JarTho
ActiveJarTho has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €741k and a net result of €46k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 87% of 7318 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▲+8
Solvency78▼-22
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 2.79 in 2024), and 20.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
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
79.9%
Return on assets
5%
Age of the figures
14 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-03-2026, 31 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
31 d late
2024
20 d late
2023
28 d late
2022
42 d early
2021
41 d early
2020
5 d early
2019
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€741k▼ 1.8%
2024 · €754k
2019: €666k
2020: €754k
2021: €880k
2022: €991k
2023: €880k
2024: €754k
2019 → 2025
Total assets
€927k▲ 12.8%
2024 · €822k
2019: €1.08M
2020: €1.17M
2021: €1.30M
2022: €1.29M
2023: €987k
2024: €822k
2019 → 2025
Net result
€46k▲ 35.0%
2024 · €34k
2019: €98k
2020: €88k
2021: €127k
2022: €111k
2023: €163k
2024: €34k
2019 → 2025
Working capital
€1k▼ 98.8%
2024 · €93k
2019: €246k
2020: €5k
2021: €152k
2022: €296k
2023: €196k
2024: €93k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€880k-€991k▲ 12.6%€880k▼ 11.2%€754k▼ 14.3%€741k▼ 1.8%
Operating result€187k-€170k▼ 9.2%€248k▲ 45.7%€54k▼ 78.2%€26k▼ 52.1%
Net result€127k-€111k▼ 12.3%€163k▲ 47.0%€34k▼ 79.0%€46k▲ 35.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 52% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €927k
Fixed assets
€860k▲ 27.0%
Current assets
€68k▼ 53.4%
Equity and liabilities €927k
Equity
€741k▼ 1.8%
Debt
€187k▲ 176%
The debt ratio rises from 8.2% to 20.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€134k▲
2024 · €115k
Cash flow
€154k▲
2024 · €95k
Solvency
79.9%▼
2024 · 91.8%
Current ratio
1.02▼
2024 · 2.79
Quick ratio
1.02▼
2024 · 2.79
Debt / equity
0.25▲
2024 · 0.09
ROE
6.2%▲
2024 · 4.5%
ROA
5.0%▲
2024 · 4.2%
Interest coverage
27.61▼
2024 · 27.88
Debt
€187k▲
2024 · €68k
Debt ≤ 1 year
€67k▲
2024 · €52k
Debt > 1 year
€119k
Income taxes
€12k▼
2024 · €17k
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€822k€927k▲
Fixed assets21/28€677k€860k▲
Tangible fixed assets22/27€677k€859k▲
Land and buildings22€619k€815k▲
Furniture and vehicles24€58k€44k▼
Financial fixed assets28€30€30=
Current assets29/58€145k€68k▼
Amounts receivable within one year40/41€9k€2k▼
Trade receivables40€9k€2k▼
Other amounts receivable41€236-
Current investments50/53€124k-
Cash at bank and in hand54/58€6k€66k▲
Deferred charges and accrued income490/1€7k-
Equity and liabilities
Total equity and liabilities10/49€822k€927k▲
Equity10/15€754k€741k▼
Contributions10/11€19k€19k=
Reserves13€736k€722k▼
Distributable reserves133€736k€722k▼
Amounts payable17/49€68k€187k▲
Amounts payable after more than one year17-€119k
Financial debts170/4-€119k
Amounts payable within one year42/48€52k€67k▲
Current portion of amounts payable after more than one year42€6k€20k▲
Trade debts44€7k€960▼
Suppliers440/4€7k€960▼
Advances received on contracts in progress46-€4k
Taxes, remuneration and social security45€12k€10k▼
Taxes450/3€12k€10k▼
Other amounts payable47/48€27k€32k▲
Accrued charges and deferred income492/3€16k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€61k€108k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-3k
Other operating charges640/8€7k€7k▲
Gross operating margin9900€122k€139k▲
Operating profit (loss)9901€54k€26k▼
Financial income75/76B€2k€37k▲
Recurring financial income75€2k€37k▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€52k€58k▲
Income taxes67/77€17k€12k▼
Profit (loss) for the period9904€34k€46k▲
Profit (loss) for the period to be appropriated9905€34k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€46k▲
Transfer from equity791/2€160k€60k▼
Transfer to equity691/2€34k€46k▲
To other reserves6921€34k€46k▲
Profit to be distributed694/7€160k€60k▼
Return on contributions (dividend)694€160k€60k▼
The notes to these accounts (11 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
03-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
20-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
30-06
Financial
Weakest financial yearnet €34k ▼79%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
30-06
Financial
Highest result since 2019net €163k ▲47%
Operating result €248k, net result €163k, both a record.
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
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, Steenokkerzeel · 1 establishment unit since 2008
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.
Boektsestraat 79/B1820 SteenokkerzeelGround area
2,050 m²
Building footprint
335 m²
Volume, LiDAR
2,212 m³
2 parcels, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JarTho
since 20082.170.528.319
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23065A0162/00H002 | Flanders | 1,025 m² | 1 · 168 m² | 7.8 m · 2 fl. |
| 23065A0162/00Y000 | Flanders | 1,025 m² | 1 · 167 m² | 11.4 m · 3 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.
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GEBROEDERS LENAERTS
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Of 2,429 companies in sector 41003 we hold annual accounts for 1,047. 570 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-03-2008
Fiscal year end30-06
Activities, NACEBEL
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.