JALBY
ActiveJALBY has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k and a net result of €260k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency12=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.0 against 1.01 in 2024), and 99.6% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
0.4%
Return on assets
78.4%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 12632 sector peers (2025).
NBB · sector comparisonPosition among 12632 sector peers
Solvency
better than 5%
← weakest
strongest →
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 19-03-2026, 134 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
134 d early
2024
45 d early
2023
44 d early
2022
49 d early
2021
33 d early
2020
45 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k▼ 33.3%
2024 · €2k
2020: €129k
2021: €223k
2022: €339k
2023: €2k
2024: €2k
2020 → 2025
Total assets
€331k▲ 47.9%
2024 · €224k
2020: €191k
2021: €301k
2022: €416k
2023: €251k
2024: €224k
2020 → 2025
Net result
€260k▲ 17.4%
2024 · €221k
2020: €128k
2021: €94k
2022: €115k
2023: €103k
2024: €221k
2020 → 2025
Working capital
€1k▼ 26.9%
2024 · €1k
2020: €127k
2021: €223k
2022: €339k
2023: €1k
2024: €1k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€223k-€339k▲ 51.7%€2k▼ 99.5%€2k=€1k▼ 33.3%
Operating result€122k-€154k▲ 26.9%€132k▼ 14.7%€289k▲ 119%€346k▲ 19.6%
Net result€94k-€115k▲ 22.3%€103k▼ 10.6%€221k▲ 114%€260k▲ 17.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 20% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €331k
Fixed assets
€135▼ 60.8%
Current assets
€331k▲ 48.0%
Equity and liabilities €331k
Equity
€1k▼ 33.3%
Debt
€330k▲ 48.5%
The debt ratio rises from 99.2% to 99.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€346k▲
2024 · €289k
Cash flow
€260k▲
2024 · €221k
Solvency
0.4%▼
2024 · 0.8%
Current ratio
1.00▼
2024 · 1.01
Quick ratio
1.00▼
2024 · 1.01
ROA
78.4%▼
2024 · 98.8%
Interest coverage
4038.25▲
2024 · 1164.45
Debt
€330k▲
2024 · €222k
Debt ≤ 1 year
€330k▲
2024 · €222k
Income taxes
€87k▲
2024 · €75k
A ratio outside any meaningful range has been withheld (balance sheet total €331k, equity €1k).
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€224k€331k▲
Formation expenses20€0€0=
Fixed assets21/28€344€135▼
Tangible fixed assets22/27€344€135▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€344€135▼
Current assets29/58€224k€331k▲
Amounts receivable within one year40/41€67k€133k▲
Trade receivables40€67k€133k▲
Cash at bank and in hand54/58€156k€196k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€224k€331k▲
Equity10/15€2k€1k▼
Contributions10/11€1k€1k=
Reserves13€813€209▼
Distributable reserves133€813€209▼
Amounts payable17/49€222k€330k▲
Amounts payable within one year42/48€222k€330k▲
Current portion of amounts payable after more than one year42-€12k
Trade debts44€593€2k▲
Suppliers440/4€593€2k▲
Taxes, remuneration and social security45€32k€55k▲
Taxes450/3€31k€54k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€189k€260k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€209€210=
Other operating charges640/8€748€510▼
Gross operating margin9900€290k€346k▲
Operating profit (loss)9901€289k€346k▲
Financial income75/76B€8k€1k▼
Recurring financial income75€8k€1k▼
Financial charges65/66B€248€86▼
Recurring financial charges65€248€86▼
Profit (loss) for the period before taxes9903€296k€347k▲
Income taxes67/77€75k€87k▲
Profit (loss) for the period9904€221k€260k▲
Profit (loss) for the period to be appropriated9905€221k€260k▲
Appropriation of the result
Profit (loss) to be appropriated9906€221k€260k▲
Transfer from equity791/2€221k€260k▲
Transfer to equity691/2€221k€260k▲
To other reserves6921€221k€260k▲
Profit to be distributed694/7€221k€260k▲
Return on contributions (dividend)694€221k€260k▲
The notes to these accounts (4 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
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €260k ▲17.4%
Operating result €346k, net result €260k, both a record.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €94k ▼26.2%
Net result drops to €94k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €223k ▲73.2%
2 profitable years in a row build equity to €223k.
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Merelbeke-Melle · 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.
Varendries 229820 Merelbeke-MelleGround area
571 m²
Building footprint
152 m²
Volume, LiDAR
666 m³
Parcel 44412B0802/00F003, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JALBY
since 20192.297.713.828
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44412B0802/00F003 | Flanders | 571 m² | 1 · 152 m² | 8.2 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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Of 22,019 companies in sector 69101 we hold annual accounts for 9,028. 1,004 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2019
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.