J.S.J.
ActiveJ.S.J. has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €28k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 86% of 27446 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
98
/ 100
Excellent▲ +12 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+68
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 4.05 against 6.28 in 2024), 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
81.7%
Return on assets
22.2%
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 16-01-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
11 d early
2023
22 d early
2022
1 d early
2021
7 d early
2020
2 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€105k▼ 17.5%
2024 · €127k
2019: €85k
2020: €97k
2021: €103k
2022: €107k
2023: €119k
2024: €127k
2019 → 2025
Total assets
€128k▼ 14.5%
2024 · €150k
2019: €127k
2020: €133k
2021: €132k
2022: €132k
2023: €153k
2024: €150k
2019 → 2025
Net result
€28k▲ 247%
2024 · €8k
2019: €14k
2020: €12k
2021: €6k
2022: €5k
2023: €11k
2024: €8k
2019 → 2025
Working capital
€55k▼ 31.7%
2024 · €80k
2019: €61k
2020: €67k
2021: €66k
2022: €61k
2023: €72k
2024: €80k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€107k▲ 4.4%€119k▲ 10.6%€127k▲ 6.9%€105k▼ 17.5%
Operating result€9k-€7k▼ 18.2%€6k▼ 16.7%€14k▲ 128%€45k▲ 215%
Net result€6k-€5k▼ 20.0%€11k▲ 151%€8k▼ 28.1%€28k▲ 247%
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 215% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €128k
Fixed assets
€55k▲ 1.6%
Current assets
€73k▼ 23.7%
Equity and liabilities €128k
Equity
€105k▼ 17.5%
Debt
€23k▲ 1.7%
The debt ratio rises from 15.4% to 18.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€48k▲
2024 · €17k
Cash flow
€32k▲
2024 · €11k
Solvency
81.7%▼
2024 · 84.6%
Current ratio
4.05▼
2024 · 6.28
Quick ratio
4.05▼
2024 · 6.28
Debt / equity
0.22▲
2024 · 0.18
ROE
27.1%▲
2024 · 6.4%
ROA
22.2%▲
2024 · 5.5%
Interest coverage
13.65▲
2024 · 4.32
Debt
€23k▲
2024 · €23k
Debt ≤ 1 year
€18k▲
2024 · €15k
Debt > 1 year
€5k▼
2024 · €7k
Income taxes
€14k▲
2024 · €4k
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€150k€128k▼
Fixed assets21/28€55k€55k▲
Tangible fixed assets22/27€55k€55k▲
Land and buildings22€35k€35k=
Plant, machinery and equipment23€11k€10k▼
Furniture and vehicles24€2k€2k▲
Other tangible fixed assets26€6k€8k▲
Current assets29/58€95k€73k▼
Amounts receivable after more than one year29€70k€30k▼
Trade receivables290€70k€30k▼
Amounts receivable within one year40/41€9k€6k▼
Trade receivables40€7k€2k▼
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€3k€22k▲
Deferred charges and accrued income490/1€14k€15k▲
Equity and liabilities
Total equity and liabilities10/49€150k€128k▼
Equity10/15€127k€105k▼
Contributions10/11€19k€19k=
Reserves13€108k€86k▼
Distributable reserves133€108k€86k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€23k€23k▲
Amounts payable after more than one year17€7k€5k▼
Financial debts170/4€7k€5k▼
Amounts payable within one year42/48€15k€18k▲
Current portion of amounts payable after more than one year42€6k€11k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€7k€1k▼
Suppliers440/4€7k€1k▼
Taxes, remuneration and social security45€818€5k▲
Taxes450/3€818€5k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€2k€0▼
Accrued charges and deferred income492/3€1k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€828€820▼
Gross operating margin9900€18k€49k▲
Operating profit (loss)9901€14k€45k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Non-recurring financial income76B€0-
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€12k€42k▲
Income taxes67/77€4k€14k▲
Profit (loss) for the period9904€8k€28k▲
Profit (loss) for the period to be appropriated9905€8k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€28k▲
Transfer from equity791/2-€51k
Transfer to equity691/2€8k€28k▲
To other reserves6921€8k€28k▲
Profit to be distributed694/7-€51k
Return on contributions (dividend)694-€51k
The notes to these accounts (8 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
16-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €28k ▲247%
Operating result €45k, net result €28k, both a record.
20-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €5k ▼20%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €100kEq €103k ▲5.8%
3 profitable years in a row build equity to €103k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-12
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
4 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, Lille · 1 establishment unit since 2006
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.
Krokuslaan 52275 LilleGround area
2,246 m²
Building footprint
398 m²
Volume, LiDAR
2,449 m³
2 parcels, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Krokuslaan 3, 2275 Lille
since 20062.158.463.695
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13009C0689/00F003 | Flanders | 1,137 m² | 1 · 165 m² | 10.0 m · 3 fl. |
| 13009C0683/00H000 | Flanders | 1,109 m² | 1 · 233 m² | 9.4 m · 2 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.
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Of 15,435 companies in sector 43990 we hold annual accounts for 7,353. 6,171 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-07-2006
Fiscal year end30-06
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
43230Insulation installation
43291Specialised construction activities
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.