J & P
ActiveThe computed 12-month bankruptcy probability of J & P is 1.7% (moderate). The 2025 annual accounts show negative equity (€-19k) and a net result of €-28k. Equity is growing by ~35.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 18040 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
20
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-98
Solvency0▼-51
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.29 against 1.36 in 2024; short-term debt: 342.1% of total assets), and equity is negative.
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-242.1%
Return on assets
-350.7%
Age of the figures
9 mo
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 · 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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity 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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
25 d late
2022
48 d late
2021
23 d late
2020
1 d late
2019
66 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-19k
2024 · €9k
2018: €-23k
2019: €-20k
2020: €-17k
2021: €-10k
2022: €-3k
2023: €724
2024: €9k
2018 → 2025
Total assets
€8k▼ 75.8%
2024 · €33k
2018: €192
2020: €8k
2021: €9k
2022: €18k
2023: €24k
2024: €33k
2018 → 2025
Net result
€-28k
2024 · €8k
2018: €2k
2019: €3k
2020: €2k
2021: €7k
2022: €7k
2023: €4k
2024: €8k
2018 → 2025
Working capital
€-19k
2024 · €9k
2018: €-23k
2020: €-17k
2021: €-10k
2022: €-3k
2023: €724
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-10k-€-3k▲ 66.0%€724€9k▲ 1,107%€-19k
Operating result€10k-€11k▲ 16.5%€8k▼ 27.6%€10k▲ 25.8%€-24k
Net result€7k-€7k▼ 12.1%€4k▼ 37.6%€8k▲ 94.6%€-28k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €24k after €10k in 2024, the lowest result in the available series.
Key figures and ratios
Solvency
-242.1%▼
2024 · 26.3%
Current ratio
0.29▼
2024 · 1.36
Quick ratio
0.29▼
2024 · 1.36
Debt / equity
-1.41▼
2024 · 2.80
ROA
-350.7%▼
2024 · 24.1%
Debt
€28k▲
2024 · €24k
Debt ≤ 1 year
€28k▲
2024 · €24k
Income taxes
€3k▲
2024 · €0
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€33k€8k▼
Current assets29/58€33k€8k▼
Amounts receivable within one year40/41€33k€8k▼
Trade receivables40€1k€989▼
Other amounts receivable41€32k€7k▼
Equity and liabilities
Total equity and liabilities10/49€33k€8k▼
Equity10/15€9k€-19k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-10k€-38k▼
Amounts payable17/49€24k€28k▲
Amounts payable within one year42/48€24k€28k▲
Financial debts43€19k€19k▼
Credit institutions430/8€19k€19k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Other amounts payable47/48-€4k
Income statement
Code20242025
Other operating charges640/8€387€29k▲
Gross operating margin9900€11k€6k▼
Operating profit (loss)9901€10k€-24k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€8k€-26k▼
Income taxes67/77€0€3k▲
Profit (loss) for the period9904€8k€-28k▼
Profit (loss) for the period to be appropriated9905€8k€-28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-38k▼
Profit (loss) brought forward from the previous period14P€-18k€-10k▲
The notes to these accounts (1 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-28k ▼452%
Net result drops to €-28k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €8k ▲94.6%
Net result €8k, the highest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 25 days late
2023
17-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 48 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 23 days late
2021
01-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
30-06
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
4 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, Herentals · 1 establishment unit since 2014
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.
Meuleveld 112200 HerentalsGround area
425 m²
Building footprint
91 m²
Parcel 13026A0425/00R002, Flanders. Linked by address, not a title deed.
1 establishment unit
J & P
since 20142.229.346.050
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13026A0425/00R002 | Flanders | 425 m² | 1 · 91 m² | - |
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 12,968 companies in sector 47120 we hold annual accounts for 2,186. 1,183 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2014
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
32500Manufacture of medical and dental instruments and supplies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.