Jönchem
ActiveJönchem has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €817k and a net result of €144k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 31% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▲+20
Solvency38▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity tight (current ratio 1.0 against 0.87 in 2024; short-term debt: 70.6% and cash: 1.3% of total assets), and 87.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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
12.6%
Return on assets
2.2%
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 31-08-2026, 31 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
31 d late
2024
29 d late
2023
28 d late
2022
31 d late
2021
31 d late
2020
31 d early
2019
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€817k▲ 21.4%
2024 · €673k
2018: €520k
2019: €457k
2021: €683k
2022: €696k
2023: €804k
2024: €673k
2018 → 2025
Total assets
€6.49M▲ 18.1%
2024 · €5.50M
2018: €2.01M
2019: €2.39M
2021: €3.32M
2022: €3.37M
2023: €4.49M
2024: €5.50M
2018 → 2025
Net result
€144k
2024 · €-131k
2018: €5k
2019: €-63k
2021: €4k
2022: €13k
2023: €108k
2024: €-131k
2018 → 2025
Working capital
€19k
2024 · €-446k
2018: €720k
2019: €132k
2021: €510k
2022: €191k
2023: €179k
2024: €-446k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€683k-€696k▲ 1.9%€804k▲ 15.5%€673k▼ 16.3%€817k▲ 21.4%
Operating result€51k-€90k▲ 74.6%€255k▲ 183%€6k▼ 97.5%€349k▲ 5,363%
Net result€4k-€13k▲ 227%€108k▲ 729%€-131k€144k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5,363% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.49M
Fixed assets
€1.89M▼ 24.7%
Current assets
€4.61M▲ 54.0%
Equity and liabilities €6.49M
Equity
€817k▲ 21.4%
Provisions
€15k▼ 8.7%
Debt
€5.66M▲ 17.7%
The debt ratio falls from 87.5% to 87.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€435k▲
2024 · €133k
Cash flow
€230k▲
2024 · €-5k
Solvency
12.6%▲
2024 · 12.2%
Current ratio
1.00▲
2024 · 0.87
Quick ratio
0.24▲
2024 · 0.18
Debt / equity
6.93▼
2024 · 7.15
ROE
17.6%▲
2024 · -19.4%
ROA
2.2%▲
2024 · -2.4%
Interest coverage
2.73▲
2024 · 0.95
Debt
€5.66M▲
2024 · €4.81M
Debt ≤ 1 year
€4.59M▲
2024 · €3.44M
Debt > 1 year
€1.07M▼
2024 · €1.37M
Income taxes
€47k
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€5.50M€6.49M▲
Fixed assets21/28€2.51M€1.89M▼
Intangible fixed assets21€150k€128k▼
Tangible fixed assets22/27€2.36M€1.76M▼
Land and buildings22€1.64M€992k▼
Plant, machinery and equipment23€53k€109k▲
Furniture and vehicles24-€8k
Assets under construction and advance payments27€667k€649k▼
Financial fixed assets28€3k€3k=
Current assets29/58€2.99M€4.61M▲
Amounts receivable after more than one year29€21k€21k=
Other amounts receivable291€21k€21k=
Stocks and contracts in progress3€2.37M€3.52M▲
Stocks30/36€2.37M€3.52M▲
Amounts receivable within one year40/41€556k€971k▲
Trade receivables40€480k€898k▲
Other amounts receivable41€76k€73k▼
Cash at bank and in hand54/58€34k€82k▲
Deferred charges and accrued income490/1€7k€7k▲
Equity and liabilities
Total equity and liabilities10/49€5.50M€6.49M▲
Equity10/15€673k€817k▲
Contributions10/11€19k€19k=
Reserves13€646k€640k▼
Tax-exempt reserves132€65k€59k▼
Distributable reserves133€582k€582k=
Profit (loss) carried forward14€9k€158k▲
Provisions and deferred taxes16€16k€15k▼
Deferred taxes168€16k€15k▼
Amounts payable17/49€4.81M€5.66M▲
Amounts payable after more than one year17€1.37M€1.07M▼
Financial debts170/4€1.37M€1.07M▼
Amounts payable within one year42/48€3.44M€4.59M▲
Current portion of amounts payable after more than one year42€164k€218k▲
Financial debts43€2.01M€2.84M▲
Credit institutions430/8€2.01M€2.84M▲
Trade debts44€71k€171k▲
Suppliers440/4€71k€171k▲
Taxes, remuneration and social security45€39k€35k▼
Taxes450/3€39k€35k▼
Other amounts payable47/48€1.15M€1.33M▲
Accrued charges and deferred income492/3€3k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€10k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€126k€87k▼
Other operating charges640/8€20k€17k▼
Gross operating margin9900€152k€453k▲
Operating profit (loss)9901€6k€349k▲
Financial income75/76B€2k€46▼
Recurring financial income75€2k€46▼
Financial charges65/66B€139k€160k▲
Recurring financial charges65€139k€160k▲
Profit (loss) for the period before taxes9903€-131k€189k▲
Transfer from deferred taxes780-€1k
Income taxes67/77-€47k
Profit (loss) for the period9904€-131k€144k▲
Transfer from tax-exempt reserves789-€6k
Profit (loss) for the period to be appropriated9905€-131k€149k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€158k▲
Profit (loss) brought forward from the previous period14P€139k€9k▼
The notes to these accounts (20 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €144k
Net result €144k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-131k ▼221%
Net result drops to €-131k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
Financial
Equity above €500kEq €683k ▲49.6%
Equity rises from €457k to €683k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
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, Brasschaat · 1 establishment unit since 1997
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.
Baillet-Latourlei 972930 BrasschaatGround area
2,318 m²
Building footprint
256 m²
Volume, LiDAR
1,354 m³
Parcel 11322E0256/00M002, Flanders · tallest building 14.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JONCHEM BVBA
since 19972.082.027.497
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11322E0256/00M002 | Flanders | 2,318 m² | 1 · 256 m² | 14.1 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
TRADIBO
BE 0444.614.346
Damme · Eq €817k
STONE BY STONE
BE 0876.914.741
Elsene · Eq €817k
LES CORNUES
BE 0449.992.601
Mons · Eq €818k
Gemako Invest
BE 0728.526.121
Diepenbeek · Eq €819k
AISYS
BE 0472.729.203
Lokeren · Eq €819k
Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 4,175 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-1997
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
74142
41001General construction of residential buildings
68310Real estate agency activities
68311Real estate activities
68322Real estate appraisal on a fee or contract basis
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.