J.P. HABETS
ActiveJ.P. HABETS has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €112k and a net result of €2k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 88% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 5.46 against 5.91 in 2024; short-term debt: 18.3% and cash: 28% of total assets), and 18.3% 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
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 · 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 · 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
81.7%
Return on assets
1.7%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d early
2022
25 d late
2021
25 d late
2020
30 d late
2019
89 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€112k▲ 2.1%
2024 · €110k
2018: €53k
2019: €59k
2020: €93k
2021: €104k
2022: €110k
2023: €108k
2024: €110k
2018 → 2025
Total assets
€137k▲ 3.9%
2024 · €132k
2018: €71k
2019: €82k
2020: €113k
2021: €109k
2022: €127k
2023: €129k
2024: €132k
2018 → 2025
Net result
€2k▲ 4.7%
2024 · €2k
2018: €7k
2019: €6k
2020: €34k
2021: €11k
2022: €6k
2023: €-2k
2024: €2k
2018 → 2025
Working capital
€112k▲ 2.4%
2024 · €110k
2018: €52k
2019: €58k
2020: €91k
2021: €103k
2022: €109k
2023: €107k
2024: €110k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€104k-€110k▲ 5.5%€108k▼ 1.9%€110k▲ 2.1%€112k▲ 2.1%
Operating result€11k-€6k▼ 49.5%€-2k€2k€2k▲ 1.5%
Net result€11k-€6k▼ 49.1%€-2k€2k€2k▲ 4.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €137k
Equity
€112k▲ 2.1%
Debt
€25k▲ 12.8%
The debt ratio rises from 16.9% to 18.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€3k▼
2024 · €3k
Cash flow
€3k▲
2024 · €3k
Solvency
81.7%▼
2024 · 83.1%
Current ratio
5.46▼
2024 · 5.91
Quick ratio
1.81▲
2024 · 0.97
Debt / equity
0.22▲
2024 · 0.20
ROE
2.1%▲
2024 · 2.0%
ROA
1.7%▲
2024 · 1.7%
Interest coverage
17.98▲
2024 · 15.64
Debt
€25k▲
2024 · €22k
Debt ≤ 1 year
€25k▲
2024 · €22k
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€132k€137k▲
Fixed assets21/28€235-
Tangible fixed assets22/27€235-
Plant, machinery and equipment23€235-
Current assets29/58€132k€137k▲
Stocks and contracts in progress3€110k€92k▼
Stocks30/36€110k€92k▼
Amounts receivable within one year40/41€21€7k▲
Trade receivables40€21€7k▲
Cash at bank and in hand54/58€22k€38k▲
Equity and liabilities
Total equity and liabilities10/49€132k€137k▲
Equity10/15€110k€112k▲
Contributions10/11€136k€136k=
Reserves13€16k€16k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14€-42k€-40k▲
Amounts payable17/49€22k€25k▲
Amounts payable within one year42/48€22k€25k▲
Trade debts44€895€981▲
Suppliers440/4€895€981▲
Taxes, remuneration and social security45€100€3k▲
Taxes450/3€100€3k▲
Other amounts payable47/48€21k€21k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€313€235▼
Other operating charges640/8€963€150▼
Gross operating margin9900€4k€3k▼
Operating profit (loss)9901€2k€2k▲
Financial income75/76B€120€88▼
Recurring financial income75€120€88▼
Financial charges65/66B€247€147▼
Recurring financial charges65€172€147▼
Non-recurring financial charges66B€75-
Profit (loss) for the period before taxes9903€2k€2k▲
Profit (loss) for the period9904€2k€2k▲
Profit (loss) for the period to be appropriated9905€2k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€-40k▲
Profit (loss) brought forward from the previous period14P€-45k€-42k▲
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-2k ▼137%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Liquidity quadruplescurrent ratio 20.30
Current ratio from 5.47 to 20.30; short-term debt falls from €20k to €5k.
31-12
Financial
Equity above €100kEq €104k ▲12.2%
4 profitable years in a row build equity to €104k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €34k ▲507%
Operating result €34k, net result €34k, both a record.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Dilsen-Stokkem · 1 establishment unit since 1990
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.
Hoogbaan 81A3650 Dilsen-StokkemGround area
1,042 m²
Building footprint
262 m²
Volume, LiDAR
1,450 m³
2 parcels, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JPH Bikes
since 19902.050.338.290
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72032B1099/00Z000 | Flanders | 605 m² | 1 · 129 m² | 8.6 m · 2 fl. |
| 72032B1099/00W000 | Flanders | 437 m² | 1 · 133 m² | 9.0 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteDilsen-Stokkem2.050.338.290
Similar companies · same sector, comparable size
Ride in
BE 0785.429.289
Villers-la-Ville · Eq €113k
Fietsbarak
BE 0755.376.414
Mechelen · Eq €113k
VERSCHUEREN
BE 0417.411.586
Hoogstraten · Eq €113k
Revolution Works
BE 0627.759.056
Schoten · Eq €113k
O' VELO
BE 0670.663.641
Koksijde · Eq €113k
Of 1,467 companies in sector 47632 we hold annual accounts for 733. 633 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-1990
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
45402
47830Retail sale of motorcycles and motorcycle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 33 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.