Anders JD
ActiveSummary
The computed 12-month bankruptcy probability of Anders JD is 4.7% (elevated). The 2025 annual accounts show equity of €319k and a net result of €23k. Equity is growing by ~27.5% per year across the filed fiscal years. Its solvency ranks better than 63% of 3674 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-11
Solvency68▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
4.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days only on tighter terms
Liquidity tight (current ratio 1.4 against 1.31 in 2024; short-term debt: 44.2% and cash: 18.8% of total assets), and 57.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
42.8%
Return on assets
3%
Age of the figures
9 mo
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 09-07-2026, 22 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
22 d early
2024
7 d late
2023
16 d early
2022
33 d early
2021
16 d early
2020
19 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€319k▲ 7.2%
2024 · €298k
2020: €49k
2021: €100k
2022: €175k
2023: €272k
2024: €298k
2020 → 2025
Total assets
€746k▲ 15.1%
2024 · €648k
2020: €121k
2021: €233k
2022: €280k
2023: €430k
2024: €648k
2020 → 2025
Net result
€23k▼ 12.8%
2024 · €26k
2020: €29k
2021: €52k
2022: €75k
2023: €97k
2024: €26k
2020 → 2025
Working capital
€130k▲ 77.9%
2024 · €73k
2020: €12k
2021: €65k
2022: €119k
2023: €208k
2024: €73k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€100k-€175k▲ 74.5%€272k▲ 55.4%€298k▲ 9.5%€319k▲ 7.2%
Operating result€58k-€114k▲ 98.8%€155k▲ 35.3%€58k▼ 62.7%€96k▲ 65.7%
Net result€52k-€75k▲ 44.6%€97k▲ 29.7%€26k▼ 73.4%€23k▼ 12.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 66% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €746k
Fixed assets
€286k ▼ 15.1%
Current assets
€459k ▲ 47.8%
Equity and liabilities €746k
Equity
€319k ▲ 7.2%
Debt
€426k ▲ 21.8%
Debt's share of the balance-sheet total rises from 54.0% to 57.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€189k▲
2024 · €115k
Cash flow
€116k▲
2024 · €83k
Current ratio
1.40▲
2024 · 1.31
Quick ratio
1.19▲
2024 · 1.19
Debt to equity
1.33▲
2024 · 1.17
ROE
7.1%▼
2024 · 8.7%
ROA
3.0%▼
2024 · 4.0%
Interest coverage
2.84▼
2024 · 3.96
Debt ≤ 1 year
€329k▲
2024 · €238k
Debt > 1 year
€94k▼
2024 · €110k
Income taxes
€7k▲
2024 · €6k
Staff costs
€1.16M▲
2024 · €725k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 60 lines
Balance sheet
Code20242025
Assets
Total assets20/58€648k€746k▲
Fixed assets21/28€337k€286k▼
Intangible fixed assets21€65k€59k▼
Tangible fixed assets22/27€272k€228k▼
Land and buildings22€13k€21k▲
Plant, machinery and equipment23€158k€127k▼
Furniture and vehicles24€90k€72k▼
Other tangible fixed assets26€10k€8k▼
Current assets29/58€311k€459k▲
Stocks and contracts in progress3€29k€67k▲
Stocks30/36€29k€67k▲
Amounts receivable within one year40/41€62k€217k▲
Trade receivables40€5k€5k=
Other amounts receivable41€57k€212k▲
Current investments50/53€0-
Cash at bank and in hand54/58€202k€141k▼
Deferred charges and accrued income490/1€19k€35k▲
Equity and liabilities
Total equity and liabilities10/49€648k€746k▲
Equity10/15€298k€319k▲
Contributions10/11€20k€20k=
Reserves13€278k€299k▲
Distributable reserves133€278k€299k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€350k€426k▲
Amounts payable after more than one year17€110k€94k▼
Financial debts170/4€110k€94k▼
Amounts payable within one year42/48€238k€329k▲
Current portion of amounts payable after more than one year42€44k€44k▼
Financial debts43€323€2k▲
Credit institutions430/8€323€2k▲
Other loans439€0-
Trade debts44€55k€135k▲
Suppliers440/4€55k€135k▲
Advances received on contracts in progress46€5k€0▼
Taxes, remuneration and social security45€123k€137k▲
Taxes450/3€28k€32k▲
Remuneration and social security454/9€94k€104k▲
Other amounts payable47/48€10k€12k▲
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Non-recurring operating income76A€65k€0▼
Remuneration, social security and pensions62€725k€1.16M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€93k▲
Other operating charges640/8€3k€5k▲
Gross operating margin9900€843k€1.35M▲
Operating profit (loss)9901€58k€96k▲
Financial income75/76B€3k€7▼
Recurring financial income75€3k€7▼
Financial charges65/66B€29k€66k▲
Recurring financial charges65€29k€66k▲
Profit (loss) for the period before taxes9903€32k€29k▼
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€26k€23k▼
Profit (loss) for the period to be appropriated9905€26k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€278k€23k▼
Profit (loss) brought forward from the previous period14P€252k€0▼
Transfer to equity691/2€278k€21k▼
To other reserves6921€278k€21k▼
Profit to be distributed694/7-€1k
Directors or managers695-€1k
Social balance
Average headcount (FTE)908717.426.5▲
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
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €23k ▼12.8%
Net result drops to €23k, the lowest in the series.
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 7 days late
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2020net €97k ▲29.7%
Operating result €155k, net result €97k, both a record.
31-12
Financial
Equity above €200kEq €272k ▲55.4%
4 profitable years in a row build equity to €272k.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €175k ▲74.5%
3 profitable years in a row build equity to €175k.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €100k ▲106%
2 profitable years in a row build equity to €100k.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Begijnendijk · 3 establishment units since 2019
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.
Liersesteenweg 813130 BegijnendijkGround area
4,718 m²
Building footprint
1,283 m²
Volume, LiDAR
6,725 m³
3 parcels, Flanders · tallest building 13.2 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
Anders JD
since 20192.295.608.334
Anders JD
since 20242.354.979.559
Anders JD
since 20242.364.205.249
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24007B0020/00C005 | Flanders | 2,076 m² | 1 · 365 m² | 10.6 m · 2 fl. |
| 13046B0370/00L000 | Flanders | 1,661 m² | 1 · 249 m² | 7.4 m · 2 fl. |
| 13017G0512/00P000 | Flanders | 981 m² | 1 · 669 m² | 13.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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
2025 · 1 entry · 1,000 EUR awarded · 1,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
Schemes
Premie kwalificerend werkplekleren
Recognitions · licences · registrations
Food safety, FASFC
3 sitesBegijnendijk2.354.979.559
Kasterlee2.295.608.334
Vosselaar2.364.205.249
Dual-learning approval
14 live approvalsGrootkeuken en catering duaal (so)
Hulpkelner (vwo)
Hulpkelner (vwo)
Hulpkelner duaal (so)
Hulpkelner duaal (so)
Keukenmedewerker (vwo)
Show 8 more
Keukenmedewerker (vwo)
Keukenmedewerker (vwo)
Keukenmedewerker duaal (so)
Keukenmedewerker duaal (so)
Keukenmedewerker duaal (so)
Restaurant en keuken duaal (so)
Restaurant en keuken duaal (so)
Restaurant en keuken duaal (so)
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SU PRANU
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Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 2,552 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.