J. Lisabeth
ActiveJ. Lisabeth has been active since 1970 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.66M and a net result of €944k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 71% of 475 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth65▲+13
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €370k at 30 days acceptable
Liquidity ample (current ratio 2.98 against 2.94 in 2024), and 33.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
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
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
66.3%
Return on assets
17.1%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €3.7M
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
36 d early
2023
21 d early
2022
32 d early
2021
31 d early
2020
37 d early
2019
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€17.93M▼ 13.4%
2022 · €20.69M
2018: €16.03M
2019: €15.92M
2020: €15.56M
2021: €17.31M
2022: €20.69M
2018 → 2023
EBIT margin
2.7%▲ 2.5pp
2022 · 0.2%
2018: 0.6%
2019: -0.3%
2020: -2.0%
2021: -3.4%
2022: 0.2%
2018 → 2023
Net result
€944k▲ 34.1%
2024 · €704k
2018: €40k
2019: €-81k
2020: €-330k
2021: €-564k
2022: €3k
2023: €423k
2024: €704k
2018 → 2025
Working capital
€2.62M▲ 54.6%
2024 · €1.69M
2018: €845k
2019: €675k
2020: €353k
2021: €112k
2022: €186k
2023: €812k
2024: €1.69M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€17.31M-€20.69M▲ 19.5%€17.93M▼ 13.4%
Equity€1.91M-€1.91M▲ 0.1%€2.34M▲ 22.1%€2.71M▲ 16.0%€3.66M▲ 34.8%
Operating result€-587k-€34k€477k▲ 1,287%€855k▲ 79.3%€1.40M▲ 63.4%
Net result€-564k-€3k€423k▲ 15,171%€704k▲ 66.3%€944k▲ 34.1%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 63% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.52M
Fixed assets
€1.57M▼ 11.3%
Current assets
€3.94M▲ 53.6%
Equity and liabilities €5.52M
Equity
€3.66M▲ 34.8%
Debt
€1.86M▲ 14.2%
The debt ratio falls from 37.6% to 33.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€1.70M▲
2024 · €1.18M
Cash flow
€1.24M▲
2024 · €1.03M
Solvency
66.3%▲
2024 · 62.4%
Current ratio
2.98▲
2024 · 2.94
Quick ratio
2.63▲
2024 · 2.15
Debt / equity
0.51▼
2024 · 0.60
ROE
25.8%▼
2024 · 26.0%
ROA
17.1%▲
2024 · 16.2%
Interest coverage
89.99▲
2024 · 36.87
Debt
€1.86M▲
2024 · €1.63M
Debt ≤ 1 year
€1.32M▲
2024 · €872k
Debt > 1 year
€520k▼
2024 · €753k
Income taxes
€438k▲
2024 · €75k
Staff costs
€394k▲
2024 · €352k
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€4.34M€5.52M▲
Fixed assets21/28€1.77M€1.57M▼
Intangible fixed assets21€16k€12k▼
Tangible fixed assets22/27€1.76M€1.56M▼
Land and buildings22€1.57M€1.44M▼
Plant, machinery and equipment23€154k€94k▼
Furniture and vehicles24€36k€23k▼
Other tangible fixed assets26€1k€424▼
Financial fixed assets28€2k€2k=
Current assets29/58€2.57M€3.94M▲
Stocks and contracts in progress3€694k€468k▼
Stocks30/36€694k€468k▼
Amounts receivable within one year40/41€1.68M€2.30M▲
Trade receivables40€1.66M€2.29M▲
Other amounts receivable41€14k€13k▼
Current investments50/53-€1.00M
Cash at bank and in hand54/58€163k€144k▼
Deferred charges and accrued income490/1€32k€31k▼
Equity and liabilities
Total equity and liabilities10/49€4.34M€5.52M▲
Equity10/15€2.71M€3.66M▲
Contributions10/11€1.34M€1.34M=
Capital10€1.34M€1.34M=
Issued capital100€1.34M€1.34M=
Reserves13€1.38M€2.32M▲
Non-distributable reserves130/1€134k€134k=
Legal reserve130€134k€134k=
Distributable reserves133€1.24M€2.19M▲
Amounts payable17/49€1.63M€1.86M▲
Amounts payable after more than one year17€753k€520k▼
Financial debts170/4€753k€520k▼
Amounts payable within one year42/48€872k€1.32M▲
Current portion of amounts payable after more than one year42€233k€233k=
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€576k€883k▲
Suppliers440/4€576k€883k▲
Taxes, remuneration and social security45€63k€205k▲
Taxes450/3€10k€147k▲
Remuneration and social security454/9€53k€58k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€5k€20k▲
Income statement
Code20242025
Remuneration, social security and pensions62€352k€394k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€329k€297k▼
Other operating charges640/8€28k€31k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€1.56M€2.12M▲
Operating profit (loss)9901€855k€1.40M▲
Financial income75/76B€6k€3k▼
Recurring financial income75€6k€3k▼
Financial charges65/66B€82k€19k▼
Recurring financial charges65€32k€19k▼
Non-recurring financial charges66B€50k€0▼
Profit (loss) for the period before taxes9903€779k€1.38M▲
Income taxes67/77€75k€438k▲
Profit (loss) for the period9904€704k€944k▲
Profit (loss) for the period to be appropriated9905€704k€944k▲
Appropriation of the result
Profit (loss) to be appropriated9906€704k€944k▲
Transfer to equity691/2€704k€944k▲
To the legal reserve6920€0-
To other reserves6921€704k€944k▲
Social balance
Average headcount (FTE)90876.46.4=
The notes to these accounts (22 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €944k ▲34.1%
Operating result €1.40M, net result €944k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €2MEq €2.34M ▲22.1%
2 profitable years in a row build equity to €2.34M.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €-564k
Net result drops to €-564k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Deinze · 4 establishment units since 1970
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.
Oude Heirbaan 1849800 DeinzeGround area
7.4 ha
Building footprint
982 m²
Volume, LiDAR
5,069 m³
4 parcels, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
4 establishment units
J. LISABETH
since 19702.005.128.273
Ongarijstraat ZN, 9800 Deinze
since 19902.280.189.985
Wontergemwegel 2, 9800 Deinze
since 20062.280.190.183
J. Lisabeth
since 20172.263.549.834
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44075B0279/00D000 | Flanders | 4.4 ha | 1 · 633 m² | 8.9 m · 2 fl. |
| 44025A0314/00A000 | Flanders | 2.8 ha | - | - |
| 44026A0230/00K000 | Flanders | 1,725 m² | 1 · 157 m² | 8.1 m · 2 fl. |
| 44025A0627/00D003 | Flanders | 457 m² | 1 · 193 m² | 10.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 135 EUR awarded · 135 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 135 EUR |
| 2024 | 1 | 135 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
4 sitesDeinze2.005.128.273
Deinze2.263.549.834
Deinze2.280.189.985
Deinze2.280.190.183
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Of 608 companies in sector 01471 we hold annual accounts for 217. 131 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded25-11-1970
Fiscal year end31-12
Activities, NACEBEL
01471Crop and animal production, hunting and related service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jan@lisabeth.be
Phone:051/63.32.53