JACQUES LEROY
ActiveJACQUES LEROY has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €220k and a net result of €-5k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 91% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
62
/ 100
Healthy▼ -31 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 9.55 against 3.3 in 2024), and 10.5% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-03-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
2 d early
2022
2 d late
2021
2 d late
2020
1 d early
2019
31 d early
2018
36 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-5k
2024 · €127k
2018: €-215
2019: €-81k
2020: €57k
2021: €-59k
2022: €-46k
2024: €127k
2018 → 2025
Working capital
€220k▼ 2.3%
2024 · €225k
2018: €232k
2019: €150k
2020: €207k
2021: €859k
2022: €103k
2024: €225k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€207k-€148k▼ 28.4%€103k▼ 30.9%€225k▲ 119%€220k▼ 2.3%
Operating result€88k-€-8k€-39k▼ 418%€127k€-5k
Net result€57k-€-59k€-46k▲ 22.1%€127k€-5k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €127k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €245k
Equity
€220k▼ 2.3%
Debt
€26k▼ 73.7%
The debt ratio falls from 30.3% to 10.5%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
89.5%▲
2024 · 69.7%
Current ratio
9.55▲
2024 · 3.30
Quick ratio
9.30▲
2024 · 3.23
Debt / equity
0.12▼
2024 · 0.44
ROE
-2.4%▼
2024 · 56.4%
ROA
-2.1%▼
2024 · 39.3%
Debt
€26k▼
2024 · €98k
Debt ≤ 1 year
€26k▼
2024 · €98k
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€323k€245k▼
Current assets29/58€323k€245k▼
Stocks and contracts in progress3€6k€6k=
Stocks30/36€6k€6k=
Amounts receivable within one year40/41€315k€239k▼
Other amounts receivable41€315k€239k▼
Cash at bank and in hand54/58€1k€277▼
Equity and liabilities
Total equity and liabilities10/49€323k€245k▼
Equity10/15€225k€220k▼
Contributions10/11€182k€182k=
Capital10€182k€182k=
Issued capital100€189k€189k=
Uncalled capital101€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€41k€35k▼
Amounts payable17/49€98k€26k▼
Amounts payable within one year42/48€98k€26k▼
Trade debts44€98k€26k▼
Suppliers440/4€98k€26k▼
Income statement
Code20242025
Other operating charges640/8€1k€387▼
Gross operating margin9900€129k€-4k▼
Operating profit (loss)9901€127k€-5k▼
Financial charges65/66B€476€435▼
Recurring financial charges65€476€435▼
Profit (loss) for the period before taxes9903€127k€-5k▼
Profit (loss) for the period9904€127k€-5k▼
Profit (loss) for the period to be appropriated9905€127k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€35k▼
Profit (loss) brought forward from the previous period14P€-86k€41k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity triplescurrent ratio 9.55
Current ratio from 3.30 to 9.55; short-term debt falls from €98k to €26k.
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €127k
Net result €127k after 2 loss-making years.
30-09
Financial
Liquidity triplescurrent ratio 3.30
Current ratio from 1.23 to 3.30; short-term debt falls from €449k to €98k.
30-09
Financial
Equity above €200kEq €225k ▲119%
Equity rises from €103k to €225k.
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 2 days late
2021
30-09
Financial
Liquidity triplescurrent ratio 2.85
Current ratio from 1.08 to 2.85; short-term debt falls from €2.54M to €464k.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Back to profitnet €57k
Net result €57k after 2 loss-making years.
30-09
Financial
Equity above €200kEq €207k ▲37.9%
Equity rises from €150k to €207k.
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Weakest financial yearnet €-81k
Net result drops to €-81k, the lowest in the series; recovery starts the following year.
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
13-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
28-03
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Elsene
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.
Louizalaan 3681050 ElseneGround area
769 m²
Building footprint
445 m²
Volume, LiDAR
10,984 m³
Parcel 21807G0180/00B004, Brussels · tallest building 29.8 m, ±9 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0180/00B004 | Brussels | 769 m² | 1 · 445 m² | 29.8 m · 9 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
M.G.I.
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Koren
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KUPA INVEST
BE 0727.616.301
Brecht · Eq €220k
LOISELET CONSTRUCTIONS
BE 0885.466.379
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DKN-Projects
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Of 9,633 companies in sector 68121 we hold annual accounts for 7,327. 5,269 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-12-2004
Fiscal year end30-09
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.