J&T
ActiveJ&T has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €375k and a net result of €13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 111 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
76
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-83
Solvency82▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.03 against 1.95 in 2024), but 61.7% 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 · 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 20
Relative position
BE, all sectors
reference
Sector 20
lower
← 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
38.3%
Return on assets
1.3%
Age of the figures
8 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 13-07-2026, 18 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
18 d early
2024
28 d late
2023
47 d early
2022
33 d early
2021
12 d early
2020
17 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€375k▼ 17.9%
2024 · €457k
2020: €-7k
2021: €-103k
2022: €-7k
2023: €267k
2024: €457k
2020 → 2025
Total assets
€980k▼ 18.2%
2024 · €1.20M
2020: €562k
2021: €591k
2022: €831k
2023: €1.09M
2024: €1.20M
2020 → 2025
Net result
€13k▼ 94.7%
2024 · €237k
2020: €-216k
2021: €-180k
2022: €92k
2023: €331k
2024: €237k
2020 → 2025
Working capital
€451k▼ 16.3%
2024 · €538k
2020: €114k
2021: €128k
2022: €125k
2023: €420k
2024: €538k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-103k-€-7k▲ 93.2%€267k€457k▲ 71.2%€375k▼ 17.9%
Operating result€-216k-€37k€278k▲ 661%€209k▼ 24.8%€-17k
Net result€-180k-€92k€331k▲ 259%€237k▼ 28.3%€13k▼ 94.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €17k after €209k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €980k
Fixed assets
€91k▼ 6.2%
Current assets
€890k▼ 19.3%
Equity and liabilities €980k
Equity
€375k▼ 17.9%
Debt
€605k▼ 18.4%
The debt ratio falls from 61.9% to 61.7%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€19k▼
2024 · €254k
Cash flow
€49k▼
2024 · €282k
Solvency
38.3%▲
2024 · 38.1%
Current ratio
2.03▲
2024 · 1.95
Quick ratio
1.08▼
2024 · 1.27
Debt / equity
1.61▼
2024 · 1.62
ROE
3.3%▼
2024 · 52.0%
ROA
1.3%▼
2024 · 19.8%
Interest coverage
3.63▼
2024 · 41.24
Debt
€605k▼
2024 · €742k
Debt ≤ 1 year
€439k▼
2024 · €564k
Debt > 1 year
€106k▼
2024 · €135k
Income taxes
€0▼
2024 · €13k
Staff costs
€272k▼
2024 · €304k
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€1.20M€980k▼
Fixed assets21/28€97k€91k▼
Tangible fixed assets22/27€97k€91k▼
Plant, machinery and equipment23€95k€91k▼
Furniture and vehicles24€2k€0▼
Current assets29/58€1.10M€890k▼
Stocks and contracts in progress3€386k€416k▲
Stocks30/36€386k€416k▲
Amounts receivable within one year40/41€621k€168k▼
Trade receivables40€620k€168k▼
Other amounts receivable41€1k€105▼
Cash at bank and in hand54/58€84k€298k▲
Deferred charges and accrued income490/1€11k€8k▼
Equity and liabilities
Total equity and liabilities10/49€1.20M€980k▼
Equity10/15€457k€375k▼
Contributions10/11€100k€100k=
Reserves13€264k€217k▼
Distributable reserves133€264k€217k▼
Profit (loss) carried forward14-€0
Investment grants15€92k€58k▼
Amounts payable17/49€742k€605k▼
Amounts payable after more than one year17€135k€106k▼
Financial debts170/4€135k€106k▼
Amounts payable within one year42/48€564k€439k▼
Current portion of amounts payable after more than one year42€29k€29k▲
Trade debts44€312k€185k▼
Suppliers440/4€312k€185k▼
Advances received on contracts in progress46€2k€2k▲
Taxes, remuneration and social security45€148k€105k▼
Taxes450/3€104k€84k▼
Remuneration and social security454/9€44k€22k▼
Other amounts payable47/48€72k€117k▲
Accrued charges and deferred income492/3€43k€60k▲
Income statement
Code20242025
Remuneration, social security and pensions62€304k€272k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€36k▼
Other operating charges640/8€11k€144▼
Gross operating margin9900€569k€292k▼
Operating profit (loss)9901€209k€-17k▼
Financial income75/76B€48k€35k▼
Recurring financial income75€48k€35k▼
Financial charges65/66B€7k€5k▼
Recurring financial charges65€6k€5k▼
Non-recurring financial charges66B€577€0▼
Profit (loss) for the period before taxes9903€251k€13k▼
Income taxes67/77€13k€0▼
Profit (loss) for the period9904€237k€13k▼
Profit (loss) for the period to be appropriated9905€237k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€237k€13k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2-€60k
Transfer to equity691/2€237k€13k▼
To other reserves6921€237k€13k▼
Profit to be distributed694/7-€60k
Return on contributions (dividend)694-€60k
Social balance
Average headcount (FTE)90877.65.8▼
The notes to these accounts (14 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2020net €331k ▲259%
Operating result €278k, net result €331k, both a record.
31-12
Financial
Equity above €200kEq €267k
2 profitable years in a row build equity to €267k.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €92k
Net result €92k after 2 loss-making years.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2024
Immatek bv
CurrentDirector · since 05-08-2024 · Legal entity · perm. rep.: Van Pelt Tom
05-08-2024
Immatek bv: Appointed as Director
05-08-2024
Dekoninck Anna: Resigned as Director
05-08-2024
J&T: Appointed as Permanent representative
Location & real-estate footprint
Registered office, Aalst · 1 establishment unit since 2019
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.
Wijngaardveld 449300 AalstGround area
1.2 ha
Building footprint
5,891 m²
Volume, LiDAR
43,556 m³
Parcel 41303D0125/00C000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Wijngaardveld 44, 9300 Aalst
since 20192.294.418.796
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41303D0125/00C000 | Flanders | 1.2 ha | 1 · 5,891 m² | 9.5 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.
Similar companies · same sector, comparable size
MEBROM
BE 0891.282.223
Zelzate · Eq €379k
Polyform
BE 0627.934.646
Ans · Eq €384k
A PRIORI PLASTICS
BE 0685.854.039
Lummen · Eq €353k
FAM. COOSEMANS
BE 0550.477.374
Hoeilaart · Eq €341k
POLYWORKS CONCEPTS
BE 0834.977.384
Fleurus · Eq €325k
Of 138 companies in sector 20160 we hold annual accounts for 94. 42 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2019
Fiscal year end31-12
Activities, NACEBEL
20160Manufacture of chemicals and chemical products
23910Manufacture of other non-metallic mineral products
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.