Publi K&J

Active

Private limited companyfounded 200916 yrs activeLaar 57, 3980 Tessenderlo-Ham, BelgiumKBO/BCE: BE 0819.472.034

Publi K&J has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €129k and a net result of €7k. Its solvency ranks better than 54% of 7031 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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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

Profitability73▼-17

Solvency84▲+9

Growth52

Track record100

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €10k at 30 days acceptable

Liquidity ample (current ratio 2.76 against 1.79 in 2024; short-term debt: 18% and cash: 24.1% of total assets), and 41.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk○neutral

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

58.9%

Return on assets

3.1%

Age of the figures

12 mo

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

on the day

2024

51 d early

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€129k▲ 5.6%

2024 · €122k

2024: €122k

2024 → 2025

Total assets

€219k▼ 11.0%

2024 · €246k

2024: €246k

2024 → 2025

Net result

€7k▼ 83.7%

2024 · €42k

2024: €42k

2024 → 2025

Working capital

€69k▲ 44.8%

2024 · €48k

2024: €48k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€122k-€129k▲ 5.6%

Operating result€67k-€17k▼ 74.1%

Net result€42k-€7k▼ 83.7%

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 74% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €219k

50.3%

49.7%

Fixed assets €110k▼ 19.8%

Current assets €109k▲ 0.1%

Equity and liabilities €219k

58.9%

41.1%

Equity €129k▲ 5.6%

Debt €90k▼ 27.3%

The debt ratio falls from 50.4% to 41.1%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€45k▼

2024 · €97k

Cash flow

€35k▼

2024 · €73k

Solvency

58.9%▲

2024 · 49.6%

Current ratio

2.76▲

2024 · 1.79

Quick ratio

2.75▲

2024 · 1.79

Debt / equity

0.70▼

2024 · 1.01

ROE

5.3%▼

2024 · 34.4%

ROA

3.1%▼

2024 · 17.1%

Interest coverage

9.42▼

2024 · 17.42

Debt

€90k▼

2024 · €124k

Debt ≤ 1 year

€39k▼

2024 · €61k

Debt > 1 year

€50k▼

2024 · €63k

Income taxes

€6k▼

2024 · €19k

Staff costs

€1k▼

2024 · €10k

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€246k€219k▼

Fixed assets21/28€137k€110k▼

Tangible fixed assets22/27€137k€110k▼

Land and buildings22€54k€47k▼

Plant, machinery and equipment23€1k€705▼

Furniture and vehicles24€82k€63k▼

Current assets29/58€109k€109k▲

Stocks and contracts in progress3€147€240▲

Stocks30/36€147€240▲

Amounts receivable within one year40/41€57k€52k▼

Trade receivables40€53k€32k▼

Other amounts receivable41€3k€20k▲

Cash at bank and in hand54/58€49k€53k▲

Deferred charges and accrued income490/1€3k€4k▲

Equity and liabilities

Total equity and liabilities10/49€246k€219k▼

Equity10/15€122k€129k▲

Contributions10/11€500€500=

Outside capital11€500€500=

Other1109/19€500€500=

Reserves13€121k€128k▲

Distributable reserves133€121k€128k▲

Amounts payable17/49€124k€90k▼

Amounts payable after more than one year17€63k€50k▼

Financial debts170/4€63k€50k▼

Amounts payable within one year42/48€61k€39k▼

Current portion of amounts payable after more than one year42€20k€12k▼

Trade debts44€27k€23k▼

Suppliers440/4€27k€23k▼

Taxes, remuneration and social security45€4k€4k▼

Taxes450/3€4k-

Remuneration and social security454/9-€4k

Other amounts payable47/48€9k-

Income statement Code20242025

Remuneration, social security and pensions62€10k€1k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€28k▼

Other operating charges640/8€3k€1k▼

Gross operating margin9900€110k€48k▼

Operating profit (loss)9901€67k€17k▼

Financial income75/76B€31€223▲

Recurring financial income75€31€223▲

Financial charges65/66B€6k€5k▼

Recurring financial charges65€6k€5k▼

Profit (loss) for the period before taxes9903€61k€13k▼

Income taxes67/77€19k€6k▼

Profit (loss) for the period9904€42k€7k▼

Profit (loss) for the period to be appropriated9905€42k€7k▼

Appropriation of the result

Profit (loss) to be appropriated9906€42k€7k▼

Transfer from equity791/2€29k-

Transfer to equity691/2€42k€7k▼

To other reserves6921€42k€7k▼

Profit to be distributed694/7€29k-

Return on contributions (dividend)694€29k-

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Gazette 1Filings 2

Next filing, fiscal year 2026, expected by 30-04-2027

2026

30-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

25-03

State Gazette act Registered office

Board meeting · Registered-office move · Power of attorney3 facts ▸

Board meeting, 06/03/2026
Registered-office move, Laar 57, 3980 Tessenderlo-Ham
Power of attorney, BV Helsen Accountants

2025

10-03

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

State Gazette actNBB filing

Directors · office · real estate

Directors

4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Tessenderlo-Ham · 1 establishment unit since 2009

establishment The establishment unit on the map

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.

Laar 573980 Tessenderlo-Ham

Ground area

973 m²

Building footprint

143 m²

Volume, LiDAR

931 m³

Parcel 71057A1122/00D000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Publi K&J

Laar 57, 3980 Tessenderlo-HamAdvertising agencies

since 20092.182.902.846

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71057A1122/00D000	Flanders	973 m²	1 · 143 m²	9.8 m · 2 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

Braine-l'Alleud · Eq €129k

Of 9,862 companies in sector 73110 we hold annual accounts for 3,755. 2,993 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-10-2009

Fiscal year end30-09

Activities, NACEBEL

73110Advertising agencies

43320Joinery installation

43341Painting of buildings

43990Other specialised construction activities

43999Specialised construction activities

47521Retail sale of hardware, building materials, paint and glass (general range)

96993Pet care services, excluding veterinary services

Sources

Crossroads Bank for EnterprisesNational Bank · 2 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.