JANEL
ActiveJANEL has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €-2k. Equity is growing by ~25.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+70
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 40.19 against 8.23 in 2024; short-term debt: 2.5% and cash: 17.1% of total assets), and 2.5% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
97.5%
Return on assets
-3.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-2k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 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 · 10 filingsDeviation from the deadline
2025
40 d late
2024
41 d late
2023
7 d early
2022
30 d late
2021
77 d late
2020
60 d late
2019
53 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€19k
EBIT margin
-0.1%
Net result
€-2k▲ 73.9%
2024 · €-6k
2018: €6k
2019: €15k
2020: €24k
2021: €26k
2022: €10k
2023: €1k
2024: €-6k
2018 → 2025
Working capital
€41k▲ 2.5%
2024 · €40k
2018: €-28k
2019: €-13k
2020: €11k
2021: €28k
2022: €36k
2023: €45k
2024: €40k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€19k
Equity€39k-€49k▲ 24.5%€50k▲ 2.4%€43k▼ 13.0%€42k▼ 3.9%
Operating result€39k-€17k▼ 57.5%€2k▼ 87.1%€-5k€-11▲ 99.8%
Net result€26k-€10k▼ 64.0%€1k▼ 87.8%€-6k€-2k▲ 73.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11 in 2025 against €5k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€279▼ 95.2%
Current assets
€42k▼ 7.7%
Equity and liabilities €43k
Equity
€42k▼ 3.9%
Debt
€1k▼ 87.5%
The debt ratio falls from 16.3% to 2.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6k
Cash flow
€4k
Solvency
97.5%▲
2024 · 83.7%
Current ratio
40.19▲
2024 · 8.23
Quick ratio
40.19▲
2024 · 8.23
Debt / equity
0.03▼
2024 · 0.19
ROE
-4.0%▲
2024 · -14.9%
ROA
-3.9%▲
2024 · -12.5%
Interest coverage
7.72
Debt
€1k▼
2024 · €8k
Debt ≤ 1 year
€1k▼
2024 · €6k
Income taxes
€954▲
2024 · €555
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€52k€43k▼
Fixed assets21/28€6k€279▼
Tangible fixed assets22/27€6k€203▼
Plant, machinery and equipment23€808-
Furniture and vehicles24€5k€203▼
Financial fixed assets28€76€76=
Current assets29/58€46k€42k▼
Amounts receivable within one year40/41€37k€6k▼
Trade receivables40€9k€6k▼
Other amounts receivable41€28k-
Current investments50/53-€28k
Cash at bank and in hand54/58€9k€7k▼
Deferred charges and accrued income490/1-€220
Equity and liabilities
Total equity and liabilities10/49€52k€43k▼
Equity10/15€43k€42k▼
Contributions10/11€7k€7k=
Reserves13€24k€24k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€22k€22k=
Profit (loss) carried forward14€13k€11k▼
Amounts payable17/49€8k€1k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€6k€1k▼
Trade debts44€6k€1k▼
Suppliers440/4€6k€1k▼
Other amounts payable47/48€46-
Income statement
Code20242025
Turnover70-€19k
Goods, raw materials, services and sundry goods60/61-€13k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€6k
Other operating charges640/8-€519
Gross operating margin9900€-5k€6k▲
Operating profit (loss)9901€-5k€-11▲
Financial charges65/66B€1k€713▼
Recurring financial charges65€1k€713▼
Profit (loss) for the period before taxes9903€-6k€-724▲
Income taxes67/77€555€954▲
Profit (loss) for the period9904€-6k€-2k▲
Profit (loss) for the period to be appropriated9905€-6k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€11k▼
Profit (loss) brought forward from the previous period14P€19k€13k▼
Transfer to equity691/2€0-
To the legal reserve6920€0-
The notes to these accounts (5 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
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 40 days late
2025
31-12
Financial
Liquidity times 5current ratio 40.19
Current ratio from 8.23 to 40.19; short-term debt falls from €6k to €1k.
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 41 days late
2024
31-12
Financial
Weakest financial yearnet €-6k ▼653%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 5.78
Current ratio from 2.36 to 5.78; short-term debt falls from €26k to €9k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
16-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 77 days late
2021
31-12
Financial
Highest result since 2018net €26k ▲11.8%
Operating result €39k, net result €26k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Liquidity quadruplescurrent ratio 2.27
Current ratio from 0.60 to 2.27; short-term debt falls from €33k to €9k.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Kraainem · 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.
Esselveldstraat 28A1950 KraainemGround area
605 m²
Building footprint
119 m²
Volume, LiDAR
442 m³
Parcel 22002A0314/00W020, Flanders · tallest building 7.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JANEL
since 20092.178.142.225
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002A0314/00W020 | Flanders | 605 m² | 1 · 119 m² | 7.9 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.
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Of 4,013 companies in sector 43310 we hold annual accounts for 1,745. 1,498 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-04-2009
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.