J.R.L.
ActiveSummary
J.R.L. has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-54
Solvency34▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.06 in 2024; short-term debt: 90.8% and cash: 22.9% of total assets), and 91.1% 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+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
8.9%
Return on assets
3.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 10359 sector peers (2025).
NBB · sector comparisonPosition among 10359 sector peers
Solvency
better than 19%
← weakest
strongest →
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
25 d late
2023
22 d late
2022
30 d late
2021
31 d late
2020
89 d late
2019
28 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€12.67M
EBIT margin
0.4%
Net result
€22k▼ 87.6%
2024 · €179k
2018: €-114k
2019: €-122k
2020: €53k
2021: €-62k
2022: €15k
2023: €122k
2024: €179k
2018 → 2025
Working capital
€53k▲ 61.5%
2024 · €33k
2018: €-162k
2019: €-286k
2020: €-231k
2021: €-292k
2022: €-269k
2023: €-150k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€12.67M
Equity€-283k-€-268k▲ 5.3%€-146k▲ 45.5%€33k€55k▲ 67.3%
Operating result€-47k-€27k€142k▲ 429%€199k▲ 40.2%€49k▼ 75.4%
Net result€-62k-€15k€122k▲ 707%€179k▲ 46.8%€22k▼ 87.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €615k
Fixed assets
€4k ▲ 140%
Current assets
€611k ▲ 3.6%
Equity and liabilities €615k
Equity
€55k ▲ 67.3%
Debt
€560k ▲ 0.3%
Debt's share of the balance-sheet total falls from 94.4% to 91.1%. Equity and debt are higher.
Key figures and ratios
Current ratio
1.09▲
2024 · 1.06
Quick ratio
0.34▼
2024 · 0.35
Debt to equity
10.18▼
2024 · 16.99
ROE
40.2%▼
2024 · 544.5%
ROA
3.6%▼
2024 · 30.3%
Debt ≤ 1 year
€559k▲
2024 · €557k
Income taxes
€10k▲
2024 · €8k
Staff costs
€816k▼
2024 · €822k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€592k€615k▲
Fixed assets21/28€2k€4k▲
Financial fixed assets28€2k€4k▲
Current assets29/58€590k€611k▲
Stocks and contracts in progress3€393k€421k▲
Stocks30/36€393k€421k▲
Amounts receivable within one year40/41€30k€12k▼
Trade receivables40€8k€10k▲
Other amounts receivable41€23k€3k▼
Cash at bank and in hand54/58€144k€141k▼
Deferred charges and accrued income490/1€23k€38k▲
Equity and liabilities
Total equity and liabilities10/49€592k€615k▲
Equity10/15€33k€55k▲
Contributions10/11€50k€50k=
Capital10€50k-
Issued capital100€50k-
Reserves13€5k€5k=
Non-distributable reserves130/1€5k€5k=
Legal reserve130€5k-
Reserves not available under the articles1311-€5k
Profit (loss) carried forward14€-22k€20▲
Amounts payable17/49€559k€560k▲
Amounts payable within one year42/48€557k€559k▲
Trade debts44€395k€404k▲
Suppliers440/4€395k€404k▲
Taxes, remuneration and social security45€160k€154k▼
Taxes450/3€15k€15k▼
Remuneration and social security454/9€145k€139k▼
Other amounts payable47/48€2k€1k▼
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Turnover70-€12.67M
Goods, raw materials, services and sundry goods60/61-€12.05M
Remuneration, social security and pensions62€822k€816k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€248-
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-49
Other operating charges640/8€13k€72k▲
Non-recurring operating charges66A€4k-
Gross operating margin9900€1.04M€937k▼
Operating profit (loss)9901€199k€49k▼
Financial income75/76B€1k€449▼
Recurring financial income75€1k€449▼
Financial charges65/66B€13k€17k▲
Recurring financial charges65€13k€17k▲
Profit (loss) for the period before taxes9903€187k€33k▼
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€179k€22k▼
Profit (loss) for the period to be appropriated9905€179k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€20▲
Profit (loss) brought forward from the previous period14P€-201k€-22k▲
Social balance
Average headcount (FTE)908721.921.2▼
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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
31-12
Financial
Highest result since 2018net €179k ▲46.8%
Operating result €199k, net result €179k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 22 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 89 days late
2020
31-12
Financial
Back to profitnet €53k
Net result €53k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €-122k
Net result drops to €-122k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
28-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 120 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 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, Namur · 5 establishment units since 2015
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.
Avenue Albert 1er 975000 NamurGround area
7,180 m²
Building footprint
893 m²
Volume, LiDAR
5,018 m³
5 parcels, Brussels, Wallonia · tallest building 15.4 m, ±5 floors. Linked by address, not a title deed.
5 establishment units
ND 55 BAISY-THY
since 20152.243.423.324
ND 72 IXELLES
since 20152.243.423.423
ND 34 MARCHE-EN-FAMENNE
since 20152.244.610.880
ND 04 GEMBLOUX
since 20152.243.877.343
ND147 IXELLES 3
since 20252.370.968.129
5 parcels
Wallonia
3
(60%)
Brussels
2
(40%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25098A0001/00Y000 | Wallonia | 5,690 m² | 1 · 567 m² | 7.0 m · 2 fl. |
| 92094B0311/00Z005 | Wallonia | 1,172 m² | 1 · 93 m² | 10.1 m · 2 fl. |
| 21445C0226/00B002 | Brussels | 126 m² | 1 · 62 m² | 15.4 m · 5 fl. |
| 21445C0265/00F008 | Brussels | 105 m² | 1 · 101 m² | 11.0 m · 1 fl. |
| 92053D0527/00A000 | Wallonia | 88 m² | 1 · 70 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 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
5 sitesElsene2.243.423.423
Elsene2.370.968.129
Gembloux2.243.877.343
Genappe2.243.423.324
Show 1 more sites
Marche-en-Famenne2.244.610.880
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Of 2,476 companies in sector 47279 we hold annual accounts for 950. 790 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
Founded24-11-2004
Fiscal year end31-12
Activities, NACEBEL 2025
47279Other retail sale of food
47621Retail sale of newspapers and periodicals
47540Retail sale of electrical household appliances
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.