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Jernie

Active
Private limited company (pre-2019)founded 199827 yrs activeDe Vlaamse Staak 5, 1745 Opwijk, BelgiumKBO/BCE: BE 0464.607.927
Summary

Jernie has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.0m and a net result of €251,098. Equity is growing by ~18.4% per year across the filed fiscal years. Its solvency ranks better than 65% of 2943 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
JernieActiveChecked score 84/100
Risk analysis ReportCompare

Overview

Activity
Certified accountants and tax accountants
NACE 69201Legal and accounting activities NACE 69202NACE 74121
#5 company by equity in Opwijk, Professional and technical services sector1 site
Size
€3.2mtotal assets 2024
Staff
7.6 FTE
Equity
€2.0m
Profit
€251,098
Turnover not published (abridged schema)
Financial health
84 Excellent Checked score 2024
Bankruptcy chance 12 m
0.4%
Structure
Accounts 64 d overdue0 of 9 deeds read
Why 84- Figures for FY 2024 (filed 12-08-2025)+ Sector Legal and accounting activities (NACE 69)+ Founded in 1998+ Equity €2.0m (61.6% of total assets)Show the evidence

Checked score

Score 2024
84 / 100
Excellent
Probability in this band: under 0.55%
Better than 47% of its sector peers (NACE 69, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Strong
Solvency 87+7
equity 61.6% of total assets
Liquidity 54-10
short-term debt 10.9% · cash 3.7%
Profitability 78-6
return on assets 7.7%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (19,768 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%▼ -1.4% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.2%▲ +33.3% vs 02-2025 04-2025: 0.2%▲ +4.8% vs 03-2025 05-2025: 0.1%▼ -55.8% vs 04-2025 06-2025: 0.1%▲ +9.2% vs 05-2025 07-2025: 0.1%▲ +12.6% vs 06-2025 08-2025: 0.2%▲ +49.5% vs 07-2025 09-2025: 0.1%▼ -49.4% vs 08-2025 10-2025: 0.1%▼ -1.2% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -1.3% vs 12-2025lowest value 02-2026: 0.1%● 0.0% vs 01-2026lowest value 03-2026: 0.1%▲ +29.1% vs 02-2026 04-2026: 0.1%▲ +1.0% vs 03-2026 05-2026: 0.1%▲ +3.9% vs 04-2026 06-2026: 0.1%▲ +4.7% vs 05-2026 07-2026: 0.1%▲ +14.3% vs 06-2026 08-2026: 0.2%▲ +85.2% vs 07-2026 09-2026: 0.3%▲ +13.5% vs 08-2026 10-2026: 0.4%▲ +33.5% vs 09-2026highest value
  • Figures for FY 2024 (filed 12-08-2025) raises the probability
  • Sector Legal and accounting activities (NACE 69) lowers the probability
  • Founded in 1998 lowers the probability for this profile
  • Equity €2.0m (61.6% of total assets) lowers the probability
Credit up to €160,000 at 30 days acceptable
Liquidity ample (current ratio 4.02 against 2.21 in 2023; short-term debt: 10.9% and cash: 3.7% of total assets), and 38.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 69, micro). Better than this share of them on solvency 58%, liquidity 38%, profitability 32%, growth against the median 59%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Figures for FY 2024 (filed 12-08-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Sector Legal and accounting activities (NACE 69)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Founded in 1998
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Equity €2.0m (61.6% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-08-2025, 12 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
not confirmed
2024
12 d late
2023
64 d late
2022
70 d late
2021
30 d late
2020
90 d late
2019
122 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 65 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (1)
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
  1. Annual accounts filedfiscal year 2024 · abbreviated…
  2. Annual accounts filedfiscal year 2023 · abbreviated…
  3. Highest result since 2018net €391,779 ▲47.1%

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 64 d late View
  • Positive: Among the best 12% on equitysector median €362,333 · 2,943 companies €2.0m View
  • Caution: Result fell in 2024from €391,779 to €251,098 ▼ 35.9% View
  • Positive: 7 profitable years in a rowprofit 2024: €251,098 7 years View

By topic

Financials

Fiscal year
2024
Total assets
€3.2m
Profit
€251,098
Solvency
61.6%
Total assets▲ 1.4%
Net result
20182024
Go to Financials

Timeline

Events
13
Since
2016
  1. 12-08-2025Annual accounts filed
  2. 03-10-2024Annual accounts filed
  3. 31-12-2023Highest result since 2018
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Certified accountants and tax accountantsNACE 69201
Founded
18-11-1998
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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