JL Création & Design
ActiveThe computed 12-month bankruptcy probability of JL Création & Design is 1.6% (moderate). The 2025 annual accounts show equity of €202k and a net result of €18k. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 45% of 1888 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy▲ +11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▲+17
Solvency62▲+14
Growth78=
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.99 against 0.92 in 2024), and 59.5% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
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
40.5%
Return on assets
3.5%
Age of the figures
8 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 04-09-2026, 35 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 · 7 filingsDeviation from the deadline
2025
35 d late
2024
203 d late
2023
58 d late
2022
31 d late
2021
31 d late
2020
83 d late
2019
87 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€202k▲ 9.6%
2024 · €184k
2019: €25k
2020: €45k
2021: €95k
2022: €149k
2023: €174k
2024: €184k
2019 → 2025
Total assets
€499k▼ 13.9%
2024 · €579k
2019: €133k
2020: €300k
2021: €349k
2022: €380k
2023: €535k
2024: €579k
2019 → 2025
Net result
€18k▲ 76.7%
2024 · €10k
2019: €7k
2020: €20k
2021: €50k
2022: €54k
2023: €25k
2024: €10k
2019 → 2025
Working capital
€-3k▲ 87.2%
2024 · €-25k
2019: €23k
2020: €47k
2021: €67k
2022: €70k
2023: €24k
2024: €-25k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€95k-€149k▲ 56.1%€174k▲ 17.0%€184k▲ 6.0%€202k▲ 9.6%
Operating result€66k-€73k▲ 10.2%€37k▼ 49.4%€19k▼ 49.3%€33k▲ 75.8%
Net result€50k-€54k▲ 7.5%€25k▼ 53.4%€10k▼ 60.4%€18k▲ 76.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 76% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €499k
Fixed assets
€266k▼ 8.9%
Current assets
€232k▼ 19.0%
Equity and liabilities €499k
Equity
€202k▲ 9.6%
Debt
€297k▼ 24.9%
The debt ratio falls from 68.2% to 59.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€83k▲
2024 · €63k
Cash flow
€68k▲
2024 · €54k
Solvency
40.5%▲
2024 · 31.8%
Current ratio
0.99▲
2024 · 0.92
Quick ratio
0.76▲
2024 · 0.74
Debt / equity
1.47▼
2024 · 2.14
ROE
8.8%▲
2024 · 5.4%
ROA
3.5%▲
2024 · 1.7%
Interest coverage
10.51▲
2024 · 8.22
Debt
€297k▼
2024 · €395k
Debt ≤ 1 year
€236k▼
2024 · €312k
Debt > 1 year
€60k▼
2024 · €82k
Income taxes
€7k▲
2024 · €1k
Staff costs
€112k▲
2024 · €108k
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€579k€499k▼
Fixed assets21/28€292k€266k▼
Intangible fixed assets21€560-
Tangible fixed assets22/27€292k€266k▼
Plant, machinery and equipment23€103k€92k▼
Furniture and vehicles24€28k€20k▼
Other tangible fixed assets26€161k€155k▼
Current assets29/58€287k€232k▼
Stocks and contracts in progress3€55k€53k▼
Stocks30/36€55k€53k▼
Amounts receivable within one year40/41€229k€178k▼
Trade receivables40€202k€158k▼
Other amounts receivable41€27k€20k▼
Cash at bank and in hand54/58€120€159▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€579k€499k▼
Equity10/15€184k€202k▲
Contributions10/11€19k€19k=
Reserves13€166k€183k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€164k€182k▲
Amounts payable17/49€395k€297k▼
Amounts payable after more than one year17€82k€60k▼
Financial debts170/4€82k€60k▼
Amounts payable within one year42/48€312k€236k▼
Current portion of amounts payable after more than one year42€22k€25k▲
Financial debts43€50k€15k▼
Credit institutions430/8€50k€15k▼
Trade debts44€217k€167k▼
Suppliers440/4€217k€167k▼
Advances received on contracts in progress46€1k€7k▲
Taxes, remuneration and social security45€22k€22k=
Taxes450/3€9k€9k▲
Remuneration and social security454/9€13k€13k▼
Accrued charges and deferred income492/3€754€471▼
Income statement
Code20242025
Remuneration, social security and pensions62€108k€112k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€50k▲
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A€10k-
Gross operating margin9900€184k€198k▲
Operating profit (loss)9901€19k€33k▲
Financial income75/76B€0€16▲
Recurring financial income75€0€16▲
Financial charges65/66B€8k€8k▲
Recurring financial charges65€8k€8k▲
Profit (loss) for the period before taxes9903€11k€25k▲
Income taxes67/77€1k€7k▲
Profit (loss) for the period9904€10k€18k▲
Profit (loss) for the period to be appropriated9905€10k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€18k▲
Transfer to equity691/2€10k€18k▲
To other reserves6921€10k€18k▲
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
04-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 35 days late
19-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 203 days late
2025
31-12
Financial
Equity above €200kEq €202k ▲9.6%
7 profitable years in a row build equity to €202k.
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Equity above €150kEq €174k ▲17%
5 profitable years in a row build equity to €174k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2019net €54k ▲7.5%
Operating result €73k, net result €54k, both a record.
31-12
Financial
Equity above €100kEq €149k ▲56.1%
4 profitable years in a row build equity to €149k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
22-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 83 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
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, Malmedy · 1 establishment unit since 2019
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.
Reculémont 14960 MalmedyGround area
1,505 m²
Building footprint
202 m²
Volume, LiDAR
1,013 m³
Parcel 63472C0192/00H000, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JL Création & Design
since 20192.282.660.220
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63472C0192/00H000 | Wallonia | 1,505 m² | 1 · 202 m² | 7.5 m · 2 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.
Similar companies · same sector, comparable size
MCK Technics
BE 0632.798.702
Tessenderlo-Ham · Eq €202k
ALUPRO
BE 0667.920.323
Ieper · Eq €203k
NORAM
BE 0862.347.222
Wommelgem · Eq €204k
GARNIMETAL
BE 0668.555.276
Wavre · Eq €200k
MetalSight
BE 0781.428.040
Grimbergen · Eq €204k
Of 3,964 companies in sector 25110 we hold annual accounts for 2,133. 1,651 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded12-12-2018
Fiscal year end31-12
Activities, NACEBEL
25110Manufacture of metal structures and parts of structures
25530Machining of metals
25401Forging of metal
31001Manufacture of furniture
31002Manufacture of furniture
31009Manufacture of furniture
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.