JPoncelet MANAGEMENT
ActiveThe computed 12-month bankruptcy probability of JPoncelet MANAGEMENT is 1.7% (moderate). The 2025 annual accounts show equity of €33k and a net result of €24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 39% of 18040 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
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-12
Solvency46▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.92 against 0.88 in 2024; short-term debt: 29.8% and cash: 4.2% of total assets), and 78.7% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
21.3%
Return on assets
15.6%
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 28-08-2026, 28 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
28 d late
2024
on the day
2023
29 d late
2022
28 d late
2021
17 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 276%
2024 · €9k
2021: €-2k
2022: €-10k
2023: €-16k
2024: €9k
2021 → 2025
Total assets
€155k▲ 169%
2024 · €58k
2021: €40k
2022: €27k
2023: €51k
2024: €58k
2021 → 2025
Net result
€24k▼ 49.3%
2024 · €48k
2021: €-9k
2022: €-22k
2023: €-1k
2024: €48k
2021 → 2025
Working capital
€-4k▲ 38.2%
2024 · €-6k
2021: €2k
2022: €-12k
2023: €-12k
2024: €-6k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-2k-€-10k▼ 440%€-16k▼ 65.1%€9k€33k▲ 276%
Operating result€-7k-€-21k▼ 204%€13k€61k▲ 373%€35k▼ 42.4%
Net result€-9k-€-22k▼ 149%€-1k▲ 94.5%€48k€24k▼ 49.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€112k▲ 672%
Current assets
€43k▼ 1.2%
Equity and liabilities €155k
Equity
€33k▲ 276%
Debt
€122k▲ 150%
The debt ratio falls from 84.8% to 78.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€41k▼
2024 · €62k
Cash flow
€30k▼
2024 · €48k
Solvency
21.3%▲
2024 · 15.2%
Current ratio
0.92▲
2024 · 0.88
Quick ratio
0.92▲
2024 · 0.88
Debt / equity
3.70▼
2024 · 5.58
ROE
73.4%▼
2024 · 544.1%
ROA
15.6%▼
2024 · 82.7%
Interest coverage
43.40▼
2024 · 93.45
Debt
€122k▲
2024 · €49k
Debt ≤ 1 year
€46k▼
2024 · €49k
Debt > 1 year
€76k
Income taxes
€12k▼
2024 · €14k
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€58k€155k▲
Fixed assets21/28€15k€112k▲
Tangible fixed assets22/27€15k€112k▲
Land and buildings22-€90k
Furniture and vehicles24€15k€23k▲
Current assets29/58€43k€43k▼
Amounts receivable within one year40/41€41k€36k▼
Trade receivables40€17k€12k▼
Other amounts receivable41€25k€23k▼
Cash at bank and in hand54/58€2k€6k▲
Deferred charges and accrued income490/1€59€474▲
Equity and liabilities
Total equity and liabilities10/49€58k€155k▲
Equity10/15€9k€33k▲
Contributions10/11€9k€9k=
Profit (loss) carried forward14€57€24k▲
Amounts payable17/49€49k€122k▲
Amounts payable after more than one year17-€76k
Financial debts170/4-€76k
Amounts payable within one year42/48€49k€46k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€12k€10k▼
Suppliers440/4€12k€10k▼
Taxes, remuneration and social security45€17k€31k▲
Taxes450/3€17k€31k▲
Other amounts payable47/48€16k-
Accrued charges and deferred income492/3-€302
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€437€6k▲
Other operating charges640/8€171€14k▲
Gross operating margin9900€62k€55k▼
Operating profit (loss)9901€61k€35k▼
Financial income75/76B€955€2k▲
Recurring financial income75€955€2k▲
Financial charges65/66B€661€954▲
Recurring financial charges65€661€954▲
Profit (loss) for the period before taxes9903€62k€36k▼
Income taxes67/77€14k€12k▼
Profit (loss) for the period9904€48k€24k▼
Profit (loss) for the period to be appropriated9905€48k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€24k▲
Profit (loss) brought forward from the previous period14P€-32k€57▲
Profit to be distributed694/7€16k-
Return on contributions (dividend)694€16k-
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €48k
Net result €48k after 3 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
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, Mons · 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.
Boulevard Sainctelette 397000 MonsGround area
1,618 m²
Building footprint
516 m²
Volume, LiDAR
11,095 m³
Parcel 53053D0025/00G054, Wallonia · tallest building 25.0 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
JPoncelet MANAGEMENT
since 20202.304.465.325
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0025/00G054 | Wallonia | 1,618 m² | 1 · 516 m² | 24.9 m · 7 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 237 companies in sector 47522 we hold annual accounts for 139. 96 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2020
Fiscal year end31-12
Activities, NACEBEL
47522Retail trade
25120Manufacture of fabricated metal products, except machinery and equipment
46831Wholesale of construction materials, general range
46839Wholesale trade
47529Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:Jerome.Poncelet@belisol.com
Phone:+32476089899