Jefiko 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 €1.78M and a net result of €655k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 55% of 9863 sector peers (fiscal year 2024). The company has been active since 2015 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 advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
68 d late
2022
31 d late
2021
61 d late
2020
61 d late
2019
41 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€1.78M▼ 20.0%
2023 · €2.23M
2018: €545k
2019: €773k
2020: €1.09M
2021: €1.46M
2022: €1.75M
2023: €2.23M
2018 → 2024
Net result
€655k▲ 37.8%
2023 · €475k
2018: €197k
2019: €229k
2020: €321k
2021: €363k
2022: €294k
2023: €475k
2018 → 2024
Total assets
€2.95M▲ 23.5%
2023 · €2.39M
2018: €584k
2019: €798k
2020: €1.19M
2021: €1.52M
2022: €1.89M
2023: €2.39M
2018 → 2024
Solvency
60.3%▼ 32.8pp
2023 · 93.1%
2018: 93.2%
2019: 96.9%
2020: 91.7%
2021: 95.8%
2022: 92.7%
2023: 93.1%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.09M-€1.46M▲ 33.1%€1.75M▲ 20.2%€2.23M▲ 27.1%€1.78M▼ 20.0%
Operating result€428k-€479k▲ 11.9%€388k▼ 18.9%€613k▲ 57.9%€813k▲ 32.5%
Net result€321k-€363k▲ 12.8%€294k▼ 18.9%€475k▲ 61.5%€655k▲ 37.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 32% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.95M
Fixed assets
€629k▼ 6.9%
Current assets
€2.32M▲ 35.5%
Equity and liabilities €2.95M
Equity
€1.78M▼ 20.0%
Debt
€1.17M▲ 613%
The debt ratio rises from 6.9% to 39.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
60.3%▼
2023 · 93.1%
ROE
36.8%▲
2023 · 21.3%
ROA
22.2%▲
2023 · 19.9%
Debt
€1.17M▲
2023 · €165k
Debt ≤ 1 year
€1.11M▲
2023 · €103k
Income taxes
€219k▲
2023 · €159k
Staff costs
€56k▼
2023 · €65k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.39M€2.95M▲
Fixed assets21/28€676k€629k▼
Tangible fixed assets22/27€674k€627k▼
Land and buildings22€580k€562k▼
Plant, machinery and equipment23€21k€15k▼
Furniture and vehicles24€72k€49k▼
Financial fixed assets28€3k€3k=
Current assets29/58€1.71M€2.32M▲
Amounts receivable within one year40/41€5k€176k▲
Trade receivables40€2k€73k▲
Other amounts receivable41€3k€103k▲
Current investments50/53€1.26M€1.10M▼
Cash at bank and in hand54/58€439k€1.01M▲
Deferred charges and accrued income490/1€15k€34k▲
Equity and liabilities
Total equity and liabilities10/49€2.39M€2.95M▲
Equity10/15€2.23M€1.78M▼
Contributions10/11€19k€19k=
Reserves13€2.21M€1.76M▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€2.21M€1.76M▼
Amounts payable17/49€165k€1.17M▲
Amounts payable within one year42/48€103k€1.11M▲
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€83k€150k▲
Taxes450/3€70k€137k▲
Remuneration and social security454/9€13k€13k▲
Other amounts payable47/48€17k€953k▲
Accrued charges and deferred income492/3€61k€65k▲
Income statement
Code20232024
Remuneration, social security and pensions62€65k€56k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€68k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€747k€940k▲
Operating profit (loss)9901€613k€813k▲
Financial income75/76B€21k€61k▲
Recurring financial income75€21k€57k▲
Non-recurring financial income76B-€3k
Financial charges65/66B€157€240▲
Recurring financial charges65€157€240▲
Profit (loss) for the period before taxes9903€634k€873k▲
Income taxes67/77€159k€219k▲
Profit (loss) for the period9904€475k€655k▲
Profit (loss) for the period to be appropriated9905€475k€655k▲
Appropriation of the result
Profit (loss) to be appropriated9906€475k€655k▲
Transfer from equity791/2-€1.10M
Transfer to equity691/2€475k€655k▲
To other reserves6921€475k€655k▲
Profit to be distributed694/7-€1.10M
Return on contributions (dividend)694-€1.10M
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €655k ▲37.8%
Operating result €813k, net result €655k, both a record.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Equity above €2MEq €2.23M ▲27.1%
6 profitable years in a row build equity to €2.23M.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 21.39
Current ratio from 10.03 to 21.39; short-term debt falls from €99k to €64k.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Equity above €1MEq €1.09M ▲41.6%
3 profitable years in a row build equity to €1.09M.
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 26.44
Current ratio from 11.98 to 26.44; short-term debt falls from €40k to €25k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Torhout · 1 establishment unit since 2015
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.
Bruggestraat 738820 TorhoutGround area
908 m²
Building footprint
118 m²
Volume, LiDAR
973 m³
Parcel 31522C0903/00B002, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bruggestraat 73, 8820 Torhout
since 20152.249.585.297
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31522C0903/00B002 | Flanders | 908 m² | 1 · 118 m² | 12.2 m · 3 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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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 11,246 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-12-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
81210General cleaning of buildings
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@dewaterbeer.be