JEAN DE WOLF
ActiveJEAN DE WOLF has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €539k and a net result of €74k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 94% of 2315 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+4
Solvency100=
Growth62=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 30.24 against 36.61 in 2024; short-term debt: 3.2% and cash: 49.6% of total assets), and 3.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
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
96.4%
Return on assets
13.3%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 14-01-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
23 d late
2023
8 d early
2022
5 d early
2021
3 d early
2020
4 d early
2019
44 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
€123k▼ 8.0%
2022 · €134k
2019: €125k
2020: €128k
2021: €146k
2022: €134k
2019 → 2023
EBIT margin
41.0%▲ 1.2pp
2022 · 39.8%
2019: 36.2%
2020: 37.5%
2021: 40.1%
2022: 39.8%
2019 → 2023
Net result
€74k▲ 57.6%
2024 · €47k
2019: €33k
2020: €35k
2021: €42k
2022: €38k
2023: €37k
2024: €47k
2019 → 2025
Working capital
€527k▲ 17.1%
2024 · €450k
2019: €412k
2020: €276k
2021: €326k
2022: €364k
2023: €402k
2024: €450k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€146k-€134k▼ 8.1%€123k▼ 8.0%
Equity€343k-€381k▲ 11.2%€418k▲ 9.6%€465k▲ 11.2%€539k▲ 15.9%
Operating result€59k-€53k▼ 8.9%€51k▼ 5.1%€66k▲ 30.1%€96k▲ 45.3%
Net result€42k-€38k▼ 8.3%€37k▼ 4.6%€47k▲ 28.5%€74k▲ 57.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 45% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €559k
Fixed assets
€14k▼ 6.0%
Current assets
€545k▲ 17.8%
Equity and liabilities €559k
Equity
€539k▲ 15.9%
Debt
€20k▲ 58.4%
The debt ratio rises from 2.6% to 3.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€97k▲
2024 · €67k
Cash flow
€75k▲
2024 · €48k
Solvency
96.4%▼
2024 · 97.4%
Current ratio
30.24▼
2024 · 36.61
Quick ratio
30.24▼
2024 · 36.61
Debt / equity
0.04▲
2024 · 0.03
ROE
13.7%▲
2024 · 10.1%
ROA
13.3%▲
2024 · 9.8%
Interest coverage
233.45▲
2024 · 51.63
Debt
€20k▲
2024 · €13k
Debt ≤ 1 year
€18k▲
2024 · €13k
Income taxes
€36k▲
2024 · €18k
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€478k€559k▲
Fixed assets21/28€15k€14k▼
Tangible fixed assets22/27€15k€14k▼
Furniture and vehicles24€14k€14k▼
Other tangible fixed assets26€1k€339▼
Current assets29/58€463k€545k▲
Amounts receivable within one year40/41-€548
Trade receivables40-€548
Current investments50/53€393k€267k▼
Cash at bank and in hand54/58€70k€278k▲
Equity and liabilities
Total equity and liabilities10/49€478k€559k▲
Equity10/15€465k€539k▲
Contributions10/11€13k€13k=
Reserves13€452k€527k▲
Non-distributable reserves130/1€10k€10k=
Reserves not available under the articles1311€10k€10k=
Distributable reserves133€442k€516k▲
Amounts payable17/49€13k€20k▲
Amounts payable within one year42/48€13k€18k▲
Trade debts44€2k€50▼
Suppliers440/4€2k€50▼
Taxes, remuneration and social security45€7k€17k▲
Taxes450/3€7k€17k▲
Other amounts payable47/48€4k€1k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€886▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€68k€98k▲
Operating profit (loss)9901€66k€96k▲
Financial income75/76B€378€15k▲
Recurring financial income75€378€15k▲
Financial charges65/66B€1k€414▼
Recurring financial charges65€1k€414▼
Profit (loss) for the period before taxes9903€65k€110k▲
Income taxes67/77€18k€36k▲
Profit (loss) for the period9904€47k€74k▲
Profit (loss) for the period to be appropriated9905€47k€74k▲
Appropriation of the result
Profit (loss) to be appropriated9906€168k€74k▼
Profit (loss) brought forward from the previous period14P€121k-
Transfer to equity691/2€168k€74k▼
To other reserves6921€168k€74k▼
The notes to these accounts (4 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
14-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €74k ▲57.6%
Operating result €96k, net result €74k, both a record.
30-06
Financial
Equity above €500kEq €539k ▲15.9%
7 profitable years in a row build equity to €539k.
23-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
23-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Liquidity times 14current ratio 33.78
Current ratio from 2.48 to 33.78; short-term debt falls from €186k to €10k.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
18-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
09-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zandhoven · 1 establishment unit since 1989
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.
Liersebaan 862240 ZandhovenGround area
1,441 m²
Building footprint
290 m²
Volume, LiDAR
1,378 m³
Parcel 11054B0429/00R008, Flanders · tallest building 11.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Liersebaan 86, 2240 Zandhoven
since 19892.303.104.553
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11054B0429/00R008 | Flanders | 1,441 m² | 1 · 290 m² | 11.2 m · 1 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.
Similar companies · same sector, comparable size
Swinnen-Costa
BE 0690.764.318
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Kinesitherapie Belmans Danny
BE 0464.962.867
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ESPACE MAIN
BE 0460.580.645
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SJMB
BE 0861.753.740
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CHIROMEDICA
BE 0472.682.483
Kortrijk · Eq €555k
Of 12,690 companies in sector 86951 we hold annual accounts for 2,140. 995 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-12-1989
Fiscal year end30-06
Activities, NACEBEL
85144
86905Human health activities
86951Physiotherapy
85146
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.