JANPOL

Active

Private limited companyfounded 200620 yrs activeBergense Steenweg 668, 1070 Anderlecht, BelgiumKBO/BCE: BE 0879.440.008

The computed 12-month bankruptcy probability of JANPOL is 2.0% (moderate). The 2024 annual accounts show equity of €37k and a net result of €-4k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 49% of 36373 sector peers (fiscal year 2024). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

47 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability35▼-15

Solvency71▲+3

Growth32▼-20

Track record100

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity ample (current ratio 1.99 against 1.55 in 2023; short-term debt: 41.5% and cash: 2.2% of total assets), but 54.3% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2024

Solvency, return and age of the figures

Solvency

45.7%

Return on assets

-5.3%

Age of the figures

21 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2024

Net result per financial year

18192021222324

2018 to 2024 · latest year €-4k

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-08-2025, 21 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 filings

Deviation from the deadline

2025

not confirmed

2024

21 d late

2023

84 d late

2022

3 d early

2021

22 d late

2020

90 d late

2019

98 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€37k▼ 10.5%

2023 · €41k

2018: €39k 2019: €42k 2020: €35k 2021: €39k 2022: €47k 2023: €41k

2018 → 2024

Total assets

€81k▼ 16.5%

2023 · €97k

2018: €53k 2019: €45k 2020: €39k 2021: €94k 2022: €109k 2023: €97k

2018 → 2024

Net result

€-4k▲ 30.8%

2023 · €-6k

2018: €2k 2019: €3k 2020: €-7k 2021: €4k 2022: €9k 2023: €-6k

2018 → 2024

Working capital

€33k▲ 61.6%

2023 · €21k

2018: €34k 2019: €43k 2020: €36k 2021: €17k 2022: €22k 2023: €21k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€35k-€39k▲ 11.1%€47k▲ 22.2%€41k▼ 13.2%€37k▼ 10.5%

Operating result€-6k-€6k€14k▲ 145%€-3k€-2k▲ 17.1%

Net result€-7k-€4k€9k▲ 122%€-6k€-4k▲ 30.8%

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 €2k in 2024 against €3k in 2023; the loss shrinks.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €81k

17.4%

82.6%

Fixed assets €14k▼ 63.8%

Current assets €67k▲ 15.1%

Equity and liabilities €81k

45.7%

52.0%

Equity €37k▼ 10.5%

Provisions €2k=

Debt €42k▼ 21.6%

The debt ratio falls from 55.4% to 52.0%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€5k▼

2023 · €12k

Cash flow

€3k▼

2023 · €8k

Solvency

45.7%▲

2023 · 42.6%

Current ratio

1.99▲

2023 · 1.55

Quick ratio

1.99▲

2023 · 1.55

Debt / equity

1.14▼

2023 · 1.30

ROE

-11.7%▲

2023 · -15.1%

ROA

-5.3%▲

2023 · -6.5%

Interest coverage

2.74▼

2023 · 4.71

Debt

€42k▼

2023 · €54k

Debt ≤ 1 year

€33k▼

2023 · €37k

Debt > 1 year

€8k▼

2023 · €16k

Income taxes

€125▼

2023 · €827

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€97k€81k▼

Fixed assets21/28€39k€14k▼

Tangible fixed assets22/27€38k€13k▼

Furniture and vehicles24€38k€13k▼

Financial fixed assets28€884€884=

Current assets29/58€58k€67k▲

Amounts receivable within one year40/41€57k€53k▼

Trade receivables40€55k€47k▼

Other amounts receivable41€2k€6k▲

Cash at bank and in hand54/58€9€2k▲

Deferred charges and accrued income490/1€468€12k▲

Equity and liabilities

Total equity and liabilities10/49€97k€81k▼

Equity10/15€41k€37k▼

Contributions10/11€8k€8k=

Reserves13€2k€2k=

Distributable reserves133€2k€2k=

Profit (loss) carried forward14€31k€27k▼

Provisions and deferred taxes16€2k€2k=

Provisions for liabilities and charges160/5€2k€2k=

Other liabilities and charges164/5€2k€2k=

Amounts payable17/49€54k€42k▼

Amounts payable after more than one year17€16k€8k▼

Financial debts170/4€16k€8k▼

Amounts payable within one year42/48€37k€33k▼

Current portion of amounts payable after more than one year42€5k€5k▼

Financial debts43€9k€4k▼

Credit institutions430/8€9k€4k▼

Trade debts44€19k€21k▲

Suppliers440/4€19k€21k▲

Taxes, remuneration and social security45€2k-

Taxes450/3€2k-

Other amounts payable47/48€2k€4k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€7k▼

Other operating charges640/8€50€229▲

Non-recurring operating charges66A-€6k

Gross operating margin9900€12k€11k▼

Operating profit (loss)9901€-3k€-2k▲

Financial charges65/66B€2k€2k▼

Recurring financial charges65€2k€2k▼

Profit (loss) for the period before taxes9903€-5k€-4k▲

Income taxes67/77€827€125▼

Profit (loss) for the period9904€-6k€-4k▲

Profit (loss) for the period to be appropriated9905€-6k€-4k▲

Appropriation of the result

Profit (loss) to be appropriated9906€31k€27k▼

Profit (loss) brought forward from the previous period14P€38k€31k▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 14Financial 4Filings 10

2025

21-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 21 days late

2024

23-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 84 days late

2023

28-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Highest result since 2018net €9k ▲122%

Operating result €14k, net result €9k, both a record.

22-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 22 days late

2021

31-12

Financial Back to profitnet €4k

Net result €4k after one loss-making year.

29-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 90 days late

2020

31-12

Financial Weakest financial yearnet €-7k ▼351%

Net result drops to €-7k, the lowest in the series; recovery starts the following year.

06-11

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 98 days late

2019

31-12

Financial Liquidity times 7current ratio 24.60

Current ratio from 3.75 to 24.60; short-term debt falls from €12k to €2k.

25-09

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 56 days late

2018

28-09

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 59 days late

2017

29-09

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 60 days late

2016

30-09

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema · 61 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2021

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

10-03-2021 Resigned as Manager

Location & real-estate footprint

Registered office, Anderlecht · 1 establishment unit since 2006

establishment The establishment unit on the map

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.

Bergense Steenweg 6681070 Anderlecht

Ground area

1,362 m²

Building footprint

650 m²

Volume, LiDAR