J-BELI
ActiveSummary
J-BELI has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €16k. Equity is growing by ~40.4% per year across the filed fiscal years. Its solvency ranks better than 42% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-17
Solvency71▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.24 against 0.13 in 2024; short-term debt: 29.7% and cash: 6.4% of total assets), and 53.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
46.3%
Return on assets
11.6%
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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
30 d late
2022
30 d late
2021
31 d late
2020
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€65k▲ 33.3%
2024 · €49k
2020: €16k
2021: €13k
2022: €23k
2023: €33k
2024: €49k
2020 → 2025
Total assets
€140k▲ 3.8%
2024 · €135k
2020: €132k
2021: €132k
2022: €132k
2023: €131k
2024: €135k
2020 → 2025
Net result
€16k▲ 2.5%
2024 · €16k
2020: €-4k
2021: €-3k
2022: €10k
2023: €9k
2024: €16k
2020 → 2025
Working capital
€-32k▲ 6.3%
2024 · €-34k
2020: €-14k
2021: €-29k
2022: €-32k
2023: €-36k
2024: €-34k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€23k▲ 79.0%€33k▲ 39.9%€49k▲ 48.2%€65k▲ 33.3%
Operating result€-2k-€13k€14k▲ 9.5%€22k▲ 61.0%€23k▲ 0.4%
Net result€-3k-€10k€9k▼ 9.5%€16k▲ 69.0%€16k▲ 2.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 0% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €140k
Fixed assets
€130k =
Current assets
€10k ▲ 104%
Equity and liabilities €140k
Equity
€65k ▲ 33.3%
Debt
€75k ▼ 12.8%
Debt's share of the balance-sheet total falls from 64.0% to 53.7%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
0.24▲
2024 · 0.13
Debt to equity
1.16▼
2024 · 1.77
ROE
25.0%▼
2024 · 32.5%
ROA
11.6%▼
2024 · 11.7%
Debt ≤ 1 year
€42k▲
2024 · €39k
Debt > 1 year
€32k▼
2024 · €46k
Income taxes
€5k▼
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€135k€140k▲
Fixed assets21/28€130k€130k=
Financial fixed assets28€130k€130k=
Current assets29/58€5k€10k▲
Amounts receivable within one year40/41-€1k
Other amounts receivable41-€1k
Cash at bank and in hand54/58€5k€9k▲
Equity and liabilities
Total equity and liabilities10/49€135k€140k▲
Equity10/15€49k€65k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€29k€45k▲
Amounts payable17/49€86k€75k▼
Amounts payable after more than one year17€46k€32k▼
Financial debts170/4€46k€32k▼
Amounts payable within one year42/48€39k€42k▲
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€857€2k▲
Suppliers440/4€857€2k▲
Advances received on contracts in progress46€1k€8k▲
Taxes, remuneration and social security45€4k-
Taxes450/3€4k-
Other amounts payable47/48€18k€18k=
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€292-
Other operating charges640/8€387€400▲
Gross operating margin9900€23k€23k▼
Operating profit (loss)9901€22k€23k▲
Financial charges65/66B€1k€942▼
Recurring financial charges65€1k€942▼
Profit (loss) for the period before taxes9903€21k€22k▲
Income taxes67/77€6k€5k▼
Profit (loss) for the period9904€16k€16k▲
Profit (loss) for the period to be appropriated9905€16k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€45k▲
Profit (loss) brought forward from the previous period14P€13k€29k▲
The notes to these accounts (3 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
Highest result since 2020net €16k ▲2.5%
Operating result €23k, net result €16k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Waremme · 1 establishment unit since 2020
Ground area
3,542 m²
Building footprint
559 m²
Volume, LiDAR
5,609 m³
2 parcels, Wallonia · tallest building 12.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
J-BELI
since 20202.296.385.819
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64065C0435/00V000 | Wallonia | 3,102 m² | 1 · 411 m² | 12.3 m · 3 fl. |
| 64074C0894/00W002 | Wallonia | 439 m² | 1 · 148 m² | 12.7 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,332 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.