J.B.B.G.
ActiveFor J.B.B.G., at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €218k and a net result of €19k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 72% of 18488 sector peers (fiscal year 2023). The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability77▼-2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
77.8%
Return on assets
6.8%
Age of the figures
39 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 30-06-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
30-06-2024 close31-01-2025 deadline17-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 30-06-2023 was due by 31-01-2024 and was filed on 29-02-2024, 29 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
not filed
2024
not filed
2023
29 d late
2022
9 d late
2021
28 d late
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€218k▼ 4.6%
2022 · €228k
2019: €174k
2020: €213k
2021: €237k
2022: €228k
2019 → 2023
Total assets
€280k▼ 2.5%
2022 · €287k
2019: €214k
2020: €259k
2021: €267k
2022: €287k
2019 → 2023
Net result
€19k▼ 20.2%
2022 · €24k
2019: €28k
2020: €39k
2021: €24k
2022: €24k
2019 → 2023
Working capital
€212k▲ 4.6%
2022 · €203k
2019: €138k
2020: €181k
2021: €206k
2022: €203k
2019 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€174k-€213k▲ 22.3%€237k▲ 11.4%€228k▼ 3.7%€218k▼ 4.6%
Operating result€39k-€62k▲ 59.0%€33k▼ 46.5%€32k▼ 3.2%€25k▼ 20.9%
Net result€28k-€39k▲ 38.7%€24k▼ 37.6%€24k▼ 1.5%€19k▼ 20.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2023 is 21% below 2022 and is the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €280k
Fixed assets
€22k▼ 17.4%
Current assets
€258k▼ 1.0%
Equity and liabilities €280k
Equity
€218k▼ 4.6%
Debt
€62k▲ 5.8%
The debt ratio rises from 20.4% to 22.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€30k▼
2022 · €37k
Cash flow
€24k▼
2022 · €29k
Solvency
77.8%▼
2022 · 79.6%
Current ratio
5.60▲
2022 · 4.50
Quick ratio
5.40▲
2022 · 4.34
Debt / equity
0.29▲
2022 · 0.26
ROE
8.7%▼
2022 · 10.4%
ROA
6.8%▼
2022 · 8.3%
Interest coverage
188.81▼
2022 · 254.37
Debt
€62k▲
2022 · €59k
Debt ≤ 1 year
€46k▼
2022 · €58k
Income taxes
€7k▼
2022 · €9k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€287k€280k▼
Fixed assets21/28€27k€22k▼
Tangible fixed assets22/27€27k€22k▼
Land and buildings22€21k€19k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€261k€258k▼
Amounts receivable after more than one year29€30k€17k▼
Other amounts receivable291€30k€17k▼
Stocks and contracts in progress3€9k€9k=
Stocks30/36€9k€9k=
Amounts receivable within one year40/41€45k€39k▼
Trade receivables40€28k€26k▼
Other amounts receivable41€16k€13k▼
Cash at bank and in hand54/58€173k€188k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€287k€280k▼
Equity10/15€228k€218k▼
Contributions10/11€19k€19k=
Reserves13€146k€136k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€145k€134k▼
Profit (loss) carried forward14€64k€64k=
Amounts payable17/49€59k€62k▲
Amounts payable within one year42/48€58k€46k▼
Trade debts44€8k€318▼
Suppliers440/4€8k€318▼
Taxes, remuneration and social security45€17k€16k▼
Taxes450/3€11k€16k▲
Remuneration and social security454/9€6k-
Other amounts payable47/48€33k€30k▼
Accrued charges and deferred income492/3€851€16k▲
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€969€1k▲
Gross operating margin9900€38k€31k▼
Operating profit (loss)9901€32k€25k▼
Financial income75/76B€637€767▲
Recurring financial income75€637€767▲
Financial charges65/66B€145€159▲
Recurring financial charges65€145€159▲
Profit (loss) for the period before taxes9903€33k€26k▼
Income taxes67/77€9k€7k▼
Profit (loss) for the period9904€24k€19k▼
Profit (loss) for the period to be appropriated9905€24k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€87k€83k▼
Profit (loss) brought forward from the previous period14P€64k€64k=
Transfer from equity791/2€33k€30k▼
Transfer to equity691/2€24k€19k▼
To other reserves6921€24k€19k▼
Profit to be distributed694/7€33k€30k▼
Return on contributions (dividend)694€33k€30k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-06
Financial
Weakest financial yearnet €19k ▼20.2%
Net result drops to €19k, the lowest in the series.
09-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Highest result since 2019net €39k ▲38.7%
Operating result €62k, net result €39k, both a record.
30-06
Financial
Equity above €200kEq €213k ▲22.3%
2 profitable years in a row build equity to €213k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
16-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
15-01
NBB filing
Annual accounts filed
fiscal year 2014 · full 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, Charleroi · 1 establishment unit since 1994
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 de Beaumont 3876030 CharleroiGround area
360 m²
Building footprint
52 m²
Volume, LiDAR
495 m³
Parcel 52044B0477/00L020, Wallonia · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
J.B.B.G.
since 19942.067.403.560
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52044B0477/00L020 | Wallonia | 360 m² | 1 · 52 m² | 11.5 m · 3 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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Of 16,874 companies in sector 62100 we hold annual accounts for 8,779. 6,501 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-1994
Fiscal year end30-06
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.