J & O - PARK
ActiveJ & O - PARK has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €563k and a net result of €-19k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 90% of 4530 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▲+16
Solvency100=
Growth58▲+6
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 13.05 against 23.07 in 2024; short-term debt: 5.6% and cash: 10.5% of total assets), and 6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 68
Relative position
BE, all sectors
reference
Sector 68
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
94%
Return on assets
-3.1%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-19k
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
22 d early
2023
23 d early
2022
26 d early
2021
32 d early
2020
25 d early
2019
23 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-19k▲ 45.1%
2024 · €-34k
2018: €-27k
2019: €252k
2020: €273k
2021: €-58k
2022: €214k
2023: €166k
2024: €-34k
2018 → 2025
Working capital
€406k▼ 42.8%
2024 · €711k
2018: €230k
2019: €630k
2020: €972k
2021: €930k
2022: €1.19M
2023: €994k
2024: €711k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.17M-€1.38M▲ 18.3%€1.14M▼ 17.2%€855k▼ 25.1%€563k▼ 34.1%
Operating result€-58k-€266k€245k▼ 8.1%€-55k€-33k▲ 40.6%
Net result€-58k-€214k€166k▼ 22.1%€-34k€-19k▲ 45.1%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €33k in 2025 against €55k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €599k
Fixed assets
€159k▲ 10.5%
Current assets
€440k▼ 40.8%
Equity and liabilities €599k
Equity
€563k▼ 34.1%
Debt
€36k▲ 11.4%
The debt ratio rises from 3.6% to 6.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-27k▲
2024 · €-50k
Cash flow
€-13k▲
2024 · €-29k
Solvency
94.0%▼
2024 · 96.4%
Current ratio
13.05▼
2024 · 23.07
Quick ratio
13.05▼
2024 · 23.07
Debt / equity
0.06▲
2024 · 0.04
ROE
-3.3%▲
2024 · -4.0%
ROA
-3.1%▲
2024 · -3.9%
Interest coverage
9.87▲
2024 · -12.57
Debt
€36k▲
2024 · €32k
Debt ≤ 1 year
€34k▲
2024 · €32k
Staff costs
€47k▲
2024 · €45k
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€887k€599k▼
Fixed assets21/28€144k€159k▲
Tangible fixed assets22/27€144k€159k▲
Land and buildings22€141k€157k▲
Plant, machinery and equipment23€3k€2k▼
Current assets29/58€743k€440k▼
Amounts receivable within one year40/41€14k€26k▲
Trade receivables40-€1k
Other amounts receivable41€14k€25k▲
Current investments50/53€647k€351k▼
Cash at bank and in hand54/58€81k€63k▼
Deferred charges and accrued income490/1€416€434▲
Equity and liabilities
Total equity and liabilities10/49€887k€599k▼
Equity10/15€855k€563k▼
Contributions10/11€372k€372k=
Capital10€372k€372k=
Issued capital100€372k€372k=
Reserves13€520k€247k▼
Non-distributable reserves130/1€37k€37k=
Legal reserve130€37k€37k=
Distributable reserves133€482k€210k▼
Profit (loss) carried forward14€-37k€-56k▼
Amounts payable17/49€32k€36k▲
Amounts payable within one year42/48€32k€34k▲
Trade debts44€8k€4k▼
Suppliers440/4€8k€4k▼
Taxes, remuneration and social security45€22k€28k▲
Remuneration and social security454/9€22k€28k▲
Other amounts payable47/48€2k€2k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€45k€47k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€8k€7k▼
Gross operating margin9900€3k€27k▲
Operating profit (loss)9901€-55k€-33k▲
Financial income75/76B€25k€11k▼
Recurring financial income75€25k€11k▼
Financial charges65/66B€4k€-3k▼
Recurring financial charges65€4k€-3k▼
Profit (loss) for the period before taxes9903€-34k€-19k▲
Profit (loss) for the period9904€-34k€-19k▲
Profit (loss) for the period to be appropriated9905€-34k€-19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-37k€-56k▼
Profit (loss) brought forward from the previous period14P€-3k€-37k▼
Transfer from equity791/2€252k€273k▲
Profit to be distributed694/7€252k€273k▲
Return on contributions (dividend)694€252k€273k▲
Social balance
Average headcount (FTE)90870.80.8=
The notes to these accounts (4 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €214k
Net result €214k after one loss-making year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-58k ▼121%
Net result drops to €-58k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 80.99
Current ratio from 18.22 to 80.99; short-term debt falls from €56k to €12k.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €273k ▲8.1%
Operating result €405k, net result €273k, both a record.
31-12
Financial
Equity above €1MEq €1.22M ▲28.7%
2 profitable years in a row build equity to €1.22M.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €252k
Net result €252k after one loss-making year.
31-12
Financial
Liquidity times 9current ratio 21.02
Current ratio from 2.38 to 21.02; short-term debt falls from €167k to €31k.
15-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
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
5 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, Sint-Niklaas · 1 establishment unit since 1995
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.
Parklaan 579100 Sint-NiklaasGround area
462 m²
Building footprint
209 m²
Volume, LiDAR
2,339 m³
Parcel 46445D0878/00R003, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
J & O PARK
since 19952.074.014.903
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46445D0878/00R003 | Flanders | 462 m² | 1 · 209 m² | 15.0 m · 4 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.
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Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 5,014 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-03-1994
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 32 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.