J.L.B.
ActiveJ.L.B. has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €32k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 37% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-13
Solvency44=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.91 against 0.81 in 2024; short-term debt: 81.1% and cash: 11.9% of total assets), and 81.1% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
18.9%
Return on assets
14.7%
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
28 d late
2023
24 d late
2022
31 d late
2021
28 d late
2020
30 d late
2019
31 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▲ 6.0%
2024 · €39k
2018: €-55k
2019: €-72k
2020: €-115k
2021: €-98k
2022: €-61k
2023: €41k
2024: €39k
2018 → 2025
Total assets
€219k▲ 4.2%
2024 · €211k
2018: €5k
2019: €9k
2020: €104k
2021: €129k
2022: €174k
2023: €257k
2024: €211k
2018 → 2025
Net result
€32k▼ 51.6%
2024 · €67k
2018: €-775
2019: €-16k
2020: €-44k
2021: €18k
2022: €37k
2023: €102k
2024: €67k
2018 → 2025
Working capital
€-16k▲ 52.5%
2024 · €-33k
2018: €-8k
2019: €-24k
2020: €-68k
2021: €-122k
2022: €-78k
2023: €18k
2024: €-33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-98k-€-61k▲ 38.0%€41k€39k▼ 5.4%€41k▲ 6.0%
Operating result€23k-€38k▲ 63.3%€105k▲ 180%€85k▼ 18.9%€53k▼ 38.1%
Net result€18k-€37k▲ 112%€102k▲ 174%€67k▼ 34.5%€32k▼ 51.6%
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 two years in a row; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €219k
Fixed assets
€57k▼ 20.7%
Current assets
€162k▲ 17.1%
Equity and liabilities €219k
Equity
€41k▲ 6.0%
Debt
€178k▲ 3.8%
The debt ratio falls from 81.4% to 81.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€72k▼
2024 · €104k
Cash flow
€52k▼
2024 · €85k
Solvency
18.9%▲
2024 · 18.6%
Current ratio
0.91▲
2024 · 0.81
Quick ratio
0.63▲
2024 · 0.52
Debt / equity
4.29▼
2024 · 4.38
ROE
78.0%▼
2024 · 170.6%
ROA
14.7%▼
2024 · 31.7%
Interest coverage
7.20▼
2024 · 228.35
Debt
€178k▲
2024 · €171k
Debt ≤ 1 year
€178k▲
2024 · €171k
Income taxes
€11k▼
2024 · €18k
Staff costs
€52k▼
2024 · €53k
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€211k€219k▲
Fixed assets21/28€72k€57k▼
Tangible fixed assets22/27€72k€57k▼
Furniture and vehicles24€72k€53k▼
Other tangible fixed assets26-€4k
Financial fixed assets28€383€383=
Current assets29/58€139k€162k▲
Stocks and contracts in progress3€50k€50k=
Stocks30/36€50k€50k=
Amounts receivable within one year40/41€30k€85k▲
Other amounts receivable41€30k€85k▲
Cash at bank and in hand54/58€57k€26k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€211k€219k▲
Equity10/15€39k€41k▲
Contributions10/11€25k€25k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€12k€14k▲
Amounts payable17/49€171k€178k▲
Amounts payable within one year42/48€171k€178k▲
Trade debts44€146k€137k▼
Suppliers440/4€146k€137k▼
Taxes, remuneration and social security45€5k€11k▲
Taxes450/3€3k€11k▲
Remuneration and social security454/9€1k€745▼
Other amounts payable47/48€21k€30k▲
Income statement
Code20242025
Non-recurring operating income76A€2k-
Remuneration, social security and pensions62€53k€52k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€19k▲
Other operating charges640/8€1k€18k▲
Gross operating margin9900€158k€143k▼
Operating profit (loss)9901€85k€53k▼
Financial charges65/66B€454€10k▲
Recurring financial charges65€454€10k▲
Profit (loss) for the period before taxes9903€85k€43k▼
Income taxes67/77€18k€11k▼
Profit (loss) for the period9904€67k€32k▼
Profit (loss) for the period to be appropriated9905€67k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€44k▲
Profit (loss) brought forward from the previous period14P€-31k€12k▲
Transfer from equity791/2€45k-
Profit to be distributed694/7€69k€30k▼
Return on contributions (dividend)694€69k€30k▼
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
31-12
Financial
Highest result since 2018net €102k ▲174%
Operating result €105k, net result €102k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
31-12
Financial
Back to profitnet €18k
Net result €18k after 3 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-44k
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Rebecq · 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.
Chemin de la Chaussée 191430 RebecqGround area
2,997 m²
Building footprint
521 m²
Volume, LiDAR
12,565 m³
2 parcels, Brussels, Wallonia · tallest building 34.3 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
Delhaize Shop & Go
since 20222.330.975.128
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21805E0463/00Z002indicative | Brussels | 2,224 m² | 1 · 440 m² | 34.3 m · 10 fl. |
| 25088B0216/00M005 | Wallonia | 774 m² | 1 · 81 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.330.975.128
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VAN ELVEN
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Of 3,830 companies in sector 47210 we hold annual accounts for 965. 782 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-11-1984
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
47210Retail sale of fruit and vegetables
47221Retail sale of meat and meat products, excluding game and poultry
47230Retail trade
47271Retail trade
47291Retail trade
52220
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:francis.vanclaire@gmail.com