JINTERIM
ActiveThe computed 12-month bankruptcy probability of JINTERIM is 1.9% (moderate). The 2025 annual accounts show equity of €54k and a net result of €18k. Equity is growing by ~45.1% per year across the filed fiscal years. Its solvency ranks better than 43% of 7331 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+8
Solvency62▼-7
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.32 in 2024; short-term debt: 62.9% and cash: 0.3% of total assets), and 63.1% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
36.9%
Return on assets
12%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 5 filingsDeviation from the deadline
2025
20 d late
2024
61 d late
2023
28 d early
2022
32 d late
2021
38 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▲ 48.5%
2024 · €36k
2021: €12k
2022: €17k
2023: €32k
2024: €36k
2021 → 2025
Total assets
€146k▲ 77.2%
2024 · €82k
2021: €34k
2022: €138k
2023: €140k
2024: €82k
2021 → 2025
Net result
€18k▲ 280%
2024 · €5k
2021: €9k
2022: €5k
2023: €14k
2024: €5k
2021 → 2025
Working capital
€40k▲ 168%
2024 · €15k
2021: €8k
2022: €-8k
2023: €12k
2024: €15k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€17k▲ 43.2%€32k▲ 83.1%€36k▲ 14.6%€54k▲ 48.5%
Operating result€13k-€8k▼ 41.7%€21k▲ 179%€16k▼ 22.8%€15k▼ 8.8%
Net result€9k-€5k▼ 42.5%€14k▲ 176%€5k▼ 67.8%€18k▲ 280%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €146k
Fixed assets
€14k▼ 31.7%
Current assets
€131k▲ 116%
Equity and liabilities €146k
Equity
€54k▲ 48.5%
Debt
€92k▲ 99.8%
The debt ratio rises from 56.0% to 63.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▼
2024 · €23k
Cash flow
€24k▲
2024 · €11k
Solvency
36.9%▼
2024 · 44.0%
Current ratio
1.43▲
2024 · 1.32
Quick ratio
1.43▲
2024 · 1.32
Debt / equity
1.71▲
2024 · 1.27
ROE
32.7%▲
2024 · 12.8%
ROA
12.0%▲
2024 · 5.6%
Interest coverage
540.42▲
2024 · 401.98
Debt
€92k▲
2024 · €46k
Debt ≤ 1 year
€92k▲
2024 · €46k
Income taxes
€-3k▼
2024 · €12k
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€82k€146k▲
Formation expenses20€373€142▼
Fixed assets21/28€21k€14k▼
Tangible fixed assets22/27€21k€14k▼
Land and buildings22€10k€9k▼
Furniture and vehicles24€11k€6k▼
Current assets29/58€61k€131k▲
Amounts receivable within one year40/41€43k€130k▲
Trade receivables40€2k€89k▲
Other amounts receivable41€42k€41k▼
Cash at bank and in hand54/58€17k€470▼
Deferred charges and accrued income490/1€32€525▲
Equity and liabilities
Total equity and liabilities10/49€82k€146k▲
Equity10/15€36k€54k▲
Contributions10/11€3k€3k=
Reserves13€33k€51k▲
Distributable reserves133€33k€51k▲
Amounts payable17/49€46k€92k▲
Amounts payable within one year42/48€46k€92k▲
Trade debts44€31k€79k▲
Suppliers440/4€31k€79k▲
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€12k€9k▼
Other amounts payable47/48€3k€3k=
Accrued charges and deferred income492/3-€346
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€850€869▲
Gross operating margin9900€24k€23k▼
Operating profit (loss)9901€16k€15k▼
Financial charges65/66B€57€40▼
Recurring financial charges65€57€40▼
Profit (loss) for the period before taxes9903€16k€15k▼
Income taxes67/77€12k€-3k▼
Profit (loss) for the period9904€5k€18k▲
Profit (loss) for the period to be appropriated9905€5k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€18k▲
Transfer to equity691/2€5k€18k▲
To other reserves6921€5k€18k▲
The notes to these accounts (4 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Highest result since 2021net €18k ▲280%
Net result €18k, the highest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €5k ▼67.8%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Kortrijk · 1 establishment unit since 2021
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.
Rijselsestraat(Kor) 208500 KortrijkGround area
260 m²
Building footprint
91 m²
Volume, LiDAR
945 m³
Parcel 34022G0113/00E000, Flanders · tallest building 14.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JINTERIM
since 20212.320.598.108
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34022G0113/00E000 | Flanders | 260 m² | 1 · 91 m² | 14.4 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 13,118 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-08-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.