J.K.
ActiveJ.K. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €275k and a net result of €68k. Equity is growing by ~70% per year across the filed fiscal years. Its solvency ranks better than 44% of 5491 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 01-07-2026, 30 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
30 d early
2024
38 d early
2023
44 d early
2022
7 d early
2021
36 d early
2020
36 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€275k▲ 32.3%
2024 · €208k
2020: €25k
2021: €32k
2022: €72k
2023: €138k
2024: €208k
2020 → 2025
Net result
€68k▼ 4.0%
2024 · €71k
2020: €-129
2021: €7k
2022: €42k
2023: €67k
2024: €71k
2020 → 2025
Total assets
€609k▲ 0.2%
2024 · €607k
2020: €623k
2021: €614k
2022: €617k
2023: €625k
2024: €607k
2020 → 2025
Solvency
45.1%▲ 10.9pp
2024 · 34.2%
2020: 4.0%
2021: 5.1%
2022: 11.6%
2023: 22.1%
2024: 34.2%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€72k▲ 127%€138k▲ 91.9%€208k▲ 50.7%€275k▲ 32.3%
Operating result€15k-€62k▲ 307%€97k▲ 54.7%€93k▼ 3.3%€82k▼ 11.8%
Net result€7k-€42k▲ 520%€67k▲ 59.8%€71k▲ 5.8%€68k▼ 4.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €609k
Fixed assets
€600k=
Current assets
€9k▲ 18.5%
Equity and liabilities €609k
Equity
€275k▲ 32.3%
Debt
€334k▼ 16.4%
The debt ratio falls from 65.8% to 54.9%: equity grows while debt is paid down.
Key figures and ratios
Solvency
45.1%▲
2024 · 34.2%
ROE
24.7%▼
2024 · 34.0%
ROA
11.1%▼
2024 · 11.6%
Debt
€334k▼
2024 · €400k
Debt ≤ 1 year
€83k▲
2024 · €83k
Debt > 1 year
€251k▼
2024 · €317k
Income taxes
€11k▼
2024 · €18k
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€607k€609k▲
Fixed assets21/28€600k€600k=
Financial fixed assets28€600k€600k=
Current assets29/58€7k€9k▲
Amounts receivable within one year40/41€0€247▲
Trade receivables40€0-
Other amounts receivable41-€247
Cash at bank and in hand54/58€7k€9k▲
Equity and liabilities
Total equity and liabilities10/49€607k€609k▲
Equity10/15€208k€275k▲
Contributions10/11€25k€25k=
Reserves13€182k€249k▲
Distributable reserves133€182k€249k▲
Profit (loss) carried forward14€787€819▲
Amounts payable17/49€400k€334k▼
Amounts payable after more than one year17€317k€251k▼
Financial debts170/4€317k€251k▼
Amounts payable within one year42/48€83k€83k▲
Current portion of amounts payable after more than one year42€65k€66k▲
Trade debts44€635€3k▲
Suppliers440/4€635€3k▲
Taxes, remuneration and social security45€16k€11k▼
Taxes450/3€14k€7k▼
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€1k€3k▲
Income statement
Code20242025
Other operating charges640/8€528€544▲
Gross operating margin9900€94k€83k▼
Operating profit (loss)9901€93k€82k▼
Financial income75/76B€0€8▲
Recurring financial income75€0€8▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€89k€79k▼
Income taxes67/77€18k€11k▼
Profit (loss) for the period9904€71k€68k▼
Profit (loss) for the period to be appropriated9905€71k€68k▼
Appropriation of the result
Profit (loss) to be appropriated9906€72k€69k▼
Profit (loss) brought forward from the previous period14P€892€787▼
Transfer to equity691/2€70k€67k▼
To other reserves6921€70k€67k▼
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
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
11-09
State Gazette act
General meeting · MergerGeneral meeting · Merger · Dissolution5 facts ▸
State Gazette act
General meeting · Merger
General meeting · Merger · Dissolution5 facts ▸
- General meeting, 2026-08-05
- Merger, absorption, 2026-08-05
- Dissolution, 2026-08-05
- Power of attorney, Titeca Pro Accountants & Experts Oostende
- Merger, alle aandelen van de overgenomen vennootschap in het bezit zijn van de overnemende vennootschap
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2020net €71k ▲5.8%
Net result €71k, the highest in the series.
31-12
Financial
Equity above €200kEq €208k ▲50.7%
4 profitable years in a row build equity to €208k.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €100kEq €138k ▲91.9%
3 profitable years in a row build equity to €138k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Zwalm · 1 establishment unit since 2019
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.
Gaverbosdreef(SML) 259630 ZwalmGround area
1,764 m²
Building footprint
607 m²
Volume, LiDAR
3,403 m³
Parcel 45027A0029/00F000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J.K.
since 20192.297.539.228
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45027A0029/00F000 | Flanders | 1,764 m² | 1 · 607 m² | 9.1 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.
Structure & network
Acquisitions and mergers
1 transactionTook over:Zwalmkoets
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,665 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.