J D SYSTEMS
ActiveJ D SYSTEMS has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €174k and a net result of €25k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 86% of 17964 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
93
/ 100
Excellent▲ +12 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+30
Solvency91▲+10
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.16 in 2024), and 21.4% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
78.6%
Return on assets
11.4%
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
61 d late
2023
47 d late
2022
42 d late
2021
74 d late
2020
96 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€174k▲ 17.0%
2024 · €148k
2018: €96k
2019: €93k
2020: €104k
2021: €114k
2022: €125k
2023: €135k
2024: €148k
2018 → 2025
Total assets
€221k▲ 30.8%
2024 · €169k
2018: €146k
2019: €146k
2020: €145k
2021: €145k
2022: €145k
2023: €147k
2024: €169k
2018 → 2025
Net result
€25k▲ 95.6%
2024 · €13k
2018: €-3k
2019: €-3k
2020: €11k
2021: €9k
2022: €11k
2023: €10k
2024: €13k
2018 → 2025
Working capital
€29k▲ 758%
2024 · €3k
2018: €-27k
2019: €-36k
2020: €-32k
2021: €-30k
2022: €-20k
2023: €-10k
2024: €3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€114k-€125k▲ 9.9%€135k▲ 8.2%€148k▲ 9.5%€174k▲ 17.0%
Operating result€12k-€14k▲ 14.8%€13k▼ 9.4%€52k▲ 305%€30k▼ 42.8%
Net result€9k-€11k▲ 19.2%€10k▼ 9.7%€13k▲ 26.1%€25k▲ 95.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €221k
Fixed assets
€145k=
Current assets
€76k▲ 218%
Equity and liabilities €221k
Equity
€174k▲ 17.0%
Debt
€47k▲ 130%
The debt ratio rises from 12.1% to 21.4%: debt grows faster than equity.
Key figures and ratios
Solvency
78.6%▼
2024 · 87.9%
Current ratio
1.60▲
2024 · 1.16
Quick ratio
1.28▲
2024 · 1.16
Debt / equity
0.27▲
2024 · 0.14
ROE
14.5%▲
2024 · 8.7%
ROA
11.4%▲
2024 · 7.6%
Debt
€47k▲
2024 · €20k
Debt ≤ 1 year
€47k▲
2024 · €20k
Income taxes
€12k▲
2024 · €1k
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€169k€221k▲
Fixed assets21/28€145k€145k=
Financial fixed assets28€145k€145k=
Current assets29/58€24k€76k▲
Stocks and contracts in progress3-€15k
Stocks30/36-€15k
Amounts receivable within one year40/41€23k€56k▲
Trade receivables40€23k€15k▼
Other amounts receivable41-€41k
Cash at bank and in hand54/58€744€5k▲
Equity and liabilities
Total equity and liabilities10/49€169k€221k▲
Equity10/15€148k€174k▲
Contributions10/11€8k€8k=
Reserves13€95k€121k▲
Distributable reserves133€95k€121k▲
Profit (loss) carried forward14€45k€45k=
Amounts payable17/49€20k€47k▲
Amounts payable within one year42/48€20k€47k▲
Current portion of amounts payable after more than one year42-€3k
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€14k€39k▲
Income statement
Code20242025
Other operating charges640/8-€2k
Gross operating margin9900€52k€32k▼
Operating profit (loss)9901€52k€30k▼
Financial income75/76B€7€15k▲
Recurring financial income75€7€15k▲
Financial charges65/66B€38k€8k▼
Recurring financial charges65€38k€8k▼
Profit (loss) for the period before taxes9903€14k€37k▲
Income taxes67/77€1k€12k▲
Profit (loss) for the period9904€13k€25k▲
Profit (loss) for the period to be appropriated9905€13k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€58k€70k▲
Profit (loss) brought forward from the previous period14P€45k€45k=
Transfer to equity691/2€13k€25k▲
To other reserves6921€13k€25k▲
The notes to these accounts (8 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 2018net €25k ▲95.6%
Net result €25k, the highest in the series.
31-12
Financial
Equity above €150kEq €174k ▲17%
6 profitable years in a row build equity to €174k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Liquidity times 8current ratio 1.16
Current ratio from 0.14 to 1.16.
16-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 47 days late
2023
11-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 42 days late
2022
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 74 days late
2021
04-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 96 days late
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €104k ▲12.2%
Equity rises from €93k to €104k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
16-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 35 days late
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, Menen · 1 establishment unit since 2005
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.
Ieperstraat 2038930 MenenGround area
310 m²
Building footprint
331 m²
Volume, LiDAR
1,605 m³
Parcel 34372A0326/00M014, Flanders · tallest building 11.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Xefi Menen
since 20052.150.542.062
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34372A0326/00M014 | Flanders | 310 m² | 1 · 331 m² | 10.9 m · 1 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
MAINSTAGE
BE 0883.805.701
Rixensart · Eq €174k
INFORMATIC4U
BE 0835.606.203
Watermaal-Bosvoorde · Eq €174k
PUYPE
BE 0433.520.219
Brugge · Eq €173k
CENTRUM VOOR INFORMATICAOPLEIDING
BE 0427.973.601
Antwerpen · Eq €174k
RGI
BE 0809.911.990
Retie · Eq €175k
Of 3,210 companies in sector 47400 we hold annual accounts for 1,795. 1,372 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2005
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.