Raf Jansen
ActiveRaf Jansen has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €315k and a net result of €80k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 25.49 against 5.09 in 2024), and 3.5% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
96.5%
Return on assets
24.4%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
28 d late
2023
19 d early
2022
29 d late
2021
2 d late
2020
9 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close15-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€315k▲ 33.8%
2024 · €236k
2019: €134k
2020: €152k
2021: €116k
2022: €145k
2023: €206k
2024: €236k
2019 → 2025
Total assets
€327k▲ 15.2%
2024 · €284k
2019: €178k
2020: €232k
2021: €191k
2022: €223k
2023: €251k
2024: €284k
2019 → 2025
Net result
€80k▲ 16.8%
2024 · €68k
2019: €31k
2020: €68k
2021: €78k
2022: €68k
2023: €61k
2024: €68k
2019 → 2025
Working capital
€277k▲ 41.0%
2024 · €196k
2019: €16k
2020: €53k
2021: €50k
2022: €81k
2023: €154k
2024: €196k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€116k-€145k▲ 25.7%€206k▲ 41.8%€236k▲ 14.4%€315k▲ 33.8%
Operating result€108k-€104k▼ 3.1%€95k▼ 8.7%€101k▲ 6.1%€100k▼ 0.9%
Net result€78k-€68k▼ 12.5%€61k▼ 10.6%€68k▲ 12.4%€80k▲ 16.8%
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 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €327k
Fixed assets
€39k▼ 1.8%
Current assets
€288k▲ 17.9%
Equity and liabilities €327k
Equity
€315k▲ 33.8%
Debt
€11k▼ 76.4%
The debt ratio falls from 16.9% to 3.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€101k▼
2024 · €102k
Cash flow
€80k▲
2024 · €69k
Solvency
96.5%▲
2024 · 83.1%
Current ratio
25.49▲
2024 · 5.09
Quick ratio
25.49▲
2024 · 5.09
Debt / equity
0.04▼
2024 · 0.20
ROE
25.3%▼
2024 · 29.0%
ROA
24.4%▲
2024 · 24.1%
Interest coverage
48.15▲
2024 · 37.06
Debt
€11k▼
2024 · €48k
Debt ≤ 1 year
€11k▼
2024 · €48k
Income taxes
€30k▼
2024 · €30k
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€284k€327k▲
Fixed assets21/28€40k€39k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€0-
Financial fixed assets28€36k€36k=
Current assets29/58€244k€288k▲
Amounts receivable within one year40/41€7k€8k▲
Other amounts receivable41€7k€8k▲
Current investments50/53€27k€39k▲
Cash at bank and in hand54/58€209k€238k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€284k€327k▲
Equity10/15€236k€315k▲
Contributions10/11€19k€19k=
Reserves13€217k€297k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€217k€297k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€48k€11k▼
Amounts payable within one year42/48€48k€11k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€997€2k▲
Suppliers440/4€997€2k▲
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€10k€8k▼
Other amounts payable47/48€37k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€308€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€711€711=
Other operating charges640/8€2k€1k▼
Gross operating margin9900€104k€102k▼
Operating profit (loss)9901€101k€100k▼
Financial income75/76B€5€11k▲
Recurring financial income75€5€11k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€98k€110k▲
Income taxes67/77€30k€30k▼
Profit (loss) for the period9904€68k€80k▲
Profit (loss) for the period to be appropriated9905€68k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€80k▲
Transfer from equity791/2€39k€0▼
Transfer to equity691/2€68k€80k▲
To other reserves6921€68k€80k▲
Profit to be distributed694/7€39k€0▼
Return on contributions (dividend)694€39k€0▼
The notes to these accounts (6 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
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €80k ▲16.8%
Net result €80k, the highest in the series.
31-03
Financial
Liquidity times 5current ratio 25.49
Current ratio from 5.09 to 25.49; short-term debt falls from €48k to €11k.
2024
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2023
12-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 4.41
Current ratio from 2.06 to 4.41; short-term debt falls from €76k to €45k.
31-03
Financial
Equity above €200kEq €206k ▲41.8%
5 profitable years in a row build equity to €206k.
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2021
02-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
31-03
Financial
Equity above €150kEq €152k ▲13.7%
2 profitable years in a row build equity to €152k.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
18-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-10
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
1 act for this company is 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, Hechtel-Eksel · 1 establishment unit since 2009
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.
Pater Malletstraat 143940 Hechtel-EkselGround area
801 m²
Building footprint
302 m²
Volume, LiDAR
2,549 m³
Parcel 72013D0609/00X000, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Pater Malletstraat 14, 3940 Hechtel-Eksel
since 20092.180.541.390
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72013D0609/00X000 | Flanders | 801 m² | 1 · 302 m² | 12.1 m · 3 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
HEMATCO
BE 0656.605.965
Gent · Eq €315k
M&K Management
BE 0717.656.973
Quaregnon · Eq €315k
GROEP GORA
BE 0738.915.217
Eeklo · Eq €316k
AJ CONSULTING
BE 0899.266.313
Mouscron · Eq €316k
GBUSY
BE 0763.888.856
Edegem · Eq €316k
Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 37,700 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2009
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.