Summary
JUSABIM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €486k and a net result of €17k. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 22% of 2394 sector peers (fiscal year 2025). The company has been active since 2022 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-09-2026, 52 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 · 3 filingsDeviation from the deadline
2025
52 d late
2024
46 d late
2023
30 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€486k▲ 3.6%
2024 · €469k
2023: €350k
2024: €469k
2023 → 2025
Net result
€17k▼ 85.7%
2024 · €119k
2023: €100k
2024: €119k
2023 → 2025
Total assets
€1.71M▲ 2.8%
2024 · €1.67M
2023: €1.65M
2024: €1.67M
2023 → 2025
Solvency
28.3%▲ 0.2pp
2024 · 28.1%
2023: 21.2%
2024: 28.1%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€307k-€348k▲ 13.5%€348k=
Equity€350k-€469k▲ 33.9%€486k▲ 3.6%
Operating result€164k-€203k▲ 23.3%€177k▼ 12.6%
Net result€100k-€119k▲ 18.8%€17k▼ 85.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.71M
Fixed assets
€1.69M ▲ 5.8%
Current assets
€21k ▼ 68.7%
Equity and liabilities €1.71M
Equity
€486k ▲ 3.6%
Debt
€1.23M ▲ 2.5%
Debt's share of the balance-sheet total falls from 71.9% to 71.7%. Equity and debt are higher.
Key figures and ratios
ROE
3.5%▼
2024 · 25.3%
ROA
1.0%▼
2024 · 7.1%
Debt ≤ 1 year
€517k▲
2024 · €374k
Debt > 1 year
€708k▼
2024 · €823k
Income taxes
€35k▼
2024 · €39k
Staff costs
€5k=
2024 · €5k
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 · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.67M€1.71M▲
Formation expenses20€2k€1k▼
Fixed assets21/28€1.60M€1.69M▲
Tangible fixed assets22/27-€92k
Leasing and similar rights25-€92k
Financial fixed assets28€1.60M€1.60M=
Current assets29/58€66k€21k▼
Amounts receivable within one year40/41€66k€17k▼
Trade receivables40€66k€21▼
Other amounts receivable41€0€17k▲
Cash at bank and in hand54/58€67€120▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€1.67M€1.71M▲
Equity10/15€469k€486k▲
Contributions10/11€250k€250k=
Capital10€250k€250k=
Issued capital100€250k€250k=
Reserves13€34k€76k▲
Tax-exempt reserves132€34k€76k▲
Profit (loss) carried forward14€185k€160k▼
Amounts payable17/49€1.20M€1.23M▲
Amounts payable after more than one year17€823k€708k▼
Financial debts170/4€823k€708k▼
Amounts payable within one year42/48€374k€517k▲
Current portion of amounts payable after more than one year42€180k€203k▲
Trade debts44€60k€36k▼
Suppliers440/4€60k€36k▼
Taxes, remuneration and social security45€42k€39k▼
Taxes450/3€41k€39k▼
Remuneration and social security454/9€849€0▼
Other amounts payable47/48€92k€239k▲
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Turnover70€348k€348k=
Non-recurring operating income76A€303-
Goods, raw materials, services and sundry goods60/61€138k€162k▲
Remuneration, social security and pensions62€5k€5k=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€18k▲
Other operating charges640/8€591€9k▲
Gross operating margin9900€213k€209k▼
Operating profit (loss)9901€203k€177k▼
Financial income75/76B-€225
Recurring financial income75-€225
Financial charges65/66B€45k€126k▲
Recurring financial charges65€40k€126k▲
Non-recurring financial charges66B€4k€45▼
Profit (loss) for the period before taxes9903€158k€52k▼
Income taxes67/77€39k€35k▼
Profit (loss) for the period9904€119k€17k▼
Transfer to tax-exempt reserves689€34k€42k▲
Profit (loss) for the period to be appropriated9905€85k€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€185k€160k▼
Profit (loss) brought forward from the previous period14P€100k€185k▲
The notes to these accounts (8 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
21-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 52 days late
2025
31-12
Financial
Weakest financial yearnet €17k ▼85.7%
Net result drops to €17k, the lowest in the series.
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 46 days late
2024
31-12
Financial
Highest result since 2023net €119k ▲18.8%
Operating result €203k, net result €119k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Morlanwelz · 1 establishment unit since 2022
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 des Ateliers(MLZ) 1227140 MorlanwelzGround area
1.6 ha
Building footprint
1,663 m²
Parcel 56057A0291/00E004, Wallonia. Linked by address, not a title deed.
1 establishment unit
JUSABIM
since 20222.340.033.146
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56057A0291/00E004 | Wallonia | 1.6 ha | 1 · 1,663 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900GHJO4K424BGH44
Similar companies · same sector, comparable size
CLAVANTI
BE 0472.642.594
Bekkevoort · Eq €485,572
Manora
BE 0643.619.942
Oudenaarde · Eq €485,607
ALGUMA INVEST
BE 0828.799.771
Lendelede · Eq €485,505
MANAWA
BE 0655.785.227
Gent · Eq €485,675
VOLCKAERT INVEST
BE 0535.984.188
Mouscron · Eq €485,711
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,621 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 formPublic limited company
Founded29-11-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.