J. DE GREEF
ActiveJ. DE GREEF has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €272k and a net result of €4k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 89% of 7692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+57
Solvency100=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 2.33 against 1.66 in 2024; short-term debt: 18.2% and cash: 13.5% of total assets), and 18.2% 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+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
81.8%
Return on assets
1.1%
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
1 d late
2023
on the day
2022
28 d late
2021
4 d early
2020
30 d early
2019
30 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, abbreviated schema
Equity
€272k▲ 1.4%
2024 · €268k
2018: €305k
2019: €293k
2020: €304k
2021: €314k
2022: €315k
2023: €296k
2024: €268k
2018 → 2025
Total assets
€332k▼ 6.5%
2024 · €355k
2018: €391k
2019: €345k
2020: €354k
2021: €356k
2022: €400k
2023: €381k
2024: €355k
2018 → 2025
Net result
€4k
2024 · €-28k
2018: €-13k
2019: €-12k
2020: €10k
2021: €11k
2022: €1k
2023: €-19k
2024: €-28k
2018 → 2025
Working capital
€80k▲ 41.7%
2024 · €57k
2018: €150k
2019: €135k
2020: €131k
2021: €143k
2022: €149k
2023: €103k
2024: €57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€314k-€315k▲ 0.3%€296k▼ 6.0%€268k▼ 9.5%€272k▲ 1.4%
Operating result€11k-€3k▼ 69.2%€-11k€-28k▼ 153%€25
Net result€11k-€1k▼ 90.0%€-19k€-28k▼ 48.1%€4k
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 returns to profit in 2025: €25 after a loss of €28k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €332k
Fixed assets
€192k▼ 10.0%
Current assets
€141k▼ 1.3%
Equity and liabilities €332k
Equity
€272k▲ 1.4%
Debt
€60k▼ 30.8%
The debt ratio falls from 24.6% to 18.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28k▲
2024 · €1k
Cash flow
€32k▲
2024 · €1k
Solvency
81.8%▲
2024 · 75.4%
Current ratio
2.33▲
2024 · 1.66
Quick ratio
1.30▲
2024 · 1.02
Debt / equity
0.22▼
2024 · 0.33
ROE
1.4%▲
2024 · -10.5%
ROA
1.1%▲
2024 · -7.9%
Interest coverage
13.40▲
2024 · 0.50
Debt
€60k▼
2024 · €87k
Debt ≤ 1 year
€60k▼
2024 · €86k
Income taxes
€-5k▼
2024 · €-1k
Staff costs
€82k▲
2024 · €57k
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€355k€332k▼
Fixed assets21/28€213k€192k▼
Tangible fixed assets22/27€213k€192k▼
Land and buildings22€125k€123k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€43k€30k▼
Other tangible fixed assets26€41k€37k▼
Current assets29/58€143k€141k▼
Stocks and contracts in progress3€55k€62k▲
Stocks30/36€55k€62k▲
Amounts receivable within one year40/41€3k€30k▲
Trade receivables40€3k€25k▲
Other amounts receivable41€78€5k▲
Cash at bank and in hand54/58€82k€45k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€355k€332k▼
Equity10/15€268k€272k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€250k€253k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€248k€251k▲
Amounts payable17/49€87k€60k▼
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€86k€60k▼
Current portion of amounts payable after more than one year42€21k€3k▼
Trade debts44€42k€37k▼
Suppliers440/4€42k€37k▼
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€3k€2k▼
Other amounts payable47/48€15k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62€57k€82k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€28k▼
Other operating charges640/8€5k€5k▼
Gross operating margin9900€63k€115k▲
Operating profit (loss)9901€-28k€25▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-29k€-961▲
Income taxes67/77€-1k€-5k▼
Profit (loss) for the period9904€-28k€4k▲
Profit (loss) for the period to be appropriated9905€-28k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€4k▲
Transfer from equity791/2€28k-
Transfer to equity691/2-€4k
To other reserves6921-€4k
The notes to these accounts (4 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €11k ▲1.9%
Net result €11k, the highest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Steenokkerzeel · 1 establishment unit since 1976
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.
Keistraat 261820 SteenokkerzeelGround area
1,451 m²
Building footprint
509 m²
Volume, LiDAR
1,988 m³
Parcel 23081A0152/00K000, Flanders · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Keistraat 26, 1820 Steenokkerzeel
since 19762.013.532.532
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23081A0152/00K000 | Flanders | 1,451 m² | 1 · 509 m² | 5.2 m · 1 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
A.D.A. PROJECTS
BE 0502.405.461
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TRAP - DIVISION IMPORT
BE 0462.912.803
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BEYAERT VLOEREN
BE 0420.769.073
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VM-TEGELS
BE 0714.940.082
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MILANI
BE 0461.901.429
Steenokkerzeel · Eq €270k
Of 3,962 companies in sector 43331 we hold annual accounts for 1,791. 1,308 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1976
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
51532
52462
Sources
Crossroads Bank for EnterprisesNational Bank · 48 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.