Summary
JDR is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €7,624 and a net result of -€2,406. Equity has been growing by about 49% per year since 2023. Its solvency ranks better than 38% of 9,754 sector peers (NACE 64, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 22-11-2022 Normal situation
- Activity
- Activities of holding companies NACE 64210
- Establishment unit
- 2.338.532.616 8300 Knokke-Heist, since 22-11-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 08-08-2026
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Loss
- €2,406
- Equity
- €7,624
- ▼ 24.0%
- Total assets
- €20,996
- ▼ 49.4%
Filed on 15-07-2026, 16 days before the deadline
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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Signals
1 signal.
neutral
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 15-07-2026, 16 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
16 days early
2024
31 days early
2023
43 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 30 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 June (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 15-07-2026 at the NBB all 3 filings
Equity
€7,624▼ 24.0%
2024 · €10,030
Net result
-€2,406
2024 · €9,942
Total assets
€20,996▼ 49.4%
2024 · €41,467
Solvency
36.3%▲ 12.1pp
2024 · 24.2%
Trend over the years
2023 to 2025, 3 financial years
The operating result for 2025 is a loss of €64, after a profit of €13,030 in 2024.
Operating result-€64
2025
Net result-€2,406
2025
Total assets€20,996
2025
Equity€7,624
2025
Debt€13,372
2025
Working capital€1,087
2025
Return on assets (ROA)-11.5%
2025
Solvency36.3%
2025
Current ratio1.08
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line202320242025
Operating result-€1,580-€13,030-€64
Net result-€2,412below the sector's middle half-€9,942within the sector's middle half-€2,406below the sector's middle half
Equity€88below the sector's middle half-€10,030below the sector's middle half▲ 114×€7,624below the sector's middle half▼ 24.0%
Total assets€55,608below the sector's middle half-€41,467below the sector's middle half▼ 25.4%€20,996below the sector's middle half▼ 49.4%
Debt€55,520-€31,437▼ 43.4%€13,372▼ 57.5%
Working capital-€38,873below the sector's middle half--€24,428below the sector's middle half▲ 37.2%€1,087within the sector's middle half
Solvency0.2%below the sector's middle half-24.2%below the sector's middle half▲ 24.0pp36.3%within the sector's middle half▲ 12.1pp
Current ratio0.16below the sector's middle half-0.17below the sector's middle half▲ 0.011.08within the sector's middle half▲ 0.91
Return on assets (ROA)-4.3%below the sector's middle half-24.0%within the sector's middle half▲ 28.3pp-11.5%below the sector's middle half▼ 35.4pp
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20,996
Fixed assets
€6,538 ▼ 82.0%
Current assets
€14,458 ▲ 180%
Equity and liabilities €20,996
Equity
€7,624 ▼ 24.0%
Debt
€13,372 ▼ 57.5%
Debt's share of the balance-sheet total falls from 75.8% to 63.7%. Equity and debt are lower.
Key figures and ratios
ROE
-31.6%▼
2024 · 99.1%
Debt ≤ 1 year
€13,372▼
2024 · €29,586
Income taxes
€2,026▼
2024 · €2,469
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | €59,218 | - | €982 |
| Depreciation and write-downs of the year | €11,066 | €11,844 | €2,200 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as JDR: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €16,300 and €26,900, founded between 2022 and 2023.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| JDR Knokke-Heist | 2022 | €20,996 | €7,624 | €3,236 | -€2,406 | 2025 |
| BIVA Beveren-Kruibeke-Zwijndrecht | 2023 | €21,723 | €14,003 | €3,195 | €373 | 2026 |
| JM Tech Kapelle-op-den-Bos | 2022 | €19,796 | €16,688 | €3,114 | -€1,276 | 2025 |
| BG MANAGEMENT SERVICES Maasmechelen | 2022 | €20,485 | €13,901 | €2,939 | €1,322 | 2025 |
| Poppy Projects Keerbergen | 2022 | €25,937 | €492 | €3,066 | -€1,508 | 2025 |
| Delvest Oostkamp | 2023 | €26,860 | -€42,657 | €3,823 | -€5,590 | 2025 |
| Savings Brecht | 2023 | €16,331 | €15,348 | €3,265 | €1,970 | 2026 |
They were chosen from the 20,097 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,066 | €11,844 | €2,200 | ▼ 81.4% |
| Other operating charges640/8 | €1,942 | €628 | €1,100 | ▲ 75.1% |
| Gross operating margin9900 | €11,428 | €25,502 | €3,236 | ▼ 87.3% |
| Operating profit (loss)9901 | -€1,580 | €13,030 | -€64 | - |
| Financial charges65/66B | €832 | €618 | €316 | ▼ 48.8% |
| Recurring financial charges65 | €832 | €618 | €316 | ▼ 48.8% |
| Profit (loss) for the period before taxes9903 | -€2,412 | €12,412 | -€381 | - |
| Income taxes67/77 | - | €2,469 | €2,026 | ▼ 18.0% |
| Profit (loss) for the period9904 | -€2,412 | €9,942 | -€2,406 | - |
| Profit (loss) for the period to be appropriated9905 | -€2,412 | €9,942 | -€2,406 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €55,608 | €41,467 | €20,996 | ▼ 49.4% |
| Fixed assets21/28 | €48,152 | €36,309 | €6,538 | ▼ 82.0% |
| Tangible fixed assets22/27 | €48,152 | €36,309 | €6,538 | ▼ 82.0% |
| Furniture and vehicles24 | €48,152 | €36,309 | €6,538 | ▼ 82.0% |
| Current assets29/58 | €7,456 | €5,158 | €14,458 | ▲ 180% |
| Amounts receivable within one year40/41 | €5,748 | €2,438 | €7,515 | ▲ 208% |
| Trade receivables40 | €5,748 | €2,438 | €4,417 | ▲ 81.1% |
| Other amounts receivable41 | - | - | €3,098 | - |
| Cash at bank and in hand54/58 | €1,180 | €2,070 | €6,343 | ▲ 206% |
| Deferred charges and accrued income490/1 | €528 | €650 | €601 | ▼ 7.5% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €55,608 | €41,467 | €20,996 | ▼ 49.4% |
| Equity10/15 | €88 | €10,030 | €7,624 | ▼ 24.0% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | = |
| Reserves13 | - | €7,530 | €5,124 | ▼ 32.0% |
| Distributable reserves133 | - | €7,530 | €5,124 | ▼ 32.0% |
| Profit (loss) carried forward14 | -€2,412 | - | - | - |
| Amounts payable17/49 | €55,520 | €31,437 | €13,372 | ▼ 57.5% |
| Amounts payable after more than one year17 | €9,191 | €1,850 | - | - |
| Financial debts170/4 | €9,191 | €1,850 | - | - |
| Amounts payable within one year42/48 | €46,329 | €29,586 | €13,372 | ▼ 54.8% |
| Current portion of amounts payable after more than one year42 | €19,924 | €7,341 | €1,850 | ▼ 74.8% |
| Trade debts44 | €1,148 | €2,384 | €2,924 | ▲ 22.6% |
| Suppliers440/4 | €1,148 | €2,384 | €2,924 | ▲ 22.6% |
| Taxes, remuneration and social security45 | €4,339 | €7,439 | €8,598 | ▲ 15.6% |
| Taxes450/3 | €4,339 | €7,439 | €8,598 | ▲ 15.6% |
| Other amounts payable47/48 | €20,918 | €12,422 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,412 | €9,942 | -€2,406 | - |
| + Depreciation and write-downs630 | €11,066 | €11,844 | €2,200 | ▼ 81.4% |
| Operating cash flow (approximation) | €8,654 | €21,786 | -€206 | - |
| Investment in fixed assets (approximation) | - | €0 | €27,571 | - |
| Change in cash | - | €890 | €4,272 | ▲ 380% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Directors
1 director, no change since 2022
DE RIDDER John Frans Martha
Current
Director (not named in the articles) · since 22-11-2022 · term without a fixed end · listed in the 2025 annual accounts, filed on 15-07-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 24-11-2022Owners and capital
Shareholders
At incorporation
act of 24-11-2022 ↗
- DE RIDDER John Frans Martha 10 shares (100%) · €2,500
Capital transactions
Capital over time
- 24-11-2022 Incorporation · €2,500 · 10 shares
Network & group
JDR shares no director with another company.
Companies at the same address
1 other companyConnections & network
1 current directorThe network starts from the directors of JDR. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
15-07
micro format · 16 days before the deadline
2025
31-12
Financial
Liquidity more than 6 timescurrent ratio 1.08
The current ratio rises from 0.17 to 1.08. Short-term debt falls from €29,586 to €13,372.
30-06
micro format · 31 days before the deadline
2024
31-12
Financial
Back to profitnet €9,942
The net result is €9,942, after one loss-making year.
18-06
micro format · 43 days before the deadline
2022
24-11
Gazette deed
IncorporationStarting capital €2,500 · Appointment: DE RIDDER John Frans Martha (director) · Founder10 points ▸
Gazette deed
Incorporation
Starting capital €2,500 · Appointment: DE RIDDER John Frans Martha (director) · Founder10 points ▸
- Incorporation, 17-11-2022
- Founder, DE RIDDER John Frans Martha
- Other provision, 18-10-2022
- Founding capital, €2,500
- Bank account, “bijzondere rekening”, 2500 (deed in Dutch)
- Other provision, “beschikking en attest”, 2500 (deed in Dutch)
- Share issue, 10, “inbrengen van 2500 EUR” (deed in Dutch)
- Board rule, 1
- Director appointment, DE RIDDER John Frans Martha (director (not named in the articles))
- Pre-incorporation commitments, “takeover, alle verbintenissen,verplichtingen en activiteiten in naam en voor rekening van vennootschap in oprichting” (deed in Dutch)
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
JDR in Dutch
Enterprise number
0793.812.366
Legal form
Private limited company
Status
Active, normale toestand
Founded
22-11-2022
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 24-11-2022 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest, 8300 Knokke-Heist,Dumortierlaan 107 bus 41”
deed of 24-11-2022 (in Dutch)Registered office and establishments
Registered office
Dumortierlaan 107, 8300 Knokke-Heist, Belgium
Establishment unit
JDR, Dumortierlaan 107, 8300 Knokke-Heist since 22-11-2022 · unit number 2.338.532.61670100 Activities of head offices
Activities
NACEBEL 202564210
Activities of holding companies main activity
Codes under NACEBEL 2008
64200
Holdings main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 24-11-2022 (in Dutch)
“Het nemen van belangen en participaties,hetzij door deelneming,inbreng of elke andere wijze in alle…”
8 activities
- Het nemen van belangen en participaties,hetzij door deelneming,inbreng of elke andere wijze in alle vennootschappen,ondernemingen,economische samenwerkingsverbanden,beroepsverenigingen of groeperingen,bestaande of op te richten,zowel in België als in het buitenland
- De vennootschap is bevoegd deel te nemen,onder gelijk welke vorm,aan de oprichting,de uitbreiding,omzetting,fusie,opslorping,het bestuur en de controle van ondernemingen en ondersteuning te verlenen aan ondernemingen waarin ze belang stelt onder meer in de vorm van leningen,voorschotten of borgstellingen of ook bij wijze van bijstand inzake bestuur,beheer en administratie
- De vennootschap mag ten voordele van derde partijen alle borgen toestaan,alle roerende goederen verpanden en alle onroerende goederen met hypotheken bezwaren
- De vennootschap mag bijgevolg optreden als bestuurder,zaakvoerder,volmacht drager,algemeen directeur,mandataris of vereffenaar in andere vennootschappen,borg stellen voor derden,zaakvoerders en vennoten,evenals hun leningen,voorschotten en kredieten toestaan,behoudens de wettelijke bepalingen ter zake
- De vennootschap mag dienstprestaties en consultancy-opdrachten van administratieve,commerciële,technische en bedrijfseconomische aard in de meest uitgebreide betekenis,zowel in eigen beheer als in deelname met derden verlenen en uitvoeren aan en voor derde partijen
- De vennootschap mag alle verrichtingen stellen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer van een eigen roerend en onroerend patrimonium,zoals onroerende goederen verwerven,laten bouwen,laten opschikken,laten uitrusten,ombouwen,roerende en onroerende goederen verhuren,onroerende goederen vervreemden met het oog op wederbelegging en opbrengst,beschikbare middelen beleggen in roerende goederen en waarden,het nemen van participaties in derde aanverwante ondernemingen en vennootschappen
- De vennootschap zal alle burgerlijke,industriële,commerciële,financiële,roerende en onroerende handelingen mogen verrichten in rechtstreeks of onrechtstreeks verband met haar voorwerp,die van aard zijn de verwezenlijking ervan te vergemakkelijken of uit te breiden en die daartoe noodzakelijk,nuttig of zelfs alleen maar bevorderend zijn
- In het algemeen zal de vennootschap alle commerciële,industriële,financiële,roerende of onroerende verrichtingen uitvoeren in rechtstreeks of onrechtstreeks,geheel of gedeeltelijk verband met haar maatschappelijk voorwerp of die van aard zouden zijn de verwezenlijking ervan te vergemakkelijken
Invoicing and payment
VAT number
BE 0793.812.366
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Friday of June at 14:00
deed of 24-11-2022 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
287 m²
Building footprint
267 m²
Building volume
2,878 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 31334B0201/00_000 | Flanders | 287 m² | 1 · 267 m² | 20.3 m · 5 |