Summary
JTBio is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €61k and a net result of €43k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 58% of 9863 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
33 d early
2022
32 d early
2021
31 d early
2020
33 d early
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€61k▲ 44.5%
2023 · €42k
2018: €27k
2019: €33k
2020: €34k
2021: €49k
2022: €45k
2023: €42k
2018 → 2024
Net result
€43k▲ 103%
2023 · €21k
2018: €7k
2019: €5k
2020: €13k
2021: €13k
2022: €19k
2023: €21k
2018 → 2024
Total assets
€96k▲ 31.7%
2023 · €73k
2018: €55k
2019: €51k
2020: €60k
2021: €62k
2022: €78k
2023: €73k
2018 → 2024
Solvency
63.4%▲ 5.6pp
2023 · 57.8%
2018: 49.6%
2019: 64.3%
2020: 56.7%
2021: 78.5%
2022: 57.6%
2023: 57.8%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€0
Equity€34k-€49k▲ 44.2%€45k▼ 8.5%€42k▼ 6.4%€61k▲ 44.5%
Operating result€8k-€6k▼ 27.0%€7k▲ 14.5%€3k▼ 61.1%€5k▲ 84.5%
Net result€13k-€13k▼ 3.3%€19k▲ 52.5%€21k▲ 9.3%€43k▲ 103%
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 2024; 2024 is 85% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €96k
Fixed assets
€50k =
Current assets
€46k ▲ 102%
Equity and liabilities €96k
Equity
€61k ▲ 44.5%
Debt
€35k ▲ 14.2%
Debt's share of the balance-sheet total falls from 42.2% to 36.6%. Equity and debt are higher.
Key figures and ratios
ROE
71.0%▲
2023 · 50.6%
ROA
45.1%▲
2023 · 29.2%
Debt ≤ 1 year
€35k▲
2023 · €31k
Income taxes
€2k▲
2023 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€73k€96k▲
Fixed assets21/28€50k€50k=
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Financial fixed assets28€50k€50k=
Current assets29/58€23k€46k▲
Amounts receivable within one year40/41€7k€6k▼
Trade receivables40€7k€6k▼
Other amounts receivable41€0€0=
Cash at bank and in hand54/58€16k€18k▲
Deferred charges and accrued income490/1-€21k
Equity and liabilities
Total equity and liabilities10/49€73k€96k▲
Equity10/15€42k€61k▲
Contributions10/11€19k€19k=
Reserves13€23k€19k▼
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€22k€17k▼
Profit (loss) carried forward14€286€23k▲
Amounts payable17/49€31k€35k▲
Amounts payable within one year42/48€31k€35k▲
Trade debts44€243€2k▲
Suppliers440/4€243€2k▲
Taxes, remuneration and social security45€6k€9k▲
Taxes450/3€6k€9k▲
Remuneration and social security454/9€0€0=
Other amounts payable47/48€24k€24k▲
Income statement
Code20232024
Turnover70-€0
Goods, raw materials, services and sundry goods60/61-€0
Other operating charges640/8€384€387▲
Gross operating margin9900€3k€5k▲
Operating profit (loss)9901€3k€5k▲
Financial income75/76B€20k€40k▲
Recurring financial income75€20k€40k▲
Financial charges65/66B€156€150▼
Recurring financial charges65€156€150▼
Profit (loss) for the period before taxes9903€22k€45k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€21k€43k▲
Profit (loss) for the period to be appropriated9905€21k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€43k▲
Profit (loss) brought forward from the previous period14P€165€286▲
Transfer from equity791/2€6k€5k▼
Transfer to equity691/2€3k-
To the legal reserve6920€3k-
Profit to be distributed694/7€24k€24k▲
Return on contributions (dividend)694€24k€24k▲
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
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €43k ▲103%
Net result €43k, the highest in the series.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €5k ▼27.1%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Etalle · 1 establishment unit since 2016
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 de Habay,Vance 346741 EtalleGround area
493 m²
Building footprint
207 m²
Parcel 85041B0377/00G000, Wallonia. Linked by address, not a title deed.
1 establishment unit
JTBio
since 20162.252.992.967
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85041B0377/00G000 | Wallonia | 493 m² | 1 · 207 m² | - |
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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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 10,993 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0494/894318