JAN IBENS
ActiveJAN IBENS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €14k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 25% of 218 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-9
Solvency48▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.95 against 2.15 in 2024; short-term debt: 17.4% and cash: 19.4% of total assets), but 77% 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 32
Relative position
BE, all sectors
reference
Sector 32
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
23%
Return on assets
4.9%
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 25% of 218 sector peers (2025).
NBB · sector comparisonPosition among 218 sector peers
Solvency
better than 25%
← 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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
6 d early
2023
35 d early
2022
28 d early
2021
26 d early
2020
24 d early
2019
3 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€67k▼ 3.2%
2024 · €69k
2018: €82k
2019: €75k
2020: €74k
2021: €64k
2022: €74k
2023: €72k
2024: €69k
2018 → 2025
Total assets
€291k▲ 3.0%
2024 · €282k
2018: €147k
2019: €140k
2020: €129k
2021: €124k
2022: €118k
2023: €118k
2024: €282k
2018 → 2025
Net result
€14k▲ 546%
2024 · €2k
2018: €19k
2019: €3k
2020: €21k
2021: €16k
2022: €19k
2023: €10k
2024: €2k
2018 → 2025
Working capital
€48k▼ 11.7%
2024 · €55k
2018: €72k
2019: €65k
2020: €62k
2021: €49k
2022: €54k
2023: €66k
2024: €55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€74k▲ 14.4%€72k▼ 2.4%€69k▼ 3.9%€67k▼ 3.2%
Operating result€21k-€27k▲ 28.4%€15k▼ 44.3%€9k▼ 38.3%€29k▲ 206%
Net result€16k-€19k▲ 23.5%€10k▼ 49.7%€2k▼ 77.2%€14k▲ 546%
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 206% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €291k
Fixed assets
€192k▲ 6.6%
Current assets
€99k▼ 3.3%
Equity and liabilities €291k
Equity
€67k▼ 3.2%
Debt
€224k▲ 5.0%
The debt ratio rises from 75.5% to 77.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€44k▲
2024 · €42k
Cash flow
€30k▼
2024 · €35k
Solvency
23.0%▼
2024 · 24.5%
Current ratio
1.95▼
2024 · 2.15
Quick ratio
1.51▲
2024 · 1.44
Debt / equity
3.35▲
2024 · 3.09
ROE
21.3%▲
2024 · 3.2%
ROA
4.9%▲
2024 · 0.8%
Interest coverage
4.31▼
2024 · 6.33
Debt
€224k▲
2024 · €213k
Debt ≤ 1 year
€51k▲
2024 · €48k
Debt > 1 year
€173k▲
2024 · €166k
Income taxes
€4k▲
2024 · €550
Staff costs
€97k▲
2024 · €94k
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€282k€291k▲
Fixed assets21/28€180k€192k▲
Tangible fixed assets22/27€179k€191k▲
Land and buildings22€163k€154k▼
Plant, machinery and equipment23€7k€27k▲
Furniture and vehicles24€9k€10k▲
Financial fixed assets28€655€655=
Current assets29/58€102k€99k▼
Stocks and contracts in progress3€34k€22k▼
Stocks30/36€34k€22k▼
Amounts receivable within one year40/41€29k€20k▼
Trade receivables40€20k€15k▼
Other amounts receivable41€8k€5k▼
Cash at bank and in hand54/58€40k€56k▲
Deferred charges and accrued income490/1€190€275▲
Equity and liabilities
Total equity and liabilities10/49€282k€291k▲
Equity10/15€69k€67k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€30k€28k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€28k€26k▼
Profit (loss) carried forward14€20k€20k=
Amounts payable17/49€213k€224k▲
Amounts payable after more than one year17€166k€173k▲
Financial debts170/4€166k€173k▲
Amounts payable within one year42/48€48k€51k▲
Current portion of amounts payable after more than one year42€5k€9k▲
Financial debts43€4k€4k▲
Credit institutions430/8€4k€4k▲
Trade debts44€12k€3k▼
Suppliers440/4€12k€3k▼
Taxes, remuneration and social security45€27k€28k▲
Taxes450/3€17k€18k▲
Remuneration and social security454/9€10k€10k▲
Other amounts payable47/48-€6k
Income statement
Code20242025
Non-recurring operating income76A€5k-
Goods, raw materials, services and sundry goods60/61€306k€300k▼
Remuneration, social security and pensions62€94k€97k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€16k▼
Other operating charges640/8€2k€4k▲
Gross operating margin9900€138k€146k▲
Operating profit (loss)9901€9k€29k▲
Financial income75/76B€11€2▼
Recurring financial income75€11€2▼
Financial charges65/66B€7k€10k▲
Recurring financial charges65€7k€10k▲
Profit (loss) for the period before taxes9903€3k€18k▲
Income taxes67/77€550€4k▲
Profit (loss) for the period9904€2k€14k▲
Profit (loss) for the period to be appropriated9905€2k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€34k▲
Profit (loss) brought forward from the previous period14P€23k€20k▼
Transfer from equity791/2-€11k
Transfer to equity691/2-€9k
To other reserves6921-€9k
Profit to be distributed694/7€5k€16k▲
Return on contributions (dividend)694-€11k
Directors or managers695€5k€5k=
The notes to these accounts (8 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €2k ▼77.2%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €21k ▲636%
Net result €21k, the highest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
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
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, Antwerpen · 1 establishment unit since 2009
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.
Vestingstraat 642018 AntwerpenGround area
345 m²
Building footprint
205 m²
Volume, LiDAR
730 m³
Parcel 11808H1182/00F019, Flanders · tallest building 16.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JAN IBENS
since 20092.183.409.622
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1182/00F019 | Flanders | 345 m² | 1 · 205 m² | 16.1 m · 1 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
Toti Equestrian
BE 0789.278.310
Berlaar · Eq €67k
ELO BIJOUX
BE 0712.854.285
Gerpinnes · Eq €68k
PEELAERS FRANCIS
BE 0841.029.986
Kuurne · Eq €65k
EL - ER - ES
BE 0433.112.720
Antwerpen · Eq €63k
PA.NA.MA.
BE 0846.551.464
Esneux · Eq €72k
Of 1,530 companies in sector 32123 we hold annual accounts for 225. 181 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2009
Fiscal year end31-12
Activities, NACEBEL
32123Manufacture of jewellery
32124Other manufacturing
32129Other manufacturing
64200Holdings
64210Activities of holding companies
95250Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.