J&F
ActiveJ&F has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €576k and a net result of €95k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 4577 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 and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-1
Solvency100▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 8.62 against 3.2 in 2024; short-term debt: 10% and cash: 59.9% of total assets), and 10% 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 · 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
90%
Return on assets
14.9%
Age of the figures
9 mo
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
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
19 d late
2023
17 d early
2022
31 d late
2021
13 d early
2020
37 d early
2019
5 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
€576k▲ 15.0%
2024 · €501k
2018: €331k
2019: €471k
2020: €366k
2021: €459k
2022: €506k
2023: €538k
2024: €501k
2018 → 2025
Total assets
€640k▼ 6.4%
2024 · €684k
2018: €350k
2019: €530k
2020: €545k
2021: €484k
2022: €570k
2023: €597k
2024: €684k
2018 → 2025
Net result
€95k▼ 7.2%
2024 · €103k
2018: €77k
2019: €140k
2020: €20k
2021: €102k
2022: €152k
2023: €109k
2024: €103k
2018 → 2025
Working capital
€490k▲ 21.4%
2024 · €403k
2018: €182k
2019: €332k
2020: €236k
2021: €340k
2022: €397k
2023: €433k
2024: €403k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€459k-€506k▲ 10.2%€538k▲ 6.3%€501k▼ 6.9%€576k▲ 15.0%
Operating result€143k-€217k▲ 51.5%€152k▼ 29.8%€144k▼ 5.4%€134k▼ 7.4%
Net result€102k-€152k▲ 48.9%€109k▼ 28.5%€103k▼ 5.7%€95k▼ 7.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 7% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €640k
Fixed assets
€86k▼ 11.4%
Current assets
€554k▼ 5.6%
Equity and liabilities €640k
Equity
€576k▲ 15.0%
Debt
€64k▼ 64.9%
The debt ratio falls from 26.8% to 10.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€146k▼
2024 · €156k
Cash flow
€108k▼
2024 · €114k
Solvency
90.0%▲
2024 · 73.2%
Current ratio
8.62▲
2024 · 3.20
Quick ratio
8.62▲
2024 · 3.20
Debt / equity
0.11▼
2024 · 0.37
ROE
16.5%▼
2024 · 20.5%
ROA
14.9%▼
2024 · 15.0%
Interest coverage
896.98▼
2024 · 3465.31
Debt
€64k▼
2024 · €183k
Debt ≤ 1 year
€64k▼
2024 · €183k
Income taxes
€38k▼
2024 · €41k
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€684k€640k▼
Fixed assets21/28€97k€86k▼
Tangible fixed assets22/27€97k€86k▼
Land and buildings22€90k€80k▼
Furniture and vehicles24€8k€6k▼
Current assets29/58€587k€554k▼
Amounts receivable within one year40/41€100k€170k▲
Trade receivables40€91k€157k▲
Other amounts receivable41€10k€13k▲
Cash at bank and in hand54/58€486k€383k▼
Deferred charges and accrued income490/1€94€99▲
Equity and liabilities
Total equity and liabilities10/49€684k€640k▼
Equity10/15€501k€576k▲
Contributions10/11€13k€13k=
Reserves13€488k€563k▲
Distributable reserves133€488k€563k▲
Amounts payable17/49€183k€64k▼
Amounts payable within one year42/48€183k€64k▼
Trade debts44€810€197▼
Suppliers440/4€810€197▼
Taxes, remuneration and social security45€12k€12k▼
Taxes450/3€12k€12k▼
Other amounts payable47/48€170k€52k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€157k€147k▼
Operating profit (loss)9901€144k€134k▼
Financial income75/76B-€44
Recurring financial income75-€44
Financial charges65/66B€45€163▲
Recurring financial charges65€45€163▲
Profit (loss) for the period before taxes9903€144k€133k▼
Income taxes67/77€41k€38k▼
Profit (loss) for the period9904€103k€95k▼
Profit (loss) for the period to be appropriated9905€103k€95k▼
Appropriation of the result
Profit (loss) to be appropriated9906€103k€95k▼
Transfer from equity791/2€140k€20k▼
Transfer to equity691/2€103k€95k▼
To other reserves6921€103k€95k▼
Profit to be distributed694/7€140k€20k▼
Return on contributions (dividend)694€140k€20k▼
The notes to these accounts (5 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 8.62
Current ratio from 3.20 to 8.62; short-term debt falls from €183k to €64k.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
14-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €152k ▲48.9%
Operating result €217k, net result €152k, both a record.
31-12
Financial
Equity above €500kEq €506k ▲10.2%
5 profitable years in a row build equity to €506k.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 6current ratio 14.85
Current ratio from 2.32 to 14.85; short-term debt falls from €179k to €25k.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €20k ▼85.6%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
26-07
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
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Kaprijke · 1 establishment unit since 2011
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.
Rysselhofstraat 179970 KaprijkeGround area
3,908 m²
Building footprint
186 m²
Volume, LiDAR
989 m³
Parcel 43007A0583/00C000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J&F
since 20112.199.989.197
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43007A0583/00C000 | Flanders | 3,908 m² | 1 · 186 m² | 7.1 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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Of 7,009 companies in sector 96999 we hold annual accounts for 602. 294 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-05-2011
Fiscal year end31-12
Activities, NACEBEL
96999Other personal services
70200Business and other management consultancy
70220Business consulting
82990Other business support services
90202Performing arts by artistic ensembles
93199Other sports activities
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.