J.P.F.
ActiveJ.P.F. has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.17M and a net result of €132k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 79% of 9041 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▲+12
Solvency67=
Growth62=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €270k at 30 days acceptable
Liquidity short (current ratio 0.16 against 0.25 in 2024), and 29.8% 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
70.2%
Return on assets
2.2%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-03-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
33 d early
2023
57 d early
2022
31 d early
2021
54 d early
2020
32 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
10-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€202k▲ 1.3%
2022 · €200k
2018: €206k
2019: €203k
2020: €203k
2021: €205k
2022: €200k
2018 → 2023
EBIT margin
139.9%▲ 127.7pp
2022 · 12.1%
2018: -15.2%
2019: -180.3%
2020: -35.9%
2021: 158.1%
2022: 12.1%
2018 → 2023
Net result
€132k▲ 292%
2024 · €34k
2018: €-23k
2019: €-362k
2020: €-65k
2021: €243k
2022: €37k
2023: €207k
2024: €34k
2018 → 2025
Working capital
€-1.25M▼ 49.6%
2024 · €-837k
2018: €987k
2019: €1.16M
2020: €166k
2021: €563k
2022: €688k
2023: €697k
2024: €-837k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€205k-€200k▼ 2.4%€202k▲ 1.3%
Equity€3.76M-€3.79M▲ 1.0%€4.00M▲ 5.5%€4.03M▲ 0.8%€4.17M▲ 3.3%
Operating result€323k-€24k▼ 92.5%€283k▲ 1,068%€33k▼ 88.2%€173k▲ 417%
Net result€243k-€37k▼ 84.9%€207k▲ 466%€34k▼ 83.8%€132k▲ 292%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 417% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.94M
Fixed assets
€5.71M▲ 10.3%
Current assets
€230k▼ 19.5%
Equity and liabilities €5.94M
Equity
€4.17M▲ 3.3%
Provisions
€290k▼ 0.9%
Debt
€1.48M▲ 30.8%
The debt ratio rises from 20.7% to 25.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€379k▲
2024 · €144k
Cash flow
€338k▲
2024 · €144k
Solvency
70.2%▼
2024 · 73.9%
Current ratio
0.16▼
2024 · 0.25
Quick ratio
0.16▼
2024 · 0.25
Debt / equity
0.36▲
2024 · 0.28
ROE
3.2%▲
2024 · 0.8%
ROA
2.2%▲
2024 · 0.6%
Interest coverage
14.27▲
2024 · 9.73
Debt
€1.48M▲
2024 · €1.13M
Debt ≤ 1 year
€1.48M▲
2024 · €1.12M
Income taxes
€21k
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€5.46M€5.94M▲
Formation expenses20€3k€3k=
Fixed assets21/28€5.17M€5.71M▲
Tangible fixed assets22/27€5.17M€5.70M▲
Land and buildings22€5.16M€5.70M▲
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€5k€5k=
Current assets29/58€285k€230k▼
Amounts receivable within one year40/41€168k€171k▲
Trade receivables40€272€399▲
Other amounts receivable41€168k€170k▲
Cash at bank and in hand54/58€117k€59k▼
Equity and liabilities
Total equity and liabilities10/49€5.46M€5.94M▲
Equity10/15€4.03M€4.17M▲
Contributions10/11€2.02M€2.02M=
Capital10€2.02M€2.02M=
Issued capital100€2.02M€2.02M=
Reserves13€1.12M€1.11M▼
Non-distributable reserves130/1€202k€202k=
Legal reserve130€202k€202k=
Tax-exempt reserves132€877k€869k▼
Distributable reserves133€38k€39k▲
Profit (loss) carried forward14€900k€1.04M▲
Provisions and deferred taxes16€292k€290k▼
Deferred taxes168€292k€290k▼
Amounts payable17/49€1.13M€1.48M▲
Amounts payable within one year42/48€1.12M€1.48M▲
Trade debts44€90€4k▲
Suppliers440/4€90€4k▲
Taxes, remuneration and social security45-€21k
Taxes450/3-€21k
Other amounts payable47/48€1.12M€1.46M▲
Accrued charges and deferred income492/3€10k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0€278k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€110k€206k▲
Other operating charges640/8€28k€26k▼
Gross operating margin9900€172k€405k▲
Operating profit (loss)9901€33k€173k▲
Financial income75/76B€4k€4k▲
Recurring financial income75€4k€4k▲
Financial charges65/66B€15k€27k▲
Recurring financial charges65€15k€27k▲
Profit (loss) for the period before taxes9903€22k€151k▲
Transfer from deferred taxes780€11k€72k▲
Transfer to deferred taxes680€0€70k▲
Income taxes67/77-€21k
Profit (loss) for the period9904€34k€132k▲
Transfer from tax-exempt reserves789€34k€216k▲
Transfer to tax-exempt reserves689€0€209k▲
Profit (loss) for the period to be appropriated9905€68k€139k▲
Appropriation of the result
Profit (loss) to be appropriated9906€901k€1.04M▲
Profit (loss) brought forward from the previous period14P€833k€900k▲
Transfer to equity691/2€774€449▼
To other reserves6921€774€449▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (9 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
16-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
04-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-09
Financial
Liquidity triplescurrent ratio 5.34
Current ratio from 1.94 to 5.34; short-term debt falls from €729k to €161k.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
07-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-09
Financial
Back to profitnet €243k
Net result €243k after 3 loss-making years.
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Weakest financial yearnet €-362k
Net result drops to €-362k, the lowest in the series; recovery starts the following year.
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
14-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Roeselare · 1 establishment unit since 1988
Ground area
4,522 m²
Building footprint
376 m²
Volume, LiDAR
1,805 m³
Parcel 36504D0480/00R000, Flanders · tallest building 10.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
J.P.F.
since 19882.038.726.501
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36504D0480/00R000 | Flanders | 4,522 m² | 1 · 376 m² | 10.7 m · 1 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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AAGE
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Of 9,092 companies in sector 68201 we hold annual accounts for 6,723. 3,378 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-03-1988
Fiscal year end30-09
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.