J&P TRADE
ActiveJ&P TRADE has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €42k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 29% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+5
Solvency44▲+40
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 0.81 in 2024; short-term debt: 79.3% and cash: 21% of total assets), and 80.7% 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 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
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
19.3%
Return on assets
33.2%
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
29 d late
2023
29 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
94 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€25k
2024 · €-18k
2018: €-37k
2019: €-36k
2020: €-35k
2021: €-3k
2022: €-993
2023: €-36k
2024: €-18k
2018 → 2025
Total assets
€128k▲ 51.3%
2024 · €85k
2018: €54k
2019: €77k
2020: €67k
2021: €87k
2022: €63k
2023: €69k
2024: €85k
2018 → 2025
Net result
€42k▲ 140%
2024 · €18k
2018: €-32k
2019: €2k
2020: €1k
2021: €32k
2022: €2k
2023: €-35k
2024: €18k
2018 → 2025
Working capital
€24k
2024 · €-19k
2018: €2k
2019: €37k
2020: €9k
2021: €34k
2022: €-3k
2023: €-39k
2024: €-19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-3k-€-993▲ 67.7%€-36k▼ 3,477%€-18k▲ 49.8%€25k
Operating result€33k-€4k▼ 88.5%€-32k€16k€56k▲ 241%
Net result€32k-€2k▼ 93.4%€-35k€18k€42k▲ 140%
Turnover and EBIT margin not published: the abbreviated 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 241% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €128k
Fixed assets
€2k▲ 49.7%
Current assets
€126k▲ 51.3%
Equity and liabilities €128k
Equity
€25k
Debt
€103k
Debt finances 80.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€56k▲
2024 · €18k
Cash flow
€43k▲
2024 · €19k
Solvency
19.3%▲
2024 · -21.0%
Current ratio
1.24▲
2024 · 0.81
Quick ratio
1.07▲
2024 · 0.63
Debt / equity
4.19▲
2024 · -5.75
ROE
172.2%
ROA
33.2%▲
2024 · 20.9%
Interest coverage
8.30▼
2024 · 10.35
Debt
€103k▲
2024 · €102k
Debt ≤ 1 year
€102k▼
2024 · €102k
Income taxes
€7k▲
2024 · €139
Staff costs
€15k▼
2024 · €36k
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€85k€128k▲
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€2k€2k▲
Furniture and vehicles24€2k€2k▲
Current assets29/58€83k€126k▲
Stocks and contracts in progress3€19k€17k▼
Stocks30/36€19k€17k▼
Amounts receivable within one year40/41€40k€81k▲
Trade receivables40€11k€17k▲
Other amounts receivable41€29k€64k▲
Cash at bank and in hand54/58€23k€27k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€85k€128k▲
Equity10/15€-18k€25k▲
Contributions10/11€19k€19k=
Reserves13€5k€6k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€4k€4k▲
Profit (loss) carried forward14€-42k€0▲
Amounts payable17/49€102k€103k▲
Amounts payable within one year42/48€102k€102k▼
Financial debts43€40k€40k=
Other loans439€40k€40k=
Trade debts44€20k€31k▲
Suppliers440/4€20k€31k▲
Taxes, remuneration and social security45€35k€30k▼
Taxes450/3€29k€28k▼
Remuneration and social security454/9€6k€2k▼
Other amounts payable47/48€7k€0▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Non-recurring operating income76A€630€0▼
Remuneration, social security and pensions62€36k€15k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€596▼
Other operating charges640/8€5k€1k▼
Gross operating margin9900€59k€73k▲
Operating profit (loss)9901€16k€56k▲
Financial income75/76B€3k€421▼
Recurring financial income75€3k€421▼
Financial charges65/66B€2k€7k▲
Recurring financial charges65€2k€7k▲
Profit (loss) for the period before taxes9903€18k€49k▲
Income taxes67/77€139€7k▲
Profit (loss) for the period9904€18k€42k▲
Profit (loss) for the period to be appropriated9905€18k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€606▲
Profit (loss) brought forward from the previous period14P€-60k€-42k▲
Transfer to equity691/2-€606
To other reserves6921-€606
Social balance
Average headcount (FTE)90871.81.3▼
The notes to these accounts (7 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 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €42k ▲140%
Operating result €56k, net result €42k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-35k ▼1757%
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 94 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 134 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Schilde · 1 establishment unit since 2004
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.
Turnhoutsebaan 1482970 SchildeGround area
6,021 m²
Building footprint
418 m²
Volume, LiDAR
4,406 m³
Parcel 11922C0091/00F000, Flanders · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
2beIT
since 20042.142.296.468
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922C0091/00F000 | Flanders | 6,021 m² | 1 · 418 m² | 14.9 m · 4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 10 entries · 36,667 EUR awarded · 36,667 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 2,392 EUR | 2,392 EUR |
| 2024 | 2 | 8,461 EUR | 8,461 EUR |
| 2023 | 3 | 15,114 EUR | 15,114 EUR |
| 2022 | 3 | 10,700 EUR | 10,700 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Aanwervingsincentive voor langdurig werkzoekenden (AWI) - Stopgezet
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
3 live approvals · 6 endedDatacommunicatie- en netwerkinstallaties duaal (so)
Datacommunicatie- en netwerkinstallaties duaal 1 (so)
Datacommunicatie- en netwerktechnicus (vwo)
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Of 3,227 companies in sector 47400 we hold annual accounts for 1,806. 1,267 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-08-2004
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.