PHILIPPE JORDAN
ActivePHILIPPE JORDAN has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €956k and a net result of €151k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 56% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+8
Solvency75▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 1.9 in 2024; short-term debt: 49.3% and cash: 37% of total assets), but 50.4% 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
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
49.6%
Return on assets
7.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 17-04-2026, 105 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
105 d early
2024
115 d early
2023
117 d early
2022
56 d late
2021
124 d early
2020
31 d early
2019
155 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€151k▲ 388%
2024 · €31k
2018: €156k
2019: €141k
2020: €231k
2021: €117k
2022: €218k
2023: €157k
2024: €31k
2018 → 2025
Working capital
€617k▼ 10.0%
2024 · €685k
2018: €727k
2019: €759k
2020: €940k
2021: €989k
2022: €955k
2023: €782k
2024: €685k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.25M-€1.07M▼ 14.6%€1.02M▼ 4.1%€955k▼ 6.7%€956k▲ 0.1%
Operating result€93k-€254k▲ 173%€182k▼ 28.6%€9k▼ 95.2%€171k▲ 1,866%
Net result€117k-€218k▲ 86.5%€157k▼ 28.2%€31k▼ 80.3%€151k▲ 388%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,866% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.93M
Fixed assets
€360k▲ 13.1%
Current assets
€1.57M▲ 8.3%
Equity and liabilities €1.93M
Equity
€956k▲ 0.1%
Debt
€970k▲ 19.8%
The debt ratio rises from 45.9% to 50.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€211k▲
2024 · €62k
Cash flow
€191k▲
2024 · €84k
Solvency
49.6%▼
2024 · 54.1%
Current ratio
1.65▼
2024 · 1.90
Quick ratio
1.44▼
2024 · 1.56
Debt / equity
1.02▲
2024 · 0.85
ROE
15.8%▲
2024 · 3.2%
ROA
7.8%▲
2024 · 1.8%
Interest coverage
51.31▲
2024 · 16.07
Debt
€970k▲
2024 · €810k
Debt ≤ 1 year
€949k▲
2024 · €762k
Debt > 1 year
€0▼
2024 · €48k
Income taxes
€55k▲
2024 · €19k
Staff costs
€65k▼
2024 · €75k
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€1.77M€1.93M▲
Fixed assets21/28€318k€360k▲
Intangible fixed assets21-€6k
Tangible fixed assets22/27€314k€349k▲
Land and buildings22€218k€235k▲
Plant, machinery and equipment23€70k€99k▲
Furniture and vehicles24€15k€9k▼
Leasing and similar rights25€10k€7k▼
Financial fixed assets28€5k€5k=
Current assets29/58€1.45M€1.57M▲
Stocks and contracts in progress3€256k€199k▼
Stocks30/36€256k€199k▼
Amounts receivable within one year40/41€605k€616k▲
Trade receivables40€580k€616k▲
Other amounts receivable41€25k€409▼
Cash at bank and in hand54/58€580k€712k▲
Deferred charges and accrued income490/1€6k€39k▲
Equity and liabilities
Total equity and liabilities10/49€1.77M€1.93M▲
Equity10/15€955k€956k▲
Contributions10/11€168k€168k=
Reserves13€19k€19k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€768k€768k▲
Amounts payable17/49€810k€970k▲
Amounts payable after more than one year17€48k€0▼
Financial debts170/4€48k€0▼
Amounts payable within one year42/48€762k€949k▲
Current portion of amounts payable after more than one year42€64k€55k▼
Trade debts44€554k€668k▲
Suppliers440/4€554k€668k▲
Taxes, remuneration and social security45€16k€11k▼
Taxes450/3€10k€0▼
Remuneration and social security454/9€5k€11k▲
Other amounts payable47/48€127k€215k▲
Accrued charges and deferred income492/3-€21k
Income statement
Code20242025
Remuneration, social security and pensions62€75k€65k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€40k▼
Other operating charges640/8€7k€7k▲
Gross operating margin9900€143k€283k▲
Operating profit (loss)9901€9k€171k▲
Financial income75/76B€45k€38k▼
Recurring financial income75€45k€38k▼
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€50k€205k▲
Income taxes67/77€19k€55k▲
Profit (loss) for the period9904€31k€151k▲
Profit (loss) for the period to be appropriated9905€31k€151k▲
Appropriation of the result
Profit (loss) to be appropriated9906€868k€918k▲
Profit (loss) brought forward from the previous period14P€837k€768k▼
Profit to be distributed694/7€100k€150k▲
Return on contributions (dividend)694€100k€150k▲
The notes to these accounts (12 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
17-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €31k ▼80.3%
Net result drops to €31k, the lowest in the series; recovery starts the following year.
05-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 56 days late
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €231k ▲63.5%
Operating result €278k, net result €231k, both a record.
31-12
Financial
Equity above €1MEq €1.13M ▲25.6%
3 profitable years in a row build equity to €1.13M.
27-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Charleroi · 1 establishment unit since 2001
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.
Rue du Rond Point 2456060 CharleroiGround area
3,052 m²
Building footprint
1,579 m²
Volume, LiDAR
499 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue d'Alle,Mouzaive 29, 5550 Vresse-sur-Semois
since 20012.062.555.738
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52342A0123/00G037 | Wallonia | 2,883 m² | 1 · 1,511 m² | - |
| 91222A0282/00Z003 | Wallonia | 169 m² | 1 · 68 m² | 8.6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVresse-sur-Semois2.062.555.738
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A.G.M.
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'T KLAVERBLAD
BE 0466.238.616
Beerse · Eq €973k
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Of 1,581 companies in sector 46349 we hold annual accounts for 986. 597 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-1993
Fiscal year end31-12
Activities, NACEBEL
46349Wholesale of beverages, general range
51340
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.