J.D.S.
ActiveJ.D.S. has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.50M and a net result of €-45k. Equity is growing by ~25% per year across the filed fiscal years. Its solvency ranks better than 54% of 3614 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency63▼-34
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days only on tighter terms
Liquidity tight (current ratio 1.49 against 9.91 in 2024), and 67% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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
33%
Return on assets
-1%
Age of the figures
8 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
38 d early
2023
20 d early
2022
25 d late
2021
11 d early
2020
24 d late
2019
92 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.50M▼ 2.9%
2024 · €1.55M
2018: €279k
2019: €534k
2020: €589k
2021: €1.24M
2022: €1.21M
2023: €1.19M
2024: €1.55M
2018 → 2025
Total assets
€4.56M▲ 58.7%
2024 · €2.87M
2018: €2.24M
2019: €1.99M
2020: €2.71M
2021: €3.04M
2022: €3.57M
2023: €4.07M
2024: €2.87M
2018 → 2025
Net result
€-45k
2024 · €363k
2018: €8k
2019: €275k
2020: €73k
2021: €671k
2022: €-37k
2023: €-19k
2024: €363k
2018 → 2025
Working capital
€964k▼ 12.7%
2024 · €1.10M
2018: €14k
2019: €220k
2020: €265k
2021: €823k
2022: €764k
2023: €724k
2024: €1.10M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.24M-€1.21M▼ 3.0%€1.19M▼ 1.6%€1.55M▲ 30.6%€1.50M▼ 2.9%
Operating result€641k-€6k▼ 99.1%€69k▲ 1,062%€612k▲ 787%€6k▼ 99.1%
Net result€671k-€-37k€-19k▲ 48.2%€363k€-45k
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 99% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.56M
Fixed assets
€1.65M▲ 0.1%
Current assets
€2.91M▲ 137%
Equity and liabilities €4.56M
Equity
€1.50M▼ 2.9%
Debt
€3.06M▲ 131%
The debt ratio rises from 46.1% to 67.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€82k▼
2024 · €769k
Cash flow
€32k▼
2024 · €520k
Solvency
33.0%▼
2024 · 53.9%
Current ratio
1.49▼
2024 · 9.91
Quick ratio
0.37▼
2024 · 5.66
Debt / equity
2.03▲
2024 · 0.85
ROE
-3.0%▼
2024 · 23.4%
ROA
-1.0%▼
2024 · 12.6%
Interest coverage
1.51▼
2024 · 5.73
Debt
€3.06M▲
2024 · €1.32M
Debt ≤ 1 year
€1.95M▲
2024 · €124k
Debt > 1 year
€1.11M▼
2024 · €1.20M
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€2.87M€4.56M▲
Fixed assets21/28€1.65M€1.65M▲
Tangible fixed assets22/27€1.48M€1.48M▲
Land and buildings22€1.44M€1.44M▲
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€13k€9k▼
Other tangible fixed assets26€27k€27k=
Financial fixed assets28€163k€163k=
Current assets29/58€1.23M€2.91M▲
Amounts receivable after more than one year29€195k€195k=
Other amounts receivable291€195k€195k=
Stocks and contracts in progress3€526k€2.19M▲
Stocks30/36€526k€2.19M▲
Amounts receivable within one year40/41€484k€492k▲
Other amounts receivable41€484k€492k▲
Cash at bank and in hand54/58€20k€34k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.87M€4.56M▲
Equity10/15€1.55M€1.50M▼
Contributions10/11€19k€19k=
Reserves13€1.53M€1.53M=
Tax-exempt reserves132€216k€216k=
Distributable reserves133€1.32M€1.32M=
Profit (loss) carried forward14-€-45k
Amounts payable17/49€1.32M€3.06M▲
Amounts payable after more than one year17€1.20M€1.11M▼
Financial debts170/4€1.20M€1.11M▼
Amounts payable within one year42/48€124k€1.95M▲
Current portion of amounts payable after more than one year42€100k€95k▼
Financial debts43-€1.57M
Credit institutions430/8-€1.57M
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€17k€279k▲
Income statement
Code20242025
Non-recurring operating income76A€236k€56k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€158k€77k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€773k€84k▼
Operating profit (loss)9901€612k€6k▼
Financial income75/76B€227€4k▲
Recurring financial income75€227€4k▲
Financial charges65/66B€134k€55k▼
Recurring financial charges65€134k€55k▼
Profit (loss) for the period before taxes9903€478k€-45k▼
Income taxes67/77€115k-
Profit (loss) for the period9904€363k€-45k▼
Transfer to tax-exempt reserves689€211k-
Profit (loss) for the period to be appropriated9905€152k€-45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€96k€-45k▼
Profit (loss) brought forward from the previous period14P€-57k-
Transfer to equity691/2€96k-
To other reserves6921€96k-
The notes to these accounts (18 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 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-45k ▼112%
Net result drops to €-45k, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €363k
Net result €363k after 2 loss-making years.
31-12
Financial
Liquidity times 7current ratio 9.91
Current ratio from 1.36 to 9.91; short-term debt falls from €1.99M to €124k.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €671k ▲814%
Operating result €641k, net result €671k, both a record.
31-12
Financial
Equity above €1MEq €1.24M ▲111%
4 profitable years in a row build equity to €1.24M.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 24 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 92 days late
2019
31-12
Financial
Equity above €500kEq €534k ▲91.4%
2 profitable years in a row build equity to €534k.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 31 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-07
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
4 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, Kruisem · 1 establishment unit since 2003
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.
Beverhoekstraat(KRU) 239770 KruisemGround area
448 m²
Building footprint
121 m²
Volume, LiDAR
758 m³
Parcel 45017B0578/00R000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J.D.S.
since 20032.126.653.239
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017B0578/00R000 | Flanders | 448 m² | 1 · 121 m² | 9.3 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
Gaverbeek
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De Korrelatie
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ESPACE NATURE DE LA BOTTE DU HAINAUT
BE 0422.680.666
Sivry-Rance · Eq €1.54M
KORTRIJKS RESTAURATIEBEDRIJF
BE 0452.584.776
Kortrijk · Eq €1.55M
KATRIS
BE 0454.330.776
Middelkerke · Eq €1.46M
Of 13,832 companies in sector 56301 we hold annual accounts for 4,808. 817 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2003
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
47260Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.