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JONELCO

Active
Public limited companyfounded 198936 yrs activeFierkens-Heikant(SHL) 22, 3910 Pelt, BelgiumKBO/BCE: BE 0439.700.109

JONELCO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.55M and a net result of €11k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 52% of 8512 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
64 / 100
Healthy▲ +24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▲+3
Solvency64▲+1
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity short (current ratio 0.03 against 0.15 in 2024), and 45.2% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.
lowers riskneutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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 date
Age against the risk zone
elevated failure risk from 2 to 8 years 36 years 0 40 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
54.8%
Return on assets
0.4%
Age of the figures
8 mo
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 d early
2024
29 d late
2023
30 d late
2022
59 d late
2021
53 d late
2020
30 d late
2019
56 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 months
Position in the running window
09-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity
€1.55M▲ 0.7%
2024 · €1.54M
2018: €1.65M 2019: €1.61M 2020: €1.59M 2021: €1.56M 2022: €1.55M 2023: €1.55M 2024: €1.54M
2018 → 2025
Total assets
€2.83M▼ 2.3%
2024 · €2.90M
2018: €3.41M 2019: €3.39M 2020: €3.31M 2021: €3.17M 2022: €3.10M 2023: €3.00M 2024: €2.90M
2018 → 2025
Net result
€11k
2024 · €-9k
2018: €-47k 2019: €-41k 2020: €-29k 2021: €-13k 2022: €-9k 2023: €832 2024: €-9k
2018 → 2025
Working capital
€-975k▼ 11.4%
2024 · €-875k
2018: €814k 2019: €-821k 2020: €-832k 2021: €-844k 2022: €-855k 2023: €-858k 2024: €-875k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€1.56M-€1.55M▼ 0.6%€1.55M▲ 0.1%€1.54M▼ 0.6%€1.55M▲ 0.7%
Operating result€6k-€6k▲ 9.8%€14k▲ 129%€203▼ 98.5%€15k▲ 7,212%
Net result€-13k-€-9k▲ 27.5%€832€-9k€11k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-20k€-10k€0€10kOperating result 2021: €6k€6kNet result 2021: €-13k€-13kOperating result 2022: €6k€6kNet result 2022: €-9k€-9kOperating result 2023: €14k€14kNet result 2023: €832€832Operating result 2024: €203€203Net result 2024: €-9k€-9kOperating result 2025: €15k€15kNet result 2025: €11k€11k20212022202320242025
The operating result recovers in 2025; 2025 is 7,212% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.83M
Fixed assets €2.80M▲ 2.2%
Current assets €28k▼ 81.7%
Equity and liabilities €2.83M
Equity €1.55M▲ 0.7%
Provisions €19k▼ 8.3%
Debt €1.26M▼ 5.7%
The debt ratio falls from 46.1% to 44.5%: equity grows while debt is paid down.
Key figures and ratios
2025 value · change against 2024
EBITDA
€99k
2024 · €85k
Cash flow
€95k
2024 · €75k
Solvency
54.8%
2024 · 53.2%
Current ratio
0.03
2024 · 0.15
Quick ratio
0.03
2024 · 0.01
Debt / equity
0.81
2024 · 0.87
ROE
0.7%
2024 · -0.6%
ROA
0.4%
2024 · -0.3%
Interest coverage
12.56
2024 · 7.68
Debt
€1.26M
2024 · €1.34M
Debt ≤ 1 year
€1.00M
2024 · €1.03M
Debt > 1 year
€256k
2024 · €305k
Income taxes
€0
2024 · €82
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€2.90M€2.83M
Fixed assets21/28€2.74M€2.80M
Tangible fixed assets22/27€2.74M€2.80M
Land and buildings22€2.74M€2.80M
Current assets29/58€155k€28k
Stocks and contracts in progress3€144k€0
Stocks30/36€144k€0
Amounts receivable within one year40/41€663€0
Trade receivables40€663€0
Other amounts receivable41€0-
Cash at bank and in hand54/58€11k€28k
Equity and liabilities
Total equity and liabilities10/49€2.90M€2.83M
Equity10/15€1.54M€1.55M
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.48M€1.49M
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€62k€57k
Distributable reserves133€1.41M€1.43M
Provisions and deferred taxes16€21k€19k
Deferred taxes168€21k€19k
Amounts payable17/49€1.34M€1.26M
Amounts payable after more than one year17€305k€256k
Financial debts170/4€305k€256k
Amounts payable within one year42/48€1.03M€1.00M
Current portion of amounts payable after more than one year42€90k€49k
Trade debts44€9k€6k
Suppliers440/4€9k€6k
Taxes, remuneration and social security45€38€99
Taxes450/3€38€99
Other amounts payable47/48€931k€948k
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84k€84k=
Other operating charges640/8€11k€11k
Gross operating margin9900€96k€111k
Operating profit (loss)9901€203€15k
Financial income75/76B-€2k
Recurring financial income75-€2k
Financial charges65/66B€11k€8k
Recurring financial charges65€11k€8k
Profit (loss) for the period before taxes9903€-11k€9k
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€82€0
Profit (loss) for the period9904€-9k€11k
Transfer from tax-exempt reserves789€5k€5k=
Profit (loss) for the period to be appropriated9905€-4k€16k
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€16k
Transfer from equity791/2€4k€0
Transfer to equity691/2€0€16k
To other reserves6921€0€16k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
30-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial Back to profitnet €11k
Net result €11k after one loss-making year.
29-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial Back to profitnet €832
Net result €832 after 5 loss-making years.
28-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
22-09
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 53 days late
2021
30-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
25-09
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
30-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
25-09
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts

We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
no sitting director, last change in 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
17-10-2024 Jozef Van Vlierden: Resigned as Director
17-10-2024 Jozef Van Vlierden: Resigned as Managing director
17-10-2024 Petronella Van Winkel: Resigned as Director
Not every act has been read: a resignation may be missing here
9 of this company's 9 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Pelt · 1 establishment unit since 1990
exact location from the address register On OpenStreetMap
Ground area
3,762 m²
Building footprint
328 m²
Volume, LiDAR
1,854 m³
Parcel 72033A0562/00_000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JONELCO NV
Fierkens-Heikant(SHL) 22, 3910 PeltInsurance, reinsurance and pension funding, except compulsory social security
since 19902.047.032.669
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72033A0562/00_000 Flanders 3,762 m² 1 · 328 m² 11.0 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

Of 82,142 companies in sector 70200 we hold annual accounts for 52,371. 22,913 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPublic limited company
Founded18-12-1989
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers

Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.