NEVEN JAN
ActiveNEVEN JAN has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €41k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 83% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100▲+23
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.1 against 1.24 in 2024; short-term debt: 21.8% and cash: 49.6% of total assets), and 21.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
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
78.2%
Return on assets
28%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 08-12-2025, 143 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
143 d early
2024
113 d early
2023
105 d early
2022
59 d early
2021
110 d early
2020
24 d early
2019
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k▲ 55.8%
2024 · €74k
2018: €87k
2019: €101k
2020: €109k
2021: €132k
2022: €110k
2023: €119k
2024: €74k
2018 → 2025
Total assets
€147k▲ 4.6%
2024 · €141k
2018: €191k
2019: €210k
2020: €201k
2021: €215k
2022: €212k
2023: €177k
2024: €141k
2018 → 2025
Net result
€41k
2024 · €-45k
2018: €9k
2019: €14k
2020: €8k
2021: €23k
2022: €-22k
2023: €9k
2024: €-45k
2018 → 2025
Working capital
€68k▲ 341%
2024 · €15k
2018: €81k
2019: €85k
2020: €101k
2021: €123k
2022: €104k
2023: €114k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€132k-€110k▼ 16.7%€119k▲ 7.9%€74k▼ 37.8%€115k▲ 55.8%
Operating result€25k-€-22k€8k€-46k€42k
Net result€23k-€-22k€9k€-45k€41k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €42k after a loss of €46k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€48k▼ 21.3%
Current assets
€100k▲ 24.0%
Equity and liabilities €147k
Equity
€115k▲ 55.8%
Debt
€32k▼ 51.9%
The debt ratio falls from 47.5% to 21.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€56k▲
2024 · €-35k
Cash flow
€55k▲
2024 · €-34k
Solvency
78.2%▲
2024 · 52.5%
Current ratio
3.10▲
2024 · 1.24
Quick ratio
3.10▲
2024 · 0.48
Debt / equity
0.28▼
2024 · 0.91
ROE
35.8%▲
2024 · -60.7%
ROA
28.0%▲
2024 · -31.8%
Interest coverage
20.14▲
2024 · -28.05
Debt
€32k▼
2024 · €67k
Debt ≤ 1 year
€32k▼
2024 · €65k
Debt > 1 year
€0▼
2024 · €2k
Income taxes
€299▲
2024 · €294
Staff costs
€111k▼
2024 · €133k
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€141k€147k▲
Fixed assets21/28€60k€48k▼
Tangible fixed assets22/27€60k€48k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€58k€45k▼
Financial fixed assets28€805€0▼
Current assets29/58€80k€100k▲
Stocks and contracts in progress3€49k€0▼
Stocks30/36€34k€0▼
Contracts in progress37€15k€0▼
Amounts receivable within one year40/41€17k€21k▲
Trade receivables40€16k€16k▲
Other amounts receivable41€1k€5k▲
Cash at bank and in hand54/58€8k€73k▲
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€141k€147k▲
Equity10/15€74k€115k▲
Contributions10/11€19k€19k=
Reserves13€98k€98k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€548€548=
Distributable reserves133€97k€97k=
Profit (loss) carried forward14€-43k€-1k▲
Amounts payable17/49€67k€32k▼
Amounts payable after more than one year17€2k€0▼
Financial debts170/4€2k€0▼
Amounts payable within one year42/48€65k€32k▼
Current portion of amounts payable after more than one year42€6k€2k▼
Financial debts43€10k€0▼
Credit institutions430/8€10k€0▼
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€9k€9k▲
Taxes450/3€3k€9k▲
Remuneration and social security454/9€5k€0▼
Other amounts payable47/48€33k€16k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€133k€111k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€14k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A-€794
Gross operating margin9900€100k€169k▲
Operating profit (loss)9901€-46k€42k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€-45k€42k▲
Income taxes67/77€294€299▲
Profit (loss) for the period9904€-45k€41k▲
Profit (loss) for the period to be appropriated9905€-45k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-44k€-1k▲
Profit (loss) brought forward from the previous period14P€395€-43k▼
Transfer from equity791/2€2k€0▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (16 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
2025
08-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-09
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
30-09
Financial
Liquidity triplescurrent ratio 3.10
Current ratio from 1.24 to 3.10; short-term debt falls from €65k to €32k.
30-09
Financial
Equity above €100kEq €115k ▲55.8%
Equity rises from €74k to €115k.
07-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-45k ▼613%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
16-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
02-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €100kEq €101k ▲16%
2 profitable years in a row build equity to €101k.
03-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-03
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
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, Tongeren-Borgloon · 2 establishment units since 2000
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.
Beekstraat 53840 Tongeren-BorgloonGround area
1,867 m²
Building footprint
477 m²
Volume, LiDAR
2,090 m³
2 parcels, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Neven Jan
since 20002.080.126.990
Terwouwenstraat 37, 3800 Sint-Truiden
since 20182.283.263.501
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73031C0483/00F000 | Flanders | 938 m² | 1 · 189 m² | 7.2 m · 2 fl. |
| 71064B0205/00G000 | Flanders | 930 m² | 1 · 288 m² | 5.7 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 5 entries · 13,637 EUR awarded · 13,637 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 2 | 500 EUR | 500 EUR |
| 2023 | 1 | 6,685 EUR | 6,685 EUR |
| 2022 | 2 | 6,452 EUR | 6,452 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
6 categoriesNEVEN JAN BV24561
Similar companies · same sector, comparable size
FHLinK
BE 0500.937.395
Kaprijke · Eq €115k
Klusbedrijf Lemmens
BE 0810.181.117
Lommel · Eq €115k
CABO
BE 0726.910.674
Brugge · Eq €115k
GOMES ELECTRICITE
BE 0755.564.969
Libramont-Chevigny · Eq €115k
IA CONSTRUCT
BE 1023.905.769
Liège · Eq €115k
Of 22,826 companies in sector 43211 we hold annual accounts for 10,328. 8,767 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-1996
Fiscal year end30-09
Activities, NACEBEL
43211General electrical installation work
45310
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.