JBERG
ActiveJBERG has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €282k and a net result of €52k. Equity is growing by ~35.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▼-6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 7.66 against 9.52 in 2024; short-term debt: 9.1% and cash: 53.9% of total assets), and 9.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
90.9%
Return on assets
16.8%
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
13 d late
2024
34 d early
2023
26 d early
2022
3 d late
2021
34 d early
2020
34 d early
2019
7 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€282k▲ 22.7%
2024 · €229k
2018: €42k
2019: €42k
2020: €56k
2021: €73k
2022: €117k
2023: €173k
2024: €229k
2018 → 2025
Total assets
€310k▲ 20.9%
2024 · €256k
2018: €71k
2019: €66k
2020: €66k
2021: €89k
2022: €151k
2023: €236k
2024: €256k
2018 → 2025
Net result
€52k▼ 7.2%
2024 · €56k
2018: €-2k
2019: €76
2020: €14k
2021: €17k
2022: €45k
2023: €56k
2024: €56k
2018 → 2025
Working capital
€188k▼ 17.9%
2024 · €228k
2018: €19k
2019: €27k
2020: €48k
2021: €73k
2022: €117k
2023: €172k
2024: €228k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€117k▲ 61.4%€173k▲ 48.0%€229k▲ 32.4%€282k▲ 22.7%
Operating result€25k-€62k▲ 151%€79k▲ 26.2%€77k▼ 2.5%€73k▼ 5.3%
Net result€17k-€45k▲ 163%€56k▲ 26.0%€56k▲ 0.1%€52k▼ 7.2%
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 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €310k
Fixed assets
€94k▲ 8,184%
Current assets
€216k▼ 15.5%
Equity and liabilities €310k
Equity
€282k▲ 22.7%
Debt
€28k▲ 5.0%
The debt ratio falls from 10.5% to 9.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€107k▲
2024 · €77k
Cash flow
€87k▲
2024 · €57k
Solvency
90.9%▲
2024 · 89.5%
Current ratio
7.66▼
2024 · 9.52
Quick ratio
7.66▼
2024 · 9.52
Debt / equity
0.10▼
2024 · 0.12
ROE
18.5%▼
2024 · 24.5%
ROA
16.8%▼
2024 · 21.9%
Interest coverage
548.36▲
2024 · 169.86
Debt
€28k▲
2024 · €27k
Debt ≤ 1 year
€28k▲
2024 · €27k
Income taxes
€21k▼
2024 · €21k
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€256k€310k▲
Fixed assets21/28€1k€94k▲
Tangible fixed assets22/27€1k€94k▲
Land and buildings22-€3k
Furniture and vehicles24€1k€91k▲
Current assets29/58€255k€216k▼
Amounts receivable within one year40/41€39k€49k▲
Trade receivables40€33k€18k▼
Other amounts receivable41€6k€31k▲
Cash at bank and in hand54/58€194k€167k▼
Deferred charges and accrued income490/1€22k€0▼
Equity and liabilities
Total equity and liabilities10/49€256k€310k▲
Equity10/15€229k€282k▲
Contributions10/11€13k€13k=
Reserves13€217k€269k▲
Distributable reserves133€217k€269k▲
Amounts payable17/49€27k€28k▲
Amounts payable within one year42/48€27k€28k▲
Financial debts43-€746
Credit institutions430/8-€746
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€7k€8k▲
Other amounts payable47/48€17k€18k▲
Income statement
Code20242025
Non-recurring operating income76A-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€373€35k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€78k€109k▲
Operating profit (loss)9901€77k€73k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€453€196▼
Recurring financial charges65€453€196▼
Profit (loss) for the period before taxes9903€78k€74k▼
Income taxes67/77€21k€21k▼
Profit (loss) for the period9904€56k€52k▼
Profit (loss) for the period to be appropriated9905€56k€52k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€52k▼
Transfer to equity691/2€56k€52k▼
To other reserves6921€56k€52k▼
The notes to these accounts (11 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €56k ▲0.1%
Net result €56k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 9.52
Current ratio from 3.74 to 9.52; short-term debt falls from €63k to €27k.
31-12
Financial
Equity above €200kEq €229k ▲32.4%
6 profitable years in a row build equity to €229k.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €173k ▲48%
5 profitable years in a row build equity to €173k.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
31-12
Financial
Equity above €100kEq €117k ▲61.4%
4 profitable years in a row build equity to €117k.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 5.63
Current ratio from 2.11 to 5.63; short-term debt falls from €24k to €10k.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €76
Net result €76 after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
14-03-2022
Resigned as Director
Location & real-estate footprint
Registered office, Duffel · 1 establishment unit since 2012
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.
Beukheuvel 502570 DuffelGround area
1,735 m²
Building footprint
168 m²
Volume, LiDAR
1,098 m³
Parcel 12302B0718/00D000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Beukheuvel 50, 2570 Duffel
since 20122.209.408.392
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12302B0718/00D000 | Flanders | 1,735 m² | 1 · 168 m² | 8.4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 438 EUR awarded · 438 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 30 EUR | 30 EUR |
| 2023 | 1 | 120 EUR | 120 EUR |
| 2022 | 1 | 288 EUR | 288 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,716 companies in sector 73200 we hold annual accounts for 1,785. 1,334 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2012
Fiscal year end31-12
Activities, NACEBEL
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.