J-TEK
ActiveJ-TEK has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88k and a net result of €85k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 89% of 9380 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +35 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+86
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 9.11 against 1.03 in 2024), and 10.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
89.2%
Return on assets
86.1%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €88k
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 11-06-2026, 50 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
50 d early
2024
42 d early
2023
41 d early
2022
28 d early
2021
25 d late
2020
27 d late
2019
28 d late
← 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, micro schema
Equity
€88k▲ 2,828%
2024 · €3k
2019: €34k
2020: €105k
2021: €158k
2022: €3k
2023: €3k
2024: €3k
2019 → 2025
Total assets
€98k▲ 0.3%
2024 · €98k
2019: €50k
2020: €105k
2021: €200k
2022: €279k
2023: €103k
2024: €98k
2019 → 2025
Net result
€85k▲ 1.5%
2024 · €84k
2019: €31k
2020: €71k
2021: €89k
2022: €91k
2023: €86k
2024: €84k
2019 → 2025
Working capital
€86k▲ 3,446%
2024 · €2k
2019: €20k
2020: €97k
2021: €157k
2022: €3k
2023: €2k
2024: €2k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€158k-€3k▼ 98.1%€3k=€3k=€88k▲ 2,828%
Operating result€109k-€113k▲ 4.2%€116k▲ 2.5%€112k▼ 3.4%€114k▲ 1.4%
Net result€89k-€91k▲ 2.7%€86k▼ 5.4%€84k▼ 3.1%€85k▲ 1.5%
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 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€2k=
Current assets
€97k▲ 0.3%
Equity and liabilities €98k
Equity
€88k▲ 2,828%
Debt
€11k▼ 88.8%
The debt ratio falls from 96.9% to 10.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€114k▲
2024 · €113k
Cash flow
€86k▲
2024 · €84k
Solvency
89.2%▲
2024 · 3.1%
Current ratio
9.11▲
2024 · 1.03
Quick ratio
9.11▲
2024 · 1.03
Debt / equity
0.12▼
2024 · 31.73
ROE
96.6%
ROA
86.1%▲
2024 · 85.2%
Interest coverage
706.13▼
2024 · 834.21
Debt
€11k▼
2024 · €95k
Debt ≤ 1 year
€11k▼
2024 · €94k
Income taxes
€29k▲
2024 · €28k
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€98k€98k▲
Fixed assets21/28€2k€2k=
Tangible fixed assets22/27€2k€2k=
Furniture and vehicles24€2k€2k=
Current assets29/58€97k€97k▲
Amounts receivable within one year40/41€36k€25k▼
Trade receivables40€35k€21k▼
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€58k€71k▲
Deferred charges and accrued income490/1€2k€967▼
Equity and liabilities
Total equity and liabilities10/49€98k€98k▲
Equity10/15€3k€88k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14-€85k
Amounts payable17/49€95k€11k▼
Amounts payable within one year42/48€94k€11k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€86k€3k▼
Accrued charges and deferred income492/3€958-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€463€673▲
Other operating charges640/8€617€1k▲
Gross operating margin9900€113k€116k▲
Operating profit (loss)9901€112k€114k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€135€162▲
Recurring financial charges65€135€162▲
Profit (loss) for the period before taxes9903€112k€114k▲
Income taxes67/77€28k€29k▲
Profit (loss) for the period9904€84k€85k▲
Profit (loss) for the period to be appropriated9905€84k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€85k▲
Profit to be distributed694/7€84k-
Return on contributions (dividend)694€84k-
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 9current ratio 9.11
Current ratio from 1.03 to 9.11; short-term debt falls from €94k to €11k.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €91k ▲2.7%
Net result €91k, the highest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Equity above €150kEq €158k ▲51%
3 profitable years in a row build equity to €158k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Liquidity times 88current ratio 198.64
Current ratio from 2.26 to 198.64; short-term debt falls from €16k to €489.
31-12
Financial
Equity above €100kEq €105k ▲206%
2 profitable years in a row build equity to €105k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Beersel · 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.
Brouwerijstraat 61653 BeerselGround area
579 m²
Building footprint
131 m²
Volume, LiDAR
697 m³
Parcel 23017D0250/00F002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J-TEK
since 20192.289.539.696
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23017D0250/00F002 | Flanders | 579 m² | 1 · 131 m² | 8.9 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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KUBISK
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Of 11,505 companies in sector 71121 we hold annual accounts for 6,524. 5,172 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2019
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.