JPH Handelsonderneming

Active

Private limited companyfounded 20196 yrs activeKriekelsheuvelstraat 75, 3680 Maaseik, BelgiumKBO/BCE: BE 0736.565.441

The computed 12-month bankruptcy probability of JPH Handelsonderneming is 1.7% (moderate). The 2024 annual accounts show equity of €4k and a net result of €7k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 15867 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

56 / 100

Fair▲ +49 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency16▼-17

Growth78▲+46

Stability100

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.92 against 0.5 in 2023), and 90.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

9.3%

Return on assets

17.7%

Age of the figures

20 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-09-2025, 52 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 filings

Deviation from the deadline

2025

not confirmed

2024

52 d late

2023

158 d late

2022

44 d late

2021

69 d late

2020

90 d late

← before the deadline after the deadline →

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 2024, micro schema

Equity

€4k

2023 · €-3k

2020: €3k 2021: €-5k 2022: €6k 2023: €-3k

2020 → 2024

Total assets

€39k▲ 41.8%

2023 · €27k

2020: €6k 2021: €5k 2022: €37k 2023: €27k

2020 → 2024

Net result

€7k

2023 · €-9k

2020: €-2k 2021: €-8k 2022: €11k 2023: €-9k

2020 → 2024

Working capital

€-3k▲ 82.8%

2023 · €-15k

2020: €-3k 2021: €-9k 2022: €-351 2023: €-15k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€3k-€-5k€6k€-3k€4k

Operating result€-2k-€-8k▼ 245%€11k€-9k€7k

Net result€-2k-€-8k▼ 247%€11k€-9k€7k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2024: €7k after a loss of €9k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €39k

16.1%

83.9%

Fixed assets €6k▼ 48.1%

Current assets €32k▲ 112%

Equity and liabilities €39k

90.7%

Equity €4k

Debt €35k

Debt finances 90.7% of the balance-sheet total.

Key figures and ratios

2024 value · change against 2023

EBITDA

€13k▲

2023 · €-5k

Cash flow

€13k▲

2023 · €-5k

Solvency

9.3%▲

2023 · -11.9%

Current ratio

0.92▲

2023 · 0.50

Quick ratio

0.92▲

2023 · 0.50

Debt / equity

9.72▲

2023 · -9.38

ROE

190.3%▼

2023 · 271.8%

ROA

17.7%▲

2023 · -32.4%

Interest coverage

121.78▲

2023 · -60.43

Debt

€35k▲

2023 · €30k

Debt ≤ 1 year

€35k▲

2023 · €30k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€27k€39k▲

Fixed assets21/28€12k€6k▼

Tangible fixed assets22/27€12k€6k▼

Plant, machinery and equipment23€11k€6k▼

Furniture and vehicles24€869-

Current assets29/58€15k€32k▲

Amounts receivable within one year40/41€10k-

Other amounts receivable41€10k-

Cash at bank and in hand54/58€4k€31k▲

Deferred charges and accrued income490/1€1k€918▼

Equity and liabilities

Total equity and liabilities10/49€27k€39k▲

Equity10/15€-3k€4k▲

Contributions10/11€5k€5k=

Profit (loss) carried forward14€-8k€-1k▲

Amounts payable17/49€30k€35k▲

Amounts payable within one year42/48€30k€35k▲

Trade debts44€10k€12k▲

Suppliers440/4€10k€12k▲

Taxes, remuneration and social security45€5k€5k▲

Taxes450/3€5k€5k▲

Other amounts payable47/48€16k€18k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲

Other operating charges640/8€860€1k▲

Gross operating margin9900€-4k€14k▲

Operating profit (loss)9901€-9k€7k▲

Financial income75/76B-€196

Recurring financial income75-€196

Financial charges65/66B€81€103▲

Recurring financial charges65€81€103▲

Profit (loss) for the period before taxes9903€-9k€7k▲

Profit (loss) for the period9904€-9k€7k▲

Profit (loss) for the period to be appropriated9905€-9k€7k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-8k€-1k▲

Profit (loss) brought forward from the previous period14P€574€-8k▼

The notes to these accounts (4 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

All 8Financial 3Filings 5

2025

21-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 52 days late

05-01

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 158 days late

2024

31-12

Financial Back to profitnet €7k

Net result €7k after one loss-making year.

2023

31-12

Financial Weakest financial yearnet €-9k ▼183%

Net result drops to €-9k, the lowest in the series; recovery starts the following year.

13-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 44 days late

2022

31-12

Financial Back to profitnet €11k

Net result €11k after 2 loss-making years.

08-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 69 days late

2021

29-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 90 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, Maaseik · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Kriekelsheuvelstraat 753680 Maaseik

Ground area

1,200 m²

Building footprint

222 m²

Volume, LiDAR

1,014 m³

Parcel 72021A1734/00W000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

JPH Handelsonderneming

Kriekelsheuvelstraat 75, 3680 MaaseikWholesale trade

since 20192.294.722.664

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72021A1734/00W000	Flanders	1,200 m²	1 · 222 m²	6.9 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

Tessenderlo-Ham · Eq €3k

Ulti Group

BE 0795.537.976

Kortrijk · Eq €5k

Of 406 companies in sector 46110 we hold annual accounts for 172. 37 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded18-10-2019

Fiscal year end31-12

Activities, NACEBEL

46110Wholesale trade

46140Agents in the wholesale of industrial machinery, ships and aircraft

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.