Joris Persoons
ActiveThe computed 12-month bankruptcy probability of Joris Persoons is 1.8% (moderate). The 2025 annual accounts show equity of €149k and a net result of €28k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 4477 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
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+1
Solvency100▲+19
Growth52=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 5.85 against 2.37 in 2024; short-term debt: 13.2% and cash: 36.8% of total assets), and 24.4% 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+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 81
Relative position
BE, all sectors
reference
Sector 81
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
75.6%
Return on assets
14.1%
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 27-08-2026, 27 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 · 5 filingsDeviation from the deadline
2025
27 d late
2024
35 d early
2023
30 d late
2022
30 d late
2021
23 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€149k▲ 23.0%
2024 · €121k
2021: €70k
2022: €123k
2023: €126k
2024: €121k
2021 → 2025
Total assets
€197k▼ 9.5%
2024 · €218k
2021: €139k
2022: €180k
2023: €151k
2024: €218k
2021 → 2025
Net result
€28k▼ 1.4%
2024 · €28k
2021: €65k
2022: €53k
2023: €3k
2024: €28k
2021 → 2025
Working capital
€126k▲ 41.0%
2024 · €90k
2021: €20k
2022: €77k
2023: €93k
2024: €90k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€123k▲ 75.8%€126k▲ 2.7%€121k▼ 3.8%€149k▲ 23.0%
Operating result€85k-€67k▼ 21.6%€5k▼ 92.4%€36k▲ 611%€37k▲ 3.0%
Net result€65k-€53k▼ 18.4%€3k▼ 93.7%€28k▲ 744%€28k▼ 1.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €197k
Fixed assets
€45k▼ 28.5%
Current assets
€153k▼ 1.8%
Equity and liabilities €197k
Equity
€149k▲ 23.0%
Debt
€48k▼ 50.2%
The debt ratio falls from 44.3% to 24.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€60k▲
2024 · €56k
Cash flow
€51k▲
2024 · €48k
Solvency
75.6%▲
2024 · 55.7%
Current ratio
5.85▲
2024 · 2.37
Quick ratio
5.85▲
2024 · 2.37
Debt / equity
0.32▼
2024 · 0.80
ROE
18.7%▼
2024 · 23.3%
ROA
14.1%▲
2024 · 13.0%
Interest coverage
40.04▼
2024 · 43.21
Debt
€48k▼
2024 · €97k
Debt ≤ 1 year
€26k▼
2024 · €66k
Debt > 1 year
€22k▼
2024 · €31k
Income taxes
€9k▲
2024 · €8k
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€218k€197k▼
Fixed assets21/28€63k€45k▼
Tangible fixed assets22/27€63k€45k▼
Plant, machinery and equipment23€3k€238▼
Furniture and vehicles24€58k€43k▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€155k€153k▼
Amounts receivable within one year40/41€54k€28k▼
Trade receivables40€14k€12k▼
Other amounts receivable41€39k€16k▼
Current investments50/53-€50k
Cash at bank and in hand54/58€91k€73k▼
Deferred charges and accrued income490/1€11k€2k▼
Equity and liabilities
Total equity and liabilities10/49€218k€197k▼
Equity10/15€121k€149k▲
Contributions10/11€5k€5k=
Reserves13€116k€144k▲
Distributable reserves133€116k€144k▲
Amounts payable17/49€97k€48k▼
Amounts payable after more than one year17€31k€22k▼
Financial debts170/4€31k€22k▼
Amounts payable within one year42/48€66k€26k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€22k€17k▼
Suppliers440/4€22k€17k▼
Taxes, remuneration and social security45€7k-
Taxes450/3€7k-
Other amounts payable47/48€28k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€23k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€460-
Gross operating margin9900€59k€62k▲
Operating profit (loss)9901€36k€37k▲
Financial income75/76B€2k€923▼
Recurring financial income75€2k€923▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€37k€36k▼
Income taxes67/77€8k€9k▲
Profit (loss) for the period9904€28k€28k▼
Profit (loss) for the period to be appropriated9905€28k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€28k▼
Transfer from equity791/2€5k-
Transfer to equity691/2-€28k
To other reserves6921-€28k
Profit to be distributed694/7€33k-
Return on contributions (dividend)694€33k-
The notes to these accounts (7 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 5.85
Current ratio from 2.37 to 5.85; short-term debt falls from €66k to €26k.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €3k ▼93.7%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 4.68
Current ratio from 2.34 to 4.68; short-term debt falls from €58k to €25k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Equity above €100kEq €123k ▲75.8%
2 profitable years in a row build equity to €123k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
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, Geel · 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.
Stelenseweg 822440 GeelGround area
244 m²
Building footprint
95 m²
Volume, LiDAR
659 m³
Parcel 13373L0807/00S000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Joris Persoons
since 20202.308.816.368
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13373L0807/00S000 | Flanders | 244 m² | 1 · 95 m² | 9.7 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.
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Of 21,218 companies in sector 81300 we hold annual accounts for 4,363. 3,542 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-2020
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
43120Site preparation
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.