J. VAN BOUWEL
ActiveSummary
J. VAN BOUWEL has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €128k. Equity is growing by ~42.6% per year across the filed fiscal years. Its solvency ranks better than 10% of 1736 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+58
Solvency29▲+29
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.05 against 0.49 in 2024; short-term debt: 54.2% and cash: 0% of total assets), and 96.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 01
Relative position
BE, all sectors
reference
Sector 01
lower
← 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
3.7%
Return on assets
53%
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 10% of 1736 sector peers (2025).
NBB · sector comparisonPosition among 1736 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-09-2026, 35 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
35 d late
2024
57 d late
2023
58 d late
2022
35 d late
2021
120 d late
2020
90 d late
2019
90 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
Equity
€9k
2024 · €-119k
2018: €-407k
2019: €-325k
2020: €-259k
2021: €-120k
2022: €-133k
2023: €-123k
2024: €-119k
2018 → 2025
Total assets
€242k▲ 8.2%
2024 · €224k
2018: €215k
2019: €328k
2020: €207k
2021: €197k
2022: €199k
2023: €218k
2024: €224k
2018 → 2025
Net result
€128k▲ 3,114%
2024 · €4k
2018: €-25k
2019: €307k
2020: €66k
2021: €139k
2022: €-13k
2023: €10k
2024: €4k
2018 → 2025
Working capital
€6k
2024 · €-122k
2018: €-410k
2019: €-328k
2020: €-262k
2021: €-123k
2022: €-136k
2023: €-126k
2024: €-122k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-120k-€-133k▼ 10.8%€-123k▲ 7.4%€-119k▲ 3.2%€9k
Operating result€139k-€-13k€10k€4k▼ 59.1%€17k▲ 330%
Net result€139k-€-13k€10k€4k▼ 59.6%€128k▲ 3,114%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 330% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €242k
Fixed assets
€105k =
Current assets
€137k ▲ 15.4%
Equity and liabilities €242k
Equity
€9k
Debt
€233k
Debt finances 96.3% of the balance-sheet total.
Key figures and ratios
Current ratio
1.05▲
2024 · 0.49
Debt to equity
26.08▲
2024 · -2.88
ROA
53.0%▲
2024 · 1.8%
Debt ≤ 1 year
€131k▼
2024 · €241k
Debt > 1 year
€96k▼
2024 · €96k
A ratio outside any meaningful range has been withheld (balance sheet total €242k, equity €9k).
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€224k€242k▲
Fixed assets21/28€105k€105k=
Financial fixed assets28€105k€105k=
Current assets29/58€119k€137k▲
Amounts receivable within one year40/41€118k€137k▲
Trade receivables40€117k€137k▲
Other amounts receivable41€650-
Cash at bank and in hand54/58€861€60▼
Equity and liabilities
Total equity and liabilities10/49€224k€242k▲
Equity10/15€-119k€9k▲
Contributions10/11€203k€203k=
Capital10€203k€203k=
Issued capital100€203k€203k=
Reserves13€59k€59k=
Non-distributable reserves130/1€42k€42k=
Legal reserve130€23k€23k=
Other1319€20k€20k=
Tax-exempt reserves132€16k€16k=
Profit (loss) carried forward14€-381k€-253k▲
Amounts payable17/49€343k€233k▼
Amounts payable after more than one year17€96k€96k▼
Financial debts170/4€96k€96k▼
Amounts payable within one year42/48€241k€131k▼
Financial debts43€112k-
Credit institutions430/8€112k-
Trade debts44€95€652▲
Suppliers440/4€95€652▲
Other amounts payable47/48€129k€131k▲
Accrued charges and deferred income492/3€6k€6k=
Income statement
Code20242025
Other operating charges640/8€512€2k▲
Gross operating margin9900€5k€19k▲
Operating profit (loss)9901€4k€17k▲
Financial income75/76B-€112k
Recurring financial income75-€112k
Non-recurring financial income76B-€112k
Financial charges65/66B€67€853▲
Recurring financial charges65€67€853▲
Profit (loss) for the period before taxes9903€4k€128k▲
Profit (loss) for the period9904€4k€128k▲
Profit (loss) for the period to be appropriated9905€4k€128k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-381k€-253k▲
Profit (loss) brought forward from the previous period14P€-385k€-381k▲
The notes to these accounts (2 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
04-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 35 days late
07-08
State Gazette act
Appointment: Marlyse van Bouwel (director)Registered-office move3 facts ▸
State Gazette act
Appointment: Marlyse van Bouwel (director)
Registered-office move3 facts ▸
- General meeting, 1 juli 2026
- Registered-office move, Middenstraat 47 bus 2, 2910 Essen
- Director appointment, Marlyse van Bouwel (director)
2025
31-12
Financial
Liquidity doublescurrent ratio 1.05
Current ratio from 0.49 to 1.05; short-term debt falls from €241k to €131k.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
08-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 35 days late
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
04-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 35 days late
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 120 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 456 days late
2019
31-12
Financial
Back to profitnet €307k
Net result €307k after one loss-making year.
2018
02-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 94 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Marlyse van Bouwel
CurrentDirector · since 01-07-2026
01-07-2026
Appointed as Director
Location & real-estate footprint
Registered office, Essen · 1 establishment unit since 1983
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.
Middenstraat 472910 EssenGround area
3,047 m²
Building footprint
411 m²
Volume, LiDAR
2,228 m³
2 parcels, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
J. VAN BOUWEL NV
since 19832.022.649.047
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11642C0611/00A000 | Flanders | 1,985 m² | 1 · 288 m² | 8.1 m · 2 fl. |
| 11023A0095/00Y002indicative | Flanders | 1,063 m² | 1 · 123 m² | 8.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 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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SIKALO
BE 0447.452.387
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BE 0871.424.937
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Of 20,588 companies in sector 01500 we hold annual accounts for 1,149. 315 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 formPublic limited company
Founded10-05-1983
Fiscal year end31-12
Activities, NACEBEL 2025
01500Mixed farming
42110Construction of roads and motorways
71121Engineering and related technical consultancy, excluding land surveyors
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.