JUWIZON 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 €1.11M and a net result of €-55k. Equity is shrinking by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 29% of 5523 sector peers (fiscal year 2025). The company has been active since 2004 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
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
18 d late
2024
6 d early
2023
14 d early
2022
14 d early
2021
30 d early
2020
32 d early
2019
18 d early
← 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
€1.11M▼ 4.7%
2024 · €1.16M
2018: €1.22M
2019: €2.38M
2020: €2.43M
2021: €665k
2022: €657k
2023: €923k
2024: €1.16M
2018 → 2025
Net result
€-55k
2024 · €239k
2018: €-1.89M
2019: €1.16M
2020: €51k
2021: €275k
2022: €-8k
2023: €265k
2024: €239k
2018 → 2025
Total assets
€3.84M▲ 10.0%
2024 · €3.49M
2018: €3.72M
2019: €3.18M
2020: €3.39M
2021: €1.71M
2022: €3.75M
2023: €4.72M
2024: €3.49M
2018 → 2025
Solvency
28.8%▼ 4.5pp
2024 · 33.3%
2018: 32.9%
2019: 74.7%
2020: 71.8%
2021: 38.8%
2022: 17.5%
2023: 19.6%
2024: 33.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€665k-€657k▼ 1.1%€923k▲ 40.3%€1.16M▲ 26.0%€1.11M▼ 4.7%
Operating result€305k-€26k▼ 91.4%€470k▲ 1,704%€451k▼ 4.1%€-78k
Net result€275k-€-8k€265k€239k▼ 9.7%€-55k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €78k after €451k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.84M
Fixed assets
€2.63M▼ 6.2%
Current assets
€1.21M▲ 76.7%
Equity and liabilities €3.84M
Equity
€1.11M▼ 4.7%
Debt
€2.73M▲ 17.3%
The debt ratio rises from 66.7% to 71.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
28.8%▼
2024 · 33.3%
ROE
-5.0%▼
2024 · 20.6%
ROA
-1.4%▼
2024 · 6.9%
Debt
€2.73M▲
2024 · €2.33M
Debt ≤ 1 year
€1.10M▲
2024 · €713k
Debt > 1 year
€1.55M▲
2024 · €1.47M
Income taxes
€0▼
2024 · €14k
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€3.49M€3.84M▲
Fixed assets21/28€2.81M€2.63M▼
Financial fixed assets28€2.81M€2.63M▼
Current assets29/58€683k€1.21M▲
Stocks and contracts in progress3€34k€238k▲
Stocks30/36€34k€238k▲
Amounts receivable within one year40/41€96k€400k▲
Trade receivables40€37k€222k▲
Other amounts receivable41€59k€178k▲
Current investments50/53€542k€542k=
Cash at bank and in hand54/58€11k€27k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€3.49M€3.84M▲
Equity10/15€1.16M€1.11M▼
Contributions10/11€132k€132k=
Reserves13€556k€556k=
Non-distributable reserves130/1€542k€542k=
Own shares acquired1312€542k€542k=
Distributable reserves133€13k€13k=
Profit (loss) carried forward14€474k€419k▼
Amounts payable17/49€2.33M€2.73M▲
Amounts payable after more than one year17€1.47M€1.55M▲
Financial debts170/4€1.47M€1.55M▲
Amounts payable within one year42/48€713k€1.10M▲
Current portion of amounts payable after more than one year42€37k€38k▲
Financial debts43€0€121k▲
Credit institutions430/8€0€121k▲
Trade debts44€379k€588k▲
Suppliers440/4€379k€588k▲
Taxes, remuneration and social security45€15k€14k▼
Taxes450/3€15k€14k▼
Other amounts payable47/48€282k€336k▲
Accrued charges and deferred income492/3€150k€88k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Other operating charges640/8€19k€765▼
Gross operating margin9900€470k€-78k▼
Operating profit (loss)9901€451k€-78k▼
Financial income75/76B€35k€122k▲
Recurring financial income75€973€5k▲
Non-recurring financial income76B€34k€117k▲
Financial charges65/66B€233k€99k▼
Recurring financial charges65€233k€99k▼
Profit (loss) for the period before taxes9903€254k€-55k▼
Income taxes67/77€14k€0▼
Profit (loss) for the period9904€239k€-55k▼
Profit (loss) for the period to be appropriated9905€239k€-55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€507k€419k▼
Profit (loss) brought forward from the previous period14P€267k€474k▲
Transfer to equity691/2€32k€0▼
To other reserves6921€32k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (21 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €1MEq €1.16M ▲26%
2 profitable years in a row build equity to €1.16M.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €265k
Net result €265k after one loss-making year.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity times 10current ratio 11.74
Current ratio from 1.13 to 11.74; short-term debt falls from €547k to €227k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €1.16M
Net result €1.16M after one loss-making year.
31-12
Financial
Equity above €2MEq €2.38M ▲94.6%
Equity rises from €1.22M to €2.38M.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-06
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
6 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, Staden · 1 establishment unit since 2004
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.
Sleihagestraat(ONK) 578840 StadenGround area
1.3 ha
Building footprint
1,169 m²
Parcel 36014B0423/00L002, Flanders. Linked by address, not a title deed.
1 establishment unit
Juwizon
since 20042.247.809.308
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36014B0423/00L002 | Flanders | 1.3 ha | 1 · 1,169 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,439 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-05-2004
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.