JSB
ActiveJSB has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €458k and a net result of €70k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 13826 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-11
Solvency100=
Growth78=
Stability94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 22.27 against 16.26 in 2024), and 4.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
95.7%
Return on assets
14.6%
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 03-06-2026, 58 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
58 d early
2024
72 d early
2023
22 d early
2022
21 d early
2021
30 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
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€458k▲ 18.0%
2024 · €388k
2021: €50k
2022: €253k
2023: €320k
2024: €388k
2021 → 2025
Total assets
€478k▲ 16.4%
2024 · €411k
2021: €63k
2022: €285k
2023: €349k
2024: €411k
2021 → 2025
Net result
€70k▲ 3.3%
2024 · €68k
2021: €45k
2022: €203k
2023: €67k
2024: €68k
2021 → 2025
Working capital
€430k▲ 23.4%
2024 · €348k
2021: €45k
2022: €242k
2023: €266k
2024: €348k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€253k▲ 408%€320k▲ 26.6%€388k▲ 21.2%€458k▲ 18.0%
Operating result€63k-€294k▲ 365%€92k▼ 68.6%€93k▲ 0.5%€95k▲ 2.6%
Net result€45k-€203k▲ 354%€67k▼ 66.9%€68k▲ 0.9%€70k▲ 3.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €478k
Fixed assets
€28k▼ 29.3%
Current assets
€450k▲ 21.2%
Equity and liabilities €478k
Equity
€458k▲ 18.0%
Debt
€20k▼ 11.9%
The debt ratio falls from 5.6% to 4.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€109k▲
2024 · €107k
Cash flow
€84k▲
2024 · €82k
Solvency
95.7%▲
2024 · 94.4%
Current ratio
22.27▲
2024 · 16.26
Quick ratio
22.27▲
2024 · 16.26
Debt / equity
0.04▼
2024 · 0.06
ROE
15.3%▼
2024 · 17.5%
ROA
14.6%▼
2024 · 16.5%
Interest coverage
666.36▲
2024 · 571.10
Debt
€20k▼
2024 · €23k
Debt ≤ 1 year
€20k▼
2024 · €23k
Income taxes
€28k▲
2024 · €28k
Staff costs
€47k▲
2024 · €45k
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€411k€478k▲
Fixed assets21/28€40k€28k▼
Tangible fixed assets22/27€40k€28k▼
Plant, machinery and equipment23€341€2k▲
Furniture and vehicles24€39k€26k▼
Current assets29/58€371k€450k▲
Amounts receivable within one year40/41€36k€223k▲
Trade receivables40€24k€18k▼
Other amounts receivable41€12k€206k▲
Cash at bank and in hand54/58€331k€222k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€411k€478k▲
Equity10/15€388k€458k▲
Contributions10/11€5k€5k=
Reserves13€383k€453k▲
Distributable reserves133€383k€453k▲
Amounts payable17/49€23k€20k▼
Amounts payable within one year42/48€23k€20k▼
Trade debts44€327€853▲
Suppliers440/4€327€853▲
Taxes, remuneration and social security45€22k€19k▼
Taxes450/3€17k€7k▼
Remuneration and social security454/9€5k€12k▲
Other amounts payable47/48€27€36▲
Accrued charges and deferred income492/3€300€176▼
Income statement
Code20242025
Remuneration, social security and pensions62€45k€47k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€589€608▲
Gross operating margin9900€153k€156k▲
Operating profit (loss)9901€93k€95k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€188€163▼
Recurring financial charges65€188€163▼
Profit (loss) for the period before taxes9903€95k€98k▲
Income taxes67/77€28k€28k▲
Profit (loss) for the period9904€68k€70k▲
Profit (loss) for the period to be appropriated9905€68k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€70k▲
Transfer to equity691/2€68k€70k▲
To other reserves6921€68k€70k▲
The notes to these accounts (5 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €203k ▲354%
Operating result €294k, net result €203k, both a record.
31-12
Financial
Equity above €200kEq €253k ▲408%
2 profitable years in a row build equity to €253k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Zemst · 1 establishment unit since 2020
Ground area
707 m²
Building footprint
137 m²
Volume, LiDAR
795 m³
Parcel 23020B0193/00P004, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JSB
since 20202.309.484.381
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23020B0193/00P004 | Flanders | 707 m² | 1 · 137 m² | 8.0 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.
Similar companies · same sector, comparable size
Suco Trade
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VanTruy
BE 0699.772.351
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BK RED
BE 0795.930.431
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Civitas Projects
BE 0724.682.842
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MAVIBO
BE 0456.563.855
Turnhout · Eq €457k
Of 9,639 companies in sector 68121 we hold annual accounts for 7,325. 4,772 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2020
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
41001General construction of residential buildings
64200Holdings
64210Activities of holding companies
71121Engineering and related technical consultancy, excluding land surveyors
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.