J&E Art & Research
ActiveJ&E Art & Research has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €246k and a net result of €160k. Equity is growing by ~51.7% per year across the filed fiscal years. Its solvency ranks better than 48% of 1897 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency79▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.69 in 2024; short-term debt: 46.1% and cash: 56.5% of total assets), and 46.5% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← 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
53.5%
Return on assets
34.8%
Age of the figures
9 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 10-07-2026, 21 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
21 d early
2024
9 d early
2023
8 d early
2022
6 d early
2021
31 d early
2020
8 d early
2019
18 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€246k▲ 0.3%
2024 · €245k
2018: €20k
2019: €31k
2020: €28k
2021: €68k
2022: €171k
2023: €193k
2024: €245k
2018 → 2025
Total assets
€460k▲ 12.5%
2024 · €408k
2018: €283k
2019: €286k
2020: €264k
2021: €326k
2022: €403k
2023: €403k
2024: €408k
2018 → 2025
Net result
€160k▼ 5.9%
2024 · €170k
2018: €138
2019: €10k
2020: €-2k
2021: €64k
2022: €103k
2023: €72k
2024: €170k
2018 → 2025
Working capital
€122k▲ 10.0%
2024 · €111k
2018: €-26
2019: €16k
2020: €15k
2021: €60k
2022: €168k
2023: €119k
2024: €111k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€171k▲ 152%€193k▲ 13.0%€245k▲ 26.9%€246k▲ 0.3%
Operating result€89k-€151k▲ 69.5%€110k▼ 27.2%€238k▲ 117%€221k▼ 7.2%
Net result€64k-€103k▲ 61.6%€72k▼ 30.0%€170k▲ 135%€160k▼ 5.9%
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 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €460k
Fixed assets
€125k▼ 8.1%
Current assets
€334k▲ 22.9%
Equity and liabilities €460k
Equity
€246k▲ 0.3%
Debt
€214k▲ 30.9%
The debt ratio rises from 39.9% to 46.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€232k▼
2024 · €249k
Cash flow
€171k▼
2024 · €181k
Solvency
53.5%▼
2024 · 60.1%
Current ratio
1.58▼
2024 · 1.69
Quick ratio
1.58▼
2024 · 1.69
Debt / equity
0.87▲
2024 · 0.67
ROE
64.9%▼
2024 · 69.2%
ROA
34.8%▼
2024 · 41.5%
Interest coverage
125.47▲
2024 · 56.70
Debt
€214k▲
2024 · €163k
Debt ≤ 1 year
€212k▲
2024 · €161k
Income taxes
€60k▼
2024 · €64k
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€408k€460k▲
Fixed assets21/28€137k€125k▼
Tangible fixed assets22/27€137k€125k▼
Land and buildings22€137k€125k▼
Current assets29/58€272k€334k▲
Amounts receivable within one year40/41€39k€63k▲
Trade receivables40€39k€63k▲
Other amounts receivable41-€272
Cash at bank and in hand54/58€220k€260k▲
Deferred charges and accrued income490/1€13k€11k▼
Equity and liabilities
Total equity and liabilities10/49€408k€460k▲
Equity10/15€245k€246k▲
Contributions10/11€20k€20k=
Reserves13€222k€222k=
Distributable reserves133€222k€222k=
Profit (loss) carried forward14€3k€4k▲
Amounts payable17/49€163k€214k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€161k€212k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€809€2k▲
Credit institutions430/8€809€2k▲
Trade debts44€4k€17k▲
Suppliers440/4€4k€17k▲
Taxes, remuneration and social security45€14k€10k▼
Taxes450/3€14k€10k▼
Other amounts payable47/48€142k€183k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€252k€234k▼
Operating profit (loss)9901€238k€221k▼
Financial income75/76B€43€0▼
Recurring financial income75€43€0▼
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€234k€219k▼
Income taxes67/77€64k€60k▼
Profit (loss) for the period9904€170k€160k▼
Profit (loss) for the period to be appropriated9905€170k€160k▼
Appropriation of the result
Profit (loss) to be appropriated9906€171k€163k▼
Profit (loss) brought forward from the previous period14P€1k€3k▲
Transfer to equity691/2€50k€0▼
To other reserves6921€50k€0▼
Profit to be distributed694/7€118k€159k▲
Return on contributions (dividend)694€118k€159k▲
The notes to these accounts (15 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €170k ▲135%
Operating result €238k, net result €170k, both a record.
31-12
Financial
Equity above €200kEq €245k ▲26.9%
4 profitable years in a row build equity to €245k.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €171k ▲152%
2 profitable years in a row build equity to €171k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €64k
Net result €64k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-2k ▼123%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
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, Gent · 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.
Hondelee 649052 GentGround area
650 m²
Building footprint
103 m²
Parcel 44082C1051/00A000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
J&E Art & Research
since 20172.264.939.904
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44082C1051/00A000 | Flanders | 650 m² | 1 · 103 m² | 0.1 m |
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
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SERENGETTI
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Of 3,152 companies in sector 63920 we hold annual accounts for 1,522. 1,141 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-05-2017
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
72101Research and development on biotechnology
72109Other research and development on natural sciences
73300Public relations and communication consultancy
86901Human health activities
86910Medical imaging and medical laboratories
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.