DOCTEUR JOSETTE JENNES
ActiveDOCTEUR JOSETTE JENNES has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €16k. Equity is growing by ~5.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88=
Solvency95▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.28 against 1.98 in 2024; short-term debt: 29.6% and cash: 36% of total assets), and 29.6% 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
70.4%
Return on assets
15.2%
Age of the figures
9 mo
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
30 d late
2023
13 d late
2022
19 d early
2021
23 d early
2020
29 d early
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€74k▼ 5.4%
2024 · €79k
2018: €58k
2019: €79k
2020: €97k
2021: €107k
2022: €110k
2023: €120k
2024: €79k
2018 → 2025
Total assets
€106k▼ 31.1%
2024 · €153k
2018: €74k
2019: €87k
2020: €109k
2021: €148k
2022: €141k
2023: €137k
2024: €153k
2018 → 2025
Net result
€16k▼ 31.6%
2024 · €23k
2018: €10k
2019: €22k
2020: €19k
2021: €27k
2022: €21k
2023: €21k
2024: €23k
2018 → 2025
Working capital
€71k▼ 2.3%
2024 · €73k
2018: €57k
2019: €78k
2020: €97k
2021: €95k
2022: €97k
2023: €111k
2024: €73k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€107k-€110k▲ 2.9%€120k▲ 9.3%€79k▼ 34.6%€74k▼ 5.4%
Operating result€33k-€25k▼ 24.1%€26k▲ 4.8%€29k▲ 11.0%€18k▼ 37.1%
Net result€27k-€21k▼ 20.8%€21k▼ 1.9%€23k▲ 13.3%€16k▼ 31.6%
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 37% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€3k▼ 46.1%
Current assets
€103k▼ 30.5%
Equity and liabilities €106k
Equity
€74k▼ 5.4%
Debt
€31k▼ 58.1%
The debt ratio falls from 48.7% to 29.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €33k
Cash flow
€20k▼
2024 · €27k
Solvency
70.4%▲
2024 · 51.3%
Current ratio
3.28▲
2024 · 1.98
Quick ratio
3.28▲
2024 · 1.98
Debt / equity
0.42▼
2024 · 0.95
ROE
21.5%▼
2024 · 29.8%
ROA
15.2%▼
2024 · 15.3%
Interest coverage
44.60▼
2024 · 71.59
Debt
€31k▼
2024 · €75k
Debt ≤ 1 year
€31k▼
2024 · €75k
Income taxes
€7k▼
2024 · €12k
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€153k€106k▼
Fixed assets21/28€6k€3k▼
Tangible fixed assets22/27€6k€3k▼
Plant, machinery and equipment23-€890
Furniture and vehicles24€5k€2k▼
Other tangible fixed assets26€305€123▼
Financial fixed assets28€50€50=
Current assets29/58€148k€103k▼
Amounts receivable within one year40/41€108k€62k▼
Trade receivables40€11k€11k▲
Other amounts receivable41€97k€50k▼
Cash at bank and in hand54/58€37k€38k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€153k€106k▼
Equity10/15€79k€74k▼
Contributions10/11€12k€12k=
Reserves13€66k€62k▼
Distributable reserves133€66k€62k▼
Amounts payable17/49€75k€31k▼
Amounts payable within one year42/48€75k€31k▼
Current portion of amounts payable after more than one year42€2k€2k▼
Trade debts44€2k€771▼
Suppliers440/4€2k€771▼
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€6k€7k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€65k€20k▼
Accrued charges and deferred income492/3€59-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€387€400▲
Gross operating margin9900€33k€22k▼
Operating profit (loss)9901€29k€18k▼
Financial income75/76B€7k€5k▼
Recurring financial income75€7k€5k▼
Financial charges65/66B€456€495▲
Recurring financial charges65€456€495▲
Profit (loss) for the period before taxes9903€35k€23k▼
Income taxes67/77€12k€7k▼
Profit (loss) for the period9904€23k€16k▼
Profit (loss) for the period to be appropriated9905€23k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€16k▼
Transfer from equity791/2€65k€20k▼
Transfer to equity691/2€23k€16k▼
To other reserves6921€23k€16k▼
Profit to be distributed694/7€65k€20k▼
Return on contributions (dividend)694€65k€20k▼
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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €27k ▲40.6%
Operating result €33k, net result €27k, both a record.
31-12
Financial
Equity above €100kEq €107k ▲9.8%
4 profitable years in a row build equity to €107k.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 11.15
Current ratio from 4.51 to 11.15; short-term debt falls from €16k to €8k.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Wavre · 1 establishment unit since 2002
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.
Rue Florimond Letroye 81300 WavreGround area
749 m²
Building footprint
176 m²
Volume, LiDAR
2,289 m³
Parcel 25772G0132/00H002, Wallonia · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue Florimond Letroye 8, 1300 Wavre
since 20022.199.882.794
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25772G0132/00H002 | Wallonia | 749 m² | 1 · 176 m² | 14.4 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2002
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.