JAN DEMEY is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.32M and a net result of €138k. Equity is growing by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 60% of 5511 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 08-04-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
1 d early
2023
5 d early
2022
2 d early
2021
9 d early
2020
4 d early
2019
13 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
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.32M▲ 6.3%
2024 · €2.18M
2018: €-54k
2019: €3k
2020: €67k
2021: €123k
2022: €2.02M
2023: €2.11M
2024: €2.18M
2018 → 2025
Net result
€138k▲ 90.1%
2024 · €73k
2018: €32k
2019: €57k
2020: €65k
2021: €55k
2022: €1.89M
2023: €90k
2024: €73k
2018 → 2025
Total assets
€3.74M▲ 1.8%
2024 · €3.68M
2018: €1.36M
2019: €1.23M
2020: €1.22M
2021: €2.05M
2022: €4.05M
2023: €3.97M
2024: €3.68M
2018 → 2025
Solvency
61.9%▲ 2.7pp
2024 · 59.3%
2018: -4.0%
2019: 0.2%
2020: 5.5%
2021: 6.0%
2022: 49.8%
2023: 53.0%
2024: 59.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€123k-€2.02M▲ 1,542%€2.11M▲ 4.5%€2.18M▲ 3.4%€2.32M▲ 6.3%
Operating result€83k-€223k▲ 171%€186k▼ 16.6%€161k▼ 13.6%€164k▲ 1.8%
Net result€55k-€1.89M▲ 3,321%€90k▼ 95.2%€73k▼ 19.3%€138k▲ 90.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.74M
Fixed assets
€3.30M▲ 1.6%
Current assets
€439k▲ 2.7%
Equity and liabilities €3.74M
Equity
€2.32M▲ 6.3%
Debt
€1.42M▼ 4.9%
The debt ratio falls from 40.7% to 38.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
61.9%▲
2024 · 59.3%
ROE
6.0%▲
2024 · 3.3%
ROA
3.7%▲
2024 · 2.0%
Debt
€1.42M▼
2024 · €1.50M
Debt ≤ 1 year
€553k▲
2024 · €458k
Debt > 1 year
€860k▼
2024 · €1.02M
Income taxes
€50k▲
2024 · €32k
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€3.68M€3.74M▲
Fixed assets21/28€3.25M€3.30M▲
Tangible fixed assets22/27€1.41M€1.34M▼
Land and buildings22€1.03M€990k▼
Plant, machinery and equipment23€26k€31k▲
Furniture and vehicles24€51k€50k▼
Leasing and similar rights25€61k€40k▼
Other tangible fixed assets26€247k€235k▼
Financial fixed assets28€1.84M€1.96M▲
Current assets29/58€427k€439k▲
Amounts receivable after more than one year29€105k€216k▲
Other amounts receivable291€105k€216k▲
Amounts receivable within one year40/41€254k€183k▼
Trade receivables40€242k€90k▼
Other amounts receivable41€12k€92k▲
Cash at bank and in hand54/58€57k€29k▼
Deferred charges and accrued income490/1€12k€11k▼
Equity and liabilities
Total equity and liabilities10/49€3.68M€3.74M▲
Equity10/15€2.18M€2.32M▲
Contributions10/11€30k€30k=
Revaluation surpluses12€25k€25k=
Reserves13€2.12M€2.26M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€56k€56k=
Distributable reserves133€2.07M€2.21M▲
Amounts payable17/49€1.50M€1.42M▼
Amounts payable after more than one year17€1.02M€860k▼
Financial debts170/4€591k€498k▼
Other amounts payable178/9€428k€361k▼
Amounts payable within one year42/48€458k€553k▲
Current portion of amounts payable after more than one year42€120k€133k▲
Financial debts43€308k€350k▲
Credit institutions430/8€308k€350k▲
Trade debts44€11k€18k▲
Suppliers440/4€11k€18k▲
Taxes, remuneration and social security45€20k€52k▲
Taxes450/3€20k€52k▲
Accrued charges and deferred income492/3€20k€12k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€105k€104k▼
Other operating charges640/8€11k€17k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€277k€285k▲
Operating profit (loss)9901€161k€164k▲
Financial income75/76B€411€67k▲
Recurring financial income75€411€3k▲
Non-recurring financial income76B-€65k
Financial charges65/66B€56k€44k▼
Recurring financial charges65€56k€44k▼
Profit (loss) for the period before taxes9903€105k€188k▲
Income taxes67/77€32k€50k▲
Profit (loss) for the period9904€73k€138k▲
Profit (loss) for the period to be appropriated9905€73k€138k▲
Appropriation of the result
Profit (loss) to be appropriated9906€73k€138k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€73k€138k▲
To other reserves6921€73k€138k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (21 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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2018net €1.89M ▲3321%
Operating result €223k, net result €1.89M, both a record.
30-09
Financial
Equity above €2MEq €2.02M ▲1542%
5 profitable years in a row build equity to €2.02M.
21-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Equity above €100kEq €123k ▲82.1%
4 profitable years in a row build equity to €123k.
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
17-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
24-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Brugge · 1 establishment unit since 2001
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.
Daverlostraat 1648310 BruggeGround area
2.6 ha
Building footprint
275 m²
Volume, LiDAR
2,566 m³
Parcel 31434C0232/00S000, Flanders · tallest building 15.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JAN DEMEY
since 20012.226.838.304
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31434C0232/00S000 | Flanders | 2.6 ha | 1 · 274 m² | 15.1 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 10,466 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2001
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.