J.P.D.
ActiveJ.P.D. has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €688k and a net result of €65k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 95% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-17
Solvency100=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 54.66 against 17.89 in 2024; short-term debt: 1.6% and cash: 86% of total assets), and 2.6% 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○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
97.4%
Return on assets
9.2%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €688k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
61 d late
2023
30 d late
2022
32 d late
2021
11 d late
2020
7 d late
2019
11 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€688k▲ 10.4%
2024 · €624k
2019: €636k
2020: €654k
2021: €561k
2022: €470k
2023: €473k
2024: €624k
2019 → 2025
Total assets
€707k▲ 8.0%
2024 · €654k
2019: €970k
2020: €965k
2021: €720k
2022: €598k
2023: €572k
2024: €654k
2019 → 2025
Net result
€65k▼ 56.9%
2024 · €150k
2019: €-2k
2020: €10k
2021: €-93k
2022: €-91k
2023: €3k
2024: €150k
2019 → 2025
Working capital
€611k▲ 55.3%
2024 · €394k
2019: €244k
2020: €250k
2021: €348k
2022: €280k
2023: €284k
2024: €394k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€561k-€470k▼ 16.2%€473k▲ 0.6%€624k▲ 31.8%€688k▲ 10.4%
Operating result€-107k-€-91k▲ 15.4%€3k€183k▲ 5,674%€91k▼ 50.2%
Net result€-93k-€-91k▲ 2.4%€3k€150k▲ 4,895%€65k▼ 56.9%
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 falls in 2025; 2025 is 50% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €707k
Fixed assets
€84k▼ 64.5%
Current assets
€623k▲ 49.4%
Equity and liabilities €707k
Equity
€688k▲ 10.4%
Provisions
€7k▼ 3.2%
Debt
€11k▼ 51.1%
The debt ratio falls from 3.6% to 1.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95k▼
2024 · €196k
Cash flow
€69k▼
2024 · €164k
Solvency
97.4%▲
2024 · 95.3%
Current ratio
54.66▲
2024 · 17.89
Quick ratio
54.66▲
2024 · 17.89
Debt / equity
0.02▼
2024 · 0.04
ROE
9.4%▼
2024 · 24.1%
ROA
9.2%▼
2024 · 23.0%
Interest coverage
351.90▼
2024 · 3329.12
Debt
€11k▼
2024 · €23k
Debt ≤ 1 year
€11k▼
2024 · €23k
Income taxes
€30k▼
2024 · €35k
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€654k€707k▲
Fixed assets21/28€238k€84k▼
Tangible fixed assets22/27€237k€84k▼
Land and buildings22€219k€82k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€11€0▼
Other tangible fixed assets26€15k€0▼
Financial fixed assets28€300€0▼
Current assets29/58€417k€623k▲
Amounts receivable within one year40/41€7k€14k▲
Trade receivables40€0-
Other amounts receivable41€7k€14k▲
Cash at bank and in hand54/58€400k€608k▲
Deferred charges and accrued income490/1€10k€1k▼
Equity and liabilities
Total equity and liabilities10/49€654k€707k▲
Equity10/15€624k€688k▲
Contributions10/11€227k€227k=
Reserves13€397k€461k▲
Tax-exempt reserves132€4k€3k▼
Distributable reserves133€393k€459k▲
Provisions and deferred taxes16€8k€7k▼
Provisions for liabilities and charges160/5€6k€6k=
Other liabilities and charges164/5€6k€6k=
Deferred taxes168€1k€928▼
Amounts payable17/49€23k€11k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€23k€11k▼
Trade debts44€11k€11k▲
Suppliers440/4€11k€11k▲
Taxes, remuneration and social security45€12k€39▼
Taxes450/3€12k€39▼
Other amounts payable47/48€408€472▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€4k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€12k€2k▼
Gross operating margin9900€208k€97k▼
Operating profit (loss)9901€183k€91k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€59€271▲
Recurring financial charges65€59€271▲
Profit (loss) for the period before taxes9903€185k€94k▼
Transfer from deferred taxes780€244€244=
Income taxes67/77€35k€30k▼
Profit (loss) for the period9904€150k€65k▼
Transfer from tax-exempt reserves789€733€733=
Profit (loss) for the period to be appropriated9905€151k€66k▼
Appropriation of the result
Profit (loss) to be appropriated9906€151k€66k▼
Transfer to equity691/2€151k€66k▼
To other reserves6921€151k€66k▼
The notes to these accounts (10 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 54.66
Current ratio from 17.89 to 54.66; short-term debt falls from €23k to €11k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2019net €150k ▲4895%
Operating result €183k, net result €150k, both a record.
31-12
Financial
Equity above €500kEq €624k ▲31.8%
2 profitable years in a row build equity to €624k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
31-12
Financial
Weakest financial yearnet €-93k ▼1043%
Net result drops to €-93k, the lowest in the series; recovery starts the following year.
07-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 7 days late
2020
31-05
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 14 days late
2018
14-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 45 days late
2017
05-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 5 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
15 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, Gent · 1 establishment unit since 1994
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.
Brouwersstraat 59000 GentGround area
1,794 m²
Building footprint
181 m²
Volume, LiDAR
977 m³
Parcel 44815F1510/00C000, Flanders · tallest building 17.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J.P.D.
since 19942.066.664.083
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44815F1510/00C000 | Flanders | 1,794 m² | 1 · 181 m² | 17.6 m · 2 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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GECER'IMMO
BE 0841.980.388
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TAURUS
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VANCHRIS INVEST
BE 0728.705.570
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VEBO
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DELORY
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Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,997 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-04-1994
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68121Development of residential building projects
70111
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.