Active BE 0803.067.849Private limited company

J&N Invest

Weeldestraat 53 ·2381 Ravels, Belgium· 3 yrs active

Sector: Installatie van isolatie (43230)

Conclusion Checked

The computed 12-month bankruptcy probability of J&N Invest is 2.2% (moderate). The 2025 annual accounts show equity of €268k and a net result of €117k. Its solvency ranks better than 87% of 2891 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€268k
Net result	€117k
Better than sector	87%
Active	3 yrs

Snowflake analysis 5 of 5 axes measured · computed by Checked

88 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93

Profitability 100

Solvency 100

Growth 52

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

2.2% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2025 · computed

93 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 27-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	78.1%	43.4%	better than 87% of 2891 sector peers
Net result	€117k	€13k	better than 95% of 2890 sector peers
Equity	€268k	€44k	better than 95% of 2891 sector peers
Gross operating margin	€172k	€39k	better than 90% of 2888 sector peers
Total assets	€343k	€115k	better than 86% of 2891 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€172k

-13.7% 24-25

Net profit

€117k

-20.7% 24-25

Cash flow

€137k

-11.9% 24-25

Total assets

€343k

+18.2% 24-25

Equity

€268k

+77.9% 24-25

Working capital

€231k

+105.1% 24-25

Income taxes

€34k

-21.8% 24-25

Debt

€75k

-46.2% 24-25

Debt ≤ 1y

€43k

-51.8% 24-25

Debt > 1y

€33k

-36.3% 24-25

Current ratio

6.40

+182.3% 24-25

Quick ratio

6.40

+182.3% 24-25

Solvency

78.1%

+50.6% 24-25

Debt / equity

0.28

-69.7% 24-25

ROE

43.8%

-55.5% 24-25

ROA

34.2%

-32.9% 24-25

Interest coverage

69.68

-58.2% 24-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€172k
Net profit	€117k
Cash flow	€137k
Staff costs	-
Income taxes	€34k
Dividends	-
Total assets	€343k
Equity	€268k
Debt	€75k
of which ≤ 1y	€43k
of which > 1y	€33k
Working capital	€231k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	6.40
Quick ratio	6.40
Working capital ratio	67.2%
Solvency	78.1%
Debt / equity	0.28
Long-term debt ratio	0.12
Interest coverage	69.68
Gross margin	-
Net margin	-
ROA	34.2%
ROE	43.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €70k · 20.4% Current assets €273k · 79.6%

Equity & liabilities

Equity €268k · 78.1% Debt €75k · 22.0%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€343k
Fixed assets	21/28	€70k
Tangible fixed assets	22/27	€70k
Current assets	29/58	€273k
Amounts receivable within one year	40/41	€104k
Cash & bank	54/58	€91k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€343k
Equity	10/15	€268k
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€265k
Amounts payable	17/49	€75k
Amounts payable after one year	17	€33k
Amounts payable within one year	42/48	€43k
Trade debts payable within one year	44	€8k
Income statement
Gross operating margin	9900	€172k
Operating result	9901	€152k
Financial income	75	€975
Financial charges	65	€2k
Result before taxes	9903	€151k
Income taxes	67/77	€34k
Net result for the period	9904	€117k
Result to be appropriated	9905	€117k

You are seeing the latest fiscal year only. 1 prior year (figures + ratios) is in a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Installatie van isolatie(43230)
Legal form	Private limited company(610)
Incorporation	22-06-2023
Status	Active
Postal code	2381

Connections & network 1 connected companies

Group structure

GT-FOAM

We sit on their board · 1 location

→

Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Ownership & control 1 parties

J&N InvestBE 0803.067.849

controls

Where this company holds controlthis company sits on their board1

GT-FOAM

1 location

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Establishment units 1 location

J&N Invest

Weeldestraat 53, 2381 RavelsReparatie en onderhoud van verwarmingsinstallaties

since 20232.346.549.962

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13048A0340/00M000	Flanders	488 m²	1 · 144 m²	10.6 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

27-01-2026

NBB filing Annual accounts filed

fiscal year 2025 · micro

2025

30-01-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Installatie van isolatie43230Isolatiewerkzaamheden43291Reparatie van producten van metaal33110Reparatie en onderhoud van producten van metaal33110Overige bouwinstallatie43240Overige bouwinstallatie, n.e.g.43299

Primary activity highlighted.

Names & trade names

Legal nameNL

J&N Invest

Registered office

Weeldestraat 53 bus 101

2381 Ravels, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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