J-P en C°
ActiveJ-P en C° has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €122k and a net result of €5k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 47% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-3
Solvency69▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.9 against 1.79 in 2024; short-term debt: 41.2% and cash: 61.5% of total assets), but 55.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
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
44.4%
Return on assets
1.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
30 d late
2023
31 d late
2022
61 d early
2021
31 d early
2020
11 d late
2019
25 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€122k▲ 3.9%
2024 · €117k
2018: €87k
2019: €100k
2020: €95k
2021: €99k
2022: €83k
2023: €107k
2024: €117k
2018 → 2025
Total assets
€275k▲ 18.7%
2024 · €232k
2018: €145k
2019: €237k
2020: €197k
2021: €171k
2022: €148k
2023: €226k
2024: €232k
2018 → 2025
Net result
€5k▼ 54.4%
2024 · €10k
2018: €-2k
2019: €13k
2020: €-5k
2021: €4k
2022: €-16k
2023: €25k
2024: €10k
2018 → 2025
Working capital
€102k▲ 53.7%
2024 · €67k
2018: €69k
2019: €30k
2020: €76k
2021: €84k
2022: €75k
2023: €47k
2024: €67k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€99k-€83k▼ 16.3%€107k▲ 29.9%€117k▲ 9.4%€122k▲ 3.9%
Operating result€7k-€-15k€28k€18k▼ 36.9%€9k▼ 48.2%
Net result€4k-€-16k€25k€10k▼ 59.0%€5k▼ 54.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 48% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €275k
Fixed assets
€60k▼ 26.7%
Current assets
€216k▲ 43.3%
Equity and liabilities €275k
Equity
€122k▲ 3.9%
Debt
€153k▲ 33.9%
The debt ratio rises from 49.3% to 55.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▼
2024 · €40k
Cash flow
€26k▼
2024 · €32k
Solvency
44.4%▼
2024 · 50.7%
Current ratio
1.90▲
2024 · 1.79
Quick ratio
1.89▲
2024 · 1.77
Debt / equity
1.25▲
2024 · 0.97
ROE
3.8%▼
2024 · 8.6%
ROA
1.7%▼
2024 · 4.4%
Interest coverage
13.30▲
2024 · 10.40
Debt
€153k▲
2024 · €114k
Debt ≤ 1 year
€113k▲
2024 · €84k
Debt > 1 year
€20k▼
2024 · €30k
Income taxes
€2k▼
2024 · €4k
Staff costs
€325▼
2024 · €2k
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€232k€275k▲
Fixed assets21/28€81k€60k▼
Tangible fixed assets22/27€81k€60k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€78k€58k▼
Current assets29/58€150k€216k▲
Stocks and contracts in progress3€2k€1k▼
Stocks30/36€2k€1k▼
Amounts receivable within one year40/41€39k€45k▲
Trade receivables40€30k€34k▲
Other amounts receivable41€9k€12k▲
Cash at bank and in hand54/58€110k€169k▲
Equity and liabilities
Total equity and liabilities10/49€232k€275k▲
Equity10/15€117k€122k▲
Contributions10/11€68k€68k=
Reserves13€49k€54k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€47k€52k▲
Profit (loss) carried forward14€466€466=
Amounts payable17/49€114k€153k▲
Amounts payable after more than one year17€30k€20k▼
Financial debts170/4€30k€20k▼
Amounts payable within one year42/48€84k€113k▲
Current portion of amounts payable after more than one year42€10k€10k▼
Trade debts44€19k€45k▲
Suppliers440/4€19k€45k▲
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€7k€6k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€45k€50k▲
Accrued charges and deferred income492/3-€19k
Income statement
Code20242025
Remuneration, social security and pensions62€2k€325▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k=
Other operating charges640/8€909€2k▲
Gross operating margin9900€42k€33k▼
Operating profit (loss)9901€18k€9k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€14k€7k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€10k€5k▼
Profit (loss) for the period to be appropriated9905€10k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€5k▼
Profit (loss) brought forward from the previous period14P€466€466=
Transfer to equity691/2€10k€5k▼
To other reserves6921€10k€5k▼
The notes to these accounts (5 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Equity above €100kEq €107k ▲29.9%
Equity rises from €83k to €107k.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-16k ▼506%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
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, Geraardsbergen · 1 establishment unit since 2000
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.
Kouterstraat(Via) 1659500 GeraardsbergenGround area
5,378 m²
Building footprint
181 m²
Volume, LiDAR
994 m³
Parcel 41070C1034/00G000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kouterstraat(Via) 165, 9500 Geraardsbergen
since 20002.131.667.743
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41070C1034/00G000 | Flanders | 5,378 m² | 1 · 181 m² | 8.0 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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MARTI SERVICE
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Of 7,294 companies in sector 43350 we hold annual accounts for 2,361. 1,950 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-08-1999
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.