JBeans
ActiveSummary
JBeans has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €28k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 59% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency93▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.5 against 3.02 in 2024; short-term debt: 31.5% and cash: 31.5% of total assets), and 31.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
68.5%
Return on assets
64.7%
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
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 29-06-2026, 32 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
32 d early
2024
30 d early
2023
30 d early
2022
21 d early
2021
34 d early
2020
4 d late
2019
28 d late
← 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
€30k▼ 11.0%
2024 · €34k
Total assets
€44k▼ 8.1%
2024 · €48k
Net result
€28k▼ 13.0%
2024 · €33k
Working capital
€21k▼ 26.5%
2024 · €28k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€31k▲ 75.1%€28k▼ 10.9%€25k▼ 11.1%€43k▲ 74.1%€37k▼ 14.4%
Net result€24k▲ 86.1%€21k▼ 11.6%€19k▼ 8.8%€33k▲ 71.0%€28k▼ 13.0%
Equity€54k▲ 76.7%€75k▲ 38.4%€41k▼ 45.2%€34k▼ 18.2%€30k▼ 11.0%
Total assets€63k▲ 81.2%€86k▲ 37.6%€58k▼ 33.2%€48k▼ 17.3%€44k▼ 8.1%
Debt€8k▲ 117%€11k▲ 32.5%€16k▲ 48.2%€14k▼ 14.9%€14k▼ 1.1%
Working capital€56k▲ 83.4%€72k▲ 28.3%€37k▼ 48.0%€28k▼ 24.3%€21k▼ 26.5%
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 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44k
Fixed assets
€9k ▲ 68.9%
Current assets
€35k ▼ 18.1%
Equity and liabilities €44k
Equity
€30k ▼ 11.0%
Debt
€14k ▼ 1.1%
Debt's share of the balance-sheet total rises from 29.3% to 31.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€40k▼
2024 · €46k
Cash flow
€31k▼
2024 · €35k
Current ratio
2.50▼
2024 · 3.02
Debt to equity
0.46▲
2024 · 0.41
ROE
94.5%▼
2024 · 96.6%
ROA
64.7%▼
2024 · 68.3%
Interest coverage
24.37▼
2024 · 28.41
Debt ≤ 1 year
€14k▼
2024 · €14k
Income taxes
€7k▼
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €270 | €644 | €2k | €3k | €3k | ▲ 5.5% |
| Other operating charges640/8 | €724 | €849 | €890 | €699 | €718 | ▲ 2.8% |
| Gross operating margin9900 | €32k | €29k | €27k | €46k | €40k | ▼ 12.9% |
| Operating profit (loss)9901 | €31k | €28k | €25k | €43k | €37k | ▼ 14.4% |
| Financial income75/76B | - | €40 | - | - | €0 | - |
| Recurring financial income75 | - | €40 | - | - | €0 | - |
| Financial charges65/66B | €378 | €329 | €818 | €2k | €2k | ▲ 1.2% |
| Recurring financial charges65 | €378 | €329 | €818 | €2k | €2k | ▲ 1.2% |
| Profit (loss) for the period before taxes9903 | €31k | €27k | €24k | €41k | €35k | ▼ 15.0% |
| Income taxes67/77 | €7k | €7k | €5k | €9k | €7k | ▼ 22.5% |
| Profit (loss) for the period9904 | €24k | €21k | €19k | €33k | €28k | ▼ 13.0% |
| Profit (loss) for the period to be appropriated9905 | €24k | €21k | €19k | €33k | €28k | ▼ 13.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €63k | €86k | €58k | €48k | €44k | ▼ 8.1% |
| Fixed assets21/28 | - | €3k | €4k | €5k | €9k | ▲ 68.9% |
| Tangible fixed assets22/27 | - | €3k | €4k | €5k | €9k | ▲ 68.9% |
| Plant, machinery and equipment23 | - | - | €2k | €1k | €289 | ▼ 72.3% |
| Furniture and vehicles24 | - | €3k | €2k | €4k | €9k | ▲ 102% |
| Current assets29/58 | €63k | €83k | €54k | €42k | €35k | ▼ 18.1% |
| Amounts receivable within one year40/41 | €24k | €13k | €22k | €24k | €21k | ▼ 14.9% |
| Trade receivables40 | €24k | €10k | €22k | €24k | €16k | ▼ 35.1% |
| Other amounts receivable41 | - | €2k | - | €20 | €5k | ▲ 24,987% |
| Cash at bank and in hand54/58 | €38k | €62k | €29k | €14k | €14k | ▼ 3.4% |
| Deferred charges and accrued income490/1 | €695 | €9k | €2k | €4k | €171 | ▼ 95.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €63k | €86k | €58k | €48k | €44k | ▼ 8.1% |
| Equity10/15 | €54k | €75k | €41k | €34k | €30k | ▼ 11.0% |
| Contributions10/11 | €1k | €1k | €1k | €1k | €1k | = |
| Reserves13 | €53k | €74k | €40k | €33k | €29k | ▼ 11.3% |
| Distributable reserves133 | €53k | €74k | €40k | €33k | €29k | ▼ 11.3% |
| Profit (loss) carried forward14 | €1 | €40 | €47 | €50 | €34 | ▼ 33.4% |
| Amounts payable17/49 | €8k | €11k | €16k | €14k | €14k | ▼ 1.1% |
| Amounts payable within one year42/48 | €7k | €11k | €16k | €14k | €14k | ▼ 1.1% |
| Trade debts44 | €2k | €5k | €3k | €612 | €3k | ▲ 324% |
| Suppliers440/4 | €2k | €5k | €3k | €612 | €3k | ▲ 324% |
| Taxes, remuneration and social security45 | €5k | €6k | €5k | €9k | €4k | ▼ 51.6% |
| Taxes450/3 | €5k | €6k | - | €9k | €4k | ▼ 51.6% |
| Remuneration and social security454/9 | - | - | €5k | - | - | - |
| Other amounts payable47/48 | - | - | €9k | €4k | €7k | ▲ 56.2% |
| Accrued charges and deferred income492/3 | €2k | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24k | €21k | €19k | €33k | €28k | ▼ 13.0% |
| + Depreciation and write-downs630 | €270 | €644 | €2k | €3k | €3k | ▲ 5.5% |
| Operating cash flow (approximation) | €24k | €21k | €21k | €35k | €31k | ▼ 11.5% |
| Investment in fixed assets (approximation) | - | - | €-2k | €-4k | €-7k | ▼ 53.9% |
| Change in cash | - | €23k | €-32k | €-15k | €-482 | ▲ 96.8% |
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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €33k ▲71%
Operating result €43k, net result €33k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-12
Financial
Weakest financial yearnet €13k ▼25.8%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 8.91
Current ratio from 2.18 to 8.91; short-term debt falls from €15k to €4k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2018
Ground area
165 m²
Building footprint
67 m²
Volume, LiDAR
583 m³
Parcel 46018A0141/00A006, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JBeans
since 20182.277.100.833
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46018A0141/00A006 | Flanders | 165 m² | 1 · 67 m² | 11.2 m · 3 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 30,002 companies in sector 62200 we hold annual accounts for 18,390. 14,332 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
Founded25-06-2018
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
77330Rental and leasing activities
Scores and ratios are computed by Checked and are not a credit decision.