JT JARDINS

Active

Private limited companyfounded 20206 yrs activeAvenue Theys (Emile) 39, 1410 Waterloo, BelgiumKBO/BCE: BE 0747.674.812

The computed 12-month bankruptcy probability of JT JARDINS is 2.8% (moderate). The 2025 annual accounts show equity of €17k and a net result of €-7k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 71% of 4422 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

53 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0=

Solvency85▼-5

Growth52=

Track record100

Bankruptcy probability, 12 months

2.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity ample (current ratio 3.5 against 5.92 in 2024; short-term debt: 13% and cash: 34% of total assets), and 39.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 81

Relative position

BE, all sectors

reference

Sector 81

higher

← fewer bankruptcies more bankruptcies →

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 2025

Solvency, return and age of the figures

Solvency

60.3%

Return on assets

-24.5%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

202122232425

2020 to 2025 · latest year €-7k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

4 d early

2024

18 d late

2023

1 d late

2022

21 d early

2021

19 d early

2020

27 d late

← before the deadline after the deadline →

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 months

Position in the running window

17-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Source amounts without an identifiable currency are assumed to be EUR.

Equity

€17k▼ 28.9%

2024 · €24k

2020: €8k 2021: €13k 2022: €27k 2023: €30k 2024: €24k

2020 → 2025

Total assets

€29k▼ 22.7%

2024 · €37k

2020: €10k 2021: €23k 2022: €38k 2023: €48k 2024: €37k

2020 → 2025

Net result

€-7k▼ 17.1%

2024 · €-6k

2020: €5k 2021: €4k 2022: €14k 2023: €3k 2024: €-6k

2020 → 2025

Working capital

€9k▼ 47.2%

2024 · €18k

2020: €8k 2021: €11k 2022: €23k 2023: €26k 2024: €18k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€13k-€27k▲ 116%€30k▲ 11.6%€24k▼ 19.8%€17k▼ 28.9%

Operating result€6k-€20k▲ 244%€5k▼ 74.4%€-4k€-5k▼ 19.1%

Net result€4k-€14k▲ 233%€3k▼ 78.4%€-6k€-7k▼ 17.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €5k in 2025 against €4k in 2024; the loss grows and 2025 has the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €29k

54.5%

45.5%

Fixed assets €16k▼ 1.4%

Current assets €13k▼ 38.6%

Equity and liabilities €29k

60.3%

39.7%

Equity €17k▼ 28.9%

Debt €11k▼ 11.0%

The debt ratio rises from 34.5% to 39.7%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-4k▼

2024 · €-3k

Cash flow

€-6k▼

2024 · €-5k

Solvency

60.3%▼

2024 · 65.5%

Current ratio

3.50▼

2024 · 5.92

Quick ratio

3.50▼

2024 · 5.92

Debt / equity

0.66▲

2024 · 0.53

ROE

-40.6%▼

2024 · -24.7%

ROA

-24.5%▼

2024 · -16.2%

Interest coverage

-2.18▼

2024 · -1.78

Debt

€11k▼

2024 · €13k

Debt ≤ 1 year

€4k▲

2024 · €4k

Debt > 1 year

€8k▼

2024 · €9k

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€37k€29k▼

Fixed assets21/28€16k€16k▼

Tangible fixed assets22/27€16k€16k▼

Land and buildings22€13k€13k=

Plant, machinery and equipment23€907€2k▲

Furniture and vehicles24€1k€728▼

Leasing and similar rights25€696€218▼

Current assets29/58€21k€13k▼

Amounts receivable within one year40/41€2k€98▼

Trade receivables40€2k€98▼

Cash at bank and in hand54/58€15k€10k▼

Deferred charges and accrued income490/1€5k€3k▼

Equity and liabilities

Total equity and liabilities10/49€37k€29k▼

Equity10/15€24k€17k▼

Contributions10/11€3k€3k=

Reserves13€13k€13k=

Distributable reserves133€13k€13k=

Profit (loss) carried forward14€8k€1k▼

Amounts payable17/49€13k€11k▼

Amounts payable after more than one year17€9k€8k▼

Financial debts170/4€9k€8k▼

Amounts payable within one year42/48€4k€4k▲

Current portion of amounts payable after more than one year42€2k€2k▲

Trade debts44€470€934▲

Suppliers440/4€470€934▲

Advances received on contracts in progress46-€170

Taxes, remuneration and social security45€2k€1k▼

Taxes450/3€1k€1k▼

Remuneration and social security454/9€149-

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲

Other operating charges640/8€161€420▲

Gross operating margin9900€-3k€-3k▼

Operating profit (loss)9901€-4k€-5k▼

Financial income75/76B€111€1▼

Recurring financial income75€111€1▼

Financial charges65/66B€2k€2k▲

Recurring financial charges65€2k€2k▲

Profit (loss) for the period before taxes9903€-6k€-7k▼

Profit (loss) for the period9904€-6k€-7k▼

Profit (loss) for the period to be appropriated9905€-6k€-7k▼

Appropriation of the result

Profit (loss) to be appropriated9906€8k€1k▼

Profit (loss) brought forward from the previous period14P€14k€8k▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 3Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

27-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €-7k

Net result drops to €-7k, the lowest in the series.

18-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 18 days late

2024

31-12

Financial Liquidity doublescurrent ratio 5.92

Current ratio from 2.43 to 5.92; short-term debt falls from €18k to €4k.

01-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 1 day late

2023

10-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Highest result since 2020net €14k ▲233%

Operating result €20k, net result €14k, both a record.

12-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

27-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 27 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Waterloo · 1 establishment unit since 2020

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.

Avenue Theys (Emile) 391410 Waterloo

1 establishment unit

JT JARDINS

Avenue Theys (Emile) 39, 1410 WaterlooSupport activities for crop production

since 20202.303.677.744

Similar companies · same sector, comparable size

GROEN DESIGN ROSKAMS

BE 0474.602.885

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DIMA SERVICES ET LOCATION

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Of 21,206 companies in sector 81300 we hold annual accounts for 4,358. 3,000 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded27-05-2020

Fiscal year end31-12

Activities, NACEBEL

81300Landscape service activities

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filings

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

E-mail:greenwish@outlook.be

Enterprise