JL – BE IMMO
ActiveThe computed 12-month bankruptcy probability of JL – BE IMMO is 3.9% (moderate). The 2025 annual accounts show negative equity (€-56k) and a net result of €-11k. Equity is shrinking by ~31% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
36
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34=
Solvency17▼-2
Growth58=
Track record94
Bankruptcy probability, 12 months
3.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
short-term debt: 51.2% of total assets, and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-8%
Return on assets
-1.6%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-56k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
61 d late
2023
29 d late
2022
39 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
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-11k▼ 7.9%
2024 · €-10k
2022: €-18k
2023: €-21k
2024: €-10k
2022 → 2025
Working capital
€-266k▼ 26.1%
2022 · €-211k
2022: €-211k
2022 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-14k-€-35k▼ 150%€-45k▼ 28.7%€-56k▼ 24.1%
Operating result€-9k-€-11k▼ 30.3%€-1k▲ 87.5%€-2k▼ 35.2%
Net result€-18k-€-21k▼ 16.8%€-10k▲ 52.1%€-11k▼ 7.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €1k in 2024; the loss grows.
Key figures and ratios
Solvency
-8.0%▼
2024 · -6.4%
Debt / equity
-13.51▲
2024 · -16.52
ROA
-1.6%▼
2024 · -1.4%
Debt
€752k▲
2024 · €741k
Debt ≤ 1 year
€356k▲
2024 · €310k
Debt > 1 year
€395k▼
2024 · €430k
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€696k€696k=
Fixed assets21/28€696k€696k=
Financial fixed assets28€696k€696k=
Equity and liabilities
Total equity and liabilities10/49€696k€696k=
Equity10/15€-45k€-56k▼
Contributions10/11€4k€4k=
Profit (loss) carried forward14€-49k€-60k▼
Amounts payable17/49€741k€752k▲
Amounts payable after more than one year17€430k€395k▼
Financial debts170/4€430k€395k▼
Amounts payable within one year42/48€310k€356k▲
Current portion of amounts payable after more than one year42€38k€38k▲
Financial debts43-€184
Credit institutions430/8-€184
Trade debts44-€739
Suppliers440/4-€739
Other amounts payable47/48€273k€317k▲
Accrued charges and deferred income492/3€201€713▲
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€-1k€-1k▼
Operating profit (loss)9901€-1k€-2k▼
Financial charges65/66B€9k€9k▲
Recurring financial charges65€9k€9k▲
Profit (loss) for the period before taxes9903€-10k€-11k▼
Profit (loss) for the period9904€-10k€-11k▼
Profit (loss) for the period to be appropriated9905€-10k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-49k€-60k▼
Profit (loss) brought forward from the previous period14P€-39k€-49k▼
The notes to these accounts (3 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Theux · 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.
Rue Xhavée 544910 TheuxGround area
3,400 m²
Building footprint
297 m²
Volume, LiDAR
1,797 m³
2 parcels, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JL – BE IMMO
since 20212.329.050.964
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63060C0034/00P000 | Wallonia | 1,826 m² | 1 · 187 m² | 8.7 m · 2 fl. |
| 63077B0516/00P000 | Wallonia | 1,574 m² | 1 · 110 m² | 9.3 m · 2 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.