JUNIMA INVEST
ActiveJUNIMA INVEST has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.48M and a net result of €62k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 63% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71=
Solvency92▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity ample (current ratio 35.96 against 23.56 in 2024; short-term debt: 1.6% and cash: 53.6% of total assets), and 33.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
66.6%
Return on assets
1.7%
Age of the figures
9 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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
30 d late
2021
17 d late
2020
27 d late
2019
47 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.48M▲ 2.6%
2024 · €2.42M
2018: €460k
2019: €554k
2020: €637k
2021: €743k
2022: €2.26M
2023: €2.34M
2024: €2.42M
2018 → 2025
Total assets
€3.72M▲ 0.3%
2024 · €3.71M
2018: €3.39M
2019: €3.25M
2020: €3.10M
2021: €2.96M
2022: €4.28M
2023: €3.64M
2024: €3.71M
2018 → 2025
Net result
€62k▼ 16.2%
2024 · €74k
2018: €102k
2019: €94k
2020: €84k
2021: €106k
2022: €1.52M
2023: €84k
2024: €74k
2018 → 2025
Working capital
€2.03M▼ 14.8%
2024 · €2.38M
2018: €-191k
2019: €-194k
2020: €-199k
2021: €-191k
2022: €2.66M
2023: €2.24M
2024: €2.38M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€743k-€2.26M▲ 204%€2.34M▲ 3.7%€2.42M▲ 3.1%€2.48M▲ 2.6%
Operating result€179k-€2.05M▲ 1,049%€87k▼ 95.8%€40k▼ 53.7%€65k▲ 60.0%
Net result€106k-€1.52M▲ 1,332%€84k▼ 94.5%€74k▼ 12.4%€62k▼ 16.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 60% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.72M
Fixed assets
€1.63M▲ 33.9%
Current assets
€2.09M▼ 16.1%
Equity and liabilities €3.72M
Equity
€2.48M▲ 2.6%
Provisions
€483k▼ 0.3%
Debt
€758k▼ 5.9%
The debt ratio falls from 21.7% to 20.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€183k▲
2024 · €138k
Cash flow
€180k▲
2024 · €172k
Solvency
66.6%▲
2024 · 65.2%
Current ratio
35.96▲
2024 · 23.56
Quick ratio
35.96▲
2024 · 23.56
Debt / equity
0.31▼
2024 · 0.33
ROE
2.5%▼
2024 · 3.0%
ROA
1.7%▼
2024 · 2.0%
Interest coverage
8.62▲
2024 · 6.40
Debt
€758k▼
2024 · €806k
Debt ≤ 1 year
€58k▼
2024 · €106k
Debt > 1 year
€700k=
2024 · €700k
Income taxes
€26k▲
2024 · €25k
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€3.71M€3.72M▲
Fixed assets21/28€1.22M€1.63M▲
Tangible fixed assets22/27€1.22M€1.63M▲
Land and buildings22€1.22M€1.63M▲
Current assets29/58€2.49M€2.09M▼
Amounts receivable within one year40/41€72k€92k▲
Trade receivables40€32k€39k▲
Other amounts receivable41€40k€53k▲
Cash at bank and in hand54/58€2.42M€1.99M▼
Equity and liabilities
Total equity and liabilities10/49€3.71M€3.72M▲
Equity10/15€2.42M€2.48M▲
Contributions10/11€350k€350k=
Capital10€350k€350k=
Issued capital100€350k€350k=
Reserves13€1.49M€1.48M▼
Non-distributable reserves130/1€35k€35k=
Legal reserve130€35k€35k=
Tax-exempt reserves132€1.45M€1.45M▼
Profit (loss) carried forward14€579k€645k▲
Provisions and deferred taxes16€485k€483k▼
Deferred taxes168€485k€483k▼
Amounts payable17/49€806k€758k▼
Amounts payable after more than one year17€700k€700k=
Financial debts170/4€700k€700k=
Amounts payable within one year42/48€106k€58k▼
Financial debts43€25k€0▼
Credit institutions430/8€25k€0▼
Trade debts44€7k€10k▲
Suppliers440/4€7k€10k▲
Taxes, remuneration and social security45€19k€8k▼
Taxes450/3€19k€8k▼
Other amounts payable47/48€55k€40k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€98k€118k▲
Other operating charges640/8€7k€8k▲
Gross operating margin9900€146k€191k▲
Operating profit (loss)9901€40k€65k▲
Financial income75/76B€80k€43k▼
Recurring financial income75€80k€43k▼
Financial charges65/66B€22k€21k▼
Recurring financial charges65€22k€21k▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€98k€86k▼
Transfer from deferred taxes780€0€1k▲
Income taxes67/77€25k€26k▲
Profit (loss) for the period9904€74k€62k▼
Transfer from tax-exempt reserves789€0€4k▲
Profit (loss) for the period to be appropriated9905€74k€66k▼
Appropriation of the result
Profit (loss) to be appropriated9906€579k€645k▲
Profit (loss) brought forward from the previous period14P€505k€579k▲
Social balance
Average headcount (FTE)90870.0-
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €62k ▼16.2%
Net result drops to €62k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €1.52M ▲1332%
Operating result €2.05M, net result €1.52M, both a record.
31-12
Financial
Liquidity times 28current ratio 13.96
Current ratio from 0.50 to 13.96; short-term debt falls from €382k to €205k.
31-12
Financial
Equity above €2MEq €2.26M ▲204%
5 profitable years in a row build equity to €2.26M.
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 17 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 47 days late
2019
31-12
Financial
Equity above €500kEq €554k ▲20.3%
2 profitable years in a row build equity to €554k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Brasschaat · 1 establishment unit since 2010
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.
Bisschoppenhoflei 222930 BrasschaatGround area
6,477 m²
Building footprint
615 m²
Volume, LiDAR
4,462 m³
Parcel 11322E0092/00E002, Flanders · tallest building 12.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JUNIMA INVEST
since 20102.194.616.486
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11322E0092/00E002 | Flanders | 6,477 m² | 1 · 615 m² | 12.2 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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 17,756 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded08-12-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.