JSB Esthetic
ActiveJSB Esthetic has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €205k and a net result of €54k. Equity is growing by ~33.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+4
Solvency100▲+11
Growth52=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 8.37 against 2.84 in 2024; short-term debt: 11.8% and cash: 49.3% of total assets), and 11.8% 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
88.2%
Return on assets
23.2%
Age of the figures
9 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 30-04-2026, 92 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
92 d early
2024
21 d early
2023
29 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€205k▲ 35.6%
2024 · €151k
2023: €105k
2024: €151k
2023 → 2025
Total assets
€232k▼ 0.8%
2024 · €234k
2023: €157k
2024: €234k
2023 → 2025
Net result
€54k▲ 14.2%
2024 · €47k
2023: €103k
2024: €47k
2023 → 2025
Working capital
€203k▲ 34.3%
2024 · €151k
2023: €106k
2024: €151k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€105k-€151k▲ 44.1%€205k▲ 35.6%
Operating result€132k-€67k▼ 49.2%€76k▲ 13.6%
Net result€103k-€47k▼ 54.1%€54k▲ 14.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 14% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €232k
Fixed assets
€2k▲ 65.0%
Current assets
€230k▼ 1.2%
Equity and liabilities €232k
Equity
€205k▲ 35.6%
Debt
€27k▼ 67.0%
The debt ratio falls from 35.5% to 11.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€77k▲
2024 · €67k
Cash flow
€55k▲
2024 · €47k
Solvency
88.2%▲
2024 · 64.5%
Current ratio
8.37▲
2024 · 2.84
Quick ratio
8.37▲
2024 · 2.84
Debt / equity
0.13▼
2024 · 0.55
ROE
26.3%▼
2024 · 31.2%
ROA
23.2%▲
2024 · 20.1%
Interest coverage
11.55▲
2024 · 10.01
Debt
€27k▼
2024 · €83k
Debt ≤ 1 year
€27k▼
2024 · €82k
Income taxes
€16k▲
2024 · €13k
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€234k€232k▼
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€2k▲
Furniture and vehicles24€1k€2k▲
Current assets29/58€233k€230k▼
Amounts receivable within one year40/41€138k€112k▼
Trade receivables40€138k€112k▼
Other amounts receivable41-€356
Cash at bank and in hand54/58€93k€115k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€234k€232k▼
Equity10/15€151k€205k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€148k€202k▲
Amounts payable17/49€83k€27k▼
Amounts payable within one year42/48€82k€27k▼
Trade debts44€24k€4k▼
Suppliers440/4€24k€4k▼
Taxes, remuneration and social security45€49k€23k▼
Taxes450/3€49k€23k▼
Other amounts payable47/48€9k€0▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€116€697▲
Other operating charges640/8€903€1k▲
Non-recurring operating charges66A€292-
Gross operating margin9900€68k€78k▲
Operating profit (loss)9901€67k€76k▲
Financial income75/76B€0€97▲
Recurring financial income75€0€97▲
Financial charges65/66B€7k€7k▼
Recurring financial charges65€7k€7k▼
Profit (loss) for the period before taxes9903€60k€69k▲
Income taxes67/77€13k€16k▲
Profit (loss) for the period9904€47k€54k▲
Profit (loss) for the period to be appropriated9905€47k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€149k€202k▲
Profit (loss) brought forward from the previous period14P€102k€148k▲
Profit to be distributed694/7€859-
Return on contributions (dividend)694€859-
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 8.37
Current ratio from 2.84 to 8.37; short-term debt falls from €82k to €27k.
31-12
Financial
Equity above €200kEq €205k ▲35.6%
3 profitable years in a row build equity to €205k.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €47k ▼54.1%
Net result drops to €47k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €151k ▲44.1%
2 profitable years in a row build equity to €151k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 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, Perwez · 2 establishment units since 2023
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.
Rue du Prieuré 651360 PerwezGround area
4,000 m²
Building footprint
244 m²
Volume, LiDAR
1,720 m³
3 parcels, Wallonia · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
JSB Esthetic
since 20232.346.447.816
JSB Esthetic
since 20232.346.447.915
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25060B0095/00G002 | Wallonia | 1,855 m² | 1 · 64 m² | 9.3 m · 3 fl. |
| 25060B0095/00H002 | Wallonia | 1,614 m² | 1 · 86 m² | - |
| 61031B0038/00H000 | Wallonia | 532 m² | 1 · 94 m² | 14.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,973. 6,673 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-2023
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.