Summary
JEF BLONTROCK is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.11M and a net result of €182k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 66% of 5527 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit check for your own amount and term
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 31-12-2025 was due by 31-07-2026 and was filed on 02-03-2026, 151 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
151 d early
2024
128 d early
2023
166 d early
2022
154 d early
2021
139 d early
2020
158 d early
2019
57 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, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€1.11M▼ 11.2%
2024 · €1.25M
2018: €842k
2019: €871k
2020: €889k
2021: €914k
2022: €895k
2023: €977k
2024: €1.25M
2018 → 2025
Net result
€182k▼ 54.7%
2024 · €401k
2018: €27k
2019: €30k
2020: €18k
2021: €68k
2022: €47k
2023: €82k
2024: €401k
2018 → 2025
Total assets
€1.61M▼ 1.4%
2024 · €1.63M
2018: €1.56M
2019: €1.58M
2020: €1.60M
2021: €1.56M
2022: €1.50M
2023: €1.55M
2024: €1.63M
2018 → 2025
Solvency
69.1%▼ 7.7pp
2024 · 76.8%
2018: 54.1%
2019: 55.2%
2020: 55.6%
2021: 58.7%
2022: 59.6%
2023: 62.9%
2024: 76.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€914k-€895k▼ 2.1%€977k▲ 9.2%€1.25M▲ 28.0%€1.11M▼ 11.2%
Operating result€100k-€75k▼ 24.7%€125k▲ 67.1%€31k▼ 75.6%€-22k
Net result€68k-€47k▼ 31.1%€82k▲ 76.5%€401k▲ 386%€182k▼ 54.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €22k after €31k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.61M
Fixed assets
€1.40M ▼ 0.1%
Current assets
€208k ▼ 9.3%
Equity and liabilities €1.61M
Equity
€1.11M ▼ 11.2%
Debt
€497k ▲ 31.2%
Debt's share of the balance-sheet total rises from 23.2% to 30.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
16.4%▼
2024 · 32.1%
ROA
11.3%▼
2024 · 24.6%
Debt ≤ 1 year
€272k▲
2024 · €134k
Debt > 1 year
€210k▼
2024 · €245k
Income taxes
€18k▼
2024 · €40k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.63M€1.61M▼
Fixed assets21/28€1.40M€1.40M▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€1k€1k▲
Financial fixed assets28€1.40M€1.40M=
Current assets29/58€229k€208k▼
Amounts receivable within one year40/41€13k€22k▲
Trade receivables40€3k€22k▲
Other amounts receivable41€10k€214▼
Cash at bank and in hand54/58€216k€186k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€1.63M€1.61M▼
Equity10/15€1.25M€1.11M▼
Contributions10/11€507k€250k▼
Reserves13€743k€860k▲
Distributable reserves133€743k€860k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€379k€497k▲
Amounts payable after more than one year17€245k€210k▼
Financial debts170/4€245k€210k▼
Amounts payable within one year42/48€134k€272k▲
Current portion of amounts payable after more than one year42€70k€35k▼
Financial debts43€8k€0▼
Credit institutions430/8€8k€0▼
Trade debts44€233€215▼
Suppliers440/4€233€215▼
Taxes, remuneration and social security45€55k€28k▼
Taxes450/3€55k€28k▼
Other amounts payable47/48€0€209k▲
Accrued charges and deferred income492/3-€15k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€4k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€41k€-16k▼
Operating profit (loss)9901€31k€-22k▼
Financial income75/76B€499k€249k▼
Recurring financial income75€499k€249k▼
Financial charges65/66B€88k€27k▼
Recurring financial charges65€88k€27k▼
Profit (loss) for the period before taxes9903€441k€200k▼
Income taxes67/77€40k€18k▼
Profit (loss) for the period9904€401k€182k▼
Profit (loss) for the period to be appropriated9905€401k€182k▼
Appropriation of the result
Profit (loss) to be appropriated9906€401k€182k▼
Transfer from equity791/2€26k€65k▲
Transfer to equity691/2€401k€182k▼
To other reserves6921€401k€182k▼
Profit to be distributed694/7€26k€65k▲
Return on contributions (dividend)694€26k€65k▲
The notes to these accounts (11 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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €401k ▲386%
Net result €401k, the highest in the series.
31-12
Financial
Equity above €1MEq €1.25M ▲28%
7 profitable years in a row build equity to €1.25M.
16-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €18k ▼40.6%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Brugge · 1 establishment unit since 2014
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.
Zandstraat 1208200 BruggeGround area
800 m²
Building footprint
194 m²
Volume, LiDAR
1,180 m³
Parcel 31425C0239/00D002, Flanders · tallest building 12.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JEF BLONTROCK
since 20142.238.888.870
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31425C0239/00D002 | Flanders | 800 m² | 1 · 194 m² | 12.1 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.
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GBI
BE 0768.808.241
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FLEDER
BE 0668.608.231
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NEMASSUR
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,426 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
Founded30-12-2014
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.