JL Aannemingen
ActiveSummary
The computed 12-month bankruptcy probability of JL Aannemingen is 2.3% (moderate). The 2025 annual accounts show equity of €44k and a net result of €19k. Equity is growing by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 39% of 27786 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
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-11
Solvency63▼-37
Growth52=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 9.59 in 2024; short-term debt: 57.3% and cash: 45.1% of total assets), and 62.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
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
37.7%
Return on assets
15.9%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 4 filingsDeviation from the deadline
2025
2 d late
2024
1 d early
2023
2 d early
2022
13 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€44k▼ 48.2%
2024 · €86k
2022: €38k
2023: €60k
2024: €86k
2022 → 2025
Total assets
€118k▲ 16.6%
2024 · €101k
2022: €62k
2023: €81k
2024: €101k
2022 → 2025
Net result
€19k▼ 25.3%
2024 · €25k
2022: €37k
2023: €22k
2024: €25k
2022 → 2025
Working capital
€14k▼ 69.9%
2024 · €46k
2022: €15k
2023: €31k
2024: €46k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€38k-€60k▲ 57.4%€86k▲ 41.5%€44k▼ 48.2%
Operating result€44k-€30k▼ 32.8%€36k▲ 20.3%€27k▼ 23.7%
Net result€37k-€22k▼ 40.3%€25k▲ 13.8%€19k▼ 25.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €118k
Fixed assets
€36k ▼ 26.7%
Current assets
€81k ▲ 58.6%
Equity and liabilities €118k
Equity
€44k ▼ 48.2%
Debt
€73k ▲ 378%
Debt's share of the balance-sheet total rises from 15.2% to 62.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€41k▼
2024 · €46k
Cash flow
€33k▼
2024 · €35k
Current ratio
1.21▼
2024 · 9.59
Debt to equity
1.65▲
2024 · 0.18
ROE
42.3%▲
2024 · 29.3%
ROA
15.9%▼
2024 · 24.9%
Interest coverage
12.67▲
2024 · 12.02
Debt ≤ 1 year
€67k▲
2024 · €5k
Debt > 1 year
€6k▼
2024 · €10k
Income taxes
€5k▼
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€101k€118k▲
Fixed assets21/28€50k€36k▼
Tangible fixed assets22/27€50k€36k▼
Land and buildings22€8k€7k▼
Plant, machinery and equipment23€891€527▼
Furniture and vehicles24€27k€20k▼
Leasing and similar rights25€14k€8k▼
Current assets29/58€51k€81k▲
Amounts receivable within one year40/41€19k€26k▲
Trade receivables40€12k€10k▼
Other amounts receivable41€7k€16k▲
Cash at bank and in hand54/58€30k€53k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€101k€118k▲
Equity10/15€86k€44k▼
Contributions10/11€2k€2k=
Outside capital11€2k€2k=
Other1109/19€2k€2k=
Profit (loss) carried forward14€84k€43k▼
Amounts payable17/49€15k€73k▲
Amounts payable after more than one year17€10k€6k▼
Financial debts170/4€10k€6k▼
Amounts payable within one year42/48€5k€67k▲
Current portion of amounts payable after more than one year42€3k€4k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€597€10k▲
Taxes450/3€597€10k▲
Other amounts payable47/48-€51k
Income statement
Code20242025
Non-recurring operating income76A€1k-
Goods, raw materials, services and sundry goods60/61€88k€93k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€14k▲
Other operating charges640/8€991€989▼
Gross operating margin9900€47k€42k▼
Operating profit (loss)9901€36k€27k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€32k€24k▼
Income taxes67/77€7k€5k▼
Profit (loss) for the period9904€25k€19k▼
Profit (loss) for the period to be appropriated9905€25k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€84k€103k▲
Profit (loss) brought forward from the previous period14P€59k€84k▲
Profit to be distributed694/7-€60k
Return on contributions (dividend)694-€60k
The notes to these accounts (5 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
30-06
Financial
Weakest financial yearnet €19k ▼25.3%
Net result drops to €19k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Hoogstraten · 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.
Rooimans 382323 HoogstratenGround area
4,081 m²
Building footprint
363 m²
Parcel 13051D0552/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
JL Aannemingen
since 20212.320.080.444
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13051D0552/00L000 | Flanders | 4,081 m² | 1 · 363 m² | - |
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.
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Of 8,455 companies in sector 43120 we hold annual accounts for 3,233. 2,440 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-2021
Fiscal year end30-06
Activities, NACEBEL 2025
43120Site preparation
01610Support activities for crop production
01630Crop and animal production, hunting and related service activities
42110Construction of roads and motorways
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.