JB DESIGN
ActiveSummary
JB DESIGN has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €366,655 and a net result of €69,361. Equity is growing by ~25.8% per year across the filed fiscal years. Its solvency ranks better than 75% of 2610 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▼-12
Solvency91▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 1.9 against 1.82 in 2024; short-term debt: 26.6% and cash: 23.2% of total assets), and 34.1% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
65.9%
Return on assets
12.5%
Age of the figures
9 mo
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
61 d late
2023
30 d late
2022
60 d late
2021
28 d late
2020
28 d late
2019
92 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 43 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€366,655▲ 23.3%
2024 · €297,294
Total assets
€556,727▲ 16.9%
2024 · €476,332
Net result
€69,361▼ 33.1%
2024 · €103,673
Working capital
€133,051▲ 32.4%
2024 · €100,505
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€6,941▼ 89.3%€10,800▲ 55.6%€67,978▲ 529%€157,901▲ 132%€108,288▼ 31.4%
Net result€5,119within the sector's middle half▼ 90.2%€6,859within the sector's middle half▲ 34.0%€50,624above the sector's middle half▲ 638%€103,673above the sector's middle half▲ 105%€69,361above the sector's middle half▼ 33.1%
Equity€136,137above the sector's middle half▲ 3.9%€142,997above the sector's middle half▲ 5.0%€193,621above the sector's middle half▲ 35.4%€297,294above the sector's middle half▲ 53.5%€366,655above the sector's middle half▲ 23.3%
Total assets€203,625within the sector's middle half▲ 11.3%€418,242above the sector's middle half▲ 105%€381,256above the sector's middle half▼ 8.8%€476,332above the sector's middle half▲ 24.9%€556,727above the sector's middle half▲ 16.9%
Debt€64,488▲ 31.9%€272,245▲ 322%€184,635▼ 32.2%€176,038▼ 4.7%€190,073▲ 8.0%
Working capital€50,198within the sector's middle half▲ 2.7%-€2,273within the sector's middle half€23,966within the sector's middle half€100,505above the sector's middle half▲ 319%€133,051above the sector's middle half▲ 32.4%
Solvency66.9%above the sector's middle half▼ 4.8pp34.2%within the sector's middle half▼ 32.7pp50.8%within the sector's middle half▲ 16.6pp62.4%within the sector's middle half▲ 11.6pp65.9%above the sector's middle half▲ 3.4pp
Current ratio1.78within the sector's middle half▼ 0.220.99within the sector's middle half▼ 0.791.23within the sector's middle half▲ 0.251.82within the sector's middle half▲ 0.591.90within the sector's middle half▲ 0.08
Return on assets (ROA)2.5%within the sector's middle half▼ 26.0pp1.6%within the sector's middle half▼ 0.9pp13.3%within the sector's middle half▲ 11.6pp21.8%above the sector's middle half▲ 8.5pp12.5%within the sector's middle half▼ 9.3pp
Staff (FTE)0.8
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
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 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €556,727
Fixed assets
€275,652 ▲ 8.6%
Current assets
€281,075 ▲ 26.3%
Equity and liabilities €556,727
Equity
€366,655 ▲ 23.3%
Provisions
€0 ▼ 100%
Debt
€190,073 ▲ 8.0%
Debt's share of the balance-sheet total falls from 37.0% to 34.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€176,568▼
2024 · €205,374
Cash flow
€137,640▼
2024 · €151,146
Quick ratio
1.84▲
2024 · 1.77
Debt to equity
0.52▼
2024 · 0.59
ROE
18.9%▼
2024 · 34.9%
Interest coverage
52.31▼
2024 · 81.45
Debt ≤ 1 year
€148,024▲
2024 · €122,080
Debt > 1 year
€42,049▼
2024 · €53,932
Income taxes
€35,861▼
2024 · €51,706
Staff costs
€27,113
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,696 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €1,455 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | - | - | - | - | €27,113 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,901 | €34,188 | €43,203 | €47,473 | €68,280 | ▲ 43.8% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | -€3,000 | - |
| Other operating charges640/8 | €2,182 | €1,981 | €3,049 | €4,782 | €4,174 | ▼ 12.7% |
| Gross operating margin9900 | €28,024 | €46,969 | €114,231 | €210,156 | €204,854 | ▼ 2.5% |
| Operating profit (loss)9901 | €6,941 | €10,800 | €67,978 | €157,901 | €108,288 | ▼ 31.4% |
| Financial income75/76B | €1,056 | €275 | €0 | €0 | €308 | - |
| Recurring financial income75 | €1,056 | €275 | €0 | €0 | €308 | - |
| Non-recurring financial income76B | €0 | - | - | - | - | - |
| Financial charges65/66B | €1,173 | €4,011 | €3,860 | €2,522 | €3,375 | ▲ 33.9% |
| Recurring financial charges65 | €1,173 | €4,011 | €3,860 | €2,522 | €3,375 | ▲ 33.9% |
| Profit (loss) for the period before taxes9903 | €6,824 | €7,064 | €64,118 | €155,379 | €105,221 | ▼ 32.3% |
| Income taxes67/77 | €1,704 | €205 | €13,494 | €51,706 | €35,861 | ▼ 30.6% |
| Profit (loss) for the period9904 | €5,119 | €6,859 | €50,624 | €103,673 | €69,361 | ▼ 33.1% |
| Profit (loss) for the period to be appropriated9905 | €5,119 | €6,859 | €50,624 | €103,673 | €69,361 | ▼ 33.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €203,625 | €418,242 | €381,256 | €476,332 | €556,727 | ▲ 16.9% |
| Fixed assets21/28 | €88,940 | €256,568 | €254,010 | €253,747 | €275,652 | ▲ 8.6% |
| Tangible fixed assets22/27 | €88,915 | €256,543 | €253,985 | €253,722 | €275,627 | ▲ 8.6% |
| Land and buildings22 | €68,639 | €195,851 | €169,777 | €143,703 | €117,630 | ▼ 18.1% |
| Plant, machinery and equipment23 | €19,384 | €38,037 | €31,320 | €20,416 | €23,130 | ▲ 13.3% |
| Furniture and vehicles24 | €892 | €14,655 | €38,970 | €32,157 | €84,276 | ▲ 162% |
| Other tangible fixed assets26 | - | €8,000 | €13,918 | €57,446 | €50,592 | ▼ 11.9% |
| Financial fixed assets28 | €25 | €25 | €25 | €25 | €25 | = |
| Current assets29/58 | €114,685 | €161,674 | €127,246 | €222,585 | €281,075 | ▲ 26.3% |
| Stocks and contracts in progress3 | €6,400 | €10,125 | €9,421 | €6,125 | €9,450 | ▲ 54.3% |
| Stocks30/36 | €6,400 | €10,125 | €9,421 | €6,125 | €9,450 | ▲ 54.3% |
| Amounts receivable within one year40/41 | €106,803 | €80,876 | €38,066 | €86,040 | €137,045 | ▲ 59.3% |
| Trade receivables40 | €94,456 | €78,697 | €30,721 | €77,593 | €132,898 | ▲ 71.3% |
| Other amounts receivable41 | €12,347 | €2,178 | €7,345 | €8,447 | €4,147 | ▼ 50.9% |
| Cash at bank and in hand54/58 | - | €67,903 | €77,777 | €126,194 | €129,007 | ▲ 2.2% |
| Deferred charges and accrued income490/1 | €1,482 | €2,770 | €1,982 | €4,225 | €5,572 | ▲ 31.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €203,625 | €418,242 | €381,256 | €476,332 | €556,727 | ▲ 16.9% |
| Equity10/15 | €136,137 | €142,997 | €193,621 | €297,294 | €366,655 | ▲ 23.3% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €117,537 | €124,397 | €175,021 | €278,694 | €348,055 | ▲ 24.9% |
| Non-distributable reserves130/1 | €1,860 | €0 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €0 | - | - | - | - |
| Tax-exempt reserves132 | €69 | €69 | €69 | €69 | €69 | = |
| Distributable reserves133 | €115,609 | €124,328 | €174,952 | €278,625 | €347,986 | ▲ 24.9% |
| Provisions and deferred taxes16 | €3,000 | €3,000 | €3,000 | €3,000 | €0 | ▼ 100% |
| Provisions for liabilities and charges160/5 | €3,000 | €3,000 | €3,000 | €3,000 | €0 | ▼ 100% |
| Other liabilities and charges164/5 | €3,000 | €3,000 | €3,000 | €3,000 | €0 | ▼ 100% |
| Amounts payable17/49 | €64,488 | €272,245 | €184,635 | €176,038 | €190,073 | ▲ 8.0% |
| Amounts payable after more than one year17 | - | €108,298 | €81,355 | €53,932 | €42,049 | ▼ 22.0% |
| Financial debts170/4 | - | €108,298 | €81,355 | €53,932 | €42,049 | ▼ 22.0% |
| Amounts payable within one year42/48 | €64,488 | €163,947 | €103,280 | €122,080 | €148,024 | ▲ 21.3% |
| Current portion of amounts payable after more than one year42 | - | €26,473 | €26,944 | €27,423 | €41,166 | ▲ 50.1% |
| Financial debts43 | €16,134 | €0 | - | - | - | - |
| Credit institutions430/8 | €16,134 | €0 | - | - | - | - |
| Trade debts44 | €18,230 | €110,831 | €40,851 | €25,208 | €14,951 | ▼ 40.7% |
| Suppliers440/4 | €18,230 | €110,831 | €40,851 | €25,208 | €14,951 | ▼ 40.7% |
| Advances received on contracts in progress46 | €7,089 | €707 | €707 | €707 | €707 | = |
| Taxes, remuneration and social security45 | €23,035 | €6,340 | €15,860 | €68,743 | €79,834 | ▲ 16.1% |
| Taxes450/3 | €21,043 | €6,340 | €15,860 | €66,379 | €70,440 | ▲ 6.1% |
| Remuneration and social security454/9 | €1,992 | €0 | - | €2,364 | €9,394 | ▲ 297% |
| Other amounts payable47/48 | - | €19,596 | €18,919 | €0 | €11,366 | - |
| Accrued charges and deferred income492/3 | - | - | - | €26 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,119 | €6,859 | €50,624 | €103,673 | €69,361 | ▼ 33.1% |
| + Depreciation and write-downs630 | €18,901 | €34,188 | €43,203 | €47,473 | €68,280 | ▲ 43.8% |
| Operating cash flow (approximation) | €24,020 | €41,047 | €93,828 | €151,146 | €137,640 | ▼ 8.9% |
| Investment in fixed assets (approximation) | - | -€201,816 | -€40,646 | -€47,210 | -€90,185 | ▼ 91.0% |
| Change in cash | - | - | €9,874 | €48,417 | €2,813 | ▼ 94.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €103,673 ▲105%
Operating result €157,901, net result €103,673, both a record.
31-12
Financial
Equity above €200,000Eq €297,294 ▲53.5%
7 profitable years in a row build equity to €297,294.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €150,000Eq €193,621 ▲35.4%
6 profitable years in a row build equity to €193,621.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
31-12
Financial
Weakest financial yearnet €5,119 ▼90.2%
Net result drops to €5,119, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
31-12
Financial
Equity above €100,000Eq €131,018 ▲66.2%
3 profitable years in a row build equity to €131,018.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
Show earlier events
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 2008
Ground area
294 m²
Building footprint
89 m²
Volume, LiDAR
445 m³
Parcel 44038B0029/00Y003, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JB DESIGN
since 20082.170.717.171
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038B0029/00Y003 | Flanders | 294 m² | 1 · 89 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,878 companies in sector 95314 we hold annual accounts for 848. 660 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-05-2008
Fiscal year end31-12
Activities, NACEBEL 2025
95314Bodywork repair (including spraying and painting)
Contact
E-mail
joeribracke@hotmail.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0897711937
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.