J & J
ActiveSummary
The computed 12-month bankruptcy probability of J & J is 2.3% (moderate). The 2025 annual accounts show equity of €286k and a net result of €44k. Equity is growing by ~16.2% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+24
Solvency86▲+8
Growth78=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 0.84 in 2024; short-term debt: 14.9% of total assets), and 39.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
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
60.5%
Return on assets
9.4%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 d early
2024
16 d early
2023
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€286k▲ 18.3%
2024 · €242k
2023: €208k
2024: €242k
2023 → 2025
Total assets
€472k▲ 3.5%
2024 · €456k
2023: €464k
2024: €456k
2023 → 2025
Net result
€44k▲ 29.7%
2024 · €34k
2023: €33k
2024: €34k
2023 → 2025
Working capital
€1k
2024 · €-11k
2023: €-901
2024: €-11k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€208k-€242k▲ 16.4%€286k▲ 18.3%
Operating result€55k-€55k▼ 0.9%€67k▲ 22.5%
Net result€33k-€34k▲ 4.8%€44k▲ 29.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 22% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €472k
Fixed assets
€401k ▲ 0.2%
Current assets
€71k ▲ 26.6%
Equity and liabilities €472k
Equity
€286k ▲ 18.3%
Debt
€186k ▼ 13.3%
Debt's share of the balance-sheet total falls from 47.1% to 39.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€67k
Cash flow
€44k
Current ratio
1.01▲
2024 · 0.84
Debt to equity
0.65▼
2024 · 0.89
ROE
15.5%▲
2024 · 14.1%
ROA
9.4%▲
2024 · 7.5%
Interest coverage
8.84
Debt ≤ 1 year
€70k▲
2024 · €67k
Debt > 1 year
€111k▼
2024 · €144k
Income taxes
€15k▲
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€456k€472k▲
Fixed assets21/28€400k€401k▲
Tangible fixed assets22/27-€774
Furniture and vehicles24-€774
Financial fixed assets28€400k€400k=
Current assets29/58€56k€71k▲
Amounts receivable within one year40/41€494-
Other amounts receivable41€494-
Current investments50/53€56k€71k▲
Deferred charges and accrued income490/1€124€55▼
Equity and liabilities
Total equity and liabilities10/49€456k€472k▲
Equity10/15€242k€286k▲
Contributions10/11€175k€175k=
Profit (loss) carried forward14€67k€111k▲
Amounts payable17/49€215k€186k▼
Amounts payable after more than one year17€144k€111k▼
Financial debts170/4€144k€111k▼
Amounts payable within one year42/48€67k€70k▲
Current portion of amounts payable after more than one year42€32k€34k▲
Trade debts44€8k€10k▲
Suppliers440/4€8k€10k▲
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€5k▼
Other amounts payable47/48€21k€22k▲
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€53
Other operating charges640/8€209€216▲
Gross operating margin9900€55k€67k▲
Operating profit (loss)9901€55k€67k▲
Financial income75/76B€12-
Recurring financial income75€12-
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€46k€59k▲
Income taxes67/77€12k€15k▲
Profit (loss) for the period9904€34k€44k▲
Profit (loss) for the period to be appropriated9905€34k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€111k▲
Profit (loss) brought forward from the previous period14P€33k€67k▲
The notes to these accounts (9 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2023net €44k ▲29.7%
Operating result €67k, net result €44k, both a record.
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated 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, Ninove · 1 establishment unit since 2022
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.
Brakelsesteenweg(Voo) 6789400 NinoveGround area
1,102 m²
Building footprint
201 m²
Volume, LiDAR
952 m³
Parcel 41073A0123/00C000, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
J & J
since 20222.326.227.967
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41073A0123/00C000 | Flanders | 1,102 m² | 1 · 201 m² | 8.6 m · 1 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2022
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.