JU & MI
ActiveJU & MI has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €416k and a net result of €94k. Equity is growing by ~30.4% per year across the filed fiscal years. Its solvency ranks better than 83% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▼-6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.97 against 3.58 in 2024; short-term debt: 23.9% and cash: 3.8% of total assets), and 25.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
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
74.9%
Return on assets
16.9%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
14 d early
2023
14 d early
2022
11 d early
2021
24 d early
2020
23 d early
2019
16 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€416k▲ 29.2%
2024 · €322k
2018: €61k
2019: €85k
2020: €122k
2021: €150k
2022: €188k
2023: €236k
2024: €322k
2018 → 2025
Total assets
€556k▲ 39.1%
2024 · €400k
2018: €101k
2019: €107k
2020: €164k
2021: €266k
2022: €272k
2023: €290k
2024: €400k
2018 → 2025
Net result
€94k▲ 9.2%
2024 · €86k
2018: €14k
2019: €24k
2020: €38k
2021: €28k
2022: €37k
2023: €49k
2024: €86k
2018 → 2025
Working capital
€262k▲ 31.1%
2024 · €200k
2018: €39k
2019: €54k
2020: €27k
2021: €41k
2022: €76k
2023: €127k
2024: €200k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€150k-€188k▲ 24.9%€236k▲ 26.0%€322k▲ 36.5%€416k▲ 29.2%
Operating result€43k-€58k▲ 36.6%€67k▲ 15.1%€135k▲ 101%€142k▲ 5.7%
Net result€28k-€37k▲ 35.2%€49k▲ 30.3%€86k▲ 76.9%€94k▲ 9.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €556k
Fixed assets
€161k▲ 31.4%
Current assets
€395k▲ 42.5%
Equity and liabilities €556k
Equity
€416k▲ 29.2%
Debt
€140k▲ 80.3%
The debt ratio rises from 19.4% to 25.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€156k▲
2024 · €143k
Cash flow
€108k▲
2024 · €94k
Solvency
74.9%▼
2024 · 80.6%
Current ratio
2.97▼
2024 · 3.58
Quick ratio
0.68▼
2024 · 1.06
Debt / equity
0.34▲
2024 · 0.24
ROE
22.6%▼
2024 · 26.7%
ROA
16.9%▼
2024 · 21.6%
Interest coverage
64.79▼
2024 · 87.26
Debt
€140k▲
2024 · €77k
Debt ≤ 1 year
€133k▲
2024 · €77k
Debt > 1 year
€7k
Income taxes
€46k▼
2024 · €47k
Staff costs
€180▼
2024 · €397
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€400k€556k▲
Fixed assets21/28€123k€161k▲
Intangible fixed assets21€0€3k▲
Tangible fixed assets22/27€123k€158k▲
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€1k€2k▲
Leasing and similar rights25€83k€120k▲
Other tangible fixed assets26€37k€33k▼
Current assets29/58€277k€395k▲
Stocks and contracts in progress3€195k€305k▲
Stocks30/36€195k€305k▲
Amounts receivable within one year40/41€26k€54k▲
Trade receivables40€19k€46k▲
Other amounts receivable41€8k€8k▲
Cash at bank and in hand54/58€40k€21k▼
Deferred charges and accrued income490/1€16k€15k▼
Equity and liabilities
Total equity and liabilities10/49€400k€556k▲
Equity10/15€322k€416k▲
Contributions10/11€12k€12k=
Reserves13€310k€404k▲
Distributable reserves133€310k€404k▲
Amounts payable17/49€77k€140k▲
Amounts payable after more than one year17-€7k
Financial debts170/4-€7k
Amounts payable within one year42/48€77k€133k▲
Current portion of amounts payable after more than one year42-€26k
Financial debts43€12k€0▼
Credit institutions430/8€12k€0▼
Trade debts44€20k€56k▲
Suppliers440/4€20k€56k▲
Taxes, remuneration and social security45€42k€50k▲
Taxes450/3€42k€50k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€3k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€397€180▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€14k▲
Other operating charges640/8€599€907▲
Gross operating margin9900€144k€157k▲
Operating profit (loss)9901€135k€142k▲
Financial income75/76B€447€293▼
Recurring financial income75€447€293▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€133k€140k▲
Income taxes67/77€47k€46k▼
Profit (loss) for the period9904€86k€94k▲
Profit (loss) for the period to be appropriated9905€86k€94k▲
Appropriation of the result
Profit (loss) to be appropriated9906€86k€94k▲
Transfer to equity691/2€86k€94k▲
To other reserves6921€86k€94k▲
The notes to these accounts (11 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €94k ▲9.2%
Operating result €142k, net result €94k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €236k ▲26%
6 profitable years in a row build equity to €236k.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €150k ▲22.6%
4 profitable years in a row build equity to €150k.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €122k ▲44.4%
3 profitable years in a row build equity to €122k.
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Deinze · 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.
Hulhage 89800 DeinzeGround area
1,599 m²
Building footprint
141 m²
Volume, LiDAR
788 m³
Parcel 44011A1075/00H000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JU & MI bvba
since 20162.253.074.923
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44011A1075/00H000 | Flanders | 1,599 m² | 1 · 141 m² | 6.9 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteDeinze2.253.074.923
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Of 237 companies in sector 47522 we hold annual accounts for 139. 88 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2016
Fiscal year end31-12
Activities, NACEBEL
47522Retail trade
46180Agents specialised in the wholesale of other particular products
46190Agents in non-specialised wholesale trade
46494Wholesale of non-electrical household articles
46499Wholesale of other household goods
47559Retail sale of other household articles
47599Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.