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JUST-X

Active
Private limited companyfounded 199927 yrs activeGeraardsbergse steenweg 237, 9860 Oosterzele, BelgiumKBO/BCE: BE 0465.033.440
Summary

JUST-X has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €2k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 41% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
64 / 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-45
Solvency70▲+27
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.83 against 1.22 in 2024; short-term debt: 54.5% and cash: 0.6% of total assets), but 54.9% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Three signals. The signal on the left, the evidence on the right.
lowers riskneutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 27 years 0 30 y
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 filings
Deviation from the deadline
2025
21 d late
2024
25 d late
2023
23 d late
2022
31 d early
2021
31 d late
2020
27 d late
2019
4 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 months
Position in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€11k▲ 19.0%
2024 · €9k
2018: €-65k 2019: €-68k 2020: €-72k 2021: €-75k 2022: €-79k 2023: €-17k 2024: €9k
2018 → 2025
Total assets
€24k▼ 53.8%
2024 · €51k
2018: €14k 2019: €9k 2020: €9k 2021: €3k 2022: €1k 2023: €67k 2024: €51k
2018 → 2025
Net result
€2k▼ 93.4%
2024 · €26k
2018: €-2k 2019: €-3k 2020: €-4k 2021: €-3k 2022: €-5k 2023: €62k 2024: €26k
2018 → 2025
Working capital
€11k▲ 18.8%
2024 · €9k
2018: €-65k 2019: €-68k 2020: €-72k 2021: €-75k 2022: €-79k 2023: €-17k 2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€-75k-€-79k▼ 6.1%€-17k▲ 78.6%€9k€11k▲ 19.0%
Operating result€-3k-€-5k▼ 61.8%€62k€34k▼ 45.5%€6k▼ 83.0%
Net result€-3k-€-5k▼ 55.1%€62k€26k▼ 58.4%€2k▼ 93.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-20k€0€20k€40k€60kOperating result 2021: €-3k€-3kNet result 2021: €-3k€-3kOperating result 2022: €-5k€-5kNet result 2022: €-5k€-5kOperating result 2023: €62k€62kNet result 2023: €62k€62kOperating result 2024: €34k€34kNet result 2024: €26k€26kOperating result 2025: €6k€6kNet result 2025: €2k€2k20212022202320242025€0€20k€40k€60kOperating result 2023: €62k€62kNet result 2023: €62k€62kOperating result 2024: €34k€34kNet result 2024: €26k€26kOperating result 2025: €6k€5.7kNet result 2025: €2k€1.7k202320242025
The operating result has fallen two years in a row; 2025 is 83% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €24k
Equity €11k ▲ 19.0%
Debt €13k ▼ 69.2%
Debt's share of the balance-sheet total falls from 82.5% to 54.9%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
Current ratio
1.83
2024 · 1.22
Debt to equity
1.22
2024 · 4.70
ROE
15.9%
2024 · 289.3%
ROA
7.2%
2024 · 50.7%
Debt ≤ 1 year
€13k
2024 · €42k
Income taxes
€714
2024 · €6k
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 · 33 lines
Balance sheet Code20242025
Assets
Total assets20/58€51k€24k
Current assets29/58€51k€24k
Amounts receivable within one year40/41€50k€23k
Trade receivables40€0€2k
Other amounts receivable41€50k€21k
Cash at bank and in hand54/58€451€133
Deferred charges and accrued income490/1€210€0
Equity and liabilities
Total equity and liabilities10/49€51k€24k
Equity10/15€9k€11k
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-10k€-8k
Amounts payable17/49€42k€13k
Amounts payable within one year42/48€42k€13k
Trade debts44€3k€5k
Suppliers440/4€3k€5k
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€38k€8k
Taxes450/3€38k€8k
Other amounts payable47/48€436€0
Accrued charges and deferred income492/3€88€89
Income statement Code20242025
Other operating charges640/8€5k€544
Gross operating margin9900€39k€6k
Operating profit (loss)9901€34k€6k
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€1k€3k
Recurring financial charges65€1k€3k
Profit (loss) for the period before taxes9903€32k€2k
Income taxes67/77€6k€714
Profit (loss) for the period9904€26k€2k
Profit (loss) for the period to be appropriated9905€26k€2k
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-8k
Profit (loss) brought forward from the previous period14P€-36k€-10k

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
21-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
25-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
23-08
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema · 23 days late
2023
31-12
Financial Back to profitnet €62k
Net result €62k after 5 loss-making years.
30-06
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
31-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
27-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
04-08
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
30-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
22-08
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
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, Oosterzele · 1 establishment unit since 1999
establishment The establishment unit on the map
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.

Geraardsbergse steenweg 2379860 Oosterzele
Ground area
468 m²
Building footprint
231 m²
Volume, LiDAR
1,451 m³
Parcel 44007A0741/00W000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JUST-X
Geraardsbergse steenweg 237, 9860 OosterzeleFinancial service activities, except insurance and pension funding
since 19992.090.182.229
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44007A0741/00W000 Flanders 468 m² 1 · 231 m² 8.9 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.

Similar companies · same sector, comparable size

Of 11,550 companies in sector 71121 we hold annual accounts for 6,563. 3,023 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
Founded27-01-1999
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.