JPS-60 is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €5.13M and a net result of €1.18M. Equity is growing by ~39.5% per year across the filed fiscal years. Its solvency ranks better than 61% of 5498 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 17-07-2026, 14 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
14 d early
2024
48 d early
2023
12 d late
2022
9 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, abbreviated schema
Equity
€5.13M▲ 29.8%
2024 · €3.95M
2022: €1.33M
2023: €2.54M
2024: €3.95M
2022 → 2025
Net result
€1.18M▼ 16.7%
2024 · €1.42M
2022: €1.33M
2023: €1.21M
2024: €1.42M
2022 → 2025
Total assets
€8.13M▲ 58.5%
2024 · €5.13M
2022: €3.40M
2023: €4.01M
2024: €5.13M
2022 → 2025
Solvency
63.1%▼ 13.9pp
2024 · 77.0%
2022: 39.1%
2023: 63.3%
2024: 77.0%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€1.33M-€2.54M▲ 90.8%€3.95M▲ 55.8%€5.13M▲ 29.8%
Operating result€1.81M-€1.64M▼ 9.6%€1.89M▲ 15.1%€1.59M▼ 15.9%
Net result€1.33M-€1.21M▼ 9.1%€1.42M▲ 17.3%€1.18M▼ 16.7%
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 16% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.13M
Fixed assets
€7.01M▲ 118%
Current assets
€1.12M▼ 41.5%
Equity and liabilities €8.13M
Equity
€5.13M▲ 29.8%
Debt
€3.00M▲ 155%
The debt ratio rises from 23.0% to 36.9%. Equity and debt are higher.
Key figures and ratios
Solvency
63.1%▼
2024 · 77.0%
ROE
23.0%▼
2024 · 35.8%
ROA
14.5%▼
2024 · 27.6%
Debt
€3.00M▲
2024 · €1.18M
Debt ≤ 1 year
€402k▼
2024 · €578k
Debt > 1 year
€2.60M▲
2024 · €600k
Income taxes
€393k▼
2024 · €448k
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€5.13M€8.13M▲
Fixed assets21/28€3.21M€7.01M▲
Financial fixed assets28€3.21M€7.01M▲
Current assets29/58€1.92M€1.12M▼
Amounts receivable within one year40/41€1.20M€957k▼
Trade receivables40€1.20M€900k▼
Other amounts receivable41-€57k
Cash at bank and in hand54/58€721k€167k▼
Equity and liabilities
Total equity and liabilities10/49€5.13M€8.13M▲
Equity10/15€3.95M€5.13M▲
Contributions10/11€3k€3k=
Reserves13€3.95M€5.13M▲
Distributable reserves133€3.95M€5.13M▲
Amounts payable17/49€1.18M€3.00M▲
Amounts payable after more than one year17€600k€2.60M▲
Financial debts170/4€600k€200k▼
Other amounts payable178/9-€2.40M
Amounts payable within one year42/48€578k€402k▼
Current portion of amounts payable after more than one year42€400k€400k=
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45€176k€0▼
Taxes450/3€176k€0▼
Other amounts payable47/48€2k€2k=
Income statement
Code20242025
Other operating charges640/8€2k€1k▼
Gross operating margin9900€1.89M€1.59M▼
Operating profit (loss)9901€1.89M€1.59M▼
Financial income75/76B€60€0▼
Recurring financial income75€60€0▼
Financial charges65/66B€22k€15k▼
Recurring financial charges65€22k€15k▼
Profit (loss) for the period before taxes9903€1.86M€1.57M▼
Income taxes67/77€448k€393k▼
Profit (loss) for the period9904€1.42M€1.18M▼
Profit (loss) for the period to be appropriated9905€1.42M€1.18M▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.42M€1.18M▼
Transfer to equity691/2€1.42M€1.18M▼
To other reserves6921€1.42M€1.18M▼
The notes to these accounts (10 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €1.18M ▼16.7%
Net result drops to €1.18M, the lowest in the series.
31-12
Financial
Equity above €5MEq €5.13M ▲29.8%
4 profitable years in a row build equity to €5.13M.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2022net €1.42M ▲17.3%
Operating result €1.89M, net result €1.42M, both a record.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 12 days late
2023
31-12
Financial
Equity above €2MEq €2.54M ▲90.8%
2 profitable years in a row build equity to €2.54M.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 9 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, Waasmunster · 1 establishment unit since 2022
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.
Nijverheidslaan 2239250 WaasmunsterGround area
4,512 m²
Building footprint
294 m²
Volume, LiDAR
1,598 m³
Parcel 42023B1095/00F000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JPS-60
since 20222.332.343.422
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42023B1095/00F000 | Flanders | 4,512 m² | 1 · 294 m² | 9.0 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 24,726 companies in sector 64210 we hold annual accounts for 19,747. 8,059 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82990Other business support services
85599Other education
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.