JBE LAW
ActiveSummary
JBE LAW has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €173k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 16% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency39▼-29
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.99 against 1.34 in 2024; short-term debt: 85.9% and cash: 67.6% of total assets), and 85.9% of the assets are financed with debt.
Credit check 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
14.1%
Return on assets
49.3%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 12738 sector peers (2025).
NBB · sector comparisonPosition among 12738 sector peers
Solvency
better than 16%
← weakest
strongest →
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 31-03-2026, 122 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
122 d early
2024
34 d early
2023
20 d early
2022
41 d early
2021
30 d early
2020
9 d late
2019
32 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▼ 66.3%
2024 · €147k
2018: €42k
2019: €81k
2020: €173k
2021: €150k
2022: €162k
2023: €147k
2024: €147k
2018 → 2025
Total assets
€351k▲ 2.6%
2024 · €342k
2018: €278k
2019: €268k
2020: €338k
2021: €267k
2022: €272k
2023: €344k
2024: €342k
2018 → 2025
Net result
€173k▲ 15.1%
2024 · €150k
2018: €30k
2019: €40k
2020: €92k
2021: €78k
2022: €106k
2023: €135k
2024: €150k
2018 → 2025
Working capital
€-2k
2024 · €67k
2018: €42k
2019: €11k
2020: €104k
2021: €3k
2022: €40k
2023: €46k
2024: €67k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€150k-€162k▲ 8.1%€147k▼ 9.2%€147k=€50k▼ 66.3%
Operating result€99k-€137k▲ 38.9%€175k▲ 27.8%€195k▲ 11.3%€224k▲ 14.7%
Net result€78k-€106k▲ 35.8%€135k▲ 27.5%€150k▲ 11.0%€173k▲ 15.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €351k
Fixed assets
€52k ▼ 35.0%
Current assets
€299k ▲ 14.1%
Equity and liabilities €351k
Equity
€50k ▼ 66.3%
Debt
€301k ▲ 54.5%
Debt's share of the balance-sheet total rises from 57.0% to 85.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€252k▲
2024 · €223k
Cash flow
€201k▲
2024 · €178k
Current ratio
0.99▼
2024 · 1.34
Debt to equity
6.08▲
2024 · 1.33
ROE
348.9%▲
2024 · 102.2%
ROA
49.3%▲
2024 · 43.9%
Interest coverage
615.37▼
2024 · 954.00
Debt ≤ 1 year
€301k▲
2024 · €195k
Income taxes
€53k▲
2024 · €45k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€342k€351k▲
Fixed assets21/28€80k€52k▼
Intangible fixed assets21€74k€49k▼
Tangible fixed assets22/27€5k€3k▼
Furniture and vehicles24€5k€3k▼
Financial fixed assets28€42€42=
Current assets29/58€262k€299k▲
Amounts receivable within one year40/41€56k€61k▲
Trade receivables40€56k€39k▼
Other amounts receivable41-€21k
Cash at bank and in hand54/58€205k€237k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€342k€351k▲
Equity10/15€147k€50k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€127k€29k▼
Amounts payable17/49€195k€301k▲
Amounts payable within one year42/48€195k€301k▲
Trade debts44€10k€14k▲
Suppliers440/4€10k€14k▲
Taxes, remuneration and social security45€33k€17k▼
Taxes450/3€33k€17k▼
Other amounts payable47/48€152k€270k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▲
Other operating charges640/8€387€969▲
Gross operating margin9900€223k€253k▲
Operating profit (loss)9901€195k€224k▲
Financial income75/76B-€2k
Recurring financial income75-€2k
Financial charges65/66B€233€409▲
Recurring financial charges65€233€409▲
Profit (loss) for the period before taxes9903€195k€225k▲
Income taxes67/77€45k€53k▲
Profit (loss) for the period9904€150k€173k▲
Profit (loss) for the period to be appropriated9905€150k€173k▲
Appropriation of the result
Profit (loss) to be appropriated9906€277k€299k▲
Profit (loss) brought forward from the previous period14P€127k€127k=
Profit to be distributed694/7€150k€270k▲
Return on contributions (dividend)694€150k€270k▲
The notes to these accounts (8 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €173k ▲15.1%
Operating result €224k, net result €173k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €162k ▲8.1%
5 profitable years in a row build equity to €162k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 2.64
Current ratio from 1.17 to 2.64.
31-12
Financial
Equity above €150kEq €173k ▲113%
3 profitable years in a row build equity to €173k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Namur · 1 establishment unit since 2018
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.
Rue J.B. Brabant 565000 Namur1 establishment unit
JBE LAW sprl
since 20182.274.727.303
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Of 22,056 companies in sector 69101 we hold annual accounts for 9,055. 7,262 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2018
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filings
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:j.bouillard@bvavocats.be
Phone:0496/177992
Fax:081/220456