Menuiserie & Parquets St Job
ActiveSummary
The computed 12-month bankruptcy probability of Menuiserie & Parquets St Job is 2.0% (moderate). The 2025 annual accounts show equity of €703k and a net result of €107k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 47% of 27786 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-7
Solvency70▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity tight (current ratio 1.46 against 2.21 in 2024; short-term debt: 23.2% and cash: 17.5% of total assets), and 55.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
44.8%
Return on assets
6.8%
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
30 d late
2022
30 d late
2021
29 d late
2020
30 d late
2019
14 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, micro schema
Equity
€703k▼ 1.4%
2024 · €712k
2018: €194k
2020: €326k
2021: €415k
2022: €515k
2023: €572k
2024: €712k
2018 → 2025
Total assets
€1.57M▲ 3.5%
2024 · €1.52M
2018: €296k
2020: €398k
2021: €1.27M
2022: €1.29M
2023: €1.39M
2024: €1.52M
2018 → 2025
Net result
€107k▼ 41.9%
2024 · €184k
2018: €43k
2020: €65k
2021: €100k
2022: €22k
2023: €127k
2024: €184k
2018 → 2025
Working capital
€166k▼ 47.2%
2024 · €314k
2018: €144k
2020: €267k
2021: €139k
2022: €118k
2023: €167k
2024: €314k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€415k-€515k▲ 24.0%€572k▲ 11.1%€712k▲ 24.5%€703k▼ 1.4%
Operating result€114k-€34k▼ 70.2%€162k▲ 378%€277k▲ 71.2%€169k▼ 39.2%
Net result€100k-€22k▼ 78.1%€127k▲ 482%€184k▲ 44.9%€107k▼ 41.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.57M
Fixed assets
€1.04M ▲ 10.3%
Current assets
€529k ▼ 7.7%
Equity and liabilities €1.57M
Equity
€703k ▼ 1.4%
Debt
€867k ▲ 7.8%
Debt's share of the balance-sheet total rises from 53.0% to 55.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€248k▼
2024 · €359k
Cash flow
€187k▼
2024 · €266k
Current ratio
1.46▼
2024 · 2.21
Quick ratio
1.39▼
2024 · 2.19
Debt to equity
1.23▲
2024 · 1.13
ROE
15.2%▼
2024 · 25.9%
ROA
6.8%▼
2024 · 12.2%
Interest coverage
22.30▼
2024 · 34.60
Debt ≤ 1 year
€364k▲
2024 · €259k
Debt > 1 year
€503k▼
2024 · €545k
Income taxes
€50k▼
2024 · €82k
Staff costs
€74k▲
2024 · €41k
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 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.52M€1.57M▲
Fixed assets21/28€943k€1.04M▲
Intangible fixed assets21€691-
Tangible fixed assets22/27€858k€845k▼
Land and buildings22€665k€629k▼
Plant, machinery and equipment23€185k€210k▲
Furniture and vehicles24€7k€6k▼
Financial fixed assets28€85k€195k▲
Current assets29/58€573k€529k▼
Stocks and contracts in progress3€6k€26k▲
Stocks30/36€6k€26k▲
Amounts receivable within one year40/41€199k€228k▲
Trade receivables40€195k€207k▲
Other amounts receivable41€4k€22k▲
Cash at bank and in hand54/58€369k€275k▼
Equity and liabilities
Total equity and liabilities10/49€1.52M€1.57M▲
Equity10/15€712k€703k▼
Contributions10/11€19k€19k=
Reserves13€416k€396k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€395k€375k▼
Profit (loss) carried forward14€180k€186k▲
Investment grants15€98k€102k▲
Amounts payable17/49€804k€867k▲
Amounts payable after more than one year17€545k€503k▼
Financial debts170/4€545k€503k▼
Amounts payable within one year42/48€259k€364k▲
Current portion of amounts payable after more than one year42€63k€72k▲
Trade debts44€56k€83k▲
Suppliers440/4€56k€83k▲
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€78k€78k▼
Taxes450/3€78k€77k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€60k€130k▲
Income statement
Code20242025
Remuneration, social security and pensions62€41k€74k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€82k€80k▼
Other operating charges640/8€8k€21k▲
Gross operating margin9900€408k€343k▼
Operating profit (loss)9901€277k€169k▼
Financial income75/76B€41-
Recurring financial income75€41-
Financial charges65/66B€10k€11k▲
Recurring financial charges65€10k€11k▲
Non-recurring financial charges66B€115€98▼
Profit (loss) for the period before taxes9903€267k€157k▼
Income taxes67/77€82k€50k▼
Profit (loss) for the period9904€184k€107k▼
Transfer from tax-exempt reserves789€9k€9k▲
Profit (loss) for the period to be appropriated9905€193k€116k▼
Appropriation of the result
Profit (loss) to be appropriated9906€300k€296k▼
Profit (loss) brought forward from the previous period14P€107k€180k▲
Transfer from equity791/2€60k€130k▲
Transfer to equity691/2€120k€110k▼
To other reserves6921€120k€110k▼
Profit to be distributed694/7€60k€130k▲
Return on contributions (dividend)694€60k€130k▲
The notes to these accounts (11 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €184k ▲44.9%
Operating result €277k, net result €184k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €22k ▼78.1%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €515k ▲24%
4 profitable years in a row build equity to €515k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Equity above €200kEq €326k ▲67.9%
2 profitable years in a row build equity to €326k.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 58 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brussel · 2 establishment units since 2015
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.
Middelweg 132 E1130 BrusselGround area
1.3 ha
Building footprint
3,606 m²
Volume, LiDAR
26,693 m³
2 parcels, Brussels · tallest building 33.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Menuiserie & Parquets St Job
since 20152.238.395.358
Menuiserie & Parquets St Job
since 20212.324.125.641
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21821B0501/00E000 | Brussels | 1.3 ha | 1 · 3,375 m² | 33.2 m · 2 fl. |
| 21612D0212/00M002 | Brussels | 236 m² | 1 · 231 m² | 11.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
ATELIER DT
BE 0677.414.940
Kapellen · Eq €703,001
BREBO
BE 0538.971.491
Sint-Pieters-Leeuw · Eq €702,240
LEFEVERE CHRIS
BE 0475.145.194
Ledegem · Eq €703,140
Menuiserie Pascal MEERTENS
BE 0679.439.567
Dison · Eq €701,811
HEGA
BE 0444.808.346
Wuustwezel · Eq €703,650
Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 5,216 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
Founded22-01-2015
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
25401Forging of metal
43230Insulation installation
43240Other construction installation
43332Laying of wooden floor and wall coverings
43343Specialised construction activities
43410Roofing work
43421Specialised construction activities
47521Retail sale of hardware, building materials, paint and glass (general range)
47522Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.