JB
ActiveThe computed 12-month bankruptcy probability of JB is 3.0% (moderate). The 2025 annual accounts show equity of €44k and a net result of €-9k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 84% of 4564 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth42▼-7
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.47 against 12.69 in 2024; short-term debt: 22% and cash: 0.9% of total assets), and 22% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 49
Relative position
BE, all sectors
reference
Sector 49
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
78%
Return on assets
-15.9%
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 €-9k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 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
34 d early
2023
29 d late
2022
11 d late
2021
16 d late
2020
15 d late
2019
5 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
€35k▼ 23.5%
2024 · €45k
2020: €41k
2021: €36k
2022: €53k
2023: €72k
2024: €45k
2020 → 2025
EBIT margin
-25.6%▲ 0.3pp
2024 · -25.9%
2020: 25.1%
2021: 39.9%
2022: 6.5%
2023: 3.7%
2024: -25.9%
2020 → 2025
Net result
€-9k▲ 24.3%
2024 · €-12k
2018: €-1k
2019: €3k
2020: €10k
2021: €13k
2022: €3k
2023: €2k
2024: €-12k
2018 → 2025
Working capital
€31k▼ 11.0%
2024 · €34k
2018: €25k
2019: €25k
2020: €41k
2021: €39k
2022: €49k
2023: €41k
2024: €34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€36k-€53k▲ 44.5%€72k▲ 36.5%€45k▼ 36.9%€35k▼ 23.5%
Equity€60k-€63k▲ 5.5%€65k▲ 2.9%€53k▼ 18.3%€44k▼ 16.9%
Operating result€15k-€3k▼ 76.5%€3k▼ 22.3%€-12k€-9k▲ 24.4%
Net result€13k-€3k▼ 75.1%€2k▼ 45.0%€-12k€-9k▲ 24.3%
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 €9k in 2025 against €12k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €56k
Fixed assets
€13k▼ 29.0%
Current assets
€43k▲ 15.1%
Equity and liabilities €56k
Equity
€44k▼ 16.9%
Debt
€12k▲ 281%
The debt ratio rises from 5.8% to 22.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-3k▲
2024 · €-6k
Cash flow
€-3k▲
2024 · €-6k
Solvency
78.0%▼
2024 · 94.2%
Current ratio
3.47▼
2024 · 12.69
Quick ratio
3.47▼
2024 · 12.69
Debt / equity
0.28▲
2024 · 0.06
ROE
-20.4%▲
2024 · -22.3%
ROA
-15.9%▲
2024 · -21.1%
Interest coverage
-53.27▲
2024 · -96.89
Debt
€12k▲
2024 · €3k
Debt ≤ 1 year
€12k▲
2024 · €3k
Staff costs
€639▼
2024 · €8k
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€56k€56k▲
Fixed assets21/28€19k€13k▼
Tangible fixed assets22/27€19k€13k▼
Furniture and vehicles24€19k€13k▼
Financial fixed assets28€310€310=
Current assets29/58€37k€43k▲
Amounts receivable after more than one year29-€27k
Trade receivables290-€27k
Amounts receivable within one year40/41€7k€15k▲
Trade receivables40-€8k
Other amounts receivable41€7k€7k▲
Cash at bank and in hand54/58€30k€488▼
Deferred charges and accrued income490/1€496€400▼
Equity and liabilities
Total equity and liabilities10/49€56k€56k▲
Equity10/15€53k€44k▼
Contributions10/11€19k€19k=
Reserves13€4k€4k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€3k€3k=
Profit (loss) carried forward14€30k€21k▼
Amounts payable17/49€3k€12k▲
Amounts payable within one year42/48€3k€12k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€2k€11k▲
Remuneration and social security454/9€2k€11k▲
Accrued charges and deferred income492/3€312-
Income statement
Code20242025
Turnover70€45k€35k▼
Goods, raw materials, services and sundry goods60/61€43k€39k▼
Remuneration, social security and pensions62€8k€639▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€2k€1k▼
Gross operating margin9900€3k€-1k▼
Operating profit (loss)9901€-12k€-9k▲
Financial charges65/66B€65€64▼
Recurring financial charges65€65€64▼
Profit (loss) for the period before taxes9903€-12k€-9k▲
Profit (loss) for the period9904€-12k€-9k▲
Profit (loss) for the period to be appropriated9905€-12k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€21k▼
Profit (loss) brought forward from the previous period14P€42k€30k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-12k ▼754%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 16.59
Current ratio from 6.94 to 16.59; short-term debt falls from €8k to €3k.
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Highest result since 2018net €13k ▲31.1%
Operating result €15k, net result €13k, both a record.
15-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 15 days late
2020
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
19-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 19 days late
2017
05-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 36 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Elsene · 2 establishment units 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.
Louizalaan 2511050 ElseneGround area
6,104 m²
Building footprint
2,430 m²
Volume, LiDAR
55,862 m³
3 parcels, Brussels, Flanders · tallest building 46.6 m, ±13 floors. Linked by address, not a title deed.
2 establishment units
JB
since 20082.172.364.983
JB
since 20222.342.491.602
3 parcels
Flanders
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0078/00B004 | Brussels | 4,364 m² | 1 · 768 m² | 16.6 m · 4 fl. |
| 21807G0135/00T003 | Brussels | 1,574 m² | 1 · 1,579 m² | 46.6 m · 13 fl. |
| 23069A0148/00B002 | Flanders | 165 m² | 1 · 83 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,963 EUR awarded · 1,963 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,963 EUR | 1,963 EUR |
Schemes
Individueel Maatwerk
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Of 6,687 companies in sector 49330 we hold annual accounts for 2,291. 1,905 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-07-2008
Fiscal year end31-12
Activities, NACEBEL
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
49390Land transport and transport via pipelines
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.