Summary
Jerans is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €208,330 and a net result of €82,943. Equity has been growing by about 16% per year since 2019. Its solvency ranks better than 85% of 77 sector peers (NACE 65, financial year 2025). The company has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 22-10-2018 Normal situation
- Activity
- Insurance, reinsurance and pension funding, except compulsory social security NACE 65200and 1 other
- Establishment unit
- 2.281.416.046 2400 Mol, since 22-10-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €82,943
- ▲ 18.5%
- Equity
- €208,330
- ▼ 30.4%
- Total assets
- €239,922
- ▼ 31.7%
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
neutral
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 24-06-2026, 37 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
37 days early
2024
35 days early
2023
2 days late
2022
34 days early
2021
53 days early
2020
39 days early
2019
15 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 30 days before the deadline. In the sector (NACE 65), the median for financial year 2024 was 29 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 24-06-2026 at the NBB all 7 filings
Equity
€208,330▼ 30.4%
2024 · €299,186
Net result
€82,943▲ 18.5%
2024 · €69,969
Total assets
€239,922▼ 31.7%
2024 · €351,224
Solvency
86.8%▲ 1.6pp
2024 · 85.2%
Trend over the years
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result for 2025 is 20% higher than in 2024. It is a recovery after the fall in 2024.
Operating result€109,018
2025
Net result€82,943
2025
Total assets€239,922
2025
Equity€208,330
2025
Debt€31,592
2025
Working capital€146,025
2025
Return on assets (ROA)34.6%
2025
Solvency86.8%
2025
Current ratio5.62
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Insurance, reinsurance and pension funding, except compulsory social security (NACE 65). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line2019202020212022202320242025
Operating result€62,752-€86,173▲ 37.3%€114,526▲ 32.9%€71,165▼ 37.9%€129,262▲ 81.6%€90,505▼ 30.0%€109,018▲ 20.5%
Net result€48,433-€66,506within the sector's middle half▲ 37.3%€88,253above the sector's middle half▲ 32.7%€54,594within the sector's middle half▼ 38.1%€99,032above the sector's middle half▲ 81.4%€69,969within the sector's middle half▼ 29.3%€82,943within the sector's middle half▲ 18.5%
Equity€60,833-€127,339within the sector's middle half▲ 109%€215,592within the sector's middle half▲ 69.3%€270,185above the sector's middle half▲ 25.3%€229,218above the sector's middle half▼ 15.2%€299,186within the sector's middle half▲ 30.5%€208,330within the sector's middle half▼ 30.4%
Total assets€97,319-€182,535below the sector's middle half▲ 87.6%€258,050within the sector's middle half▲ 41.4%€369,801within the sector's middle half▲ 43.3%€305,787within the sector's middle half▼ 17.3%€351,224within the sector's middle half▲ 14.9%€239,922within the sector's middle half▼ 31.7%
Debt€36,486-€55,196▲ 51.3%€42,458▼ 23.1%€99,616▲ 135%€76,569▼ 23.1%€52,038▼ 32.0%€31,592▼ 39.3%
Working capital€42,752-€99,266within the sector's middle half▲ 132%€171,656above the sector's middle half▲ 72.9%€212,632above the sector's middle half▲ 23.9%€175,708above the sector's middle half▼ 17.4%€250,395above the sector's middle half▲ 42.5%€146,025within the sector's middle half▼ 41.7%
Solvency62.5%-69.8%within the sector's middle half▲ 7.3pp83.5%above the sector's middle half▲ 13.8pp73.1%above the sector's middle half▼ 10.5pp75.0%above the sector's middle half▲ 1.9pp85.2%above the sector's middle half▲ 10.2pp86.8%above the sector's middle half▲ 1.6pp
Current ratio3.55-5.30above the sector's middle half▲ 1.757.85above the sector's middle half▲ 2.557.04above the sector's middle half▼ 0.815.69above the sector's middle half▼ 1.357.66above the sector's middle half▲ 1.975.62above the sector's middle half▼ 2.04
Return on assets (ROA)49.8%-36.4%above the sector's middle half▼ 13.3pp34.2%above the sector's middle half▼ 2.2pp14.8%within the sector's middle half▼ 19.4pp32.4%above the sector's middle half▲ 17.6pp19.9%within the sector's middle half▼ 12.5pp34.6%above the sector's middle half▲ 14.6pp
above
within
below
The sector band is the middle half of the companies in Insurance, reinsurance and pension funding, except compulsory social security (NACE 65). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €239,922
Fixed assets
€62,305 ▼ 1.5%
Current assets
€177,617 ▼ 38.3%
Equity and liabilities €239,922
Equity
€208,330 ▼ 30.4%
Debt
€31,592 ▼ 39.3%
Debt's share of the balance-sheet total falls from 14.8% to 13.2%. Equity and debt are lower.
Key figures and ratios
ROE
39.8%▲
2024 · 23.4%
Debt ≤ 1 year
€31,592▼
2024 · €37,582
Income taxes
€27,628▲
2024 · €18,930
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €17,245 | €85,847 | - | - | €32,981 |
| Depreciation and write-downs of the year | €16,079 | €15,849 | €29,372 | €29,372 | €33,923 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,441 | €10,413 | €16,079 | €15,849 | €29,372 | €29,372 | €33,923 | ▲ 15.5% |
| Other operating charges640/8 | - | - | €101 | €194 | €167 | €174 | €1,231 | ▲ 609% |
| Gross operating margin9900 | €73,291 | €96,686 | €130,706 | €87,208 | €158,801 | €120,051 | €144,172 | ▲ 20.1% |
| Operating profit (loss)9901 | €62,752 | €86,173 | €114,526 | €71,165 | €129,262 | €90,505 | €109,018 | ▲ 20.5% |
| Financial income75/76B | - | - | - | - | €194 | €185 | €3,703 | ▲ 20× |
| Recurring financial income75 | - | - | - | - | €194 | €185 | €3,703 | ▲ 20× |
| Financial charges65/66B | - | - | €926 | €1,537 | €2,263 | €1,792 | €2,149 | ▲ 19.9% |
| Recurring financial charges65 | €554 | €1,261 | €926 | €1,537 | €2,263 | €1,792 | €2,149 | ▲ 19.9% |
| Profit (loss) for the period before taxes9903 | €62,198 | €84,912 | €113,600 | €69,628 | €127,193 | €88,899 | €110,572 | ▲ 24.4% |
| Income taxes67/77 | €13,765 | €18,406 | €25,347 | €15,035 | €28,160 | €18,930 | €27,628 | ▲ 45.9% |
| Profit (loss) for the period9904 | €48,433 | €66,506 | €88,253 | €54,594 | €99,032 | €69,969 | €82,943 | ▲ 18.5% |
| Profit (loss) for the period to be appropriated9905 | €48,433 | €66,506 | €88,253 | €54,594 | €99,032 | €69,969 | €82,943 | ▲ 18.5% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €97,319 | €182,535 | €258,050 | €369,801 | €305,787 | €351,224 | €239,922 | ▼ 31.7% |
| Fixed assets21/28 | €37,819 | €60,186 | €61,352 | €121,992 | €92,619 | €63,247 | €62,305 | ▼ 1.5% |
| Tangible fixed assets22/27 | €37,819 | €60,186 | €61,352 | €121,992 | €92,619 | €63,247 | €62,305 | ▼ 1.5% |
| Land and buildings22 | - | - | €47,014 | €40,104 | €33,194 | €26,284 | €22,781 | ▼ 13.3% |
| Plant, machinery and equipment23 | - | - | - | - | - | - | €1,920 | - |
| Furniture and vehicles24 | - | - | €14,338 | €81,887 | €59,425 | €36,962 | €37,603 | ▲ 1.7% |
| Current assets29/58 | €59,499 | €122,349 | €196,697 | €247,809 | €213,167 | €287,978 | €177,617 | ▼ 38.3% |
| Amounts receivable within one year40/41 | €52,895 | €42,933 | €59,400 | €49,133 | €79,349 | €88,593 | €90,631 | ▲ 2.3% |
| Trade receivables40 | - | - | €22,264 | €16,365 | €43,560 | €22,477 | €25,229 | ▲ 12.2% |
| Other amounts receivable41 | - | - | €37,136 | €32,768 | €35,789 | €66,116 | €65,403 | ▼ 1.1% |
| Current investments50/53 | - | €6,000 | €30,000 | €154,000 | €98,136 | €155,109 | €58,063 | ▼ 62.6% |
| Cash at bank and in hand54/58 | €1,755 | €68,667 | €102,045 | €38,774 | €29,208 | €36,723 | €16,787 | ▼ 54.3% |
| Deferred charges and accrued income490/1 | - | - | €5,253 | €5,902 | €6,475 | €7,552 | €12,135 | ▲ 60.7% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €97,319 | €182,535 | €258,050 | €369,801 | €305,787 | €351,224 | €239,922 | ▼ 31.7% |
| Equity10/15 | €60,833 | €127,339 | €215,592 | €270,185 | €229,218 | €299,186 | €208,330 | ▼ 30.4% |
| Contributions10/11 | €12,400 | - | €12,400 | €12,400 | €12,400 | €12,400 | €18,600 | ▲ 50.0% |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | - | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €46,573 | €113,079 | €201,332 | €255,925 | €214,958 | €284,926 | €187,870 | ▼ 34.1% |
| Amounts payable17/49 | €36,486 | €55,196 | €42,458 | €99,616 | €76,569 | €52,038 | €31,592 | ▼ 39.3% |
| Amounts payable after more than one year17 | €19,739 | €30,058 | €15,610 | €62,645 | €38,252 | €13,613 | - | - |
| Financial debts170/4 | - | - | €15,610 | €62,645 | €38,252 | €13,613 | - | - |
| Amounts payable within one year42/48 | €16,747 | €23,082 | €25,042 | €35,177 | €37,459 | €37,582 | €31,592 | ▼ 15.9% |
| Current portion of amounts payable after more than one year42 | - | - | €14,448 | €24,536 | €24,393 | €24,639 | €13,613 | ▼ 44.7% |
| Trade debts44 | €136 | €185 | €1,864 | €630 | - | €1,617 | €254 | ▼ 84.3% |
| Suppliers440/4 | - | - | €1,864 | €630 | - | €1,617 | €254 | ▼ 84.3% |
| Taxes, remuneration and social security45 | - | - | €8,730 | €10,010 | €13,066 | €11,327 | €17,725 | ▲ 56.5% |
| Taxes450/3 | - | - | €8,730 | €10,010 | €13,066 | €11,327 | €17,725 | ▲ 56.5% |
| Accrued charges and deferred income492/3 | - | - | €1,806 | €1,793 | €858 | €843 | - | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €48,433 | €66,506 | €88,253 | €54,594 | €99,032 | €69,969 | €82,943 | ▲ 18.5% |
| + Depreciation and write-downs630 | €10,441 | €10,413 | €16,079 | €15,849 | €29,372 | €29,372 | €33,923 | ▲ 15.5% |
| Operating cash flow (approximation) | €58,874 | €76,919 | €104,332 | €70,442 | €128,405 | €99,341 | €116,867 | ▲ 17.6% |
| Investment in fixed assets (approximation) | - | -€32,780 | -€17,245 | -€76,488 | €0 | €0 | -€32,981 | - |
| Change in cash | - | €66,912 | €33,378 | -€63,271 | -€9,566 | €7,515 | -€19,935 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (7)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 24-06-2026 | 2026-00192741 | |
| 31-12-2024 | micro format | 26-06-2025 | 2025-00180947 | |
| 31-12-2023 | micro format | 02-08-2024 | 2024-00322766 | |
| 31-12-2022 | micro format | 27-06-2023 | 2023-00160086 | |
| 31-12-2021 | micro format | 08-06-2022 | 2022-20057236 | |
| 31-12-2020 | abbreviated format | 22-06-2021 | 2021-22700544 | |
| 31-12-2019 | abbreviated format | 16-07-2020 | 2020-30600339 |
Board & ownership
Directors
Directors
1 director
STEVENS ERWIN
Current
Director · listed in the 2025 annual accounts, filed on 24-06-2026
Owners and capital
Owners
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Vergoeding bestuurders, algemene vergadering beslist of mandaat al dan niet ten kosteloze titel”
Articles of association, deed of 18-01-2024 (in Dutch)
Network & group
Jerans shares no director with another company.
Companies at the same address
1 other companyConnections & network
1 current directorThe network starts from the directors of Jerans. Every other company they run is a node.
This company
Company
Director
Shareholding
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Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
24-06
micro format · 37 days before the deadline
2025
26-06
micro format · 35 days before the deadline
2024
02-08
micro format · 2 days late
18-01
Gazette deed
Permanent representative: Erwin STEVENSAmendment of the articles · Capital conversion · Reserve release7 points ▸
Gazette deed
Permanent representative: Erwin STEVENS
Amendment of the articles · Capital conversion · Reserve release7 points ▸
- General meeting, “buitengewone algemene vergadering van de aandeelhouders” (deed in Dutch)
- Amendment of the articles, mentioned 2 times in the deed
- Capital conversion, “van rechtswege, artikel 39,§2,tweede lid wet van 2019-03-23” (deed in Dutch)
- Reserve release, “volledige opheffing statutair onbeschikbare eigen vermogensrekening, middelen beschikbaar voor uitkering” (deed in Dutch)
- Registered office clause, “2400 Mol,Bosbessenstraat 8” (deed in Dutch)
- Board composition, Erwin STEVENS (director (not named in the articles))
- Permanent representative, Erwin STEVENS
2023
31-12
Financial
Highest result from 2019 to 2025net €99,032 ▲81.4%
The operating result of €129,262 and the net result of €99,032 are both a record.
27-06
micro format · 34 days before the deadline
2022
08-06
micro format · 53 days before the deadline
2021
31-12
Financial
Equity above €200,000equity €215,592 ▲69.3%
With a profit in every financial year since 2019, equity grows to €215,592.
22-06
abbreviated format · 39 days before the deadline
2020
31-12
Financial
Equity above €100,000equity €127,339 ▲109%
With a profit in every financial year since 2019, equity grows to €127,339.
16-07
abbreviated format · 15 days before the deadline
2018
24-10
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
Jerans in Dutch
Enterprise number
0711.922.095
Legal form
Private limited company
Status
Active, normale toestand
Founded
22-10-2018
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 18-01-2024 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 18-01-2024 (in Dutch)Registered office and establishments
Registered office
Bosbessenstraat 8, 2400 Mol, Belgium
Establishment unit
Jerans, Bosbessenstraat 8, 2400 Mol since 22-10-2018 · unit number 2.281.416.04663920 Other information service activities
Activities
NACEBEL 202565200
Insurance, reinsurance and pension funding, except compulsory social security main activity
70200
Business and other management consultancy
Codes under NACEBEL 2008
65200
Insurance, reinsurance and pension funding, except compulsory social security main activity
70220
Business consulting
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 18-01-2024 (in Dutch)
“Het identificeren en onderzoeken van markt opportuniteiten; Strategisch, uitvoerend en operationeel advies aan bedrijven; Advies in…”
23 activities
- Het identificeren en onderzoeken van markt opportuniteiten;
- Strategisch, uitvoerend en operationeel advies aan bedrijven;
- Advies in operationeel management voor KMO's;
- Interim management bij KMO's;
- Project management;
- Bedrijfsconsultancy meer bepaald op gebied van opzet en onderhoud van managementsystemen
- Design projecten in breedste zin, oa. in interieur design, tuinarchitectuur, grafisch ontwerp.
- Het leiden van bedrijven, bedrijfseenheden of commerciële teams, het uitwerken en implementeren van strategie, het bereiken van P &L en/of commerciële doelstellingen.
- De handel in/en het optreden als tussenpersoon in de aan en verkoop zowel in het buitenland als in het binnenland van immateriële vaste activa, zoals know-how, concessies, octrooien, licenties, merken en gelijkaardige rechten, en materialen van alle aard, zoals gebouwen, installaties, machines, uitrusting, meubilair, rollend materiaal, grondstoffen, verbruiksgoederen, hulpstoffen, goederen in bewerking, fabricaten, handelsgoederen.
- Het nemen van belangen en participeren in bestaande vennootschappen;
- Het toestaan van leningen aan derden en het waarborgen van leningen voor derden;
- Diverse bedrijfsadviezen;
- Het uitoefenen van een bestuursmandaat in een andere onderneming;
- Het vervullen van interim management opdrachten;
- Bestuurder en manager van vennootschappen;
- Projectleider, operationeel manager, financieel en business controller KMO;
- Begeleiding bedrijven van administratie tot boekhouding, budgetten opmaken, voorcalculatie, nacalculatie, met als doel rendementverhoging
- Opvolging van budgetten, kosten beheren, voorbereiding boekhoudkundige opvolging en afsluiting, forecasting voor projecten en dit in de ruimste zin van het woord;
- De uitbating van een kapsalon voor dames en heren;
- Schoonheidssalon in de breedste zin van het woord;
- Verlenen van advies op gebied van schoonheidszorgen en gezichtsverzorging, het aanbrengen van makeup;
- Huidverzorging en epileren;
- Manicure en pedicure;
Invoicing and payment
VAT number
BE 0711.922.095
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Saturday of June at 10:00
deed of 18-01-2024 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
860 m²
Building footprint
130 m²
Building volume
715 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 13434F1851/00P000 | Flanders | 860 m² | 1 · 130 m² | 8.1 m · 2 |