JSJ Xpress
ActiveJSJ Xpress has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €-6k. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 60% of 4122 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2023
Profitability7▼-18
Solvency74▼-26
Growth35▼-17
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 2.22 in 2023), and 54.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
45.4%
Return on assets
-11.8%
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-09-2026, 42 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
42 d late
2023
5 d late
2021
6 d early
2019
11 d late
2017
131 d early
2016
234 d late
2015
51 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€263k▼ 5.6%
2023 · €278k
2019: €487k
2021: €159k
2023: €278k
2019 → 2025
EBIT margin
-1.3%▼ 1.8pp
2023 · 0.6%
2019: 0.4%
2021: -4.8%
2023: 0.6%
2019 → 2025
Net result
€-6k
2023 · €2k
2019: €2k
2021: €-9k
2023: €2k
2019 → 2025
Working capital
€7k▼ 20.5%
2023 · €8k
2019: €-1k
2021: €6k
2023: €8k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2019202120232025Trend
Turnover€487k-€159k▼ 67.3%€278k▲ 74.3%€263k▼ 5.6%
Equity€14k-€-4k€23k€22k▼ 7.7%
Operating result€2k-€-8k€2k€-3k
Net result€2k-€-9k€2k€-6k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €2k in 2023.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Equity and liabilities €47k
Equity
€22k▼ 7.7%
Debt
€26k▲ 285%
The debt ratio rises from 22.4% to 54.6%: debt grows while equity shrinks.
Key figures and ratios
Solvency
45.4%▼
2023 · 77.6%
Current ratio
1.25▼
2023 · 2.22
Quick ratio
0.70▲
2023 · 0.23
Debt / equity
1.20▲
2023 · 0.29
ROE
-26.1%▼
2023 · 8.5%
ROA
-11.8%▼
2023 · 6.6%
Debt
€26k▲
2023 · €7k
Debt ≤ 1 year
€26k▲
2023 · €7k
Staff costs
€879▼
2023 · €2k
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 2023
Balance sheet
Code20232025
Assets
Total assets20/58€30k€47k▲
Formation expenses20€15k€15k=
Fixed assets21/28€126-
Tangible fixed assets22/27€126-
Plant, machinery and equipment23€126-
Current assets29/58€15k€32k▲
Stocks and contracts in progress3€13k€14k▲
Stocks30/36€13k€14k▲
Amounts receivable within one year40/41€0€17k▲
Trade receivables40€0€15k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€30k€47k▲
Equity10/15€23k€22k▼
Contributions10/11€20k€35k▲
Capital10-€20k
Issued capital100-€20k
Outside capital11-€15k
Other1109/19-€15k
Reserves13€25k-
Non-distributable reserves130/1€25k-
Other1319€25k-
Profit (loss) carried forward14€-22k€-13k▲
Amounts payable17/49€7k€26k▲
Amounts payable within one year42/48€7k€26k▲
Trade debts44€3k€8k▲
Suppliers440/4€3k€8k▲
Taxes, remuneration and social security45€762-
Taxes450/3€762-
Other amounts payable47/48€3k€18k▲
Income statement
Code20232025
Turnover70€278k€263k▼
Goods, raw materials, services and sundry goods60/61€274k€264k▼
Remuneration, social security and pensions62€2k€879▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€126-
Other operating charges640/8€614€1k▲
Gross operating margin9900€4k€-1k▼
Operating profit (loss)9901€2k€-3k▼
Financial income75/76B€434-
Recurring financial income75€434-
Financial charges65/66B-€2k
Recurring financial charges65-€2k
Profit (loss) for the period before taxes9903€2k€-6k▼
Profit (loss) for the period9904€2k€-6k▼
Profit (loss) for the period to be appropriated9905€2k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€-13k▲
Profit (loss) brought forward from the previous period14P€-24k€-8k▲
The notes to these accounts (3 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
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 42 days late
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 5 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-9k ▼668%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 2.38
Current ratio from 0.84 to 2.38; short-term debt falls from €9k to €4k.
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2018
22-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
22-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 234 days late
2016
10-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Zoutleeuw · 2 establishment units since 2013
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.
Grote Steenweg 1643440 ZoutleeuwGround area
518 m²
Building footprint
252 m²
Volume, LiDAR
1,208 m³
2 parcels, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
JSJ Xpress
since 20132.217.120.882
JSJ Xpress
since 20132.217.120.981
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24021A0336/06D000 | Flanders | 388 m² | 1 · 190 m² | 6.6 m · 1 fl. |
| 24036D0041/00K002 | Flanders | 130 m² | 1 · 62 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesZoutleeuw2.217.120.882
Zoutleeuw2.217.120.981
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SNS
BE 0670.770.341
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NOOREXPRESS SHOP
BE 0692.537.933
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MARSICO
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Of 10,411 companies in sector 47110 we hold annual accounts for 5,787. 4,149 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-2013
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.