JEAN-MARC ROUSSEAU
ActiveSummary
JEAN-MARC ROUSSEAU has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.12M and a net result of €26k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 76% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-13
Solvency92▲+12
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 2.03 against 1.51 in 2024; short-term debt: 17.4% and cash: 1.9% of total assets), and 33.3% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
66.7%
Return on assets
1.5%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
55 d early
2023
42 d early
2022
41 d early
2021
33 d early
2020
45 d early
2019
28 d late
← 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€26k▼ 89.6%
2024 · €248k
2018: €47k
2019: €55k
2020: €-45k
2021: €173k
2022: €37k
2023: €197k
2024: €248k
2018 → 2025
Working capital
€298k▼ 1.6%
2024 · €303k
2018: €154k
2019: €282k
2020: €152k
2021: €275k
2022: €191k
2023: €299k
2024: €303k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€719k-€646k▼ 10.2%€843k▲ 30.6%€1.09M▲ 29.4%€1.12M▲ 2.4%
Operating result€189k-€43k▼ 77.0%€263k▲ 506%€333k▲ 26.4%€49k▼ 85.3%
Net result€173k-€37k▼ 78.7%€197k▲ 436%€248k▲ 25.8%€26k▼ 89.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 85% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.68M
Fixed assets
€1.09M ▲ 0.4%
Current assets
€589k ▼ 34.7%
Equity and liabilities €1.68M
Equity
€1.12M ▲ 2.4%
Debt
€558k ▼ 37.4%
Debt's share of the balance-sheet total falls from 44.9% to 33.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€258k▼
2024 · €477k
Cash flow
€234k▼
2024 · €393k
Current ratio
2.03▲
2024 · 1.51
Quick ratio
1.86▲
2024 · 1.49
Debt to equity
0.50▼
2024 · 0.82
ROE
2.3%▼
2024 · 22.7%
ROA
1.5%▼
2024 · 12.5%
Interest coverage
15.89▼
2024 · 33.05
Debt ≤ 1 year
€291k▼
2024 · €598k
Debt > 1 year
€265k▼
2024 · €293k
Income taxes
€10k▼
2024 · €73k
Staff costs
€407k▼
2024 · €463k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.98M€1.68M▼
Fixed assets21/28€1.08M€1.09M▲
Tangible fixed assets22/27€1.08M€1.09M▲
Land and buildings22€463k€527k▲
Plant, machinery and equipment23€196k€165k▼
Furniture and vehicles24€146k€118k▼
Leasing and similar rights25€275k€275k▲
Other tangible fixed assets26€1k€1k=
Financial fixed assets28€447€522▲
Current assets29/58€901k€589k▼
Stocks and contracts in progress3€13k€47k▲
Stocks30/36€13k€47k▲
Amounts receivable within one year40/41€494k€481k▼
Trade receivables40€433k€439k▲
Other amounts receivable41€60k€42k▼
Cash at bank and in hand54/58€360k€33k▼
Deferred charges and accrued income490/1€35k€28k▼
Equity and liabilities
Total equity and liabilities10/49€1.98M€1.68M▼
Equity10/15€1.09M€1.12M▲
Contributions10/11€118k€118k=
Reserves13€179k€205k▲
Tax-exempt reserves132€61k€61k=
Distributable reserves133€118k€143k▲
Profit (loss) carried forward14€795k€795k=
Amounts payable17/49€891k€558k▼
Amounts payable after more than one year17€293k€265k▼
Financial debts170/4€293k€265k▼
Amounts payable within one year42/48€598k€291k▼
Current portion of amounts payable after more than one year42€77k€82k▲
Trade debts44€290k€96k▼
Suppliers440/4€290k€96k▼
Advances received on contracts in progress46€91k-
Taxes, remuneration and social security45€114k€95k▼
Taxes450/3€49k€43k▼
Remuneration and social security454/9€65k€52k▼
Other amounts payable47/48€26k€18k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€463k€407k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€144k€209k▲
Other operating charges640/8€9k€8k▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€949k€675k▼
Operating profit (loss)9901€333k€49k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€14k€16k▲
Recurring financial charges65€14k€16k▲
Profit (loss) for the period before taxes9903€322k€36k▼
Income taxes67/77€73k€10k▼
Profit (loss) for the period9904€248k€26k▼
Profit (loss) for the period to be appropriated9905€248k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€795k€820k▲
Profit (loss) brought forward from the previous period14P€546k€795k▲
Transfer to equity691/2-€26k
To other reserves6921-€26k
Social balance
Average headcount (FTE)90876.76.1▼
The notes to these accounts (13 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €248k ▲25.8%
Operating result €333k, net result €248k, both a record.
31-12
Financial
Equity above €1MEq €1.09M ▲29.4%
4 profitable years in a row build equity to €1.09M.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €173k
Net result €173k after one loss-making year.
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-45k ▼181%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 28 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 3.05
Current ratio from 1.48 to 3.05; short-term debt falls from €318k to €138k.
Show earlier events
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 22 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 20 days late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 10 days late
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, Somme-Leuze · 1 establishment unit since 1992
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 Grande Fagne, Sinsin 65377 Somme-LeuzeGround area
2,167 m²
Building footprint
176 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Nestor-Bouillon, Sinsin 25 A, 5377 Somme-Leuze
since 19922.058.645.153
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91119B0342/00B000 | Wallonia | 1,315 m² | - | - |
| 91119B0048/00F003 | Wallonia | 852 m² | 1 · 176 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 4,336 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-1992
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.