JB-COOLING
ActiveThe computed 12-month bankruptcy probability of JB-COOLING is 2.1% (moderate). The 2025 annual accounts show equity of €34k and a net result of €3k. Equity is growing by ~39.4% per year across the filed fiscal years. Its solvency ranks better than 60% of 27407 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
83
/ 100
Excellent▼ -17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▼-55
Solvency97▲+1
Growth78=
Stability94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.24 against 2.02 in 2024), and 44% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
56%
Return on assets
5%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
7 d early
2023
8 d early
2022
16 d late
2021
13 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▼ 5.2%
2024 · €36k
2021: €5k
2022: €21k
2023: €24k
2024: €36k
2021 → 2025
Total assets
€60k▼ 12.2%
2024 · €69k
2021: €52k
2022: €119k
2023: €66k
2024: €69k
2021 → 2025
Net result
€3k▼ 82.7%
2024 · €18k
2021: €2k
2022: €16k
2023: €3k
2024: €18k
2021 → 2025
Working capital
€33k▼ 1.8%
2024 · €34k
2021: €4k
2022: €20k
2023: €22k
2024: €34k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€21k▲ 334%€24k▲ 14.5%€36k▲ 48.8%€34k▼ 5.2%
Operating result€3k-€22k▲ 555%€4k▼ 80.1%€25k▲ 467%€6k▼ 75.5%
Net result€2k-€16k▲ 595%€3k▼ 81.2%€18k▲ 481%€3k▼ 82.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 76% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€721▼ 63.0%
Current assets
€59k▼ 10.7%
Equity and liabilities €60k
Equity
€34k▼ 5.2%
Debt
€26k▼ 19.8%
The debt ratio falls from 48.2% to 44.0%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€8k▼
2024 · €26k
Cash flow
€5k▼
2024 · €19k
Solvency
56.0%▲
2024 · 51.8%
Current ratio
2.24▲
2024 · 2.02
Quick ratio
1.15▼
2024 · 1.52
Debt / equity
0.79▼
2024 · 0.93
ROE
9.0%▼
2024 · 49.4%
ROA
5.0%▼
2024 · 25.6%
Interest coverage
3.31▼
2024 · 7.69
Debt
€26k▼
2024 · €33k
Debt ≤ 1 year
€26k▼
2024 · €33k
Income taxes
€1k▼
2024 · €5k
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€69k€60k▼
Fixed assets21/28€2k€721▼
Tangible fixed assets22/27€2k€146▼
Plant, machinery and equipment23€216€31▼
Furniture and vehicles24€1k€115▼
Financial fixed assets28€242€575▲
Current assets29/58€67k€59k▼
Stocks and contracts in progress3€16k€29k▲
Stocks30/36€16k€29k▲
Amounts receivable within one year40/41€43k€18k▼
Trade receivables40€36k€15k▼
Other amounts receivable41€7k€3k▼
Cash at bank and in hand54/58€6k€13k▲
Deferred charges and accrued income490/1€1k€296▼
Equity and liabilities
Total equity and liabilities10/49€69k€60k▼
Equity10/15€36k€34k▼
Contributions10/11€3k€3k=
Reserves13€33k€31k▼
Distributable reserves133€33k€31k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€33k€26k▼
Amounts payable within one year42/48€33k€26k▼
Trade debts44€26k€17k▼
Suppliers440/4€26k€17k▼
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€6k€7k▲
Other amounts payable47/48€882€2k▲
Income statement
Code20242025
Non-recurring operating income76A€17€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€7k€0▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€35k€10k▼
Operating profit (loss)9901€25k€6k▼
Financial income75/76B€2k€653▼
Recurring financial income75€2k€653▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€23k€4k▼
Income taxes67/77€5k€1k▼
Profit (loss) for the period9904€18k€3k▼
Profit (loss) for the period to be appropriated9905€18k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€3k▼
Transfer from equity791/2€6k€5k▼
Transfer to equity691/2€18k€3k▼
To other reserves6921€18k€3k▼
Profit to be distributed694/7€6k€5k▼
Return on contributions (dividend)694€6k€5k▼
The notes to these accounts (10 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €18k ▲481%
Operating result €25k, net result €18k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Nijlen · 1 establishment unit since 2020
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.
Beenderstraat 182560 NijlenGround area
706 m²
Building footprint
94 m²
Volume, LiDAR
465 m³
Parcel 12026C0005/00R000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JB-COOLING
since 20202.311.010.746
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12026C0005/00R000 | Flanders | 705 m² | 1 · 94 m² | 8.8 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 683 EUR awarded · 683 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 108 EUR | 108 EUR |
| 2022 | 1 | 575 EUR | 575 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,478 companies in sector 43222 we hold annual accounts for 5,625. 4,123 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2020
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
33110Repair and maintenance of fabricated metal products
43221Plumbing work
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jb.koeling@gmail.com