J.P.L.
ActiveJ.P.L. has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.23M and a net result of €6k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 13977 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▲+6
Solvency58▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity short (current ratio 0.14 against 1.26 in 2024; short-term debt: 10.7% and cash: 0.6% of total assets), and 67.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
32.6%
Return on assets
0.1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
18 d early
2023
27 d late
2022
392 d late
2021
5 d early
2020
3 d early
2019
10 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€6k
2024 · €-71k
2019: €1.48M
2020: €245k
2021: €124k
2022: €244k
2023: €-14k
2024: €-71k
2019 → 2025
Working capital
€-630k
2024 · €209k
2019: €1.04M
2020: €169k
2021: €581k
2022: €2.37M
2023: €1.65M
2024: €209k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.22M-€2.47M▲ 11.0%€2.45M▼ 0.6%€2.22M▼ 9.4%€2.23M▲ 0.2%
Operating result€514k-€779k▲ 51.4%€30k▼ 96.1%€80k▲ 163%€178k▲ 123%
Net result€124k-€244k▲ 97.6%€-14k€-71k▼ 408%€6k
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 123% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.83M
Fixed assets
€6.73M▲ 7.2%
Current assets
€99k▼ 90.3%
Equity and liabilities €6.83M
Equity
€2.23M▲ 0.2%
Provisions
€1.78M▼ 10.4%
Debt
€2.83M▼ 8.8%
The debt ratio falls from 42.5% to 41.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€608k▲
2024 · €473k
Cash flow
€436k▲
2024 · €323k
Solvency
32.6%▲
2024 · 30.4%
Current ratio
0.14▼
2024 · 1.26
Quick ratio
0.14▼
2024 · 0.44
Debt / equity
1.27▼
2024 · 1.40
ROE
0.3%▲
2024 · -3.2%
ROA
0.1%▲
2024 · -1.0%
Interest coverage
3.64▲
2024 · 3.08
Debt
€2.83M▼
2024 · €3.10M
Debt ≤ 1 year
€729k▼
2024 · €817k
Debt > 1 year
€2.10M▼
2024 · €2.29M
Income taxes
€8k▼
2024 · €12k
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€7.31M€6.83M▼
Fixed assets21/28€6.28M€6.73M▲
Tangible fixed assets22/27€6.28M€6.73M▲
Land and buildings22€6.16M€6.64M▲
Plant, machinery and equipment23€34k€27k▼
Furniture and vehicles24€85k€63k▼
Current assets29/58€1.03M€99k▼
Stocks and contracts in progress3€664k€0▼
Stocks30/36€664k€0▼
Amounts receivable within one year40/41€37k€54k▲
Trade receivables40€35k€54k▲
Other amounts receivable41€2k€0▼
Cash at bank and in hand54/58€298k€38k▼
Deferred charges and accrued income490/1€27k€8k▼
Equity and liabilities
Total equity and liabilities10/49€7.31M€6.83M▼
Equity10/15€2.22M€2.23M▲
Contributions10/11€286k€285k▼
Capital10€286k€285k▼
Issued capital100€286k€285k▼
Reserves13€2.02M€2.02M=
Non-distributable reserves130/1€29k€29k=
Legal reserve130€29k€29k=
Distributable reserves133€1.99M€1.99M=
Profit (loss) carried forward14€-80k€-74k▲
Provisions and deferred taxes16€1.98M€1.78M▼
Provisions for liabilities and charges160/5€1.98M€1.78M▼
Environmental obligations163€1.98M€1.78M▼
Amounts payable17/49€3.10M€2.83M▼
Amounts payable after more than one year17€2.29M€2.10M▼
Financial debts170/4€1.74M€1.55M▼
Other amounts payable178/9€550k€550k=
Amounts payable within one year42/48€817k€729k▼
Current portion of amounts payable after more than one year42€179k€186k▲
Trade debts44€174k€163k▼
Suppliers440/4€174k€163k▼
Taxes, remuneration and social security45€31k€41k▲
Taxes450/3€31k€41k▲
Other amounts payable47/48€433k€339k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€393k€430k▲
Other operating charges640/8€59k€67k▲
Non-recurring operating charges66A-€647
Gross operating margin9900€533k€676k▲
Operating profit (loss)9901€80k€178k▲
Financial income75/76B€15k€3k▼
Recurring financial income75€15k€3k▼
Financial charges65/66B€154k€167k▲
Recurring financial charges65€154k€167k▲
Profit (loss) for the period before taxes9903€-59k€14k▲
Income taxes67/77€12k€8k▼
Profit (loss) for the period9904€-71k€6k▲
Profit (loss) for the period to be appropriated9905€-71k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-80k€-74k▲
Profit (loss) brought forward from the previous period14P€-9k€-80k▼
Transfer from equity791/2€160k€0▼
Profit to be distributed694/7€160k€0▼
Return on contributions (dividend)694€160k€0▼
The notes to these accounts (8 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
13-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Weakest financial yearnet €-71k
Net result drops to €-71k, the lowest in the series; recovery starts the following year.
27-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 392 days late
2022
30-06
Financial
Liquidity doublescurrent ratio 4.16
Current ratio from 1.69 to 4.16; short-term debt falls from €838k to €752k.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Equity above €2MEq €2.10M ▲13.2%
2 profitable years in a row build equity to €2.10M.
10-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 10 days late
2019
19-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 47 days late
2018
13-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Enghien · 1 establishment unit since 1989
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.
Brusselsesteenweg(P.E.) 3597850 EnghienGround area
2,557 m²
Building footprint
3,179 m²
Volume, LiDAR
24,320 m³
Parcel 55033D0127/00M002, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
J.P.L. SA
since 19892.043.994.391
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55033D0127/00M002 | Wallonia | 2,557 m² | 1 · 3,179 m² | 10.2 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.
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Of 12,016 companies in sector 68203 we hold annual accounts for 5,983. 3,522 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-06-1989
Fiscal year end30-06
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
68122Development of non-residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.