JNF
ActiveSummary
The computed 12-month bankruptcy probability of JNF is 1.7% (moderate). The 2025 annual accounts show equity of €10k and a net result of €11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 58% of 18280 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency69▲+60
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.74 against 0.66 in 2024; short-term debt: 56.3% and cash: 7% of total assets), but 56.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
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
43.7%
Return on assets
49.7%
Age of the figures
9 mo
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 23-07-2026, 8 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
8 d early
2024
6 d early
2023
12 d early
2022
13 d early
2021
13 d early
2020
12 d early
2019
11 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k
2024 · €-1k
2019: €9k
2020: €-7k
2021: €-27k
2022: €-28k
2023: €-18k
2024: €-1k
2019 → 2025
Total assets
€23k▲ 171%
2024 · €8k
2019: €66k
2020: €57k
2021: €13k
2022: €15k
2023: €15k
2024: €8k
2019 → 2025
Net result
€11k▼ 30.4%
2024 · €16k
2019: €-1k
2020: €-16k
2021: €-20k
2022: €-861
2023: €10k
2024: €16k
2019 → 2025
Working capital
€9k
2024 · €-3k
2019: €29k
2020: €7k
2021: €-16k
2022: €-28k
2023: €-22k
2024: €-3k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-27k-€-28k▼ 3.2%€-18k▲ 37.0%€-1k▲ 92.3%€10k
Operating result€-21k-€303€11k▲ 3,601%€17k▲ 53.3%€12k▼ 31.7%
Net result€-20k-€-861▲ 95.7%€10k€16k▲ 56.9%€11k▼ 30.4%
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 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23k
Fixed assets
€516 ▼ 73.4%
Current assets
€22k ▲ 245%
Equity and liabilities €23k
Equity
€10k
Debt
€13k
Debt finances 56.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€13k▼
2024 · €19k
Cash flow
€13k▼
2024 · €18k
Current ratio
1.74▲
2024 · 0.66
Quick ratio
1.49▲
2024 · 0.19
Debt to equity
1.29▲
2024 · -7.20
ROE
113.6%
ROA
49.7%▼
2024 · 193.7%
Interest coverage
10.94▼
2024 · 21.80
Debt ≤ 1 year
€13k▲
2024 · €10k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8k€23k▲
Fixed assets21/28€2k€516▼
Tangible fixed assets22/27€2k€516▼
Furniture and vehicles24€2k€516▼
Current assets29/58€6k€22k▲
Stocks and contracts in progress3€5k€3k▼
Stocks30/36€5k€3k▼
Amounts receivable within one year40/41€1k€17k▲
Trade receivables40€855€79▼
Other amounts receivable41€443€17k▲
Cash at bank and in hand54/58€557€2k▲
Deferred charges and accrued income490/1-€275
Equity and liabilities
Total equity and liabilities10/49€8k€23k▲
Equity10/15€-1k€10k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€-11k€-30▲
Amounts payable17/49€10k€13k▲
Amounts payable within one year42/48€10k€13k▲
Financial debts43€5k€7k▲
Credit institutions430/8€5k€7k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3€1k€1k▲
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€1k▼
Other operating charges640/8€541€636▲
Gross operating margin9900€22k€15k▼
Operating profit (loss)9901€17k€12k▼
Financial income75/76B€4€806▲
Recurring financial income75€4€806▲
Financial charges65/66B€887€1k▲
Recurring financial charges65€887€1k▲
Profit (loss) for the period before taxes9903€16k€11k▼
Profit (loss) for the period9904€16k€11k▼
Profit (loss) for the period to be appropriated9905€16k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-30▲
Profit (loss) brought forward from the previous period14P€-28k€-11k▲
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 1.74
Current ratio from 0.66 to 1.74.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €16k ▲56.9%
Operating result €17k, net result €16k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after 4 loss-making years.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Villers-la-Ville · 1 establishment unit since 2019
Ground area
710 m²
Building footprint
122 m²
Parcel 25102B0134/00V000, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JNF
since 20192.285.334.054
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25102B0134/00V000 | Wallonia | 710 m² | 1 · 122 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 1,468 companies in sector 47632 we hold annual accounts for 733. 236 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
Founded07-02-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47632Retail sale of bicycles
47639Retail sale of other sporting goods
86995Nutrition and dietetics services
93110Operation of sports facilities
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
4 entriesE-mail:hello.jnf@outlook.com
E-mail:jerome.neut@gmail.com
Phone:+32473214395
Phone:+32478456893