JB Fixing is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €196k and a net result of €76k. Equity is growing by ~23.7% per year across the filed fiscal years. Its solvency ranks better than 77% of 8018 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 11-03-2026, 142 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
142 d early
2024
17 d early
2023
19 d early
2022
24 d early
2021
39 d early
2020
40 d early
2019
30 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€196k▲ 22.8%
2024 · €160k
2019: €26k
2020: €90k
2021: €173k
2022: €108k
2023: €84k
2024: €160k
2019 → 2025
Net result
€76k▲ 1.0%
2024 · €76k
2019: €25k
2020: €65k
2021: €84k
2022: €105k
2023: €81k
2024: €76k
2019 → 2025
Total assets
€247k▲ 25.7%
2024 · €196k
2019: €41k
2020: €146k
2021: €216k
2022: €290k
2023: €230k
2024: €196k
2019 → 2025
Solvency
79.5%▼ 1.9pp
2024 · 81.4%
2019: 65.0%
2020: 61.6%
2021: 79.8%
2022: 37.4%
2023: 36.6%
2024: 81.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€173k-€108k▼ 37.3%€84k▼ 22.4%€160k▲ 89.9%€196k▲ 22.8%
Operating result€107k-€136k▲ 27.1%€104k▼ 23.8%€97k▼ 6.4%€116k▲ 19.6%
Net result€84k-€105k▲ 25.0%€81k▼ 23.0%€76k▼ 6.8%€76k▲ 1.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 20% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €247k
Fixed assets
€80k▲ 579%
Current assets
€166k▼ 9.8%
Equity and liabilities €247k
Equity
€196k▲ 22.8%
Debt
€51k▲ 38.3%
The debt ratio rises from 18.6% to 20.5%. Equity and debt are higher.
Key figures and ratios
Solvency
79.5%▼
2024 · 81.4%
ROE
39.0%▼
2024 · 47.3%
ROA
31.0%▼
2024 · 38.5%
Debt
€51k▲
2024 · €37k
Debt ≤ 1 year
€51k▲
2024 · €37k
Income taxes
€25k▲
2024 · €20k
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€196k€247k▲
Fixed assets21/28€12k€80k▲
Tangible fixed assets22/27€12k€80k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€8k€76k▲
Other tangible fixed assets26€3k€3k▼
Current assets29/58€184k€166k▼
Amounts receivable within one year40/41€71k€93k▲
Trade receivables40€71k€93k▲
Other amounts receivable41€85€0▼
Current investments50/53€34k€59k▲
Cash at bank and in hand54/58€60k€14k▼
Deferred charges and accrued income490/1€19k€337▼
Equity and liabilities
Total equity and liabilities10/49€196k€247k▲
Equity10/15€160k€196k▲
Contributions10/11€3k€3k=
Reserves13€157k€193k▲
Distributable reserves133€157k€193k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€37k€51k▲
Amounts payable within one year42/48€37k€51k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€2k€14k▲
Taxes450/3€2k€14k▲
Other amounts payable47/48€31k€34k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€16k▲
Other operating charges640/8€563€577▲
Gross operating margin9900€100k€132k▲
Operating profit (loss)9901€97k€116k▲
Financial income75/76B€625€3k▲
Recurring financial income75€625€3k▲
Financial charges65/66B€2k€18k▲
Recurring financial charges65€2k€18k▲
Profit (loss) for the period before taxes9903€96k€101k▲
Income taxes67/77€20k€25k▲
Profit (loss) for the period9904€76k€76k▲
Profit (loss) for the period to be appropriated9905€76k€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€76k▲
Transfer from equity791/2€0€40k▲
Transfer to equity691/2€76k€76k▲
To other reserves6921€76k€76k▲
Profit to be distributed694/7€0€40k▲
Return on contributions (dividend)694€0€40k▲
The notes to these accounts (6 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
11-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 5.04
Current ratio from 1.50 to 5.04; short-term debt falls from €146k to €37k.
31-12
Financial
Equity above €150kEq €160k ▲89.9%
6 profitable years in a row build equity to €160k.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €105k ▲25%
Operating result €136k, net result €105k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €173k ▲91.8%
3 profitable years in a row build equity to €173k.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Pelt · 1 establishment unit since 2019
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.
Schansbeemd 103900 PeltGround area
956 m²
Building footprint
182 m²
Volume, LiDAR
999 m³
Parcel 72029A0142/00K000, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JB Fixing
since 20192.289.042.424
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72029A0142/00K000 | Flanders | 956 m² | 1 · 182 m² | 6.4 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,516 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.