Summary
Jean PIERRE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €88,683 and a net result of €10,634. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 53% of 3320 sector peers (fiscal year 2024). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-07-2025, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
7 d early
2023
36 d early
2022
41 d early
2021
32 d early
2020
17 d late
2019
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 17 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
In the rankings
#8 oldest company in Wavre, Finance and insurance sector
Equity
€88,683▼ 4.7%
2023 · €93,049
Net result
€10,634
2023 · -€8,131
Total assets
€165,227▲ 27.9%
2023 · €129,135
Solvency
53.7%▼ 18.4pp
2023 · 72.1%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€17,654▼ 11.7%€5,115▼ 71.0%€659▼ 87.1%-€7,014€14,155
Net result€11,872▼ 1.7%€1,850▼ 84.4%-€2,056-€8,131▼ 295%€10,634
Equity€101,387▲ 13.3%€103,236▲ 1.8%€101,180▼ 2.0%€93,049▼ 8.0%€88,683▼ 4.7%
Total assets€129,404▲ 12.5%€122,485▼ 5.3%€127,931▲ 4.4%€129,135▲ 0.9%€165,227▲ 27.9%
Debt€28,018▲ 10.0%€19,248▼ 31.3%€26,750▲ 39.0%€36,086▲ 34.9%€76,544▲ 112%
Working capital€71,945▲ 25.7%€76,625▲ 6.5%€77,307▲ 0.9%€68,645▼ 11.2%€60,074▼ 12.5%
Solvency78.3%▲ 0.5pp84.3%▲ 5.9pp79.1%▼ 5.2pp72.1%▼ 7.0pp53.7%▼ 18.4pp
Staff (FTE)1=1=1=1=1=
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 2024: €14,155 after a loss of €7,014 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €165,227
Fixed assets
€31,885 ▲ 27.7%
Current assets
€133,342 ▲ 28.0%
Equity and liabilities €165,227
Equity
€88,683 ▼ 4.7%
Debt
€76,544 ▲ 112%
Debt's share of the balance-sheet total rises from 27.9% to 46.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
12.0%▲
2023 · -8.7%
ROA
6.4%▲
2023 · -6.3%
Debt ≤ 1 year
€73,268▲
2023 · €35,516
Debt > 1 year
€3,276
Income taxes
€2,510▲
2023 · €380
Staff costs
€54,782▲
2023 · €53,857
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €20,330 | - | - |
| Remuneration, social security and pensions62 | - | €49,653 | €49,126 | €53,857 | €54,782 | ▲ 1.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,347 | €4,465 | €3,429 | €965 | €2,389 | ▲ 148% |
| Other operating charges640/8 | - | €1,158 | €1,174 | €5,825 | €6,345 | ▲ 8.9% |
| Non-recurring operating charges66A | - | - | - | €824 | - | - |
| Gross operating margin9900 | €68,550 | €60,391 | €54,387 | €54,457 | €77,671 | ▲ 42.6% |
| Operating profit (loss)9901 | €17,654 | €5,115 | €659 | -€7,014 | €14,155 | ▲ 302% |
| Financial income75/76B | - | €697 | €969 | €179 | €80 | ▼ 55.1% |
| Recurring financial income75 | €638 | €697 | €969 | €179 | €80 | ▼ 55.1% |
| Financial charges65/66B | - | €1,178 | €743 | €916 | €1,090 | ▲ 19.0% |
| Recurring financial charges65 | €1,247 | €1,178 | €743 | €916 | €1,090 | ▲ 19.0% |
| Profit (loss) for the period before taxes9903 | €17,045 | €4,633 | €885 | -€7,751 | €13,145 | ▲ 270% |
| Income taxes67/77 | €5,174 | €2,784 | €2,941 | €380 | €2,510 | ▲ 560% |
| Profit (loss) for the period9904 | €11,872 | €1,850 | -€2,056 | -€8,131 | €10,634 | ▲ 231% |
| Profit (loss) for the period to be appropriated9905 | €11,872 | €1,850 | -€2,056 | -€8,131 | €10,634 | ▲ 231% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €129,404 | €122,485 | €127,931 | €129,135 | €165,227 | ▲ 27.9% |
| Fixed assets21/28 | €31,767 | €27,302 | €23,873 | €24,974 | €31,885 | ▲ 27.7% |
| Tangible fixed assets22/27 | €31,767 | €27,302 | €23,873 | €24,974 | €31,885 | ▲ 27.7% |
| Furniture and vehicles24 | - | €27,302 | €23,873 | €24,974 | €31,885 | ▲ 27.7% |
| Current assets29/58 | €97,638 | €95,183 | €104,058 | €104,161 | €133,342 | ▲ 28.0% |
| Amounts receivable within one year40/41 | €52,699 | €55,932 | €69,061 | €74,033 | €85,292 | ▲ 15.2% |
| Trade receivables40 | - | €24,774 | €41,906 | €49,041 | €67,397 | ▲ 37.4% |
| Other amounts receivable41 | - | €31,158 | €27,155 | €24,992 | €17,895 | ▼ 28.4% |
| Cash at bank and in hand54/58 | €42,886 | €37,290 | €31,949 | €10,911 | €32,947 | ▲ 202% |
| Deferred charges and accrued income490/1 | - | €1,961 | €3,048 | €19,217 | €15,103 | ▼ 21.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €129,404 | €122,485 | €127,931 | €129,135 | €165,227 | ▲ 27.9% |
| Equity10/15 | €101,387 | €103,236 | €101,180 | €93,049 | €88,683 | ▼ 4.7% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €52,859 | €52,859 | €52,859 | €52,859 | €48,459 | ▼ 8.3% |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | - | €51,000 | €51,000 | €51,000 | €46,600 | ▼ 8.6% |
| Profit (loss) carried forward14 | €42,328 | €44,177 | €42,121 | €33,990 | €34,024 | ▲ 0.1% |
| Amounts payable17/49 | €28,018 | €19,248 | €26,750 | €36,086 | €76,544 | ▲ 112% |
| Amounts payable after more than one year17 | €2,325 | €690 | - | - | €3,276 | - |
| Financial debts170/4 | - | €690 | - | - | €3,276 | - |
| Amounts payable within one year42/48 | €25,693 | €18,558 | €26,750 | €35,516 | €73,268 | ▲ 106% |
| Current portion of amounts payable after more than one year42 | - | €1,635 | €690 | - | €3,496 | - |
| Financial debts43 | - | - | - | €42 | €62 | ▲ 47.1% |
| Credit institutions430/8 | - | - | - | €42 | €62 | ▲ 47.1% |
| Trade debts44 | €10,107 | €3,703 | €13,114 | €18,201 | €42,445 | ▲ 133% |
| Suppliers440/4 | - | €3,703 | €13,114 | €18,201 | €42,445 | ▲ 133% |
| Taxes, remuneration and social security45 | - | €13,220 | €12,946 | €17,272 | €8,327 | ▼ 51.8% |
| Taxes450/3 | - | €4,016 | €4,526 | €4,940 | - | - |
| Remuneration and social security454/9 | - | €9,205 | €8,420 | €12,332 | €8,327 | ▼ 32.5% |
| Other amounts payable47/48 | - | - | - | - | €18,938 | - |
| Accrued charges and deferred income492/3 | - | - | - | €570 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,872 | €1,850 | -€2,056 | -€8,131 | €10,634 | ▲ 231% |
| + Depreciation and write-downs630 | €5,347 | €4,465 | €3,429 | €965 | €2,389 | ▲ 148% |
| Operating cash flow (approximation) | €17,219 | €6,315 | €1,373 | -€7,167 | €13,023 | ▲ 282% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€2,066 | -€9,300 | ▼ 350% |
| Change in cash | - | -€5,595 | -€5,341 | -€21,037 | €22,036 | ▲ 205% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €10,634
Net result €10,634 after 2 loss-making years.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€8,131
Net result drops to -€8,131, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Equity above €100,000Eq €101,387 ▲13.3%
3 profitable years in a row build equity to €101,387.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Wavre · 1 establishment unit since 1992
Ground area
5,584 m²
Building footprint
1,536 m²
Volume, LiDAR
12,225 m³
2 parcels, Wallonia · tallest building 9.1 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JEAN PIERRE
since 19922.056.220.252
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25003D0035/00Y000 | Wallonia | 3,821 m² | 1 · 1,450 m² | 8.7 m · 3 fl. |
| 25055A0132/00C000 | Wallonia | 1,763 m² | 1 · 86 m² | 9.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 853 companies in sector 66210 we hold annual accounts for 511. 441 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-12-1991
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0446088053
Registered
18-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.