J. and A. LOADING TECHNOLOGY
ActiveJ. and A. LOADING TECHNOLOGY has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €683k and a net result of €45k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 7921 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-13
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 3.05 against 4.11 in 2024), and 30.7% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
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
69.3%
Return on assets
4.6%
Age of the figures
8 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 20-05-2026, 72 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
72 d early
2024
51 d early
2023
37 d early
2022
76 d early
2021
83 d early
2020
33 d early
2019
9 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€683k▲ 7.1%
2024 · €638k
2018: €466k
2019: €462k
2020: €463k
2021: €505k
2022: €539k
2023: €579k
2024: €638k
2018 → 2025
Total assets
€986k▲ 18.6%
2024 · €831k
2018: €955k
2019: €817k
2020: €817k
2021: €1.09M
2022: €732k
2023: €834k
2024: €831k
2018 → 2025
Net result
€45k▼ 22.5%
2024 · €58k
2018: €149k
2019: €-4k
2020: €92k
2021: €42k
2022: €34k
2023: €41k
2024: €58k
2018 → 2025
Working capital
€608k▲ 2.6%
2024 · €592k
2018: €456k
2019: €463k
2020: €465k
2021: €465k
2022: €508k
2023: €510k
2024: €592k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€505k-€539k▲ 6.7%€579k▲ 7.5%€638k▲ 10.1%€683k▲ 7.1%
Operating result€55k-€48k▼ 12.9%€56k▲ 15.2%€81k▲ 44.9%€61k▼ 23.9%
Net result€42k-€34k▼ 19.0%€41k▲ 20.2%€58k▲ 44.1%€45k▼ 22.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €986k
Fixed assets
€82k▲ 68.2%
Current assets
€904k▲ 15.5%
Equity and liabilities €986k
Equity
€683k▲ 7.1%
Debt
€303k▲ 56.4%
The debt ratio rises from 23.3% to 30.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€87k▼
2024 · €101k
Cash flow
€71k▼
2024 · €79k
Solvency
69.3%▼
2024 · 76.7%
Current ratio
3.05▼
2024 · 4.11
Quick ratio
3.05▼
2024 · 4.11
Debt / equity
0.44▲
2024 · 0.30
ROE
6.6%▼
2024 · 9.2%
ROA
4.6%▼
2024 · 7.0%
Interest coverage
109.35▼
2024 · 149.55
Debt
€303k▲
2024 · €194k
Debt ≤ 1 year
€296k▲
2024 · €190k
Income taxes
€19k▼
2024 · €24k
Staff costs
€1.24M▲
2024 · €1.16M
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€831k€986k▲
Fixed assets21/28€49k€82k▲
Tangible fixed assets22/27€48k€82k▲
Furniture and vehicles24€48k€82k▲
Financial fixed assets28€50€50=
Current assets29/58€783k€904k▲
Amounts receivable within one year40/41€411k€518k▲
Trade receivables40€296€200k▲
Other amounts receivable41€411k€317k▼
Current investments50/53€100k€136k▲
Cash at bank and in hand54/58€270k€249k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€831k€986k▲
Equity10/15€638k€683k▲
Contributions10/11€19k€19k=
Reserves13€619k€664k▲
Distributable reserves133€619k€664k▲
Amounts payable17/49€194k€303k▲
Amounts payable within one year42/48€190k€296k▲
Trade debts44€8k€108k▲
Suppliers440/4€8k€108k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€182k€188k▲
Taxes450/3€27k€25k▼
Remuneration and social security454/9€156k€163k▲
Accrued charges and deferred income492/3€3k€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€1.16M€1.24M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€26k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€1.26M€1.33M▲
Operating profit (loss)9901€81k€61k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€676€797▲
Recurring financial charges65€676€797▲
Profit (loss) for the period before taxes9903€82k€64k▼
Income taxes67/77€24k€19k▼
Profit (loss) for the period9904€58k€45k▼
Profit (loss) for the period to be appropriated9905€58k€45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€45k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€58k€45k▼
To other reserves6921€58k€45k▼
Social balance
Average headcount (FTE)908717.517.7▲
The notes to these accounts (13 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
20-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity doublescurrent ratio 3.63
Current ratio from 1.80 to 3.63; short-term debt falls from €585k to €193k.
09-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €505k ▲9%
2 profitable years in a row build equity to €505k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €92k
Net result €92k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-4k ▼103%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Kapellen · 1 establishment unit since 1991
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.
Kasteeldreef 142950 KapellenGround area
2,481 m²
Building footprint
260 m²
Volume, LiDAR
1,682 m³
Parcel 11902H0097/00B002, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J & A LOADING TECHNOLOGIE BVBA
since 19912.053.941.346
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11902H0097/00B002 | Flanders | 2,481 m² | 1 · 260 m² | 11.2 m · 2 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 to 2025 · 4 entries · 4,300 EUR awarded · 3,815 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,412 EUR | 2,831 EUR |
| 2024 | 1 | 141 EUR | 237 EUR |
| 2023 | 1 | 682 EUR | 682 EUR |
| 2022 | 1 | 65 EUR | 65 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 3,448 companies in sector 25530 we hold annual accounts for 1,645. 1,220 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-08-1991
Fiscal year end31-12
Activities, NACEBEL
25530Machining of metals
28520
46649Wholesale of other machinery and equipment
51872
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.