JONAN
ActiveThe computed 12-month bankruptcy probability of JONAN is 1.8% (moderate). The 2025 annual accounts show equity of €43k and a net result of €5k. Equity is shrinking by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 91% of 1541 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-3
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 4.94 against 6.25 in 2024; short-term debt: 14.2% and cash: 37.7% of total assets), and 17.5% 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
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 10
Relative position
BE, all sectors
reference
Sector 10
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
82.5%
Return on assets
9.4%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-02-2026, 9 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
9 d late
2024
on the day
2023
on the day
2022
on the day
2021
on the day
← 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 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▼ 44.8%
2024 · €78k
2021: €69k
2022: €59k
2023: €68k
2024: €78k
2021 → 2025
Total assets
€52k▼ 42.2%
2024 · €91k
2021: €102k
2022: €92k
2023: €88k
2024: €91k
2021 → 2025
Net result
€5k▼ 52.8%
2024 · €10k
2021: €59k
2022: €-9k
2023: €8k
2024: €10k
2021 → 2025
Working capital
€29k▼ 46.4%
2024 · €55k
2021: €-6k
2022: €-5k
2023: €23k
2024: €55k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€59k▼ 13.6%€68k▲ 14.1%€78k▲ 15.4%€43k▼ 44.8%
Operating result€76k-€-8k€11k€15k▲ 46.9%€8k▼ 47.9%
Net result€59k-€-9k€8k€10k▲ 24.3%€5k▼ 52.8%
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 48% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€16k▼ 38.8%
Current assets
€37k▼ 43.5%
Equity and liabilities €52k
Equity
€43k▼ 44.8%
Debt
€9k▼ 25.6%
The debt ratio rises from 13.6% to 17.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€30k▼
2024 · €36k
Cash flow
€27k▼
2024 · €31k
Solvency
82.5%▼
2024 · 86.4%
Current ratio
4.94▼
2024 · 6.25
Quick ratio
3.85▼
2024 · 5.44
Debt / equity
0.21▲
2024 · 0.16
ROE
11.4%▼
2024 · 13.3%
ROA
9.4%▼
2024 · 11.5%
Interest coverage
16.66▼
2024 · 21.24
Debt
€9k▼
2024 · €12k
Debt ≤ 1 year
€7k▼
2024 · €10k
Income taxes
€2k▼
2024 · €4k
Staff costs
€2k▼
2024 · €3k
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€91k€52k▼
Fixed assets21/28€26k€16k▼
Tangible fixed assets22/27€26k€16k▼
Plant, machinery and equipment23€23k€14k▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€65k€37k▼
Stocks and contracts in progress3€8k€8k▼
Stocks30/36€8k€8k▼
Amounts receivable within one year40/41€5k€2k▼
Trade receivables40€4k€2k▼
Other amounts receivable41€570€57▼
Cash at bank and in hand54/58€45k€20k▼
Deferred charges and accrued income490/1€7k€7k▲
Equity and liabilities
Total equity and liabilities10/49€91k€52k▼
Equity10/15€78k€43k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€68k€33k▼
Amounts payable17/49€12k€9k▼
Amounts payable within one year42/48€10k€7k▼
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€3k€857▼
Taxes450/3€3k€857▼
Remuneration and social security454/9€194€0▼
Other amounts payable47/48-€2k
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€3k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€22k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€44k€36k▼
Operating profit (loss)9901€15k€8k▼
Financial income75/76B€214€212▼
Recurring financial income75€214€212▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€14k€6k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€10k€5k▼
Profit (loss) for the period to be appropriated9905€10k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€68k€73k▲
Profit (loss) brought forward from the previous period14P€58k€68k▲
Profit to be distributed694/7-€40k
Return on contributions (dividend)694-€40k
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
09-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity triplescurrent ratio 6.25
Current ratio from 2.25 to 6.25; short-term debt falls from €18k to €10k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 2.25
Current ratio from 0.84 to 2.25; short-term debt falls from €30k to €18k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-9k ▼116%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Kortrijk · 1 establishment unit since 2020
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.
Lauwsestraat(Aal) 388511 KortrijkGround area
738 m²
Building footprint
431 m²
Volume, LiDAR
2,532 m³
Parcel 34001A0337/00W000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Brood en banket Callewaert
since 20202.304.170.662
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34001A0337/00W000 | Flanders | 738 m² | 1 · 431 m² | 9.3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKortrijk2.304.170.662
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Of 4,227 companies in sector 10712 we hold annual accounts for 1,870. 1,503 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2020
Fiscal year end30-06
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
10720Manufacture of food products
47241Retail sale of bread and pastry (bakery outlets)
47279Other retail sale of food
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.bakkerijcallewaertaalbeke.be
Phone:056/41.39.13