JSB Belgium
ActiveJSB Belgium has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €495k and a net result of €230k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 8589 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency6▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.24 against 0.21 in 2024), and 91.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
8.3%
Return on assets
3.9%
Age of the figures
8 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 8589 sector peers (2025).
NBB · sector comparisonPosition among 8589 sector peers
Solvency
better than 14%
← weakest
strongest →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €495k
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
29 d late
2023
8 d late
2022
30 d late
2021
4 d early
2020
30 d late
2019
46 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€495k▲ 86.4%
2024 · €266k
2018: €-40k
2019: €-47k
2020: €-47k
2021: €-70k
2022: €69k
2023: €195k
2024: €266k
2018 → 2025
Total assets
€5.93M▼ 3.3%
2024 · €6.14M
2018: €217k
2019: €5k
2020: €5k
2021: €3.29M
2022: €7.10M
2023: €6.22M
2024: €6.14M
2018 → 2025
Net result
€230k▲ 223%
2024 · €71k
2018: €-26k
2019: €-26k
2020: €-10k
2021: €-25k
2022: €151k
2023: €126k
2024: €71k
2018 → 2025
Working capital
€-1.72M▲ 5.7%
2024 · €-1.83M
2018: €-142k
2019: €-47k
2020: €-47k
2021: €-1.89M
2022: €-4.78M
2023: €-1.93M
2024: €-1.83M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-70k-€69k€195k▲ 181%€266k▲ 36.5%€495k▲ 86.4%
Operating result€-20k-€188k€271k▲ 43.7%€253k▼ 6.6%€434k▲ 71.8%
Net result€-25k-€151k€126k▼ 17.0%€71k▼ 43.4%€230k▲ 223%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 72% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.93M
Fixed assets
€5.39M▼ 4.6%
Current assets
€546k▲ 10.5%
Equity and liabilities €5.93M
Equity
€495k▲ 86.4%
Debt
€5.44M▼ 7.4%
The debt ratio falls from 95.7% to 91.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€692k▲
2024 · €510k
Cash flow
€487k▲
2024 · €328k
Solvency
8.3%▲
2024 · 4.3%
Current ratio
0.24▲
2024 · 0.21
Quick ratio
0.24▲
2024 · 0.21
Debt / equity
10.98▼
2024 · 22.10
ROE
46.3%▲
2024 · 26.7%
ROA
3.9%▲
2024 · 1.2%
Interest coverage
5.39▲
2024 · 3.23
Debt
€5.44M▼
2024 · €5.87M
Debt ≤ 1 year
€2.27M▼
2024 · €2.32M
Debt > 1 year
€3.17M▼
2024 · €3.46M
Income taxes
€77k▲
2024 · €24k
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€6.14M€5.93M▼
Fixed assets21/28€5.65M€5.39M▼
Tangible fixed assets22/27€5.65M€5.39M▼
Land and buildings22€5.65M€5.39M▼
Current assets29/58€495k€546k▲
Amounts receivable within one year40/41€354k€323k▼
Trade receivables40€74k€4k▼
Other amounts receivable41€281k€319k▲
Cash at bank and in hand54/58€140k€223k▲
Equity and liabilities
Total equity and liabilities10/49€6.14M€5.93M▼
Equity10/15€266k€495k▲
Contributions10/11€6k€6k=
Reserves13€260k€489k▲
Distributable reserves133€260k€489k▲
Amounts payable17/49€5.87M€5.44M▼
Amounts payable after more than one year17€3.46M€3.17M▼
Financial debts170/4€3.46M€3.17M▼
Amounts payable within one year42/48€2.32M€2.27M▼
Current portion of amounts payable after more than one year42€297k€297k=
Financial debts43€17k€13k▼
Credit institutions430/8€17k€13k▼
Trade debts44€250k€218k▼
Suppliers440/4€250k€218k▼
Taxes, remuneration and social security45€36k€20k▼
Taxes450/3€36k€20k▼
Other amounts payable47/48€1.72M€1.72M=
Accrued charges and deferred income492/3€87k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€257k€257k=
Other operating charges640/8€32k€34k▲
Gross operating margin9900€542k€725k▲
Operating profit (loss)9901€253k€434k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€158k€128k▼
Recurring financial charges65€158k€128k▼
Profit (loss) for the period before taxes9903€95k€306k▲
Income taxes67/77€24k€77k▲
Profit (loss) for the period9904€71k€230k▲
Profit (loss) for the period to be appropriated9905€71k€230k▲
Appropriation of the result
Profit (loss) to be appropriated9906€71k€230k▲
Transfer to equity691/2€71k€230k▲
To other reserves6921€71k€230k▲
Social balance
Average headcount (FTE)9087-0.0
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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €230k ▲223%
Operating result €434k, net result €230k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €200kEq €266k ▲36.5%
3 profitable years in a row build equity to €266k.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial
Equity above €150kEq €195k ▲181%
2 profitable years in a row build equity to €195k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €151k
Net result €151k after 4 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 46 days late
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · 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
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, Geel · 1 establishment unit since 2014
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.
Nieuwstraat 552440 GeelGround area
1,176 m²
Building footprint
461 m²
Volume, LiDAR
2,568 m³
Parcel 13008H0417/02B000, Flanders · tallest building 14.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JSB Belgium
since 20142.225.924.029
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13008H0417/02B000 | Flanders | 1,176 m² | 1 · 461 m² | 14.2 m · 1 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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ANN&LEON
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 34,610 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.