J. BROODS
ActiveJ. BROODS has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €705k and a net result of €86k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 89% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 7.12 against 5.18 in 2024; short-term debt: 13.5% and cash: 44.1% of total assets), and 15% 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
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 · 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
85%
Return on assets
10.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €705k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-09-2026, 34 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
34 d late
2024
57 d late
2023
63 d late
2022
60 d late
2021
368 d late
2020
89 d late
2019
122 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€705k▲ 14.0%
2024 · €619k
2018: €588k
2019: €600k
2020: €648k
2021: €701k
2022: €777k
2023: €524k
2024: €619k
2018 → 2025
Total assets
€830k▲ 8.9%
2024 · €762k
2018: €639k
2019: €688k
2020: €725k
2021: €809k
2022: €896k
2023: €877k
2024: €762k
2018 → 2025
Net result
€86k▼ 8.4%
2024 · €94k
2018: €18k
2019: €12k
2020: €48k
2021: €53k
2022: €76k
2023: €70k
2024: €94k
2018 → 2025
Working capital
€685k▲ 18.7%
2024 · €577k
2018: €546k
2019: €578k
2020: €605k
2021: €641k
2022: €725k
2023: €480k
2024: €577k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€701k-€777k▲ 10.9%€524k▼ 32.5%€619k▲ 18.0%€705k▲ 14.0%
Operating result€74k-€110k▲ 48.2%€108k▼ 2.3%€139k▲ 29.6%€121k▼ 13.1%
Net result€53k-€76k▲ 44.2%€70k▼ 8.0%€94k▲ 34.8%€86k▼ 8.4%
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 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €830k
Fixed assets
€33k▼ 29.2%
Current assets
€797k▲ 11.4%
Equity and liabilities €830k
Equity
€705k▲ 14.0%
Debt
€125k▼ 12.9%
The debt ratio falls from 18.8% to 15.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€135k▼
2024 · €153k
Cash flow
€100k▼
2024 · €108k
Solvency
85.0%▲
2024 · 81.2%
Current ratio
7.12▲
2024 · 5.18
Quick ratio
7.07▲
2024 · 5.14
Debt / equity
0.18▼
2024 · 0.23
ROE
12.3%▼
2024 · 15.3%
ROA
10.4%▼
2024 · 12.4%
Interest coverage
217.03▲
2024 · 131.23
Debt
€125k▼
2024 · €143k
Debt ≤ 1 year
€112k▼
2024 · €138k
Income taxes
€46k▼
2024 · €53k
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€762k€830k▲
Fixed assets21/28€47k€33k▼
Tangible fixed assets22/27€47k€33k▼
Land and buildings22€38k€31k▼
Plant, machinery and equipment23€891€470▼
Furniture and vehicles24€8k€2k▼
Current assets29/58€715k€797k▲
Stocks and contracts in progress3€6k€6k=
Stocks30/36€6k€6k=
Amounts receivable within one year40/41€417k€420k▲
Trade receivables40€159k€149k▼
Other amounts receivable41€258k€271k▲
Cash at bank and in hand54/58€288k€366k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€762k€830k▲
Equity10/15€619k€705k▲
Contributions10/11€30k€30k=
Reserves13€589k€675k▲
Tax-exempt reserves132€16k€16k=
Distributable reserves133€573k€659k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€143k€125k▼
Amounts payable within one year42/48€138k€112k▼
Trade debts44€33k€11k▼
Suppliers440/4€33k€11k▼
Taxes, remuneration and social security45€94k€101k▲
Taxes450/3€94k€101k▲
Other amounts payable47/48€11k€0▼
Accrued charges and deferred income492/3€5k€13k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€14k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€10k€5k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€166k€143k▼
Operating profit (loss)9901€139k€121k▼
Financial income75/76B€9k€12k▲
Recurring financial income75€9k€12k▲
Financial charges65/66B€1k€622▼
Recurring financial charges65€1k€622▼
Profit (loss) for the period before taxes9903€148k€132k▼
Income taxes67/77€53k€46k▼
Profit (loss) for the period9904€94k€86k▼
Profit (loss) for the period to be appropriated9905€94k€86k▼
Appropriation of the result
Profit (loss) to be appropriated9906€94k€86k▼
Transfer from equity791/2€0-
Transfer to equity691/2€94k€86k▼
To other reserves6921€94k€86k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
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
Next filing, fiscal year 2026, expected by
2026
03-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 34 days late
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Highest result since 2018net €94k ▲34.8%
Operating result €139k, net result €94k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.18
Current ratio from 2.36 to 5.18; short-term debt falls from €353k to €138k.
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 63 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 368 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Weakest financial yearnet €12k ▼31.8%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 90 days late
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 1985
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.
Laarstraat 922070 Beveren-Kruibeke-ZwijndrechtGround area
996 m²
Building footprint
151 m²
Volume, LiDAR
865 m³
Parcel 11056B0711/00R000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Laarstraat 92, 2070 Beveren-Kruibeke-Zwijndrecht
since 19852.028.782.516
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11056B0711/00R000 | Flanders | 996 m² | 1 · 151 m² | 9.2 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.
Similar companies · same sector, comparable size
VLS VERWARMING
BE 0842.123.415
Nijlen · Eq €705k
DE VISSCHERE TECHNICS
BE 0803.118.824
Roeselare · Eq €704k
HOEFMAN TIM
BE 0878.222.261
Gavere · Eq €706k
Etablissements Ernest Seghers et Fils
BE 0407.232.427
Ecaussinnes · Eq €703k
Engels B&S
BE 0825.446.244
Mechelen · Eq €699k
Of 7,036 companies in sector 43221 we hold annual accounts for 3,468. 2,005 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-1985
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 40 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.