Jo D'herde
ActiveJo D'herde has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €610k and a net result of €183k. Equity is growing by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 63% of 11323 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+6
Solvency83▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 2.53 against 3.92 in 2024; short-term debt: 23.5% and cash: 24.7% of total assets), and 41.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
58.2%
Return on assets
17.4%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
47 d early
2024
1 d early
2023
1 d early
2022
4 d early
2021
7 d early
2020
25 d early
2019
5 d early
← before the deadline
after the deadline →
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 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€610k▲ 5.1%
2024 · €580k
2019: €288k
2020: €356k
2021: €303k
2022: €407k
2023: €457k
2024: €580k
2019 → 2025
Total assets
€1.05M▲ 12.4%
2024 · €932k
2019: €766k
2020: €796k
2021: €892k
2022: €835k
2023: €887k
2024: €932k
2019 → 2025
Net result
€183k▲ 48.6%
2024 · €123k
2019: €85k
2020: €68k
2021: €122k
2022: €104k
2023: €121k
2024: €123k
2019 → 2025
Working capital
€376k▲ 9.1%
2024 · €345k
2019: €138k
2020: €163k
2021: €104k
2022: €163k
2023: €229k
2024: €345k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€303k-€407k▲ 34.3%€457k▲ 12.3%€580k▲ 26.9%€610k▲ 5.1%
Operating result€165k-€139k▼ 15.4%€166k▲ 19.0%€162k▼ 2.1%€242k▲ 49.4%
Net result€122k-€104k▼ 14.8%€121k▲ 16.2%€123k▲ 1.7%€183k▲ 48.6%
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 49% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.05M
Fixed assets
€425k▼ 9.3%
Current assets
€622k▲ 34.3%
Equity and liabilities €1.05M
Equity
€610k▲ 5.1%
Provisions
€2k=
Debt
€436k▲ 24.5%
The debt ratio rises from 37.6% to 41.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€274k▲
2024 · €197k
Cash flow
€214k▲
2024 · €158k
Solvency
58.2%▼
2024 · 62.3%
Current ratio
2.53▼
2024 · 3.92
Quick ratio
2.53▼
2024 · 3.92
Debt / equity
0.72▲
2024 · 0.60
ROE
30.0%▲
2024 · 21.2%
ROA
17.4%▲
2024 · 13.2%
Interest coverage
53.66▲
2024 · 32.60
Debt
€436k▲
2024 · €350k
Debt ≤ 1 year
€246k▲
2024 · €118k
Debt > 1 year
€185k▼
2024 · €231k
Income taxes
€59k▲
2024 · €38k
Staff costs
€481▼
2024 · €23k
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€932k€1.05M▲
Fixed assets21/28€468k€425k▼
Tangible fixed assets22/27€466k€423k▼
Land and buildings22€414k€397k▼
Plant, machinery and equipment23€28k€12k▼
Furniture and vehicles24€24k€14k▼
Other tangible fixed assets26€300€300=
Financial fixed assets28€2k€2k▼
Current assets29/58€463k€622k▲
Amounts receivable within one year40/41€60k€79k▲
Trade receivables40€60k€79k▲
Other amounts receivable41€123€0▼
Current investments50/53€365k€282k▼
Cash at bank and in hand54/58€36k€259k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€932k€1.05M▲
Equity10/15€580k€610k▲
Contributions10/11€19k€19k=
Reserves13€558k€588k▲
Tax-exempt reserves132€38k€38k=
Distributable reserves133€520k€550k▲
Profit (loss) carried forward14€4k€4k▼
Provisions and deferred taxes16€2k€2k=
Provisions for liabilities and charges160/5€2k€2k=
Environmental obligations163€0-
Other liabilities and charges164/5€2k€2k=
Amounts payable17/49€350k€436k▲
Amounts payable after more than one year17€231k€185k▼
Financial debts170/4€231k€185k▼
Amounts payable within one year42/48€118k€246k▲
Current portion of amounts payable after more than one year42€48k€48k▲
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Taxes, remuneration and social security45€23k€36k▲
Taxes450/3€21k€34k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€44k€156k▲
Accrued charges and deferred income492/3€368€5k▲
Income statement
Code20242025
Non-recurring operating income76A€0€4k▲
Remuneration, social security and pensions62€23k€481▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€32k▼
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A€4k€0▼
Gross operating margin9900€227k€280k▲
Operating profit (loss)9901€162k€242k▲
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€161k€241k▲
Income taxes67/77€38k€59k▲
Profit (loss) for the period9904€123k€183k▲
Profit (loss) for the period to be appropriated9905€123k€183k▲
Appropriation of the result
Profit (loss) to be appropriated9906€124k€187k▲
Profit (loss) brought forward from the previous period14P€1k€4k▲
Transfer to equity691/2€120k€30k▼
To other reserves6921€120k€30k▼
Profit to be distributed694/7€0€153k▲
Return on contributions (dividend)694€0€153k▲
The notes to these accounts (12 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
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €183k ▲48.6%
Operating result €242k, net result €183k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €500kEq €580k ▲26.9%
6 profitable years in a row build equity to €580k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €68k ▼20.2%
Net result drops to €68k, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
20-12
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.
Directors · office · real estate
Directors
4 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, Brugge · 1 establishment unit since 2015
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.
Predikherenstraat 308000 BruggeGround area
94 m²
Building footprint
88 m²
Volume, LiDAR
727 m³
Parcel 31802B0612/00_000, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Jo D'herde
since 20152.241.135.213
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31802B0612/00_000 | Flanders | 94 m² | 1 · 88 m² | 12.9 m · 3 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.
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Of 4,422 companies in sector 46180 we hold annual accounts for 1,886. 1,110 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-04-2015
Fiscal year end30-06
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.