JEF CASTEELS & C°
ActiveJEF CASTEELS & C° has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €668k and a net result of €194k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 31% of 4860 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▼-25
Solvency54▼-21
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 2.17 in 2024; short-term debt: 54.4% and cash: 37.2% of total assets), and 71.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
28.6%
Return on assets
8.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
17 d late
2024
61 d late
2023
30 d late
2022
3 d early
2021
8 d late
2020
30 d late
2019
20 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€194k▼ 40.7%
2024 · €327k
2018: €81k
2019: €31k
2020: €254k
2021: €215k
2022: €366k
2023: €388k
2024: €327k
2018 → 2025
Working capital
€215k▼ 74.6%
2024 · €844k
2018: €399k
2019: €392k
2020: €533k
2021: €332k
2022: €279k
2023: €551k
2024: €844k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€671k-€670k▼ 0.2%€900k▲ 34.3%€1.23M▲ 36.3%€668k▼ 45.6%
Operating result€347k-€514k▲ 48.2%€553k▲ 7.7%€570k▲ 3.1%€212k▼ 62.8%
Net result€215k-€366k▲ 70.1%€388k▲ 6.0%€327k▼ 15.8%€194k▼ 40.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 63% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.34M
Fixed assets
€852k▼ 3.3%
Current assets
€1.49M▼ 4.9%
Equity and liabilities €2.34M
Equity
€668k▼ 45.6%
Debt
€1.67M▲ 37.2%
The debt ratio rises from 49.8% to 71.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€259k▼
2024 · €619k
Cash flow
€241k▼
2024 · €375k
Solvency
28.6%▼
2024 · 50.2%
Current ratio
1.17▼
2024 · 2.17
Quick ratio
0.89▼
2024 · 1.85
Debt / equity
2.50▲
2024 · 0.99
ROE
29.0%▲
2024 · 26.6%
ROA
8.3%▼
2024 · 13.4%
Interest coverage
3.68▼
2024 · 30.14
Debt
€1.67M▲
2024 · €1.22M
Debt ≤ 1 year
€1.27M▲
2024 · €720k
Debt > 1 year
€398k▼
2024 · €462k
Income taxes
€-34k▼
2024 · €225k
Staff costs
€1.01M▲
2024 · €781k
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€2.44M€2.34M▼
Fixed assets21/28€880k€852k▼
Tangible fixed assets22/27€880k€852k▼
Land and buildings22€828k€821k▼
Plant, machinery and equipment23€35k€22k▼
Furniture and vehicles24€17k€9k▼
Current assets29/58€1.56M€1.49M▼
Stocks and contracts in progress3€232k€360k▲
Stocks30/36€232k€360k▲
Amounts receivable within one year40/41€418k€226k▼
Trade receivables40€173k€78k▼
Other amounts receivable41€244k€148k▼
Cash at bank and in hand54/58€886k€870k▼
Deferred charges and accrued income490/1€28k€31k▲
Equity and liabilities
Total equity and liabilities10/49€2.44M€2.34M▼
Equity10/15€1.23M€668k▼
Contributions10/11€62k€62k=
Capital10-€62k
Issued capital100-€62k
Reserves13€1.16M€606k▼
Non-distributable reserves130/1€39k€39k=
Legal reserve130-€39k
Reserves not available under the articles1311€39k-
Tax-exempt reserves132€11k€11k=
Distributable reserves133€1.12M€556k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€1.22M€1.67M▲
Amounts payable after more than one year17€462k€398k▼
Financial debts170/4€462k€398k▼
Amounts payable within one year42/48€720k€1.27M▲
Current portion of amounts payable after more than one year42€93k€89k▼
Trade debts44€516k€525k▲
Suppliers440/4€516k€525k▲
Taxes, remuneration and social security45€111k€158k▲
Taxes450/3€26k€0▼
Remuneration and social security454/9€86k€158k▲
Other amounts payable47/48-€501k
Accrued charges and deferred income492/3€36k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€781k€1.01M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€47k▼
Other operating charges640/8€20k€19k▼
Gross operating margin9900€1.42M€1.29M▼
Operating profit (loss)9901€570k€212k▼
Financial income75/76B€2k€18k▲
Recurring financial income75€2k€18k▲
Financial charges65/66B€21k€70k▲
Recurring financial charges65€21k€70k▲
Profit (loss) for the period before taxes9903€552k€160k▼
Income taxes67/77€225k€-34k▼
Profit (loss) for the period9904€327k€194k▼
Profit (loss) for the period to be appropriated9905€327k€194k▼
Appropriation of the result
Profit (loss) to be appropriated9906€327k€194k▼
Transfer from equity791/2-€715k
Transfer to equity691/2€327k€156k▼
To other reserves6921€327k€156k▼
Profit to be distributed694/7-€753k
Return on contributions (dividend)694-€753k
Social balance
Average headcount (FTE)90879.711.4▲
The notes to these accounts (19 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 17 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
31-12
Financial
Equity above €1MEq €1.23M ▲36.3%
7 profitable years in a row build equity to €1.23M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €388k ▲6%
Net result €388k, the highest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 8 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
31-12
Financial
Weakest financial yearnet €31k ▼62.1%
Net result drops to €31k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
15-06
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
6 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, Aarschot · 1 establishment unit since 2005
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.
Ter Heidelaan 523200 AarschotGround area
7,111 m²
Building footprint
2,239 m²
Volume, LiDAR
12,486 m³
Parcel 24662F0022/00W003, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JEF CASTEELS EN CO
since 20052.149.344.905
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24662F0022/00W003 | Flanders | 7,111 m² | 1 · 2,239 m² | 8.1 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.
Similar companies · same sector, comparable size
BUYSSE BOUWMATERIALEN
BE 0415.833.258
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BE 0416.839.187
Lokeren · Eq €669k
BALVINOX
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Perwez · Eq €669k
VERWARMING SANITAIR CENTER
BE 0465.535.464
Oudsbergen · Eq €666k
HOOYBERGHS
BE 0437.631.732
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Of 1,803 companies in sector 46831 we hold annual accounts for 1,397. 1,035 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-01-1996
Fiscal year end31-12
Activities, NACEBEL
25120Manufacture of fabricated metal products, except machinery and equipment
28120
46831Wholesale of construction materials, general range
51532
43211General electrical installation work
43320Joinery installation
45310
45421
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.casteelsnv.be
E-mail:info@casteelsnv.be