J.L.
ActiveJ.L. has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.53M and a net result of €483k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 7971 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €320k at 30 days acceptable
Liquidity ample (current ratio 19.53 against 21.15 in 2024; short-term debt: 4.9% and cash: 44.2% of total assets), and 5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
95%
Return on assets
13%
Age of the figures
15 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
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 →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-01-2026, 12 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
12 d early
2024
18 d early
2023
7 d early
2022
6 d early
2021
on the day
2020
2 d early
2019
17 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.53M▲ 15.9%
2024 · €3.05M
2019: €1.44M
2020: €1.71M
2021: €2.04M
2022: €2.18M
2023: €2.63M
2024: €3.05M
2019 → 2025
Total assets
€3.72M▲ 16.3%
2024 · €3.20M
2019: €1.76M
2020: €1.84M
2021: €2.18M
2022: €2.44M
2023: €2.84M
2024: €3.20M
2019 → 2025
Net result
€483k▼ 8.3%
2024 · €527k
2019: €343k
2020: €268k
2021: €332k
2022: €511k
2023: €601k
2024: €527k
2019 → 2025
Working capital
€3.39M▲ 17.6%
2024 · €2.88M
2019: €1.39M
2020: €1.63M
2021: €1.98M
2022: €2.15M
2023: €2.55M
2024: €2.88M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.04M-€2.18M▲ 7.0%€2.63M▲ 20.4%€3.05M▲ 15.9%€3.53M▲ 15.9%
Operating result€472k-€732k▲ 55.1%€881k▲ 20.4%€730k▼ 17.2%€672k▼ 8.0%
Net result€332k-€511k▲ 54.0%€601k▲ 17.4%€527k▼ 12.2%€483k▼ 8.3%
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 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.72M
Fixed assets
€146k▼ 14.9%
Current assets
€3.57M▲ 18.1%
Equity and liabilities €3.72M
Equity
€3.53M▲ 15.9%
Debt
€187k▲ 25.3%
The debt ratio rises from 4.7% to 5.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€698k▼
2024 · €749k
Cash flow
€510k▼
2024 · €547k
Solvency
95.0%▼
2024 · 95.3%
Current ratio
19.53▼
2024 · 21.15
Quick ratio
19.15▼
2024 · 20.66
Debt / equity
0.05▲
2024 · 0.05
ROE
13.7%▼
2024 · 17.3%
ROA
13.0%▼
2024 · 16.5%
Interest coverage
25.80▲
2024 · 22.77
Debt
€187k▲
2024 · €149k
Debt ≤ 1 year
€183k▲
2024 · €143k
Income taxes
€232k▲
2024 · €226k
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€3.20M€3.72M▲
Fixed assets21/28€172k€146k▼
Tangible fixed assets22/27€172k€146k▼
Land and buildings22€21k€19k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€151k€127k▼
Current assets29/58€3.02M€3.57M▲
Stocks and contracts in progress3€69k€69k=
Stocks30/36€69k€69k=
Amounts receivable within one year40/41€803k€673k▼
Trade receivables40€149k€144k▼
Other amounts receivable41€654k€530k▼
Current investments50/53€1.03M€1.18M▲
Cash at bank and in hand54/58€1.09M€1.64M▲
Deferred charges and accrued income490/1€25k€3k▼
Equity and liabilities
Total equity and liabilities10/49€3.20M€3.72M▲
Equity10/15€3.05M€3.53M▲
Contributions10/11€12k€12k=
Reserves13€3.03M€3.52M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€721k€721k=
Distributable reserves133€2.31M€2.80M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€149k€187k▲
Amounts payable within one year42/48€143k€183k▲
Financial debts43-€539
Credit institutions430/8-€539
Trade debts44€61k€46k▼
Suppliers440/4€61k€46k▼
Taxes, remuneration and social security45€22k€80k▲
Taxes450/3€22k€80k▲
Other amounts payable47/48€59k€57k▼
Accrued charges and deferred income492/3€6k€4k▼
Income statement
Code20242025
Non-recurring operating income76A€43k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€27k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€753k€700k▼
Operating profit (loss)9901€730k€672k▼
Financial income75/76B€57k€71k▲
Recurring financial income75€57k€71k▲
Financial charges65/66B€33k€27k▼
Recurring financial charges65€33k€27k▼
Profit (loss) for the period before taxes9903€753k€716k▼
Income taxes67/77€226k€232k▲
Profit (loss) for the period9904€527k€483k▼
Transfer from tax-exempt reserves789€89k€0▼
Transfer to tax-exempt reserves689€211k€0▼
Profit (loss) for the period to be appropriated9905€406k€483k▲
Appropriation of the result
Profit (loss) to be appropriated9906€406k€483k▲
Transfer from equity791/2€108k€0▼
Transfer to equity691/2€406k€483k▲
To other reserves6921€406k€483k▲
Profit to be distributed694/7€108k€0▼
Return on contributions (dividend)694€108k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (8 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
19-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
13-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Highest result since 2019net €601k ▲17.4%
Operating result €881k, net result €601k, both a record.
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Equity above €2MEq €2.04M ▲19.4%
3 profitable years in a row build equity to €2.04M.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Weakest financial yearnet €268k ▼22.1%
Net result drops to €268k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity triplescurrent ratio 13.73
Current ratio from 5.45 to 13.73; short-term debt falls from €312k to €128k.
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
16-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
24-01-2024
Vandewalle Martina: Resigned as Director
05-01-2017
Joye Luc: Resigned as Manager
Location & real-estate footprint
Registered office, Roeselare · 1 establishment unit since 2006
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.
Beversesteenweg 3228800 RoeselareGround area
5,793 m²
Building footprint
355 m²
Volume, LiDAR
716 m³
Parcel 36505C0969/00E007, Flanders · tallest building 20.7 m. Linked by address, not a title deed.
1 establishment unit
J.L.
since 20062.156.937.035
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36505C0969/00E007 | Flanders | 5,793 m² | 1 · 355 m² | 20.7 m |
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.
Recognitions · licences · registrations
Legal Entity Identifier
98450073FEE7A4GA7A13
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DATAROOTS
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Of 6,156 companies in sector 46190 we hold annual accounts for 2,571. 552 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2006
Fiscal year end30-06
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
77340Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.