J&E
ActiveJ&E has been active since 2020 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2025 annual accounts show equity of €99k and a net result of €41k. Equity is growing by ~86.4% per year across the filed fiscal years. Its solvency ranks better than 63% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
92
/ 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
Profitability100=
Solvency93▲+9
Growth78=
Track record86
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.89 against 2.36 in 2024; short-term debt: 31.6% and cash: 41.8% of total assets), and 31.6% 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
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
68.4%
Return on assets
28.5%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 26-11-2025, 26 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 · 4 filingsDeviation from the deadline
2025
26 d late
2024
390 d late
2023
756 d late
2022
1121 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Strikeout withdrawn
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€99k▲ 71.3%
2024 · €58k
2022: €-1k
2023: €22k
2024: €58k
2022 → 2025
Total assets
€145k▲ 47.2%
2024 · €98k
2022: €64k
2023: €52k
2024: €98k
2022 → 2025
Net result
€41k▲ 15.7%
2024 · €36k
2022: €-16k
2023: €24k
2024: €36k
2022 → 2025
Working capital
€86k▲ 56.6%
2024 · €55k
2022: €-6k
2023: €19k
2024: €55k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-1k-€22k€58k▲ 161%€99k▲ 71.3%
Operating result€-1k-€39k€33k▼ 13.5%€55k▲ 64.5%
Net result€-16k-€24k€36k▲ 51.0%€41k▲ 15.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 65% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €145k
Fixed assets
€12k▲ 395%
Current assets
€132k▲ 38.0%
Equity and liabilities €145k
Equity
€99k▲ 71.3%
Debt
€46k▲ 12.8%
The debt ratio falls from 41.3% to 31.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€58k▲
2024 · €34k
Cash flow
€44k▲
2024 · €37k
Solvency
68.4%▲
2024 · 58.7%
Current ratio
2.89▲
2024 · 2.36
Quick ratio
2.89▲
2024 · 2.36
Debt / equity
0.46▼
2024 · 0.70
ROE
41.6%▼
2024 · 61.7%
ROA
28.5%▼
2024 · 36.2%
Interest coverage
27.01▼
2024 · 682.32
Debt
€46k▲
2024 · €41k
Debt ≤ 1 year
€46k▲
2024 · €41k
Income taxes
€12k▲
2024 · €-2k
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€98k€145k▲
Fixed assets21/28€3k€12k▲
Tangible fixed assets22/27€2k€12k▲
Land and buildings22€2k€1k▼
Other tangible fixed assets26-€11k
Financial fixed assets28€55€55=
Current assets29/58€96k€132k▲
Amounts receivable within one year40/41€50k€72k▲
Trade receivables40€28k€40k▲
Other amounts receivable41€22k€32k▲
Cash at bank and in hand54/58€46k€60k▲
Equity and liabilities
Total equity and liabilities10/49€98k€145k▲
Equity10/15€58k€99k▲
Contributions10/11€15k€15k=
Reserves13€2k€84k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133-€84k
Profit (loss) carried forward14€41k-
Amounts payable17/49€41k€46k▲
Amounts payable within one year42/48€41k€46k▲
Trade debts44€31k€13k▼
Suppliers440/4€31k€13k▼
Taxes, remuneration and social security45€8k€33k▲
Taxes450/3€8k€19k▲
Remuneration and social security454/9-€14k
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€599€1k▲
Gross operating margin9900€35k€59k▲
Operating profit (loss)9901€33k€55k▲
Financial charges65/66B€51€2k▲
Recurring financial charges65€51€2k▲
Profit (loss) for the period before taxes9903€33k€53k▲
Income taxes67/77€-2k€12k▲
Profit (loss) for the period9904€36k€41k▲
Profit (loss) for the period to be appropriated9905€36k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€82k▲
Profit (loss) brought forward from the previous period14P€6k€41k▲
Transfer to equity691/2-€82k
To other reserves6921-€82k
The notes to these accounts (6 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
2025
12-12
KBO administration
Strikeout withdrawn
26-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
25-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 390 days late
25-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 756 days late
25-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1121 days late
31-03
Financial
Highest result since 2022net €41k ▲15.7%
Operating result €55k, net result €41k, both a record.
2023
31-03
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lendelede · 1 establishment unit since 2020
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.
Meikapelstraat 80B8860 LendeledeGround area
1,075 m²
Building footprint
185 m²
Volume, LiDAR
1,083 m³
Parcel 34025B0644/00F000, Flanders · tallest building 31.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J&E
since 20202.310.745.876
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34025B0644/00F000 | Flanders | 1,075 m² | 1 · 185 m² | 31.4 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.
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ENAME EXPERTISECENTRUM VOOR ERFGOEDONTSLUITING
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BE 0794.276.778
Knokke-Heist · Eq €99k
Of 5,696 companies in sector 70100 we hold annual accounts for 3,489. 2,279 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2020
Fiscal year end31-03
Activities, NACEBEL
70100Activities of head offices
62020IT consultancy
62200Computer consultancy and computer facilities management
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.