J&S TECHNIX
ActiveSummary
The computed 12-month bankruptcy probability of J&S TECHNIX is 2.4% (moderate). The 2025 annual accounts show equity of €47k and a net result of €7k. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 30% of 27786 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-23
Solvency54▲+7
Growth52=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.56 against 2.83 in 2024; short-term debt: 29.2% and cash: 35.3% of total assets), but 71.1% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
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
28.9%
Return on assets
4.1%
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 02-06-2026, 59 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
59 d early
2024
43 d early
2023
57 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 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, micro schema
Equity
€47k▲ 16.8%
2024 · €40k
2023: €26k
2024: €40k
2023 → 2025
Total assets
€162k▼ 11.8%
2024 · €183k
2023: €157k
2024: €183k
2023 → 2025
Net result
€7k▼ 51.9%
2024 · €14k
2023: €21k
2024: €14k
2023 → 2025
Working capital
€73k▼ 14.3%
2024 · €86k
2023: €55k
2024: €86k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€26k-€40k▲ 53.7%€47k▲ 16.8%
Operating result€26k-€20k▼ 22.1%€18k▼ 12.8%
Net result€21k-€14k▼ 33.5%€7k▼ 51.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 13% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €162k
Fixed assets
€41k ▼ 19.1%
Current assets
€121k ▼ 9.0%
Equity and liabilities €162k
Equity
€47k ▲ 16.8%
Debt
€115k ▼ 19.8%
Debt's share of the balance-sheet total falls from 78.2% to 71.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▼
2024 · €35k
Cash flow
€23k▼
2024 · €28k
Current ratio
2.56▼
2024 · 2.83
Quick ratio
2.15▲
2024 · 1.91
Debt to equity
2.47▼
2024 · 3.59
ROE
14.4%▼
2024 · 34.9%
ROA
4.1%▼
2024 · 7.6%
Interest coverage
3.77▼
2024 · 15.35
Debt ≤ 1 year
€47k▲
2024 · €47k
Debt > 1 year
€68k▼
2024 · €96k
Income taxes
€2k▼
2024 · €4k
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€183k€162k▼
Fixed assets21/28€51k€41k▼
Intangible fixed assets21€1k€6k▲
Tangible fixed assets22/27€49k€34k▼
Plant, machinery and equipment23€22k€16k▼
Furniture and vehicles24€27k€19k▼
Financial fixed assets28€550€550=
Current assets29/58€133k€121k▼
Stocks and contracts in progress3€43k€19k▼
Stocks30/36€43k€19k▼
Amounts receivable within one year40/41€22k€40k▲
Trade receivables40€13k€18k▲
Other amounts receivable41€9k€22k▲
Cash at bank and in hand54/58€56k€57k▲
Deferred charges and accrued income490/1€11k€5k▼
Equity and liabilities
Total equity and liabilities10/49€183k€162k▼
Equity10/15€40k€47k▲
Contributions10/11€5k€5k=
Reserves13€35k€42k▲
Distributable reserves133€35k€42k▲
Amounts payable17/49€143k€115k▼
Amounts payable after more than one year17€96k€68k▼
Financial debts170/4€96k€68k▼
Amounts payable within one year42/48€47k€47k▲
Current portion of amounts payable after more than one year42€7k€26k▲
Trade debts44€18k€7k▼
Suppliers440/4€18k€7k▼
Advances received on contracts in progress46€20k€10k▼
Taxes, remuneration and social security45€1k€4k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€212€0▼
Accrued charges and deferred income492/3€360€0▼
Income statement
Code20242025
Non-recurring operating income76A-€673
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Other operating charges640/8€3k€851▼
Non-recurring operating charges66A€4k€0▼
Gross operating margin9900€42k€35k▼
Operating profit (loss)9901€20k€18k▼
Financial income75/76B-€145
Recurring financial income75-€145
Financial charges65/66B€2k€9k▲
Recurring financial charges65€2k€9k▲
Profit (loss) for the period before taxes9903€18k€9k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€14k€7k▼
Profit (loss) for the period to be appropriated9905€14k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€7k▼
Transfer to equity691/2€14k€7k▼
To other reserves6921€14k€7k▼
The notes to these accounts (13 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €7k ▼51.9%
Net result drops to €7k, the lowest in the series.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro 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 2023
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.
Sterstraat 583920 LommelGround area
1,193 m²
Building footprint
161 m²
Volume, LiDAR
632 m³
Parcel 72020C1370/00A000, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
J&S TECHNIX
since 20232.341.132.216
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C1370/00A000 | Flanders | 1,193 m² | 1 · 161 m² | 7.0 m · 1 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
2023 · 1 entry · 2,574 EUR awarded · 2,573 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,574 EUR | 2,573 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 8,511 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
Founded26-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
33200Installation of industrial machinery and equipment
43222Installation of electric heating, air conditioning, cooling and ventilation
43240Other construction installation
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.