JPR47
ActiveJPR47 has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.11M and a net result of €190k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 92% of 670 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-5
Solvency100=
Growth78=
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 ample (current ratio 10.47 against 16.44 in 2024), and 8.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
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 dateAge against the risk zone
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
91.1%
Return on assets
15.6%
Age of the figures
8 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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
9 d early
2023
19 d early
2022
5 d early
2021
2 d early
2020
1 d early
2019
21 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.11M▼ 13.5%
2024 · €1.28M
2018: €929k
2019: €1.02M
2020: €1.13M
2021: €1.13M
2022: €1.26M
2023: €1.33M
2024: €1.28M
2018 → 2025
Total assets
€1.22M▼ 10.4%
2024 · €1.36M
2018: €1.44M
2019: €1.67M
2020: €2.31M
2021: €2.09M
2022: €1.52M
2023: €1.64M
2024: €1.36M
2018 → 2025
Net result
€190k▼ 18.8%
2024 · €234k
2018: €82k
2019: €87k
2020: €114k
2021: €5k
2022: €121k
2023: €75k
2024: €234k
2018 → 2025
Working capital
€1.02M▼ 13.3%
2024 · €1.18M
2018: €363k
2019: €502k
2020: €858k
2021: €1.14M
2022: €971k
2023: €1.13M
2024: €1.18M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.13M-€1.26M▲ 10.7%€1.33M▲ 6.0%€1.28M▼ 3.6%€1.11M▼ 13.5%
Operating result€383k-€29k▼ 92.5%€95k▲ 230%€251k▲ 165%€227k▼ 9.6%
Net result€5k-€121k▲ 2,328%€75k▼ 38.0%€234k▲ 211%€190k▼ 18.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.22M
Fixed assets
€86k▼ 16.3%
Current assets
€1.13M▼ 9.9%
Equity and liabilities €1.22M
Equity
€1.11M▼ 13.5%
Debt
€108k▲ 41.4%
The debt ratio rises from 5.6% to 8.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€257k▼
2024 · €348k
Cash flow
€219k▼
2024 · €330k
Solvency
91.1%▼
2024 · 94.4%
Current ratio
10.47▼
2024 · 16.44
Quick ratio
10.47▼
2024 · 16.44
Debt / equity
0.10▲
2024 · 0.06
ROE
17.1%▼
2024 · 18.2%
ROA
15.6%▼
2024 · 17.2%
Interest coverage
819.55▲
2024 · 681.24
Debt
€108k▲
2024 · €76k
Debt ≤ 1 year
€108k▲
2024 · €76k
Income taxes
€75k▼
2024 · €94k
Staff costs
€117k▼
2024 · €121k
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€1.36M€1.22M▼
Fixed assets21/28€103k€86k▼
Intangible fixed assets21€113€0▼
Tangible fixed assets22/27€74k€59k▼
Plant, machinery and equipment23€17k€15k▼
Furniture and vehicles24€16k€561▼
Other tangible fixed assets26€41k€43k▲
Financial fixed assets28€29k€28k▼
Current assets29/58€1.26M€1.13M▼
Amounts receivable after more than one year29€265k-
Other amounts receivable291€265k-
Amounts receivable within one year40/41€213k€269k▲
Trade receivables40€107k€221k▲
Other amounts receivable41€106k€47k▼
Cash at bank and in hand54/58€778k€862k▲
Deferred charges and accrued income490/1€621€743▲
Equity and liabilities
Total equity and liabilities10/49€1.36M€1.22M▼
Equity10/15€1.28M€1.11M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.22M€1.05M▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€811€811=
Distributable reserves133€1.21M€1.04M▼
Amounts payable17/49€76k€108k▲
Amounts payable within one year42/48€76k€108k▲
Trade debts44€44k€59k▲
Suppliers440/4€44k€59k▲
Taxes, remuneration and social security45€33k€49k▲
Taxes450/3€17k€33k▲
Remuneration and social security454/9€15k€16k▲
Other amounts payable47/48€9€503▲
Income statement
Code20242025
Non-recurring operating income76A€42k€31k▼
Remuneration, social security and pensions62€121k€117k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€96k€30k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-402€-2k▼
Other operating charges640/8€3k€6k▲
Non-recurring operating charges66A-€8
Gross operating margin9900€471k€377k▼
Operating profit (loss)9901€251k€227k▼
Financial income75/76B€77k€37k▼
Recurring financial income75€77k€37k▼
Financial charges65/66B€510€314▼
Recurring financial charges65€510€314▼
Profit (loss) for the period before taxes9903€328k€265k▼
Income taxes67/77€94k€75k▼
Profit (loss) for the period9904€234k€190k▼
Profit (loss) for the period to be appropriated9905€234k€190k▼
Appropriation of the result
Profit (loss) to be appropriated9906€234k€190k▼
Transfer from equity791/2€282k€363k▲
Transfer to equity691/2€234k€190k▼
To other reserves6921€234k€190k▼
Profit to be distributed694/7€282k€363k▲
Return on contributions (dividend)694€282k€363k▲
Social balance
Average headcount (FTE)90871.6-
The notes to these accounts (12 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €234k ▲211%
Net result €234k, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 16.44
Current ratio from 4.66 to 16.44; short-term debt falls from €309k to €76k.
11-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Weakest financial yearnet €5k ▼95.6%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Equity above €1MEq €1.02M ▲9.3%
2 profitable years in a row build equity to €1.02M.
05-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Dendermonde · 1 establishment unit since 1977
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.
Heirbaan (STG) 1299200 DendermondeGround area
3,403 m²
Building footprint
646 m²
Volume, LiDAR
3,802 m³
Parcel 42021B0169/00A002, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VERKEERSSCHOOL
since 19772.013.879.653
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42021B0169/00A002 | Flanders | 3,403 m² | 1 · 645 m² | 9.9 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
AUTO ECOLE HUY MOTOR
BE 0467.191.194
Huy · Eq €1.10M
MERCATOR
BE 0437.666.968
Leuven · Eq €1.04M
De Turnhoutse Autorijschool
BE 0404.139.513
Turnhout · Eq €1.02M
A.B. ECOLE DE CONDUITE DE SCHAERBEEK
BE 0431.641.189
Schaarbeek · Eq €996k
PFR FORMATIONS
BE 0676.448.108
Malmedy · Eq €942k
Of 1,034 companies in sector 85531 we hold annual accounts for 345. 122 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-09-1977
Fiscal year end31-12
Activities, NACEBEL
85531Driving schools for cars and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.