JDB
ActiveSummary
JDB is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€88,041) and a net result of €10,695. Equity is shrinking by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 8074 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8074 sector peers (2025).
NBB · sector comparisonPosition among 8074 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 02-10-2025, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
6 d early
2023
on the day
2022
4 d late
2021
31 d early
2020
4 d early
2019
9 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 11 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close28-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#4 oldest company in Halle, Finance and insurance sector
Equity
-€88,041▲ 10.8%
2024 · -€98,736
Net result
€10,695
2024 · -€14,893
Total assets
€212,382▼ 4.1%
2024 · €221,434
Solvency
-41.5%▲ 3.1pp
2024 · -44.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€14,138▲ 14.9%€461-€11,287-€14,796▼ 31.1%€10,325
Net result-€14,146below the sector's middle half▲ 42.0%€356below the sector's middle half-€11,440below the sector's middle half-€14,893below the sector's middle half▼ 30.2%€10,695within the sector's middle half
Equity-€72,759below the sector's middle half▼ 24.1%-€72,403below the sector's middle half▲ 0.5%-€83,843below the sector's middle half▼ 15.8%-€98,736below the sector's middle half▼ 17.8%-€88,041below the sector's middle half▲ 10.8%
Total assets€268,223within the sector's middle half▼ 5.1%€259,542within the sector's middle half▼ 3.2%€240,534within the sector's middle half▼ 7.3%€221,434within the sector's middle half▼ 7.9%€212,382within the sector's middle half▼ 4.1%
Debt€327,364▼ 0.1%€318,327▼ 2.8%€310,759▼ 2.4%€306,552▼ 1.4%€286,805▼ 6.4%
Working capital-€40,750▼ 38.0%-€13,915▲ 65.9%-€12,259▲ 11.9%-€388▲ 96.8%€30,590
Solvency-27.1%below the sector's middle half▼ 6.4pp-27.9%below the sector's middle half▼ 0.8pp-34.9%below the sector's middle half▼ 7.0pp-44.6%below the sector's middle half▼ 9.7pp-41.5%below the sector's middle half▲ 3.1pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10,325 after a loss of €14,796 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €212,382
Fixed assets
€54,548 ▼ 26.0%
Current assets
€157,834 ▲ 6.9%
Key figures and ratios
ROA
5.0%▲
2024 · -6.7%
Debt ≤ 1 year
€127,244▼
2024 · €148,072
Debt > 1 year
€158,170▲
2024 · €157,670
Income taxes
€459
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 | €30,534 | €32,424 | €32,667 | €34,201 | €19,201 | ▼ 43.9% |
| Other operating charges640/8 | - | €2,569 | €3,196 | €3,852 | €4,697 | ▲ 22.0% |
| Gross operating margin9900 | €18,947 | €35,454 | €24,576 | €23,257 | €34,224 | ▲ 47.2% |
| Operating profit (loss)9901 | -€14,138 | €461 | -€11,287 | -€14,796 | €10,325 | ▲ 170% |
| Financial income75/76B | - | €109 | €112 | €386 | €1,036 | ▲ 168% |
| Recurring financial income75 | €80 | €109 | €112 | €386 | €1,036 | ▲ 168% |
| Financial charges65/66B | - | €214 | €265 | €482 | €207 | ▼ 57.0% |
| Recurring financial charges65 | €88 | €214 | €265 | €482 | €207 | ▼ 57.0% |
| Profit (loss) for the period before taxes9903 | -€14,146 | €356 | -€11,440 | -€14,893 | €11,154 | ▲ 175% |
| Income taxes67/77 | €0 | - | - | - | €459 | - |
| Profit (loss) for the period9904 | -€14,146 | €356 | -€11,440 | -€14,893 | €10,695 | ▲ 172% |
| Profit (loss) for the period to be appropriated9905 | -€14,146 | €356 | -€11,440 | -€14,893 | €10,695 | ▲ 172% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €268,223 | €259,542 | €240,534 | €221,434 | €212,382 | ▼ 4.1% |
| Fixed assets21/28 | €161,242 | €128,067 | €107,951 | €73,749 | €54,548 | ▼ 26.0% |
| Tangible fixed assets22/27 | €161,242 | €128,067 | €107,951 | €73,749 | €54,548 | ▼ 26.0% |
| Land and buildings22 | - | €89,985 | €74,988 | €59,990 | €44,992 | ▼ 25.0% |
| Plant, machinery and equipment23 | - | €1,244 | €9,374 | €7,274 | €5,174 | ▼ 28.9% |
| Leasing and similar rights25 | - | €30,000 | €15,000 | €0 | - | - |
| Other tangible fixed assets26 | - | €6,838 | €8,589 | €6,486 | €4,382 | ▼ 32.4% |
| Current assets29/58 | €106,981 | €131,475 | €132,583 | €147,684 | €157,834 | ▲ 6.9% |
| Stocks and contracts in progress3 | €1,097 | €1,097 | €9,642 | €9,642 | €6,243 | ▼ 35.2% |
| Stocks30/36 | - | €1,097 | €9,642 | €9,642 | €6,243 | ▼ 35.2% |
| Amounts receivable within one year40/41 | €2,371 | €6,022 | €7,102 | €6,373 | €1,909 | ▼ 70.0% |
| Trade receivables40 | - | €5,934 | €7,028 | €6,316 | €1,909 | ▼ 69.8% |
| Other amounts receivable41 | - | €88 | €74 | €57 | €0 | ▼ 100% |
| Current investments50/53 | €10,000 | €13,839 | €13,839 | €13,839 | €14,010 | ▲ 1.2% |
| Cash at bank and in hand54/58 | €87,114 | €109,114 | €99,755 | €115,444 | €133,096 | ▲ 15.3% |
| Deferred charges and accrued income490/1 | - | €1,404 | €2,246 | €2,388 | €2,575 | ▲ 7.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €268,223 | €259,542 | €240,534 | €221,434 | €212,382 | ▼ 4.1% |
| Equity10/15 | -€72,759 | -€72,403 | -€83,843 | -€98,736 | -€88,041 | ▲ 10.8% |
| Contributions10/11 | - | €12,437 | €12,437 | €12,437 | €12,437 | = |
| Reserves13 | €20,060 | €20,060 | €20,060 | €20,060 | €20,060 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | - | €18,200 | €18,200 | €18,200 | €18,200 | = |
| Profit (loss) carried forward14 | -€105,256 | -€104,900 | -€116,340 | -€131,233 | -€120,537 | ▲ 8.1% |
| Provisions and deferred taxes16 | €13,618 | €13,618 | €13,618 | €13,618 | €13,618 | = |
| Provisions for liabilities and charges160/5 | - | €13,618 | €13,618 | €13,618 | €13,618 | = |
| Pensions and similar obligations160 | - | €13,618 | €13,618 | €13,618 | €13,618 | = |
| Amounts payable17/49 | €327,364 | €318,327 | €310,759 | €306,552 | €286,805 | ▼ 6.4% |
| Amounts payable after more than one year17 | €178,939 | €171,714 | €164,414 | €157,670 | €158,170 | ▲ 0.3% |
| Financial debts170/4 | - | €15,144 | €6,884 | €0 | - | - |
| Other amounts payable178/9 | - | €156,570 | €157,530 | €157,670 | €158,170 | ▲ 0.3% |
| Amounts payable within one year42/48 | €147,731 | €145,391 | €144,842 | €148,072 | €127,244 | ▼ 14.1% |
| Current portion of amounts payable after more than one year42 | - | €8,260 | €8,260 | €6,884 | €0 | ▼ 100% |
| Trade debts44 | €12,380 | €2,599 | €1,447 | €8,301 | €2,450 | ▼ 70.5% |
| Suppliers440/4 | - | €2,599 | €1,447 | €8,301 | €2,450 | ▼ 70.5% |
| Taxes, remuneration and social security45 | - | €0 | €938 | €253 | €1,853 | ▲ 632% |
| Taxes450/3 | - | €0 | €938 | €253 | €1,853 | ▲ 632% |
| Other amounts payable47/48 | - | €134,531 | €134,197 | €132,635 | €122,941 | ▼ 7.3% |
| Accrued charges and deferred income492/3 | - | €1,223 | €1,504 | €810 | €1,391 | ▲ 71.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€14,146 | €356 | -€11,440 | -€14,893 | €10,695 | ▲ 172% |
| + Depreciation and write-downs630 | €30,534 | €32,424 | €32,667 | €34,201 | €19,201 | ▼ 43.9% |
| Operating cash flow (approximation) | €16,388 | €32,781 | €21,227 | €19,308 | €29,896 | ▲ 54.8% |
| Investment in fixed assets (approximation) | - | €751 | -€12,551 | €0 | €0 | - |
| Change in cash | - | €22,000 | -€9,359 | €15,689 | €17,653 | ▲ 12.5% |
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
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €10,695
Net result €10,695 after 2 loss-making years.
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
04-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
31-03
Financial
Back to profitnet €356
Net result €356 after 3 loss-making years.
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
22-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
17-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
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.
Location & real-estate footprint
Registered office, Halle · 1 establishment unit since 2001
Ground area
4,460 m²
Building footprint
181 m²
Volume, LiDAR
709 m³
Parcel 23412L0325/00G008, Flanders · tallest building 5.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Kapittel 23, 1500 Halle
since 20012.101.371.475
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23412L0325/00G008 | Flanders | 4,460 m² | 1 · 181 m² | 5.8 m · 1 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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded18-07-2001
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
62200Computer consultancy and computer facilities management
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0475237048
Also
9925:BE0475237048
Registered
09-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.