Jean-François DELAIVE
ActiveSummary
Jean-François DELAIVE has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €-47. Equity remains stable across the filed fiscal years (±1.5% per year). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+43
Solvency74▼-11
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 5.09 in 2024; short-term debt: 26.4% and cash: 47.6% of total assets), but 50.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
49.3%
Return on assets
0%
Age of the figures
9 mo
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
13 d early
2023
8 d early
2022
31 d early
2021
32 d early
2020
33 d early
2019
32 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€49k▼ 22.4%
2024 · €63k
2018: €55k
2019: €55k
2020: €53k
2021: €51k
2022: €60k
2023: €67k
2024: €63k
2018 → 2025
Total assets
€100k▼ 5.3%
2024 · €106k
2018: €115k
2019: €106k
2020: €97k
2021: €82k
2022: €77k
2023: €80k
2024: €106k
2018 → 2025
Net result
€-47▲ 98.5%
2024 · €-3k
2018: €2k
2019: €2k
2020: €18k
2021: €-3k
2022: €9k
2023: €15k
2024: €-3k
2018 → 2025
Working capital
€30k▼ 26.6%
2024 · €40k
2018: €42k
2019: €50k
2020: €54k
2021: €47k
2022: €52k
2023: €57k
2024: €40k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€60k▲ 18.0%€67k▲ 11.0%€63k▼ 4.7%€49k▼ 22.4%
Operating result€-1k-€14k€22k▲ 54.9%€-3k€3k
Net result€-3k-€9k€15k▲ 62.9%€-3k€-47▲ 98.5%
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: €3k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€44k ▼ 20.5%
Current assets
€56k ▲ 11.3%
Equity and liabilities €100k
Equity
€49k ▼ 22.4%
Debt
€51k ▲ 20.5%
Debt's share of the balance-sheet total rises from 39.9% to 50.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€15k▲
2024 · €571
Cash flow
€11k▲
2024 · €-46
Current ratio
2.13▼
2024 · 5.09
Debt to equity
1.03▲
2024 · 0.66
ROE
-0.1%▲
2024 · -4.9%
ROA
0.0%▲
2024 · -3.0%
Interest coverage
10.17▲
2024 · 1.34
Debt ≤ 1 year
€26k▲
2024 · €10k
Debt > 1 year
€24k▼
2024 · €32k
Income taxes
€2k▲
2024 · €194
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€106k€100k▼
Fixed assets21/28€55k€44k▼
Tangible fixed assets22/27€55k€44k▼
Furniture and vehicles24€55k€44k▼
Financial fixed assets28€83€83=
Current assets29/58€50k€56k▲
Amounts receivable within one year40/41€10k€8k▼
Trade receivables40€8k€8k▼
Other amounts receivable41€1k-
Cash at bank and in hand54/58€40k€48k▲
Deferred charges and accrued income490/1€679€688▲
Equity and liabilities
Total equity and liabilities10/49€106k€100k▼
Equity10/15€63k€49k▼
Contributions10/11€100€100=
Reserves13€43k€29k▼
Tax-exempt reserves132€5k€5k=
Distributable reserves133€38k€24k▼
Profit (loss) carried forward14€20k€20k▼
Amounts payable17/49€42k€51k▲
Amounts payable after more than one year17€32k€24k▼
Financial debts170/4€32k€24k▼
Amounts payable within one year42/48€10k€26k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€947€3k▲
Remuneration and social security454/9€163-
Other amounts payable47/48€50€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€11k▲
Other operating charges640/8€795€474▼
Non-recurring operating charges66A€14k-
Gross operating margin9900€15k€15k▼
Operating profit (loss)9901€-3k€3k▲
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€425€1k▲
Recurring financial charges65€425€1k▲
Profit (loss) for the period before taxes9903€-3k€2k▲
Income taxes67/77€194€2k▲
Profit (loss) for the period9904€-3k€-47▲
Profit (loss) for the period to be appropriated9905€-3k€-47▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€20k▼
Profit (loss) brought forward from the previous period14P€23k€20k▼
Transfer from equity791/2-€14k
Profit to be distributed694/7-€14k
Return on contributions (dividend)694-€14k
The notes to these accounts (8 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k ▼121%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €18k ▲846%
Operating result €23k, net result €18k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Seraing · 1 establishment unit since 2016
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.
Rue des Villas 1084100 SeraingGround area
442 m²
Building footprint
50 m²
Volume, LiDAR
499 m³
Parcel 62354C0124/00Y235, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Villas 108, 4100 Seraing
since 20162.250.521.645
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62354C0124/00Y235 | Wallonia | 442 m² | 1 · 50 m² | 11.8 m · 3 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2016
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.