J.J.
ActiveJ.J. has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €193. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-30
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 38.04 against 12.53 in 2024; short-term debt: 2.6% and cash: 51.4% of total assets), and 2.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
97.4%
Return on assets
0.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
31 d early
2023
30 d late
2022
31 d early
2021
32 d early
2020
31 d early
2019
29 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€71k▲ 0.3%
2024 · €71k
2018: €16k
2019: €25k
2020: €27k
2021: €46k
2022: €63k
2023: €70k
2024: €71k
2018 → 2025
Total assets
€73k▼ 5.3%
2024 · €77k
2018: €21k
2019: €27k
2020: €28k
2021: €47k
2022: €71k
2023: €72k
2024: €77k
2018 → 2025
Net result
€193▼ 73.5%
2024 · €727
2018: €3k
2019: €9k
2020: €2k
2021: €19k
2022: €16k
2023: €7k
2024: €727
2018 → 2025
Working capital
€70k▼ 0.6%
2024 · €71k
2018: €16k
2019: €25k
2020: €27k
2021: €43k
2022: €61k
2023: €69k
2024: €71k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€63k▲ 35.3%€70k▲ 11.1%€71k▲ 1.0%€71k▲ 0.3%
Operating result€19k-€18k▼ 6.1%€7k▼ 60.1%€94▼ 98.7%€-13
Net result€19k-€16k▼ 13.9%€7k▼ 57.4%€727▼ 89.6%€193▼ 73.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €13 after €94 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73k
Fixed assets
€636
Current assets
€72k
Equity and liabilities €73k
Equity
€71k▲ 0.3%
Debt
€2k▼ 69.1%
The debt ratio falls from 8.0% to 2.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€206▼
2024 · €768
Cash flow
€411▼
2024 · €1k
Solvency
97.4%▲
2024 · 92.0%
Current ratio
38.04▲
2024 · 12.53
Quick ratio
38.04▲
2024 · 12.53
Debt / equity
0.03▼
2024 · 0.09
ROE
0.3%▼
2024 · 1.0%
ROA
0.3%▼
2024 · 0.9%
Interest coverage
1.08▼
2024 · 4.61
Debt
€2k▼
2024 · €6k
Debt ≤ 1 year
€2k▼
2024 · €6k
Income taxes
€870▲
2024 · €316
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€77k€73k▼
Fixed assets21/28-€636
Tangible fixed assets22/27-€636
Furniture and vehicles24-€636
Current assets29/58€77k€72k▼
Amounts receivable within one year40/41€32k€33k▲
Trade receivables40€7k€4k▼
Other amounts receivable41€25k€29k▲
Cash at bank and in hand54/58€44k€37k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€77k€73k▼
Equity10/15€71k€71k▲
Contributions10/11€6k€6k=
Reserves13€39k€39k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€37k€37k=
Profit (loss) carried forward14€25k€25k▲
Amounts payable17/49€6k€2k▼
Amounts payable within one year42/48€6k€2k▼
Trade debts44€5k€1k▼
Suppliers440/4€5k€1k▼
Taxes, remuneration and social security45€1k€870▼
Taxes450/3€1k€870▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€674€219▼
Other operating charges640/8€494€564▲
Gross operating margin9900€1k€770▼
Operating profit (loss)9901€94€-13▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€167€190▲
Recurring financial charges65€167€190▲
Profit (loss) for the period before taxes9903€1k€1k▲
Income taxes67/77€316€870▲
Profit (loss) for the period9904€727€193▼
Profit (loss) for the period to be appropriated9905€727€193▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€25k▲
Profit (loss) brought forward from the previous period14P€25k€25k▲
The notes to these accounts (10 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet €193 ▼73.5%
Net result drops to €193, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 38.04
Current ratio from 12.53 to 38.04; short-term debt falls from €6k to €2k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 30.81
Current ratio from 8.62 to 30.81; short-term debt falls from €8k to €2k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €19k ▲818%
Operating result €19k, net result €19k, both a record.
31-12
Financial
Liquidity times 10current ratio 923.48
Current ratio from 92.09 to 923.48; short-term debt falls from €301 to €47.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity times 6current ratio 92.09
Current ratio from 15.11 to 92.09; short-term debt falls from €2k to €301.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity quadruplescurrent ratio 15.11
Current ratio from 4.02 to 15.11; short-term debt falls from €5k to €2k.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
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
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, Ukkel · 1 establishment unit since 1991
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.
Geleytsbeekstraat 2121180 UkkelGround area
184 m²
Building footprint
89 m²
Volume, LiDAR
552 m³
Parcel 21614E0218/00S002, Brussels · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Geleytsbeekstraat 212, 1180 Ukkel
since 19912.055.102.178
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614E0218/00S002 | Brussels | 184 m² | 1 · 89 m² | 10.3 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 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,968 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-1991
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.