J&F
ActiveThe computed 12-month bankruptcy probability of J&F is 1.9% (moderate). The 2025 annual accounts show equity of €113k and a net result of €37k. Its solvency ranks better than 53% of 27450 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability89
Solvency75
Growth-
Track record79
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.08; short-term debt: 31.9% and cash: 36.9% of total assets), but 50.2% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
49.8%
Return on assets
16.4%
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 08-07-2026, 23 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
23 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€113k
Total assets
€228k
Net result
€37k
Working capital
€78k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €228k
Fixed assets
€77k
Current assets
€151k
Equity and liabilities €228k
Equity
€113k
Debt
€114k
Debt finances 50.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€87k
Cash flow
€63k
Solvency
49.8%
Current ratio
2.08
Quick ratio
2.01
Debt / equity
1.01
ROE
32.9%
ROA
16.4%
Interest coverage
10.65
Debt
€114k
Debt ≤ 1 year
€73k
Debt > 1 year
€39k
Income taxes
€17k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€228k
Fixed assets21/28€77k
Tangible fixed assets22/27€75k
Plant, machinery and equipment23€6k
Furniture and vehicles24€69k
Financial fixed assets28€2k
Current assets29/58€151k
Stocks and contracts in progress3€5k
Stocks30/36€5k
Amounts receivable within one year40/41€61k
Trade receivables40€39k
Other amounts receivable41€22k
Cash at bank and in hand54/58€84k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€228k
Equity10/15€113k
Contributions10/11€1k
Reserves13€112k
Distributable reserves133€112k
Amounts payable17/49€114k
Amounts payable after more than one year17€39k
Financial debts170/4€39k
Amounts payable within one year42/48€73k
Current portion of amounts payable after more than one year42€16k
Trade debts44€19k
Suppliers440/4€19k
Taxes, remuneration and social security45€3k
Taxes450/3€3k
Remuneration and social security454/9€84
Other amounts payable47/48€35k
Accrued charges and deferred income492/3€2k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k
Other operating charges640/8€910
Non-recurring operating charges66A€131
Gross operating margin9900€88k
Operating profit (loss)9901€62k
Financial income75/76B€910
Recurring financial income75€910
Financial charges65/66B€8k
Recurring financial charges65€8k
Profit (loss) for the period before taxes9903€55k
Income taxes67/77€17k
Profit (loss) for the period9904€37k
Profit (loss) for the period to be appropriated9905€37k
Appropriation of the result
Profit (loss) to be appropriated9906€37k
Transfer to equity691/2€36k
To other reserves6921€36k
Profit to be distributed694/7€2k
Return on contributions (dividend)694€2k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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 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.
Druifstraat 319000 GentGround area
153 m²
Building footprint
89 m²
Volume, LiDAR
484 m³
Parcel 44816K0822/00H003, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J&F
since 20202.309.832.096
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44816K0822/00H003 | Flanders | 153 m² | 1 · 89 m² | 6.6 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
DD MONTAGE
BE 0775.938.137
Aarschot · Eq €113k
DAKWERKEN M & D
BE 0536.451.570
Overijse · Eq €113k
DNM CONSTRUCT
BE 0787.224.284
Gent · Eq €113k
DONZO
BE 1018.667.472
Merelbeke-Melle · Eq €113k
ADN TOITURE SYSTÈME
BE 0777.645.634
Oreye · Eq €113k
Of 8,558 companies in sector 43410 we hold annual accounts for 4,350. 3,792 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-09-2020
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.