Financials
- Fiscal year
- 2025
- Total assets
- €129,660
- Profit
- €21,852
- Solvency
- 89.2%
Total assets▲ 17.9%
Net result
20222025
JEF GARDEYN
ActiveSummary
JEF GARDEYN has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115,684 and a net result of €21,852. Equity is growing by ~41.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).
Overview
Activity
Activity not known1 site
Size
€129,660total assets 2025
- Equity
- €115,684
- Profit
- €21,852
Turnover not published (abridged schema)
Structure
Accounts filed 26 d late0 of 2 deeds read
Why 72- 1 change of registered office in 24 months- No main activity registered+ Liquidity: current ratio 6.82, cash €94,314+ Size: total assets €129,660Show the evidence
Checked score
Score 2025
72
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 81% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100=
equity 89.2% of total assets
Liquidity
100+3
short-term debt 10.8% · cash 72.7%
Profitability
90-10
return on assets 16.9%
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 10 months
01-2026: 0.6%lowest value
02-2026: 0.6%● 0.0% vs 01-2026lowest value
03-2026: 0.6%● 0.0% vs 02-2026lowest value
04-2026: 0.7%▲ +28.0% vs 03-2026
05-2026: 0.9%▲ +26.8% vs 04-2026
06-2026: 1.1%▲ +18.5% vs 05-2026
07-2026: 1.2%▲ +8.1% vs 06-2026
08-2026: 2.2%▲ +80.8% vs 07-2026highest value
09-2026: 0.7%▼ -68.2% vs 08-2026
10-2026: 0.7%● 0.0% vs 09-2026
- Liquidity: current ratio 6.82, cash €94,314 lowers the probability
- Size: total assets €129,660 lowers the probability for this profile
- 1 change of registered office in 24 months raises the probability
- No main activity registered raises the probability
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 6.82 against 4.7 in 2024; short-term debt: 10.8% and cash: 72.7% of total assets), and 10.8% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 90%, profitability 73%, growth against the median 78%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 4 filingsDeviation from the deadline
2025
26 d late
2024
21 d late
2023
22 d late
2022
11 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 4 accounts on average 20 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
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. Usually files around 22 August (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Weakest financial yearnet €21,852 ▼34.9%
- Equity above €100,000Eq €115,684 ▲23.3%
Key points
By topic
Timeline
- Events
- 7
- Since
- 2023
- Next accounts
- by 31-07-2027
- 26-08-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 31-12-2025Equity above €100,000
Company details
- Sites
- 1
- Legal form
- Private limited company
- Founded
- 27-01-2022
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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