Karel Janssens
ActiveSummary
Karel Janssens has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €690k and a net result of €167k. Equity is growing by ~24.7% per year across the filed fiscal years. Its solvency ranks better than 82% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 13.17 against 11.21 in 2024; short-term debt: 5.7% and cash: 40.1% of total assets), and 15.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
84.2%
Return on assets
20.4%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
34 d early
2023
41 d early
2022
38 d early
2021
39 d early
2020
40 d early
2019
8 d early
← 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, micro schema
Equity
€690k▲ 20.8%
2024 · €572k
2018: €95k
2019: €143k
2020: €214k
2021: €303k
2022: €403k
2023: €479k
2024: €572k
2018 → 2025
Total assets
€820k▲ 15.7%
2024 · €708k
2018: €212k
2019: €278k
2020: €328k
2021: €394k
2022: €481k
2023: €609k
2024: €708k
2018 → 2025
Net result
€167k▲ 11.5%
2024 · €150k
2018: €59k
2019: €84k
2020: €71k
2021: €89k
2022: €100k
2023: €99k
2024: €150k
2018 → 2025
Working capital
€567k▲ 26.6%
2024 · €448k
2018: €49k
2019: €91k
2020: €175k
2021: €278k
2022: €344k
2023: €345k
2024: €448k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€303k-€403k▲ 32.9%€479k▲ 18.8%€572k▲ 19.3%€690k▲ 20.8%
Operating result€128k-€140k▲ 9.6%€143k▲ 1.6%€216k▲ 51.1%€236k▲ 9.2%
Net result€89k-€100k▲ 12.0%€99k▼ 1.2%€150k▲ 52.2%€167k▲ 11.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €820k
Fixed assets
€207k ▼ 4.7%
Current assets
€613k ▲ 24.8%
Equity and liabilities €820k
Equity
€690k ▲ 20.8%
Debt
€130k ▼ 5.2%
Debt's share of the balance-sheet total falls from 19.3% to 15.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€256k▲
2024 · €243k
Cash flow
€188k▲
2024 · €178k
Current ratio
13.17▲
2024 · 11.21
Debt to equity
0.19▼
2024 · 0.24
ROE
24.3%▼
2024 · 26.3%
ROA
20.4%▼
2024 · 21.2%
Interest coverage
63.38▲
2024 · 55.92
Debt ≤ 1 year
€47k▲
2024 · €44k
Debt > 1 year
€83k▼
2024 · €93k
Income taxes
€72k▲
2024 · €65k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€708k€820k▲
Fixed assets21/28€217k€207k▼
Tangible fixed assets22/27€194k€182k▼
Land and buildings22€158k€159k▲
Plant, machinery and equipment23€138-
Furniture and vehicles24€36k€23k▼
Financial fixed assets28€23k€24k▲
Current assets29/58€492k€613k▲
Amounts receivable after more than one year29€85k€81k▼
Other amounts receivable291€85k€81k▼
Amounts receivable within one year40/41€53k€166k▲
Trade receivables40€1k€45k▲
Other amounts receivable41€52k€121k▲
Current investments50/53€35k€35k=
Cash at bank and in hand54/58€318k€329k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€708k€820k▲
Equity10/15€572k€690k▲
Contributions10/11€12k€12k=
Reserves13€559k€678k▲
Distributable reserves133€559k€678k▲
Amounts payable17/49€137k€130k▼
Amounts payable after more than one year17€93k€83k▼
Financial debts170/4€93k€83k▼
Amounts payable within one year42/48€44k€47k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€8k€6k▼
Suppliers440/4€8k€6k▼
Taxes, remuneration and social security45€26k€31k▲
Taxes450/3€26k€31k▲
Accrued charges and deferred income492/3€66€67▲
Income statement
Code20242025
Non-recurring operating income76A-€124
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€20k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€244k€257k▲
Operating profit (loss)9901€216k€236k▲
Financial income75/76B€4k€8k▲
Recurring financial income75€4k€8k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€215k€239k▲
Income taxes67/77€65k€72k▲
Profit (loss) for the period9904€150k€167k▲
Profit (loss) for the period to be appropriated9905€150k€167k▲
Appropriation of the result
Profit (loss) to be appropriated9906€150k€167k▲
Transfer from equity791/2€58k€49k▼
Transfer to equity691/2€150k€167k▲
To other reserves6921€150k€167k▲
Profit to be distributed694/7€58k€49k▼
Return on contributions (dividend)694€58k€49k▼
The notes to these accounts (10 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €167k ▲11.5%
Operating result €236k, net result €167k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €572k ▲19.3%
7 profitable years in a row build equity to €572k.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 10.72
Current ratio from 4.81 to 10.72; short-term debt falls from €46k to €29k.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €214k ▲49.4%
3 profitable years in a row build equity to €214k.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €143k ▲51.5%
2 profitable years in a row build equity to €143k.
Show earlier events
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Bierbeek · 1 establishment unit since 2008
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.
Kwakkelbosstraat 173360 BierbeekGround area
1,658 m²
Building footprint
217 m²
Volume, LiDAR
945 m³
Parcel 24011H0270/00Y003, Flanders · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Kwakkelbosstraat 17, 3360 Bierbeek
since 20082.347.721.088
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24011H0270/00Y003 | Flanders | 1,658 m² | 1 · 217 m² | 8.4 m · 1 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
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BE 0806.496.107
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FILIP MELIS
BE 0871.330.709
Brugge · Eq €691,378
EXELIA
BE 0451.658.427
Elsene · Eq €689,151
AAH
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Schaarbeek · Eq €688,617
STIJN CLAEYS ADVOCAAT - AVOCAT
BE 0508.792.219
Dilbeek · Eq €688,559
Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 5,174 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
Founded29-10-2008
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.