J & E
ActiveJ & E has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €7k. Equity is growing by ~25.8% per year across the filed fiscal years. Its solvency ranks better than 88% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+34
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 4.67 against 7.28 in 2024), and 19.1% 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
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 · 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
80.9%
Return on assets
16.1%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
31 d early
2024
13 d early
2023
8 d early
2022
54 d late
2021
37 d early
2020
36 d early
2019
32 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▲ 24.9%
2024 · €29k
2018: €-7k
2019: €-13k
2020: €-3k
2021: €28k
2022: €32k
2023: €25k
2024: €29k
2018 → 2025
Total assets
€45k▲ 34.8%
2024 · €33k
2018: €54k
2019: €67k
2020: €61k
2021: €82k
2022: €42k
2023: €28k
2024: €33k
2018 → 2025
Net result
€7k▲ 89.0%
2024 · €4k
2018: €-25k
2019: €-6k
2020: €11k
2021: €30k
2022: €4k
2023: €-7k
2024: €4k
2018 → 2025
Working capital
€31k▲ 18.4%
2024 · €26k
2018: €-10k
2019: €-16k
2020: €-26k
2021: €7k
2022: €15k
2023: €20k
2024: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€32k▲ 14.6%€25k▼ 21.2%€29k▲ 15.2%€36k▲ 24.9%
Operating result€33k-€5k▼ 83.8%€-6k€5k€10k▲ 119%
Net result€30k-€4k▼ 86.6%€-7k€4k€7k▲ 89.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 119% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€5k▲ 92.4%
Current assets
€40k▲ 30.0%
Equity and liabilities €45k
Equity
€36k▲ 24.9%
Debt
€9k▲ 103%
The debt ratio rises from 12.7% to 19.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€12k▲
2024 · €8k
Cash flow
€8k▲
2024 · €7k
Solvency
80.9%▼
2024 · 87.3%
Current ratio
4.67▼
2024 · 7.28
Quick ratio
3.99▼
2024 · 6.11
Debt / equity
0.24▲
2024 · 0.15
ROE
19.9%▲
2024 · 13.2%
ROA
16.1%▲
2024 · 11.5%
Interest coverage
4.67▼
2024 · 9.61
Debt
€9k▲
2024 · €4k
Debt ≤ 1 year
€9k▲
2024 · €4k
Income taxes
€969▲
2024 · €152
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€33k€45k▲
Fixed assets21/28€3k€5k▲
Tangible fixed assets22/27€2k€4k▲
Land and buildings22€954€4k▲
Plant, machinery and equipment23€847€63▼
Furniture and vehicles24€44€0▼
Financial fixed assets28€700€700=
Current assets29/58€31k€40k▲
Stocks and contracts in progress3€5k€6k▲
Stocks30/36€5k€6k▲
Amounts receivable within one year40/41€3k€11k▲
Trade receivables40€969€1k▲
Other amounts receivable41€2k€9k▲
Cash at bank and in hand54/58€19k€21k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€33k€45k▲
Equity10/15€29k€36k▲
Contributions10/11€12k€12k=
Reserves13€282€7k▲
Non-distributable reserves130/1€282€282=
Reserves not available under the articles1311€282€282=
Distributable reserves133-€7k
Profit (loss) carried forward14€16k€16k▲
Amounts payable17/49€4k€9k▲
Amounts payable within one year42/48€4k€9k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Advances received on contracts in progress46€385€0▼
Taxes, remuneration and social security45€2k€7k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9-€4k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€9k€13k▲
Operating profit (loss)9901€5k€10k▲
Financial income75/76B€1€247▲
Recurring financial income75€1€247▲
Financial charges65/66B€788€3k▲
Recurring financial charges65€788€3k▲
Profit (loss) for the period before taxes9903€4k€8k▲
Income taxes67/77€152€969▲
Profit (loss) for the period9904€4k€7k▲
Profit (loss) for the period to be appropriated9905€4k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€24k▲
Profit (loss) brought forward from the previous period14P€13k€16k▲
Transfer to equity691/2-€7k
To other reserves6921-€7k
The notes to these accounts (9 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 8.29
Current ratio from 2.45 to 8.29; short-term debt falls from €10k to €3k.
23-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 54 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 2.45
Current ratio from 1.12 to 2.45; short-term debt falls from €54k to €10k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €30k ▲187%
Operating result €33k, net result €30k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Truiden · 1 establishment unit since 2017
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.
Hyacintstraat 83800 Sint-TruidenGround area
351 m²
Building footprint
109 m²
Volume, LiDAR
466 m³
Parcel 71053G0485/00V000, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
J&E BVBA
since 20172.263.321.289
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71053G0485/00V000 | Flanders | 351 m² | 1 · 109 m² | 7.5 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.
Recognitions · licences · registrations
Dual-learning approval
4 endedSimilar companies · same sector, comparable size
GERARD COLSON
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SEGIFI
BE 0538.474.615
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NBLC INVEST
BE 0656.831.837
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SENAT
BE 0770.919.079
Mol · Eq €37k
Al Noor
BE 0433.215.460
Antwerpen · Eq €37k
Of 1,262 companies in sector 47300 we hold annual accounts for 946. 653 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-03-2017
Fiscal year end31-12
Activities, NACEBEL
47300Retail sale of automotive fuel
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.