JARDIN-CONFORT
ActiveJARDIN-CONFORT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €457k and a net result of €32k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 55% of 2041 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
68
/ 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
Profitability73▲+7
Solvency71▲+8
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.43 in 2024; short-term debt: 53.7% and cash: 19.7% of total assets), but 53.7% 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
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
46.3%
Return on assets
3.2%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
109 d late
2023
76 d late
2022
102 d late
2021
2 d late
2020
5 d early
2019
133 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€32k
2024 · €-27k
2018: €115k
2019: €313k
2020: €288k
2021: €423k
2022: €410k
2023: €-123k
2024: €-27k
2018 → 2025
Working capital
€322k▲ 10.3%
2024 · €292k
2018: €114k
2019: €190k
2020: €243k
2021: €325k
2022: €367k
2023: €277k
2024: €292k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€466k-€576k▲ 23.7%€453k▼ 21.4%€425k▼ 6.0%€457k▲ 7.5%
Operating result€570k-€545k▼ 4.4%€-122k€-24k▲ 80.5%€21k
Net result€423k-€410k▼ 3.0%€-123k€-27k▲ 77.8%€32k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €21k after a loss of €24k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €987k
Fixed assets
€136k▼ 9.8%
Current assets
€851k▼ 11.5%
Equity and liabilities €987k
Equity
€457k▲ 7.5%
Debt
€530k▼ 22.9%
The debt ratio falls from 61.7% to 53.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95k▲
2024 · €73k
Cash flow
€105k▲
2024 · €69k
Solvency
46.3%▲
2024 · 38.3%
Current ratio
1.61▲
2024 · 1.43
Quick ratio
1.56▲
2024 · 1.40
Debt / equity
1.16▼
2024 · 1.61
ROE
6.9%▲
2024 · -6.4%
ROA
3.2%▲
2024 · -2.5%
Interest coverage
31.14▲
2024 · 11.77
Debt
€530k▼
2024 · €687k
Debt ≤ 1 year
€530k▼
2024 · €670k
Income taxes
€270▲
2024 · €219
Staff costs
€418k▼
2024 · €585k
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€1.11M€987k▼
Fixed assets21/28€150k€136k▼
Intangible fixed assets21-€39k
Tangible fixed assets22/27€138k€87k▼
Plant, machinery and equipment23€24k€23k▼
Furniture and vehicles24€66k€34k▼
Other tangible fixed assets26€48k€30k▼
Financial fixed assets28€13k€10k▼
Current assets29/58€962k€851k▼
Stocks and contracts in progress3€25k€27k▲
Stocks30/36€25k€27k▲
Amounts receivable within one year40/41€614k€464k▼
Trade receivables40€335k€279k▼
Other amounts receivable41€279k€185k▼
Current investments50/53€101k€102k▲
Cash at bank and in hand54/58€188k€194k▲
Deferred charges and accrued income490/1€33k€65k▲
Equity and liabilities
Total equity and liabilities10/49€1.11M€987k▼
Equity10/15€425k€457k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€405k€437k▲
Amounts payable17/49€687k€530k▼
Amounts payable after more than one year17€16k-
Financial debts170/4€16k-
Amounts payable within one year42/48€670k€530k▼
Current portion of amounts payable after more than one year42€75k€18k▼
Trade debts44€448k€392k▼
Suppliers440/4€448k€392k▼
Taxes, remuneration and social security45€48k€20k▼
Taxes450/3€12€93▲
Remuneration and social security454/9€48k€20k▼
Other amounts payable47/48€100k€100k▼
Income statement
Code20242025
Non-recurring operating income76A€14-
Remuneration, social security and pensions62€585k€418k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€97k€74k▼
Other operating charges640/8€10k€8k▼
Non-recurring operating charges66A€821€21k▲
Gross operating margin9900€670k€542k▼
Operating profit (loss)9901€-24k€21k▲
Financial income75/76B€3k€14k▲
Recurring financial income75€1k€3k▲
Non-recurring financial income76B€2k€11k▲
Financial charges65/66B€6k€3k▼
Recurring financial charges65€6k€3k▼
Profit (loss) for the period before taxes9903€-27k€32k▲
Income taxes67/77€219€270▲
Profit (loss) for the period9904€-27k€32k▲
Profit (loss) for the period to be appropriated9905€-27k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€405k€437k▲
Profit (loss) brought forward from the previous period14P€432k€405k▼
Social balance
Average headcount (FTE)90879.06.7▼
The notes to these accounts (12 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €32k
Net result €32k after 2 loss-making years.
17-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 109 days late
2024
15-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 76 days late
2023
31-12
Financial
Weakest financial yearnet €-123k ▼130%
Net result drops to €-123k, the lowest in the series; recovery starts the following year.
10-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 102 days late
2022
31-12
Financial
Equity above €500kEq €576k ▲23.7%
5 profitable years in a row build equity to €576k.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 2 days late
2021
31-12
Financial
Highest result since 2018net €423k ▲46.8%
Operating result €570k, net result €423k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
11-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 133 days late
2019
31-12
Financial
Equity above €200kEq €240k ▲63.3%
2 profitable years in a row build equity to €240k.
22-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 83 days late
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 52 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Ukkel · 1 establishment unit since 2012
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.
Alsembergsesteenweg 8421180 UkkelGround area
8.0 ha
Building footprint
4,298 m²
Volume, LiDAR
6,528 m³
2 parcels, Brussels, Wallonia · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jardin-Confort
since 20122.206.409.213
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92253D0287/00F000 | Wallonia | 7.8 ha | 1 · 3,209 m² | - |
| 21614E0126/00A002 | Brussels | 1,616 m² | 1 · 1,089 m² | 12.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
3 categoriesJARDIN-CONFORT SRL44353
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Of 7,294 companies in sector 43350 we hold annual accounts for 2,361. 1,380 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded08-12-2006
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.