jebofisc
ActiveSummary
jebofisc has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €31k. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 91% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+2
Solvency100=
Growth68=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 10.91 against 18.98 in 2024; short-term debt: 8.8% and cash: 53.9% of total assets), and 8.8% 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.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
91.2%
Return on assets
29.1%
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 19-04-2026, 103 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
103 d early
2024
11 d early
2023
3 d early
2022
69 d early
2021
24 d early
2020
4 d early
2019
37 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
Turnover
€88k▲ 4.9%
2019 · €84k
2019: €84k
2019 → 2020
EBIT margin
36.4%▲ 0.5pp
2019 · 35.9%
2019: 35.9%
2019 → 2020
Net result
€31k▲ 8.1%
2024 · €29k
2019: €22k
2020: €23k
2021: €20k
2022: €23k
2023: €25k
2024: €29k
2019 → 2025
Working capital
€92k▼ 14.5%
2024 · €108k
2019: €25k
2020: €50k
2021: €71k
2022: €101k
2023: €87k
2024: €108k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€103k▲ 37.4%€87k▼ 15.7%€115k▲ 32.9%€97k▼ 16.0%
Operating result€29k-€32k▲ 11.4%€31k▼ 3.5%€35k▲ 12.9%€38k▲ 8.8%
Net result€20k-€23k▲ 11.3%€25k▲ 10.9%€29k▲ 13.9%€31k▲ 8.1%
Turnover and EBIT margin not published: the 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 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€5k ▼ 37.1%
Current assets
€101k ▼ 10.8%
Equity and liabilities €106k
Equity
€97k ▼ 16.0%
Debt
€9k ▲ 55.3%
Debt's share of the balance-sheet total rises from 4.9% to 8.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€40k▲
2024 · €35k
Cash flow
€34k▲
2024 · €29k
Current ratio
10.91▼
2024 · 18.98
Debt to equity
0.10▲
2024 · 0.05
ROE
31.8%▲
2024 · 24.8%
ROA
29.1%▲
2024 · 23.5%
Interest coverage
560.55▲
2024 · 205.32
Debt ≤ 1 year
€9k▲
2024 · €6k
Income taxes
€8k▲
2024 · €8k
Staff costs
€2k▼
2024 · €2k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€121k€106k▼
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€8k€5k▼
Furniture and vehicles24€8k€5k▼
Current assets29/58€114k€101k▼
Amounts receivable within one year40/41€56k€42k▼
Trade receivables40€11k€8k▼
Other amounts receivable41€45k€34k▼
Cash at bank and in hand54/58€56k€57k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€121k€106k▼
Equity10/15€115k€97k▼
Contributions10/11€3k€3k=
Reserves13€113k€94k▼
Distributable reserves133€113k€94k▼
Amounts payable17/49€6k€9k▲
Amounts payable within one year42/48€6k€9k▲
Trade debts44€938€472▼
Suppliers440/4€938€472▼
Taxes, remuneration and social security45€4k€8k▲
Taxes450/3€4k€5k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€799€798▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€850€3k▲
Other operating charges640/8€131€134▲
Gross operating margin9900€38k€43k▲
Operating profit (loss)9901€35k€38k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€173€72▼
Recurring financial charges65€173€72▼
Profit (loss) for the period before taxes9903€36k€39k▲
Income taxes67/77€8k€8k▲
Profit (loss) for the period9904€29k€31k▲
Profit (loss) for the period to be appropriated9905€29k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€31k▲
Transfer from equity791/2-€49k
Transfer to equity691/2€29k€31k▲
To other reserves6921€29k€31k▲
Profit to be distributed694/7-€49k
Return on contributions (dividend)694-€49k
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
19-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €31k ▲8.1%
Operating result €38k, net result €31k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 5current ratio 18.98
Current ratio from 3.68 to 18.98; short-term debt falls from €32k to €6k.
31-12
Financial
Equity above €100kEq €115k ▲32.9%
6 profitable years in a row build equity to €115k.
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €103k ▲37.4%
4 profitable years in a row build equity to €103k.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €20k ▼12%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 6.21
Current ratio from 3.03 to 6.21; short-term debt falls from €24k to €14k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro 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, Heusden-Zolder · 1 establishment unit since 2019
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.
Savoerenweg 253550 Heusden-ZolderGround area
537 m²
Building footprint
104 m²
Volume, LiDAR
530 m³
Parcel 71025A1506/00M000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
jebofisc
since 20192.283.619.629
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71025A1506/00M000 | Flanders | 537 m² | 1 · 104 m² | 7.5 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 30 EUR awarded · 30 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 30 EUR | 30 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,467 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
Founded09-01-2019
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.