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JEPS

Active
Public limited companyfounded 198838 yrs activeChemin des Loriots(SL) 15, 5020 Namur, BelgiumKBO/BCE: BE 0434.025.807

JEPS has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €16k. Equity is shrinking by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 16% of 10252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Checked score

Score 2025
48 / 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+18
Solvency31▲+3
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.9 in 2024; short-term debt: 94.2% and cash: 3.1% of total assets), and 94.4% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Ten signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 38 years 0 40 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies more bankruptcies →
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
5.6%
Return on assets
2.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 10252 sector peers (2025).
NBB · sector comparison
Position among 10252 sector peers
Solvency
better than 16%
← weakest strongest →
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 · 10 filings
Deviation from the deadline
2025
26 d late
2024
60 d late
2023
64 d late
2022
12 d late
2021
71 d late
2020
74 d late
2019
67 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 months
Position in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity
€40k▲ 70.1%
2024 · €23k
2018: €42k 2019: €41k 2020: €56k 2021: €47k 2022: €45k 2023: €41k 2024: €23k
2018 → 2025
Total assets
€716k▲ 3.9%
2024 · €689k
2018: €420k 2019: €223k 2020: €304k 2021: €317k 2022: €673k 2023: €264k 2024: €689k
2018 → 2025
Net result
€16k
2024 · €-18k
2018: €11k 2019: €-765 2020: €15k 2021: €-9k 2022: €-2k 2023: €-4k 2024: €-18k
2018 → 2025
Working capital
€-23k▲ 66.4%
2024 · €-67k
2018: €56k 2019: €67k 2020: €18k 2021: €53k 2022: €49k 2023: €41k 2024: €-67k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€47k-€45k▼ 4.6%€41k▼ 8.5%€23k▼ 43.5%€40k▲ 70.1%
Operating result€-3k-€5k€-4k€3k€48k▲ 1,375%
Net result€-9k-€-2k▲ 75.7%€-4k▼ 77.8%€-18k▼ 368%€16k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-20k€0€20k€40kOperating result 2021: €-3k€-3kNet result 2021: €-9k€-9kOperating result 2022: €5k€5kNet result 2022: €-2k€-2kOperating result 2023: €-4k€-4kNet result 2023: €-4k€-4kOperating result 2024: €3k€3kNet result 2024: €-18k€-18kOperating result 2025: €48k€48kNet result 2025: €16k€16k20212022202320242025
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1,375% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €716k
Fixed assets €64k▼ 36.7%
Current assets €652k▲ 10.9%
Equity and liabilities €716k
Equity €40k▲ 70.1%
Debt €676k▲ 1.5%
The debt ratio falls from 96.6% to 94.4%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€87k
2024 · €46k
Cash flow
€56k
2024 · €24k
Solvency
5.6%
2024 · 3.4%
Current ratio
0.97
2024 · 0.90
Quick ratio
0.93
2024 · 0.78
Debt / equity
17.01
2024 · 28.48
ROE
41.2%
2024 · -77.0%
ROA
2.3%
2024 · -2.6%
Interest coverage
4.93
2024 · 3.57
Debt
€676k
2024 · €666k
Debt ≤ 1 year
€674k
2024 · €655k
Debt > 1 year
€2k
2024 · €11k
Income taxes
€14k
2024 · €8k
Staff costs
€322k
2024 · €292k
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€689k€716k
Fixed assets21/28€101k€64k
Tangible fixed assets22/27€101k€64k
Land and buildings22€43k€38k
Plant, machinery and equipment23€9k€9k
Furniture and vehicles24€49k€17k
Current assets29/58€588k€652k
Stocks and contracts in progress3€74k€25k
Stocks30/36€74k€25k
Amounts receivable within one year40/41€507k€605k
Trade receivables40€493k€584k
Other amounts receivable41€14k€21k
Cash at bank and in hand54/58€7k€22k
Equity and liabilities
Total equity and liabilities10/49€689k€716k
Equity10/15€23k€40k
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€-40k€-24k
Amounts payable17/49€666k€676k
Amounts payable after more than one year17€11k€2k
Financial debts170/4€11k€2k
Amounts payable within one year42/48€655k€674k
Current portion of amounts payable after more than one year42€34k€9k
Trade debts44€26k€226k
Suppliers440/4€26k€226k
Taxes, remuneration and social security45€27k€39k
Taxes450/3€21k€17k
Remuneration and social security454/9€7k€22k
Other amounts payable47/48€567k€400k
Income statement Code20242025
Remuneration, social security and pensions62€292k€322k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€40k
Other operating charges640/8€1k€1k
Gross operating margin9900€339k€411k
Operating profit (loss)9901€3k€48k
Financial income75/76B€3€0
Recurring financial income75€3€0
Financial charges65/66B€13k€18k
Recurring financial charges65€13k€18k
Profit (loss) for the period before taxes9903€-10k€30k
Income taxes67/77€8k€14k
Profit (loss) for the period9904€-18k€16k
Profit (loss) for the period to be appropriated9905€-18k€16k
Appropriation of the result
Profit (loss) to be appropriated9906€-40k€-24k
Profit (loss) brought forward from the previous period14P€-22k€-40k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
26-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
31-12
Financial Back to profitnet €16k
Net result €16k after 4 loss-making years.
29-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
03-10
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 64 days late
2023
12-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 12 days late
2022
10-10
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 71 days late
2021
13-10
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 74 days late
2020
31-12
Financial Back to profitnet €15k
Net result €15k after one loss-making year.
06-10
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
06-09
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 37 days late
2018
25-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 25 days late
2017
25-08
NBB filing Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
4 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, Namur · 2 establishment units since 1988
establishment approximate All 2 establishment units on the map
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.

Chemin des Loriots(SL) 155020 Namur
Ground area
4,609 m²
Building footprint
356 m²
Volume, LiDAR
1,058 m³
2 parcels, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
JEPS
Chemin des Loriots(SL) 15, 5020 NamurGeneral construction of buildings
since 19882.039.502.994
JEPS
Rue de la Grande Sambresse(TX) 5, 5020 NamurGeneral construction of buildings
since 20182.274.127.584
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92123C0477/00H000 Wallonia 2,609 m² 1 · 197 m² 8.1 m · 2 fl.
92120C0059/00W000 Wallonia 2,000 m² 1 · 159 m² -
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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

Of 3,043 companies in sector 47221 we hold annual accounts for 1,561. 1,261 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPublic limited company
Founded18-02-1988
Fiscal year end31-12
Activities, NACEBEL
47221Retail sale of meat and meat products, excluding game and poultry
52220
56101Full-service restaurants
56111Full-service restaurants
46321Wholesale of meat and meat products, excluding game and poultry
51321
55522
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 28 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.