JPZ Value Holding
ActiveJPZ Value Holding has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €110k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 15% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency30▲+5
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.01 in 2024), but 92.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
7.2%
Return on assets
25.4%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 31523 sector peers (2025).
NBB · sector comparisonPosition among 31523 sector peers
Solvency
better than 15%
← weakest
strongest →
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 28-05-2026, 64 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
64 d early
2024
188 d early
2023
30 d late
2022
30 d late
2021
31 d late
2020
38 d early
2019
32 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€110k▼ 66.8%
2024 · €332k
2018: €17k
2019: €10k
2020: €14k
2021: €67k
2022: €69k
2023: €213k
2024: €332k
2018 → 2025
Working capital
€129k▲ 1,907%
2024 · €6k
2018: €56k
2019: €62k
2020: €74k
2021: €142k
2022: €7k
2023: €110k
2024: €6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€147k-€106k▼ 28.1%€209k▲ 97.6%€111k▼ 47.1%€31k▼ 71.7%
Operating result€82k-€102k▲ 24.1%€148k▲ 45.6%€146k▼ 1.2%€121k▼ 17.2%
Net result€67k-€69k▲ 2.5%€213k▲ 211%€332k▲ 55.5%€110k▼ 66.8%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €434k
Fixed assets
€102k▼ 1.8%
Current assets
€331k▼ 25.4%
Equity and liabilities €434k
Equity
€31k▼ 71.7%
Debt
€402k▼ 8.1%
The debt ratio rises from 79.8% to 92.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€123k▼
2024 · €147k
Cash flow
€112k▼
2024 · €333k
Solvency
7.2%▼
2024 · 20.2%
Current ratio
1.64▲
2024 · 1.01
Quick ratio
1.64▲
2024 · 1.01
Debt / equity
12.82▲
2024 · 3.95
ROE
350.9%▲
2024 · 299.6%
ROA
25.4%▼
2024 · 60.5%
Interest coverage
-33.06▼
2024 · 4.49
Debt
€402k▼
2024 · €438k
Debt ≤ 1 year
€202k▼
2024 · €438k
Debt > 1 year
€200k
Income taxes
€37k▼
2024 · €41k
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€548k€434k▼
Fixed assets21/28€104k€102k▼
Tangible fixed assets22/27€8k€6k▼
Furniture and vehicles24€8k€6k▼
Financial fixed assets28€96k€96k=
Current assets29/58€444k€331k▼
Amounts receivable within one year40/41€6k€23k▲
Trade receivables40€6k€3k▼
Other amounts receivable41€193€20k▲
Current investments50/53€284k€226k▼
Cash at bank and in hand54/58€153k€78k▼
Deferred charges and accrued income490/1€750€4k▲
Equity and liabilities
Total equity and liabilities10/49€548k€434k▼
Equity10/15€111k€31k▼
Contributions10/11€31k€31k=
Profit (loss) carried forward14€79k€0▼
Amounts payable17/49€438k€402k▼
Amounts payable after more than one year17-€200k
Other amounts payable178/9-€200k
Amounts payable within one year42/48€438k€202k▼
Trade debts44€6k€9k▲
Suppliers440/4€6k€9k▲
Taxes, remuneration and social security45€399€0▼
Taxes450/3€399€0▼
Other amounts payable47/48€431k€193k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€387€400▲
Gross operating margin9900€148k€123k▼
Operating profit (loss)9901€146k€121k▼
Financial income75/76B€259k€22k▼
Recurring financial income75€259k€22k▼
Financial charges65/66B€33k€-4k▼
Recurring financial charges65€33k€-4k▼
Profit (loss) for the period before taxes9903€372k€147k▼
Income taxes67/77€41k€37k▼
Profit (loss) for the period9904€332k€110k▼
Profit (loss) for the period to be appropriated9905€332k€110k▼
Appropriation of the result
Profit (loss) to be appropriated9906€509k€189k▼
Profit (loss) brought forward from the previous period14P€178k€79k▼
Profit to be distributed694/7€430k€189k▼
Return on contributions (dividend)694€430k€189k▼
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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €332k ▲55.5%
Net result €332k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Equity above €200kEq €209k ▲97.6%
6 profitable years in a row build equity to €209k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €147k ▲83.5%
4 profitable years in a row build equity to €147k.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity times 13current ratio 290.31
Current ratio from 22.45 to 290.31; short-term debt falls from €3k to €257.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €10k ▼40.7%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Herve · 1 establishment unit since 2017
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.
Renouprez 8924654 HerveGround area
994 m²
Building footprint
192 m²
Volume, LiDAR
1,361 m³
Parcel 63015A0949/00E000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JPZ Value Holding
since 20172.263.547.458
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63015A0949/00E000 | Wallonia | 994 m² | 1 · 192 m² | 8.6 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500C074A42AM76B39
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 34,641 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.