J & R
ActiveSummary
J & R has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €4k. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 71% of 1309 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+14
Solvency90▼-1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.77 against 0.37 in 2024; short-term debt: 21.5% and cash: 1.5% of total assets), and 35.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 33
Relative position
BE, all sectors
reference
Sector 33
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
64.7%
Return on assets
2.3%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
17 d early
2023
1 d early
2022
on the day
2021
102 d late
2020
4 d early
2019
42 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 3.7%
2024 · €103k
2019: €-465
2020: €30k
2021: €41k
2022: €93k
2023: €112k
2024: €103k
2019 → 2025
Total assets
€165k▲ 5.4%
2024 · €156k
2019: €180k
2020: €189k
2021: €185k
2022: €217k
2023: €189k
2024: €156k
2019 → 2025
Net result
€4k
2024 · €-10k
2019: €-7k
2020: €31k
2021: €11k
2022: €52k
2023: €19k
2024: €-10k
2019 → 2025
Working capital
€-8k▲ 60.1%
2024 · €-20k
2019: €-75k
2020: €-42k
2021: €-57k
2022: €-30k
2023: €-7k
2024: €-20k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€93k▲ 125%€112k▲ 20.8%€103k▼ 8.7%€107k▲ 3.7%
Operating result€15k-€57k▲ 273%€21k▼ 62.4%€5k▼ 78.3%€12k▲ 160%
Net result€11k-€52k▲ 357%€19k▼ 62.5%€-10k€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 160% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165k
Fixed assets
€137k ▼ 4.8%
Current assets
€27k ▲ 129%
Equity and liabilities €165k
Equity
€107k ▲ 3.7%
Provisions
€2k
Debt
€56k ▲ 4.9%
Debt's share of the balance-sheet total falls from 34.3% to 34.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▲
2024 · €11k
Cash flow
€11k▲
2024 · €-3k
Current ratio
0.77▲
2024 · 0.37
Quick ratio
0.29▼
2024 · 0.34
Debt to equity
0.53▲
2024 · 0.52
ROE
3.6%▲
2024 · -9.4%
ROA
2.3%▲
2024 · -6.1%
Interest coverage
8.08▲
2024 · 5.58
Debt ≤ 1 year
€35k▲
2024 · €32k
Debt > 1 year
€21k▼
2024 · €21k
Income taxes
€6k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€156k€165k▲
Fixed assets21/28€144k€137k▼
Tangible fixed assets22/27€144k€137k▼
Land and buildings22€143k€137k▼
Furniture and vehicles24€1k€0▼
Current assets29/58€12k€27k▲
Stocks and contracts in progress3€890€17k▲
Stocks30/36€890€17k▲
Amounts receivable within one year40/41€5k€7k▲
Trade receivables40€5k€7k▲
Other amounts receivable41€155€0▼
Cash at bank and in hand54/58€4k€2k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€156k€165k▲
Equity10/15€103k€107k▲
Contributions10/11€19k€19k=
Reserves13€7k€88k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€5k€88k▲
Profit (loss) carried forward14€77k€0▼
Provisions and deferred taxes16-€2k
Provisions for liabilities and charges160/5-€2k
Other liabilities and charges164/5-€2k
Amounts payable17/49€54k€56k▲
Amounts payable after more than one year17€21k€21k▼
Financial debts170/4€21k€10k▼
Other amounts payable178/9-€11k
Amounts payable within one year42/48€32k€35k▲
Current portion of amounts payable after more than one year42€18k€17k▼
Trade debts44€833€2k▲
Suppliers440/4€833€2k▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€12k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€2k
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€28k€0▼
Gross operating margin9900€42k€25k▼
Operating profit (loss)9901€5k€12k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€3k€10k▲
Income taxes67/77€12k€6k▼
Profit (loss) for the period9904€-10k€4k▲
Profit (loss) for the period to be appropriated9905€-10k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€77k€81k▲
Profit (loss) brought forward from the previous period14P€87k€77k▼
Transfer to equity691/2-€81k
To other reserves6921-€81k
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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
14-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-10k ▼150%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €100kEq €112k ▲20.8%
4 profitable years in a row build equity to €112k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €52k ▲357%
Operating result €57k, net result €52k, both a record.
13-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 102 days late
2021
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 103 days late
2017
27-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lommel · 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.
Luikersteenweg 1273920 LommelGround area
1,345 m²
Building footprint
569 m²
Volume, LiDAR
2,610 m³
Parcel 72345B1083/00B019, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J & R
since 20042.135.579.318
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72345B1083/00B019 | Flanders | 1,345 m² | 1 · 569 m² | 7.7 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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POLYMECA MARINE
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Cobalt Blue
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ECOBOAT 4 YOU
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Of 298 companies in sector 33150 we hold annual accounts for 159. 116 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-01-2004
Fiscal year end30-06
Activities, NACEBEL 2025
33150Repair, maintenance and installation of machinery and equipment
30120Manufacture of other transport equipment
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
46713Wholesale trade
46720Wholesale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.