JURSTEP
ActiveThe computed 12-month bankruptcy probability of JURSTEP is 1.7% (moderate). The 2025 annual accounts show equity of €352k and a net result of €-16k. Equity is growing by ~24% per year across the filed fiscal years. Its solvency ranks better than 32% of 10310 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-15
Solvency47=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.98 against 1.05 in 2024; short-term debt: 64.2% and cash: 14.1% of total assets), and 78.3% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-05-2026, 29 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 · 6 filingsDeviation from the deadline
2025
29 d late
2024
on the day
2023
85 d early
2022
30 d late
2021
2 d late
2020
46 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€352k▼ 4.4%
2024 · €368k
2020: €95k
2021: €120k
2022: €217k
2023: €305k
2024: €368k
2020 → 2025
Total assets
€1.62M▼ 2.5%
2024 · €1.66M
2020: €1.06M
2021: €1.61M
2022: €1.71M
2023: €1.68M
2024: €1.66M
2020 → 2025
Net result
€-16k
2024 · €63k
2020: €77k
2021: €24k
2022: €98k
2023: €88k
2024: €63k
2020 → 2025
Working capital
€-24k
2024 · €57k
2020: €-55k
2021: €-279k
2022: €-167k
2023: €-42k
2024: €57k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€120k-€217k▲ 81.8%€305k▲ 40.4%€368k▲ 20.6%€352k▼ 4.4%
Operating result€56k-€136k▲ 141%€153k▲ 12.5%€147k▼ 3.8%€30k▼ 79.8%
Net result€24k-€98k▲ 300%€88k▼ 10.3%€63k▼ 28.4%€-16k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 80% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.62M
Fixed assets
€604k▲ 15.4%
Current assets
€1.02M▼ 10.7%
Equity and liabilities €1.62M
Equity
€352k▼ 4.4%
Debt
€1.27M▼ 1.9%
The debt ratio rises from 77.9% to 78.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€193k▼
2024 · €300k
Cash flow
€147k▼
2024 · €216k
Solvency
21.7%▼
2024 · 22.1%
Current ratio
0.98▼
2024 · 1.05
Quick ratio
0.29▼
2024 · 0.40
Debt / equity
3.61▲
2024 · 3.52
ROE
-4.6%▼
2024 · 17.1%
ROA
-1.0%▼
2024 · 3.8%
Interest coverage
4.18▼
2024 · 5.21
Debt
€1.27M▼
2024 · €1.29M
Debt ≤ 1 year
€1.04M▼
2024 · €1.08M
Debt > 1 year
€228k▲
2024 · €185k
Income taxes
€0▼
2024 · €27k
Staff costs
€573k▲
2024 · €493k
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€1.66M€1.62M▼
Fixed assets21/28€523k€604k▲
Intangible fixed assets21€74k€36k▼
Tangible fixed assets22/27€449k€568k▲
Plant, machinery and equipment23€441k€369k▼
Furniture and vehicles24€8k€5k▼
Leasing and similar rights25-€194k
Current assets29/58€1.14M€1.02M▼
Stocks and contracts in progress3€708k€713k▲
Stocks30/36€708k€713k▲
Amounts receivable within one year40/41€71k€23k▼
Trade receivables40€10k€0▼
Other amounts receivable41€61k€23k▼
Cash at bank and in hand54/58€331k€228k▼
Deferred charges and accrued income490/1€28k€53k▲
Equity and liabilities
Total equity and liabilities10/49€1.66M€1.62M▼
Equity10/15€368k€352k▼
Contributions10/11€60k€60k=
Reserves13€308k€292k▼
Distributable reserves133€308k€292k▼
Amounts payable17/49€1.29M€1.27M▼
Amounts payable after more than one year17€185k€228k▲
Financial debts170/4€185k€228k▲
Amounts payable within one year42/48€1.08M€1.04M▼
Current portion of amounts payable after more than one year42€99k€134k▲
Financial debts43€125k€99k▼
Credit institutions430/8€125k€99k▼
Trade debts44€662k€610k▼
Suppliers440/4€662k€610k▼
Taxes, remuneration and social security45€70k€73k▲
Taxes450/3€9k€3k▼
Remuneration and social security454/9€61k€70k▲
Other amounts payable47/48€125k€125k▼
Accrued charges and deferred income492/3€28k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€493k€573k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€153k€163k▲
Other operating charges640/8€74k€45k▼
Non-recurring operating charges66A€0€11k▲
Gross operating margin9900€867k€823k▼
Operating profit (loss)9901€147k€30k▼
Financial income75/76B€323€378▲
Recurring financial income75€323€378▲
Financial charges65/66B€58k€46k▼
Recurring financial charges65€58k€46k▼
Profit (loss) for the period before taxes9903€90k€-16k▼
Income taxes67/77€27k€0▼
Profit (loss) for the period9904€63k€-16k▼
Profit (loss) for the period to be appropriated9905€63k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€-16k▼
Transfer from equity791/2-€16k
Transfer to equity691/2€63k€0▼
To contributions691€63k€0▼
Social balance
Average headcount (FTE)908715.825.4▲
The notes to these accounts (16 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
30-09
Financial
Weakest financial yearnet €-16k ▼126%
Net result drops to €-16k, the lowest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
05-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
30-09
Financial
Highest result since 2020net €98k ▲300%
Net result €98k, the highest in the series.
30-09
Financial
Equity above €200kEq €217k ▲81.8%
3 profitable years in a row build equity to €217k.
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2021
30-09
Financial
Equity above €100kEq €120k ▲25.7%
2 profitable years in a row build equity to €120k.
15-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated 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, Gent · 1 establishment unit since 2019
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.
Pilorijnstraat 229000 GentGround area
89 m²
Building footprint
41 m²
Volume, LiDAR
241 m³
Parcel 44804D0056/00R000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JURSTEP
since 20192.292.723.771
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D0056/00R000 | Flanders | 89 m² | 1 · 41 m² | 9.2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.292.723.771
Similar companies · same sector, comparable size
GASTRO-KADO
BE 0458.430.710
Bree · Eq €352k
ETHIC' & TOIT
BE 0668.844.296
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PLAFO PINTO
BE 0655.677.240
Jodoigne · Eq €351k
GRANDS MAGASINS HERCK
BE 0434.944.238
Braives · Eq €351k
PROXY ESSENBEEK H & M
BE 0840.996.829
Halle · Eq €351k
Of 10,527 companies in sector 47110 we hold annual accounts for 5,862. 3,603 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-08-2019
Fiscal year end30-09
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
47252Retail sale of beverages, general range
47279Other retail sale of food
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.