JB SARTOR
ActiveJB SARTOR has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €25k. Equity is growing by ~43.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency92▼-5
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 3.01 against 3.61 in 2024; short-term debt: 32.5% and cash: 68.1% of total assets), and 32.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
67.3%
Return on assets
31.9%
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 03-07-2026, 28 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
28 d early
2024
3 d early
2023
20 d early
2022
34 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€53k▼ 39.4%
2024 · €87k
2022: €17k
2023: €53k
2024: €87k
2022 → 2025
Total assets
€78k▼ 34.9%
2024 · €120k
2022: €32k
2023: €87k
2024: €120k
2022 → 2025
Net result
€25k▼ 27.1%
2024 · €34k
2022: €15k
2023: €37k
2024: €34k
2022 → 2025
Working capital
€51k▼ 40.8%
2024 · €86k
2022: €16k
2023: €52k
2024: €86k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€17k-€53k▲ 214%€87k▲ 65.0%€53k▼ 39.4%
Operating result€20k-€53k▲ 161%€45k▼ 15.5%€35k▼ 21.2%
Net result€15k-€37k▲ 153%€34k▼ 6.8%€25k▼ 27.1%
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 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€2k▲ 355%
Current assets
€77k▼ 36.0%
Equity and liabilities €78k
Equity
€53k▼ 39.4%
Debt
€26k▼ 23.0%
The debt ratio rises from 27.6% to 32.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€36k▼
2024 · €45k
Cash flow
€25k▼
2024 · €35k
Solvency
67.3%▼
2024 · 72.4%
Current ratio
3.01▼
2024 · 3.61
Quick ratio
3.01▼
2024 · 3.61
Debt / equity
0.49▲
2024 · 0.38
ROE
47.4%▲
2024 · 39.4%
ROA
31.9%▲
2024 · 28.5%
Interest coverage
11.20▼
2024 · 34.21
Debt
€26k▼
2024 · €33k
Debt ≤ 1 year
€25k▼
2024 · €33k
Income taxes
€7k▼
2024 · €9k
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€120k€78k▼
Fixed assets21/28€341€2k▲
Tangible fixed assets22/27€341€2k▲
Plant, machinery and equipment23€341-
Furniture and vehicles24-€2k
Current assets29/58€120k€77k▼
Amounts receivable within one year40/41€14k€16k▲
Trade receivables40€14k€16k▲
Other amounts receivable41€126-
Current investments50/53-€4k
Cash at bank and in hand54/58€102k€53k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€120k€78k▼
Equity10/15€87k€53k▼
Contributions10/11€3k€3k=
Reserves13€84k€50k▼
Distributable reserves133€84k€50k▼
Amounts payable17/49€33k€26k▼
Amounts payable within one year42/48€33k€25k▼
Financial debts43€1k€1k▲
Credit institutions430/8€1k€1k▲
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€25k€12k▼
Taxes450/3€25k€12k▼
Other amounts payable47/48€2k€4k▲
Accrued charges and deferred income492/3-€130
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€405€376▼
Other operating charges640/8€387€1k▲
Gross operating margin9900€46k€37k▼
Operating profit (loss)9901€45k€35k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€43k€32k▼
Income taxes67/77€9k€7k▼
Profit (loss) for the period9904€34k€25k▼
Profit (loss) for the period to be appropriated9905€34k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€25k▼
Transfer from equity791/2-€34k
Transfer to equity691/2€34k-
To other reserves6921€34k-
Profit to be distributed694/7-€59k
Return on contributions (dividend)694-€59k
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €37k ▲153%
Operating result €53k, net result €37k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Merelbeke-Melle · 1 establishment unit since 2022
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.
Koningin Elisabethlaan 419820 Merelbeke-MelleGround area
180 m²
Building footprint
72 m²
Volume, LiDAR
495 m³
Parcel 44043A0163/00Z002, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JB SARTOR
since 20222.334.377.254
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44043A0163/00Z002 | Flanders | 180 m² | 1 · 72 m² | 10.0 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 82,569 companies in sector 70200 we hold annual accounts for 52,577. 38,340 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-08-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.