Jutima is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.61M and a net result of €93k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 94% of 9864 sector peers (fiscal year 2024). The company has been active since 2016 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
on the day
2022
9 d late
2021
12 d early
2020
3 d early
2019
52 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€1.61M▲ 2.9%
2023 · €1.57M
2018: €741k
2019: €1.01M
2020: €1.11M
2021: €1.23M
2022: €1.47M
2023: €1.57M
2018 → 2024
Net result
€93k▼ 6.3%
2023 · €99k
2018: €258k
2019: €271k
2020: €98k
2021: €117k
2022: €241k
2023: €99k
2018 → 2024
Total assets
€1.68M▼ 8.6%
2023 · €1.84M
2018: €1.84M
2019: €1.89M
2020: €1.82M
2021: €1.76M
2022: €1.85M
2023: €1.84M
2018 → 2024
Solvency
96.1%▲ 10.8pp
2023 · 85.3%
2018: 40.3%
2019: 53.5%
2020: 61.0%
2021: 69.9%
2022: 79.5%
2023: 85.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.11M-€1.23M▲ 10.6%€1.47M▲ 19.6%€1.57M▲ 6.8%€1.61M▲ 2.9%
Operating result€108k-€103k▼ 4.4%€189k▲ 84.4%€107k▼ 43.7%€93k▼ 12.6%
Net result€98k-€117k▲ 20.1%€241k▲ 106%€99k▼ 58.8%€93k▼ 6.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 13% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.68M
Fixed assets
€1.10M▼ 20.9%
Current assets
€578k▲ 29.9%
Equity and liabilities €1.68M
Equity
€1.61M▲ 2.9%
Debt
€66k▼ 75.6%
The debt ratio falls from 14.7% to 3.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
96.1%▲
2023 · 85.3%
ROE
5.8%▼
2023 · 6.3%
ROA
5.5%▲
2023 · 5.4%
Debt
€66k▼
2023 · €271k
Debt ≤ 1 year
€31k▼
2023 · €185k
Debt > 1 year
€35k▼
2023 · €86k
Income taxes
€16k▼
2023 · €19k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.84M€1.68M▼
Fixed assets21/28€1.39M€1.10M▼
Tangible fixed assets22/27€77k€67k▼
Furniture and vehicles24€75k€61k▼
Other tangible fixed assets26€3k€7k▲
Financial fixed assets28€1.32M€1.03M▼
Current assets29/58€445k€578k▲
Amounts receivable after more than one year29€330k€250k▼
Other amounts receivable291€330k€250k▼
Amounts receivable within one year40/41€1k€2k▲
Trade receivables40€1k-
Other amounts receivable41-€2k
Current investments50/53€60k€175k▲
Cash at bank and in hand54/58€54k€55k▲
Deferred charges and accrued income490/1-€95k
Equity and liabilities
Total equity and liabilities10/49€1.84M€1.68M▼
Equity10/15€1.57M€1.61M▲
Contributions10/11€50k€50k=
Reserves13€5k€5k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€1.51M€1.56M▲
Amounts payable17/49€271k€66k▼
Amounts payable after more than one year17€86k€35k▼
Financial debts170/4€86k€35k▼
Amounts payable within one year42/48€185k€31k▼
Current portion of amounts payable after more than one year42€139k€12k▼
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€1k€555▼
Suppliers440/4€1k€555▼
Taxes, remuneration and social security45€1k€1k=
Taxes450/3€1k€1k=
Other amounts payable47/48€43k€17k▼
Income statement
Code20232024
Non-recurring operating income76A€6k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€18k▲
Other operating charges640/8€1k€556▼
Gross operating margin9900€111k€111k▲
Operating profit (loss)9901€107k€93k▼
Financial income75/76B€50k€141k▲
Recurring financial income75€50k€141k▲
Financial charges65/66B€38k€126k▲
Recurring financial charges65€38k€126k▲
Profit (loss) for the period before taxes9903€118k€108k▼
Income taxes67/77€19k€16k▼
Profit (loss) for the period9904€99k€93k▼
Profit (loss) for the period to be appropriated9905€99k€93k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.51M€1.61M▲
Profit (loss) brought forward from the previous period14P€1.41M€1.51M▲
Profit to be distributed694/7-€47k
Return on contributions (dividend)694-€47k
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
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €93k ▼6.3%
Net result drops to €93k, the lowest in the series.
31-12
Financial
Liquidity times 8current ratio 18.34
Current ratio from 2.41 to 18.34; short-term debt falls from €185k to €31k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 2.40
Current ratio from 0.67 to 2.40.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €271k ▲4.9%
Net result €271k, the highest in the series.
31-12
Financial
Equity above €1MEq €1.01M ▲36.6%
2 profitable years in a row build equity to €1.01M.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Kapellen · 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.
Sikkellaan 42950 KapellenGround area
371 m²
Building footprint
108 m²
Parcel 11023A0583/00E003, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
Jutima
since 20162.255.762.318
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11023A0583/00E003 | Flanders | 371 m² | 1 · 108 m² | 0.1 m |
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
254900969JHI89XIM729
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 11,538 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-08-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bart.tirry@telenet.be
Phone:0475353940