a record.
31-12
Financial
Equity above €100kEq €105k ▲32.1%
6 profitable years in a row build equity to €105k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €2k ▼93.6%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro 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, Roeselare · 1 establishment unit since 2019
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.
Ieperseweg 1598800 RoeselareGround area
892 m²
Building footprint
197 m²
Volume, LiDAR
440 m³
Parcel 36013A0446/00A000, Flanders · tallest building 5.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CROMBEZ JOCHEN
since 20192.286.210.420
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36013A0446/00A000 | Flanders | 892 m² | 1 · 197 m² | 5.5 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
2022 · 1 entry · 450 EUR awarded · 450 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 450 EUR | 450 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,826 companies in sector 43211 we hold annual accounts for 10,326. 8,767 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2019
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0000000000