Jennifer Duval
ActiveJennifer Duval has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132k and a net result of €46k. Its solvency ranks better than 70% of 12665 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+7
Growth52
Track record82
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days only on tighter terms
Liquidity ample (current ratio 3.96 against 3.15 in 2024; short-term debt: 25.3% and cash: 20% of total assets), and 25.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · Young company
A young company has little track record yet and statistically fails more often than an established 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
74.7%
Return on assets
26%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-09-2026, 36 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 · 2 filingsDeviation from the deadline
2025
36 d late
2024
27 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€46k▼ 45.3%
2024 · €84k
2024: €84k
2024 → 2025
Working capital
€132k▲ 53.6%
2024 · €86k
2024: €86k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€86k-€132k▲ 53.4%
Operating result€107k-€60k▼ 44.1%
Net result€84k-€46k▼ 45.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €177k
Equity
€132k▲ 53.4%
Debt
€45k▲ 11.5%
The debt ratio falls from 31.7% to 25.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€60k▼
2024 · €108k
Cash flow
€46k▼
2024 · €84k
Solvency
74.7%▲
2024 · 68.3%
Current ratio
3.96▲
2024 · 3.15
Quick ratio
3.96▲
2024 · 3.15
Debt / equity
0.34▼
2024 · 0.46
ROE
34.8%▼
2024 · 97.7%
ROA
26.0%▼
2024 · 66.7%
Interest coverage
28.83▼
2024 · 457.67
Debt
€45k▲
2024 · €40k
Debt ≤ 1 year
€45k▲
2024 · €40k
Income taxes
€12k▼
2024 · €23k
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€126k€177k▲
Fixed assets21/28€86-
Tangible fixed assets22/27€86€0▼
Furniture and vehicles24€86-
Current assets29/58€126k€177k▲
Amounts receivable within one year40/41€86k€139k▲
Trade receivables40€74k€107k▲
Other amounts receivable41€11k€32k▲
Cash at bank and in hand54/58€41k€35k▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€126k€177k▲
Equity10/15€86k€132k▲
Contributions10/11€2k€2k=
Reserves13€80k€130k▲
Distributable reserves133€80k€130k▲
Profit (loss) carried forward14€4k€337▼
Amounts payable17/49€40k€45k▲
Amounts payable within one year42/48€40k€45k▲
Trade debts44€23€50▲
Suppliers440/4€23€50▲
Taxes, remuneration and social security45€40k€45k▲
Taxes450/3€40k€45k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€104€86▼
Other operating charges640/8€387-
Gross operating margin9900€108k€60k▼
Operating profit (loss)9901€107k€60k▼
Financial charges65/66B€235€2k▲
Recurring financial charges65€235€2k▲
Profit (loss) for the period before taxes9903€107k€58k▼
Income taxes67/77€23k€12k▼
Profit (loss) for the period9904€84k€46k▼
Profit (loss) for the period to be appropriated9905€84k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€84k€50k▼
Profit (loss) brought forward from the previous period14P-€4k
Transfer to equity691/2€80k€50k▼
To other reserves6921€80k€50k▼
The notes to these accounts (5 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
05-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 36 days late
2025
31-12
Financial
Equity above €100kEq €132k ▲53.4%
2 profitable years in a row build equity to €132k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 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, Sint-Pieters-Leeuw · 1 establishment unit since 2024
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.
Meerweg 1131601 Sint-Pieters-LeeuwGround area
1,913 m²
Building footprint
490 m²
Volume, LiDAR
2,825 m³
Parcel 23069A0105/00F000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Meerweg 113, 1601 Sint-Pieters-Leeuw
since 20242.357.654.680
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23069A0105/00F000 | Flanders | 1,913 m² | 1 · 490 m² | 8.4 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
Advocatenkantoor De Rijcker K.
BE 0803.834.347
Gistel · Eq €132k
ELH-law
BE 1006.010.754
Brussel · Eq €132k
Jean BOUDRY Avocats
BE 0795.309.235
Namur · Eq €132k
NT Law
BE 0783.858.780
Elsene · Eq €132k
Advocatenkantoor Petra Gabriël
BE 0745.940.985
Haaltert · Eq €133k
Of 22,051 companies in sector 69101 we hold annual accounts for 9,053. 7,543 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2024
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.