JNL
ActiveSummary
The computed 12-month bankruptcy probability of JNL is 2.8% (moderate). The 2025 annual accounts show equity of €70k and a net result of €-43k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 33% of 3705 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability9▼-33
Solvency38▼-60
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.04 against 3.75 in 2024; short-term debt: 86.9% and cash: 51.9% of total assets), and 86.9% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
13.1%
Return on assets
-8.1%
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 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
32 d early
2023
34 d early
2022
31 d late
2021
33 d early
2020
24 d early
2019
56 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€70k▼ 38.3%
2024 · €113k
2018: €85k
2019: €60k▼ -29.6% vs 2018
2020: €31k▼ -48.8% vs 2019lowest in 8 years
2021: €119k▲ +287% vs 2020highest in 8 years
2022: €117k▼ -1.7% vs 2021
2023: €114k▼ -2.6% vs 2022
2024: €113k▼ -0.7% vs 2023
2025: €70k▼ -38.3% vs 2024
2018 → 2025
Total assets
€534k▲ 246%
2024 · €154k
2018: €329k
2019: €76k▼ -76.9% vs 2018lowest in 8 years
2020: €126k▲ +65.7% vs 2019
2021: €286k▲ +127% vs 2020
2022: €445k▲ +55.6% vs 2021
2023: €180k▼ -59.5% vs 2022
2024: €154k▼ -14.4% vs 2023
2025: €534k▲ +246% vs 2024highest in 8 years
2018 → 2025
Net result
€-43k
2024 · €3k
2018: €3k
2019: €-25k▼ -1080% vs 2018
2020: €-29k▼ -15.9% vs 2019
2021: €88k▲ +401% vs 2020highest in 8 years
2022: €-2k▼ -102% vs 2021
2023: €-3k▼ -48.7% vs 2022
2024: €3k▲ +191% vs 2023
2025: €-43k▼ -1638% vs 2024lowest in 8 years
2018 → 2025
Working capital
€19k▼ 83.4%
2024 · €113k
2018: €65k
2019: €44k▼ -31.9% vs 2018
2020: €15k▼ -67.0% vs 2019lowest in 8 years
2021: €96k▲ +550% vs 2020
2022: €91k▼ -4.3% vs 2021
2023: €113k▲ +23.6% vs 2022
2024: €113k▲ +0.3% vs 2023highest in 8 years
2025: €19k▼ -83.4% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€119k-€117k▼ 1.7%€114k▼ 2.6%€113k▼ 0.7%€70k▼ 38.3%
2021: €119khighest in 5 years
2022: €117k▼ -1.7% vs 2021
2023: €114k▼ -2.6% vs 2022
2024: €113k▼ -0.7% vs 2023
2025: €70k▼ -38.3% vs 2024lowest in 5 years
Operating result€109k-€2k▼ 98.3%€673▼ 63.7%€4k▲ 487%€-43k
2021: €109khighest in 5 years
2022: €2k▼ -98.3% vs 2021
2023: €673▼ -63.7% vs 2022
2024: €4k▲ +487% vs 2023
2025: €-43k▼ -1192% vs 2024lowest in 5 years
Net result€88k-€-2k€-3k▼ 48.7%€3k€-43k
2021: €88khighest in 5 years
2022: €-2k▼ -102% vs 2021
2023: €-3k▼ -48.7% vs 2022
2024: €3k▲ +191% vs 2023
2025: €-43k▼ -1638% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €43k after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €534k
Fixed assets
€51k
Current assets
€483k
Equity and liabilities €534k
Equity
€70k ▼ 38.3%
Debt
€464k ▲ 1,026%
Debt's share of the balance-sheet total rises from 26.7% to 86.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-32k
Cash flow
€-32k
Current ratio
1.04▼
2024 · 3.75
Quick ratio
0.98▼
2024 · 3.75
Debt to equity
6.64▲
2024 · 0.36
ROE
-62.1%▼
2024 · 2.5%
ROA
-8.1%▼
2024 · 1.8%
Interest coverage
-11.28
Debt ≤ 1 year
€464k▲
2024 · €41k
Income taxes
€176▼
2024 · €282
Staff costs
€960k▲
2024 · €-6k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€154k€534k▲
Fixed assets21/28-€51k
Intangible fixed assets21-€33k
Tangible fixed assets22/27-€18k
Plant, machinery and equipment23-€9k
Furniture and vehicles24-€10k
Current assets29/58€154k€483k▲
Stocks and contracts in progress3-€28k
Stocks30/36-€28k
Amounts receivable within one year40/41€131k€175k▲
Trade receivables40-€1k
Other amounts receivable41€131k€174k▲
Cash at bank and in hand54/58€19k€277k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€154k€534k▲
Equity10/15€113k€70k▼
Contributions10/11€31k€31k=
Reserves13€87k€87k=
Distributable reserves133€87k€87k=
Profit (loss) carried forward14€-5k€-49k▼
Amounts payable17/49€41k€464k▲
Amounts payable within one year42/48€41k€464k▲
Trade debts44€8k€341k▲
Suppliers440/4€8k€341k▲
Taxes, remuneration and social security45€282€121k▲
Taxes450/3€282€3k▲
Remuneration and social security454/9-€118k
Other amounts payable47/48€33k€1k▼
Income statement
Code20242025
Non-recurring operating income76A-€460
Remuneration, social security and pensions62€-6k€960k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€11k
Other operating charges640/8€85€521▲
Gross operating margin9900€-2k€928k▲
Operating profit (loss)9901€4k€-43k▼
Financial income75/76B-€3k
Recurring financial income75-€3k
Financial charges65/66B€848€3k▲
Recurring financial charges65€848€3k▲
Profit (loss) for the period before taxes9903€3k€-43k▼
Income taxes67/77€282€176▼
Profit (loss) for the period9904€3k€-43k▼
Profit (loss) for the period to be appropriated9905€3k€-43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-49k▼
Profit (loss) brought forward from the previous period14P€-5k€-5k=
Transfer from equity791/2€4k-
Transfer to equity691/2€3k-
To other reserves6921€3k-
Profit to be distributed694/7€4k-
Return on contributions (dividend)694€4k-
Social balance
Average headcount (FTE)9087-19.6
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €11k | - | €181k | - | €460 | - |
| Remuneration, social security and pensions62 | €400k | €592k | €704k | €-6k | €960k | ▲ 15,242% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €7k | €4k | - | €11k | - |
| Other operating charges640/8 | €2k | €3k | €3k | €85 | €521 | ▲ 512% |
| Non-recurring operating charges66A | €2k | - | €15k | - | - | - |
| Gross operating margin9900 | €520k | €604k | €726k | €-2k | €928k | ▲ 40,419% |
| Operating profit (loss)9901 | €109k | €2k | €673 | €4k | €-43k | ▼ 1,192% |
| Financial income75/76B | €853 | €2k | €769 | - | €3k | - |
| Recurring financial income75 | €853 | €2k | €769 | - | €3k | - |
| Financial charges65/66B | €475 | €2k | €4k | €848 | €3k | ▲ 236% |
| Recurring financial charges65 | €475 | €2k | €4k | €848 | €3k | ▲ 236% |
| Profit (loss) for the period before taxes9903 | €110k | €1k | €-3k | €3k | €-43k | ▼ 1,493% |
| Income taxes67/77 | €21k | €3k | €173 | €282 | €176 | ▼ 37.6% |
| Profit (loss) for the period9904 | €88k | €-2k | €-3k | €3k | €-43k | ▼ 1,638% |
| Profit (loss) for the period to be appropriated9905 | €88k | €-2k | €-3k | €3k | €-43k | ▼ 1,638% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €286k | €445k | €180k | €154k | €534k | ▲ 246% |
| Fixed assets21/28 | €24k | €26k | €1k | - | €51k | - |
| Intangible fixed assets21 | - | - | - | - | €33k | - |
| Tangible fixed assets22/27 | €23k | €25k | - | - | €18k | - |
| Plant, machinery and equipment23 | - | €3k | - | - | €9k | - |
| Furniture and vehicles24 | €16k | €14k | - | - | €10k | - |
| Other tangible fixed assets26 | €6k | €8k | - | - | - | - |
| Financial fixed assets28 | €1k | €1k | €1k | - | - | - |
| Current assets29/58 | €262k | €420k | €179k | €154k | €483k | ▲ 212% |
| Stocks and contracts in progress3 | €13k | €27k | - | - | €28k | - |
| Stocks30/36 | €13k | €27k | - | - | €28k | - |
| Amounts receivable within one year40/41 | €180k | €191k | €169k | €131k | €175k | ▲ 33.9% |
| Trade receivables40 | €3k | €10k | €64k | - | €1k | - |
| Other amounts receivable41 | €178k | €182k | €105k | €131k | €174k | ▲ 32.9% |
| Cash at bank and in hand54/58 | €68k | €195k | €11k | €19k | €277k | ▲ 1,364% |
| Deferred charges and accrued income490/1 | €550 | €7k | - | €5k | €3k | ▼ 42.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €286k | €445k | €180k | €154k | €534k | ▲ 246% |
| Equity10/15 | €119k | €117k | €114k | €113k | €70k | ▼ 38.3% |
| Contributions10/11 | €31k | €31k | €31k | €31k | €31k | = |
| Reserves13 | €88k | €88k | €88k | €87k | €87k | = |
| Non-distributable reserves130/1 | €3k | €3k | - | - | - | - |
| Reserves not available under the articles1311 | €3k | €3k | - | - | - | - |
| Distributable reserves133 | €85k | €85k | €88k | €87k | €87k | = |
| Profit (loss) carried forward14 | - | €-2k | €-5k | €-5k | €-49k | ▼ 836% |
| Amounts payable17/49 | €167k | €328k | €66k | €41k | €464k | ▲ 1,026% |
| Amounts payable within one year42/48 | €167k | €328k | €66k | €41k | €464k | ▲ 1,026% |
| Trade debts44 | €98k | €246k | €18k | €8k | €341k | ▲ 4,324% |
| Suppliers440/4 | €98k | €246k | €18k | €8k | €341k | ▲ 4,324% |
| Taxes, remuneration and social security45 | €69k | €70k | €45k | €282 | €121k | ▲ 42,829% |
| Taxes450/3 | €22k | €5k | €6k | €282 | €3k | ▲ 912% |
| Remuneration and social security454/9 | €47k | €66k | €39k | - | €118k | - |
| Other amounts payable47/48 | - | €12k | €3k | €33k | €1k | ▼ 96.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €88k | €-2k | €-3k | €3k | €-43k | ▼ 1,638% |
| + Depreciation and write-downs630 | €7k | €7k | €4k | - | €11k | - |
| Operating cash flow (approximation) | €96k | €4k | €674 | €3k | €-32k | ▼ 1,247% |
| Investment in fixed assets (approximation) | - | €-9k | €21k | - | - | - |
| Change in cash | - | €127k | €-184k | €8k | €258k | ▲ 2,965% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-43k
Net result drops to €-43k, the lowest in the series.
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 2.70
Current ratio from 1.28 to 2.70; short-term debt falls from €328k to €66k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €88k
Net result €88k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €119k ▲287%
Equity rises from €31k to €119k.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 56 days late
Show earlier events
2019
31-12
Financial
Liquidity triplescurrent ratio 3.78
Current ratio from 1.27 to 3.78; short-term debt falls from €244k to €16k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Anderlecht · 1 establishment unit since 2010
Ground area
5.3 ha
Building footprint
1.2 ha
Volume, LiDAR
108,018 m³
2 parcels, Brussels · tallest building 17.1 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
QUICK
since 20102.183.779.113
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21674C0095/00M007 | Brussels | 5.2 ha | 1 · 1.2 ha | 17.1 m · 3 fl. |
| 21308H0252/00L000 | Brussels | 1,216 m² | 1 · 180 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Lambrechts-Woluwe2.183.779.113
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Of 21,853 companies in sector 56112 we hold annual accounts for 9,776. 8,164 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-12-2009
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Contact
Phone
0476801386
Scores and ratios are computed by Checked and are not a credit decision.