JEPA
ActiveJEPA has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €426k and a net result of €56k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 92% of 27619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (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
Profitability83▲+7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 25.07 against 7.34 in 2024; short-term debt: 2.6% and cash: 60.3% of total assets), and 11.9% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
88.1%
Return on assets
11.6%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
26 d late
2023
27 d late
2022
32 d late
2021
23 d late
2020
10 d late
2019
24 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
Equity
€426k▲ 15.2%
2024 · €370k
2018: €154k
2019: €181k
2020: €205k
2021: €247k
2022: €297k
2023: €344k
2024: €370k
2018 → 2025
Total assets
€484k▲ 7.8%
2024 · €449k
2018: €306k
2019: €320k
2020: €339k
2021: €371k
2022: €428k
2023: €445k
2024: €449k
2018 → 2025
Net result
€56k▲ 122%
2024 · €25k
2018: €16k
2019: €39k
2020: €25k
2021: €42k
2022: €59k
2023: €47k
2024: €25k
2018 → 2025
Working capital
€308k▲ 43.0%
2024 · €216k
2018: €89k
2019: €117k
2020: €143k
2021: €181k
2022: €227k
2023: €250k
2024: €216k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€247k-€297k▲ 20.3%€344k▲ 16.0%€370k▲ 7.4%€426k▲ 15.2%
Operating result€63k-€79k▲ 26.3%€71k▼ 10.9%€38k▼ 46.6%€72k▲ 91.2%
Net result€42k-€59k▲ 39.9%€47k▼ 18.9%€25k▼ 46.6%€56k▲ 122%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 91% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €484k
Fixed assets
€163k▼ 18.3%
Current assets
€321k▲ 28.7%
Equity and liabilities €484k
Equity
€426k▲ 15.2%
Debt
€58k▼ 27.0%
The debt ratio falls from 17.6% to 11.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€96k▲
2024 · €57k
Cash flow
€80k▲
2024 · €45k
Solvency
88.1%▲
2024 · 82.4%
Current ratio
25.07▲
2024 · 7.34
Quick ratio
23.74▲
2024 · 6.79
Debt / equity
0.14▼
2024 · 0.21
ROE
13.2%▲
2024 · 6.9%
ROA
11.6%▲
2024 · 5.7%
Interest coverage
45.93▲
2024 · 37.87
Debt
€58k▼
2024 · €79k
Debt ≤ 1 year
€13k▼
2024 · €34k
Debt > 1 year
€45k=
2024 · €45k
Income taxes
€25k▲
2024 · €12k
Staff costs
€543
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€449k€484k▲
Fixed assets21/28€199k€163k▼
Tangible fixed assets22/27€199k€162k▼
Land and buildings22€123k€115k▼
Plant, machinery and equipment23€1k€764▼
Furniture and vehicles24€75k€47k▼
Financial fixed assets28€270€270=
Current assets29/58€250k€321k▲
Stocks and contracts in progress3€19k€17k▼
Stocks30/36€19k€17k▼
Amounts receivable within one year40/41€19k€9k▼
Trade receivables40€12k€5k▼
Other amounts receivable41€7k€5k▼
Current investments50/53€100k-
Cash at bank and in hand54/58€108k€292k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€449k€484k▲
Equity10/15€370k€426k▲
Contributions10/11€19k€19k=
Reserves13€294k€294k=
Distributable reserves133€294k€294k=
Profit (loss) carried forward14€58k€114k▲
Amounts payable17/49€79k€58k▼
Amounts payable after more than one year17€45k€45k=
Financial debts170/4€45k€45k=
Amounts payable within one year42/48€34k€13k▼
Current portion of amounts payable after more than one year42€13k-
Financial debts43-€341
Credit institutions430/8-€341
Trade debts44€18k€12k▼
Suppliers440/4€18k€12k▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€3k-
Accrued charges and deferred income492/3€58-
Income statement
Code20242025
Non-recurring operating income76A€2k-
Remuneration, social security and pensions62-€543
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€24k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€60k€99k▲
Operating profit (loss)9901€38k€72k▲
Financial income75/76B€920€11k▲
Recurring financial income75€920€4k▲
Non-recurring financial income76B-€7k
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€37k€81k▲
Income taxes67/77€12k€25k▲
Profit (loss) for the period9904€25k€56k▲
Profit (loss) for the period to be appropriated9905€25k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€83k€114k▲
Profit (loss) brought forward from the previous period14P€58k€58k=
Transfer to equity691/2€25k-
To other reserves6921€25k-
The notes to these accounts (7 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 25.07
Current ratio from 7.34 to 25.07; short-term debt falls from €34k to €13k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Highest result since 2018net €59k ▲39.9%
Operating result €79k, net result €59k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 10 days late
2020
31-12
Financial
Equity above €200kEq €205k ▲13.6%
3 profitable years in a row build equity to €205k.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 24 days late
2019
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-06
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
3 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, Riemst · 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.
Biesenakkers 73770 RiemstGround area
685 m²
Building footprint
361 m²
Volume, LiDAR
2,454 m³
Parcel 73066A0267/00C000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jepa BVBA
since 20142.233.894.558
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73066A0267/00C000 | Flanders | 685 m² | 1 · 361 m² | 7.7 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 960 EUR awarded · 960 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 316 EUR | 316 EUR |
| 2022 | 1 | 644 EUR | 644 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,211 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-07-2004
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43211General electrical installation work
43350Other building finishing work
46842Wholesale trade
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
95220Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.