JF INVEST
ActiveJF INVEST has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €12k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 22% of 14038 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▲+39
Solvency26▲+19
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
1.5%
Return on assets
3.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 14038 sector peers (2025).
NBB · sector comparisonPosition among 14038 sector peers
Solvency
better than 22%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
32 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k
2024 · €-7k
2023: €2k
2024: €-7k
2023 → 2025
Total assets
€308k▲ 646%
2024 · €41k
2023: €259k
2024: €41k
2023 → 2025
Net result
€12k
2024 · €-10k
2023: €2k
2024: €-10k
2023 → 2025
Working capital
€-17k▼ 90.0%
2024 · €-9k
2023: €202k
2024: €-9k
2023 → 2025
Multi-year overview
Available amounts per fiscal year
Line202320242025Trend
Equity€2k-€-7k€4k
Operating result€15k-€-10k€38k
Net result€2k-€-10k€12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €38k after a loss of €10k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €308k
Fixed assets
€53k▲ 2,730%
Current assets
€255k▲ 548%
Equity and liabilities €308k
Equity
€4k
Debt
€304k
Debt finances 98.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€40k▲
2024 · €-9k
Cash flow
€13k▲
2024 · €-9k
Solvency
1.5%▲
2024 · -17.8%
Current ratio
0.94▲
2024 · 0.81
Quick ratio
0.94▲
2024 · 0.81
Debt / equity
67.88▲
2024 · -6.62
ROE
264.1%
ROA
3.8%▲
2024 · -23.8%
Interest coverage
1.81▲
2024 · -166.17
Debt
€304k▲
2024 · €49k
Debt ≤ 1 year
€273k▲
2024 · €49k
Debt > 1 year
€31k▲
2024 · €0
Income taxes
€4k▲
2024 · €0
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€41k€308k▲
Fixed assets21/28€2k€53k▲
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27-€51k
Furniture and vehicles24-€51k
Current assets29/58€39k€255k▲
Amounts receivable within one year40/41€32k€43k▲
Trade receivables40€32k€35k▲
Other amounts receivable41€0€8k▲
Cash at bank and in hand54/58€8k€210k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€41k€308k▲
Equity10/15€-7k€4k▲
Contributions10/11€100€100=
Profit (loss) carried forward14€-7k€4k▲
Amounts payable17/49€49k€304k▲
Amounts payable after more than one year17€0€31k▲
Financial debts170/4€0€31k▲
Amounts payable within one year42/48€49k€273k▲
Current portion of amounts payable after more than one year42-€10k
Trade debts44€564€33k▲
Suppliers440/4€564€33k▲
Taxes, remuneration and social security45€40€4k▲
Taxes450/3€40€4k▲
Other amounts payable47/48€48k€226k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€609€2k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-7k€42k▲
Operating profit (loss)9901€-10k€38k▲
Financial income75/76B€166€0▼
Recurring financial income75€166€0▼
Financial charges65/66B€56€22k▲
Recurring financial charges65€56€22k▲
Profit (loss) for the period before taxes9903€-10k€16k▲
Income taxes67/77€0€4k▲
Profit (loss) for the period9904€-10k€12k▲
Profit (loss) for the period to be appropriated9905€-10k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€4k▲
Profit (loss) brought forward from the previous period14P€2k€-7k▼
Transfer to equity691/2€0-
To contributions691€0-
The notes to these accounts (10 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-10k ▼515%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Temse · 1 establishment unit since 2022
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.
Kerkstraat 1149140 TemseGround area
3,735 m²
Building footprint
383 m²
Volume, LiDAR
1,024 m³
2 parcels, Flanders · tallest building 20.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JF INVEST
since 20222.338.392.361
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46026B0388/00E000 | Flanders | 2,388 m² | 1 · 177 m² | - |
| 46026B0559/00N000 | Flanders | 1,347 m² | 1 · 206 m² | 20.0 m · 1 fl. |
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
RABO
BE 0795.197.387
Hoogstraten · Eq €4k
GM INVESTMENTS
BE 0721.927.349
Hasselt · Eq €4k
HOUSE PROMO
BE 0895.001.677
Waterloo · Eq €4k
FLEUR DE VANILLE
BE 0475.842.210
Braine-l'Alleud · Eq €4k
VITRI CONSTRUCT
BE 0793.704.874
Antwerpen · Eq €5k
Of 9,695 companies in sector 68121 we hold annual accounts for 7,381. 2,083 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2022
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.