JEAN - MARIE
ActiveJEAN - MARIE has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.19M and a net result of €300k. Equity is growing by ~24.6% per year across the filed fiscal years. Its solvency ranks better than 87% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+32
Solvency100▲+19
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 10.85 against 2.1 in 2024; short-term debt: 3.9% and cash: 0.2% of total assets), and 17.1% 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 68
Relative position
BE, all sectors
reference
Sector 68
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
82.9%
Return on assets
20.9%
Age of the figures
10 mo
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 30-11-2025 was due by 30-06-2026 and was filed on 15-07-2026, 15 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
15 d late
2024
24 d early
2023
23 d early
2022
on the day
2021
23 d early
2020
15 d early
2019
20 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-11-2026 close30-06-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€16k▼ 61.6%
2024 · €41k
2024: €41k
2024 → 2025
EBIT margin
2710.3%▲ 2608.3pp
2024 · 102.0%
2024: 102.0%
2024 → 2025
Net result
€300k▲ 341%
2024 · €68k
2018: €255
2019: €29k
2020: €503k
2021: €41k
2022: €111k
2023: €294k
2024: €68k
2018 → 2025
Working capital
€558k▲ 101%
2024 · €277k
2018: €-2.52M
2019: €-2.56M
2020: €181k
2021: €209k
2022: €225k
2023: €418k
2024: €277k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€41k€16k▼ 61.6%
Equity€600k-€622k▲ 3.5%€822k▲ 32.2%€890k▲ 8.3%€1.19M▲ 33.7%
Operating result€109k-€148k▲ 35.3%€79k▼ 46.3%€42k▼ 47.3%€427k▲ 921%
Net result€41k-€111k▲ 174%€294k▲ 164%€68k▼ 76.8%€300k▲ 341%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 921% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.44M
Fixed assets
€821k▼ 22.6%
Current assets
€614k▲ 15.9%
Equity and liabilities €1.44M
Equity
€1.19M▲ 33.7%
Provisions
€122k
Debt
€124k▼ 82.3%
The debt ratio falls from 44.0% to 8.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€448k▲
2024 · €68k
Cash flow
€321k▲
2024 · €95k
Solvency
82.9%▲
2024 · 56.0%
Current ratio
10.85▲
2024 · 2.10
Quick ratio
10.85▲
2024 · 2.10
Debt / equity
0.10▼
2024 · 0.79
ROE
25.2%▲
2024 · 7.6%
ROA
20.9%▲
2024 · 4.3%
Interest coverage
71.47▲
2024 · 2.79
Debt
€124k▼
2024 · €700k
Debt ≤ 1 year
€57k▼
2024 · €253k
Debt > 1 year
€46k▼
2024 · €448k
Income taxes
€-1k▼
2024 · €29k
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€1.59M€1.44M▼
Fixed assets21/28€1.06M€821k▼
Tangible fixed assets22/27€306k€67k▼
Land and buildings22€218k-
Furniture and vehicles24€88k€67k▼
Financial fixed assets28€754k€754k=
Current assets29/58€530k€614k▲
Amounts receivable within one year40/41€515k€612k▲
Trade receivables40€10k-
Other amounts receivable41€505k€612k▲
Cash at bank and in hand54/58€15k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.59M€1.44M▼
Equity10/15€890k€1.19M▲
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€871k€1.24M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132-€365k
Distributable reserves133€869k€869k=
Profit (loss) carried forward14-€-65k
Provisions and deferred taxes16-€122k
Deferred taxes168-€122k
Amounts payable17/49€700k€124k▼
Amounts payable after more than one year17€448k€46k▼
Financial debts170/4€448k€46k▼
Amounts payable within one year42/48€253k€57k▼
Current portion of amounts payable after more than one year42€40k€20k▼
Trade debts44-€9k
Suppliers440/4-€9k
Taxes, remuneration and social security45€2k€975▼
Taxes450/3€2k€975▼
Other amounts payable47/48€211k€27k▼
Accrued charges and deferred income492/3-€21k
Income statement
Code20242025
Turnover70€41k€16k▼
Non-recurring operating income76A-€705k
Goods, raw materials, services and sundry goods60/61-€57k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€21k▼
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A-€218k
Gross operating margin9900€71k€667k▲
Operating profit (loss)9901€42k€427k▲
Financial income75/76B€80k-
Recurring financial income75€0-
Non-recurring financial income76B€80k-
Financial charges65/66B€24k€6k▼
Recurring financial charges65€24k€6k▼
Profit (loss) for the period before taxes9903€97k€421k▲
Transfer to deferred taxes680-€122k
Income taxes67/77€29k€-1k▼
Profit (loss) for the period9904€68k€300k▲
Transfer to tax-exempt reserves689€80k€365k▲
Profit (loss) for the period to be appropriated9905€-12k€-65k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-65k▼
Transfer from equity791/2€12k-
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 15 days late
2025
30-11
Financial
Liquidity times 5current ratio 10.85
Current ratio from 2.10 to 10.85; short-term debt falls from €253k to €57k.
30-11
Financial
Equity above €1MEq €1.19M ▲33.7%
8 profitable years in a row build equity to €1.19M.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-11
Financial
Liquidity doublescurrent ratio 5.42
Current ratio from 2.38 to 5.42; short-term debt falls from €152k to €51k.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-11
Financial
Highest result since 2018net €503k ▲1613%
Net result €503k, the highest in the series.
30-11
Financial
Liquidity times 33current ratio 1.55
Current ratio from 0.05 to 1.55; short-term debt falls from €2.68M to €332k.
30-11
Financial
Equity above €500kEq €560k ▲889%
3 profitable years in a row build equity to €560k.
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 18 days late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Wuustwezel · 1 establishment unit since 2000
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.
Kochdreef 362990 WuustwezelGround area
1,262 m²
Building footprint
177 m²
Volume, LiDAR
975 m³
Parcel 11682G0468/00M007, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kochdreef 36, 2990 Wuustwezel
since 20002.053.082.402
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11682G0468/00M007 | Flanders | 1,261 m² | 1 · 177 m² | 8.4 m · 2 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
ProjetsYZ
BE 0502.824.442
Spa · Eq €1.19M
REON
BE 0415.710.623
Diepenbeek · Eq €1.19M
Les Foyers Réunis
BE 0402.136.660
Brussel · Eq €1.19M
Pobaco
BE 1003.213.887
Lochristi · Eq €1.19M
FIRMA SYMONS
BE 0411.942.073
Londerzeel · Eq €1.19M
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,729 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-1990
Fiscal year end30-11
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.