Summary
Conclusion
the dossier summarised in one paragraphJSB has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €72k and a net result of €16k. The computed 12-month bankruptcy probability is 0.9% (low).
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Timeline
What happened to this company, by date
State Gazette, CBE and NBB in one series · 0 of 4 acts readA single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
18-07-2025 NBB filing Annual accounts filed
29-08-2024 NBB filing Annual accounts filed
31-08-2023 NBB filing Annual accounts filed
31-08-2022 NBB filing Annual accounts filed
31-08-2021 NBB filing Annual accounts filed
Financials
Turnover and EBIT margin not published: the micro schema does not require them.
Checked score · what it rests on
FY 2024 · computed · 4 of 5 axes measuredThe Checked score at the top is a single figure for the whole company. The axes below set that score, as the Health axis, beside the other dimensions, so you can see whether a good score holds everywhere or rests on one point.
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Figures by fiscal year
Source: NBB · 2024Figures by fiscal year and ratios
| Fiscal year | 2024 |
|---|---|
| Deposit | micro schema |
| Revenue | - |
| EBITDA | €30k |
| Net profit | €16k |
| Cash flow | €25k |
| Staff costs | - |
| Income taxes | €3k |
| Dividends | €20k |
| Total assets | €122k |
| Equity | €72k |
| Debt | €50k |
| of which ≤ 1y | €29k |
| of which > 1y | €21k |
| Working capital | €46k |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | 2.57 |
| Quick ratio | 2.47 |
| Working capital ratio | 37.6% |
| Solvency | 59.1% |
| Debt / equity | 0.69 |
| Long-term debt ratio | 0.29 |
| Interest coverage | 24.81 |
| Gross margin | - |
| Net margin | - |
| ROA | 12.8% |
| ROE | 21.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (25 line items)
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €122k |
| Fixed assets | 21/28 | €47k |
| Tangible fixed assets | 22/27 | €46k |
| Financial fixed assets | 28 | €1k |
| Current assets | 29/58 | €75k |
| Stocks & contracts in progress | 3 | €3k |
| Amounts receivable within one year | 40/41 | €9k |
| Cash & bank | 54/58 | €61k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €122k |
| Equity | 10/15 | €72k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €50k |
| Accumulated profits (losses) | 14 | €4k |
| Amounts payable | 17/49 | €50k |
| Amounts payable after one year | 17 | €21k |
| Amounts payable within one year | 42/48 | €29k |
| Trade debts payable within one year | 44 | €628 |
| Income statement | ||
| Gross operating margin | 9900 | €31k |
| Operating result | 9901 | €20k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €19k |
| Income taxes | 67/77 | €3k |
| Net result for the period | 9904 | €16k |
| Result to be appropriated | 9905 | €16k |
Signals
Filing behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not confirmed | - |
| 31-12-2024 | 31-07-2025 | 18-07-2025 | 13 d early | 2025-00289246 |
| 31-12-2023 | 31-07-2024 | 29-08-2024 | 29 d late | 2024-00416866 |
| 31-12-2022 | 31-07-2023 | 31-08-2023 | 31 d late | 2023-00420916 |
| 31-12-2021 | 31-07-2022 | 31-08-2022 | 31 d late | 2022-20374553 |
| 31-12-2020 | 31-07-2021 | 31-08-2021 | 31 d late | 2021-62400057 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsNo strikeouts found in the KBO publications · how complete this is
Structure & network
Connections & network
1 connected companyOwnership & control
1 partyEach band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankThis address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Brusselstraat 7181700 DilbeekEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23079A0212/00M002 | Flanders | 1,257 m² | 1 · 100 m² | 11.5 m · 3 fl. |
Publications
Belgian State Gazette · acts
0 of 4 acts readWe know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | JSB |