JP CONFORT
ActiveThe computed 12-month bankruptcy probability of JP CONFORT is 2.1% (moderate). The 2025 annual accounts show equity of €100k and a net result of €19k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 7692 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
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-8
Solvency97▲+4
Growth52=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 3.26 against 3.24 in 2024; short-term debt: 27.8% and cash: 50.5% of total assets), and 27.8% 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 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 43
Relative position
BE, all sectors
reference
Sector 43
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
72.2%
Return on assets
13.9%
Age of the figures
9 mo
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 09-07-2026, 22 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
22 d early
2024
177 d early
2023
28 d early
2022
52 d early
2021
39 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€100k▲ 23.9%
2024 · €81k
2021: €53k
2022: €60k
2023: €60k
2024: €81k
2021 → 2025
Total assets
€139k▲ 17.5%
2024 · €118k
2021: €125k
2022: €122k
2023: €111k
2024: €118k
2021 → 2025
Net result
€19k▼ 19.6%
2024 · €24k
2021: €43k
2022: €7k
2023: €574
2024: €24k
2021 → 2025
Working capital
€87k▲ 27.1%
2024 · €69k
2021: €18k
2022: €28k
2023: €42k
2024: €69k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€60k▲ 12.8%€60k▲ 1.0%€81k▲ 33.9%€100k▲ 23.9%
Operating result€43k-€16k▼ 63.6%€5k▼ 67.1%€26k▲ 411%€28k▲ 6.4%
Net result€43k-€7k▼ 84.2%€574▼ 91.5%€24k▲ 4,077%€19k▼ 19.6%
Turnover and EBIT margin not published: the abbreviated or 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 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €139k
Fixed assets
€13k▼ 31.3%
Current assets
€126k▲ 26.8%
Equity and liabilities €139k
Equity
€100k▲ 23.9%
Debt
€39k▲ 3.7%
The debt ratio falls from 31.6% to 27.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€43k▼
2024 · €46k
Cash flow
€35k▼
2024 · €44k
Solvency
72.2%▲
2024 · 68.4%
Current ratio
3.26▲
2024 · 3.24
Quick ratio
2.99▲
2024 · 2.85
Debt / equity
0.39▼
2024 · 0.46
ROE
19.3%▼
2024 · 29.7%
ROA
13.9%▼
2024 · 20.3%
Interest coverage
190.24▲
2024 · 21.30
Debt
€39k▲
2024 · €37k
Debt ≤ 1 year
€39k▲
2024 · €31k
Income taxes
€8k
Staff costs
€11k▲
2024 · €10k
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€118k€139k▲
Fixed assets21/28€19k€13k▼
Tangible fixed assets22/27€19k€13k▼
Plant, machinery and equipment23€8k€11k▲
Furniture and vehicles24€11k€2k▼
Current assets29/58€99k€126k▲
Stocks and contracts in progress3€12k€10k▼
Stocks30/36€12k€10k▼
Amounts receivable within one year40/41€36k€45k▲
Trade receivables40€30k€17k▼
Other amounts receivable41€5k€28k▲
Cash at bank and in hand54/58€52k€70k▲
Deferred charges and accrued income490/1-€636
Equity and liabilities
Total equity and liabilities10/49€118k€139k▲
Equity10/15€81k€100k▲
Contributions10/11€10k€10k=
Capital10€10k€10k=
Issued capital100€10k€10k=
Reserves13€71k€90k▲
Distributable reserves133€71k€90k▲
Amounts payable17/49€37k€39k▲
Amounts payable after more than one year17€7k-
Financial debts170/4€7k-
Amounts payable within one year42/48€31k€39k▲
Current portion of amounts payable after more than one year42€7k€7k▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Advances received on contracts in progress46-€28k
Taxes, remuneration and social security45€493€510▲
Taxes450/3€493-
Remuneration and social security454/9-€510
Other amounts payable47/48€22k-
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€227k€253k▲
Remuneration, social security and pensions62€10k€11k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€15k▼
Other operating charges640/8€633€620▼
Gross operating margin9900€57k€55k▼
Operating profit (loss)9901€26k€28k▲
Financial income75/76B€21€38▲
Recurring financial income75€21€38▲
Financial charges65/66B€2k€227▼
Recurring financial charges65€2k€227▼
Profit (loss) for the period before taxes9903€24k€28k▲
Income taxes67/77-€8k
Profit (loss) for the period9904€24k€19k▼
Profit (loss) for the period to be appropriated9905€24k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€19k▼
Transfer to equity691/2€20k€19k▼
To other reserves6921€20k€19k▼
Profit to be distributed694/7€4k-
Return on contributions (dividend)694€4k-
The notes to these accounts (4 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €574 ▼91.5%
Net result drops to €574, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-06
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
3 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, Ans · 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.
Rue du Sart 234432 AnsGround area
321 m²
Building footprint
63 m²
Volume, LiDAR
495 m³
Parcel 62001B0511/00L005, Wallonia · tallest building 9.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JP CONFORT
since 20202.309.102.420
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62001B0511/00L005 | Wallonia | 321 m² | 1 · 63 m² | 9.1 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.
Similar companies · same sector, comparable size
MICHA REGUL
BE 0430.385.535
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BE 0829.296.253
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MAES TECHNIEKEN
BE 0843.332.252
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VERHOEVEN PROJECTS
BE 0544.528.405
Mechelen · Eq €100k
Meeusen
BE 0760.545.920
Wuustwezel · Eq €100k
Of 9,524 companies in sector 43222 we hold annual accounts for 5,657. 4,902 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-2020
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
33110Repair and maintenance of fabricated metal products
43221Plumbing work
46150Agents in the wholesale of furniture, household goods and hardware
46647Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.