JB -BF
ActiveJB -BF has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €233k and a net result of €32k. Equity is growing by ~29.9% per year across the filed fiscal years. Its solvency ranks better than 47% of 12637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-30
Solvency98=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 3.8 against 3.17 in 2024), and 46.4% 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
53.6%
Return on assets
7.5%
Age of the figures
8 mo
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
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
27 d late
2024
21 d early
2023
28 d early
2022
14 d early
2021
44 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€233k▲ 13.3%
2024 · €205k
2021: €64k
2022: €95k
2023: €148k
2024: €205k
2021 → 2025
Total assets
€434k▲ 20.9%
2024 · €359k
2021: €190k
2022: €236k
2023: €272k
2024: €359k
2021 → 2025
Net result
€32k▼ 48.0%
2024 · €62k
2021: €35k
2022: €32k
2023: €54k
2024: €62k
2021 → 2025
Working capital
€225k▲ 57.7%
2024 · €143k
2021: €17k
2022: €14k
2023: €77k
2024: €143k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€95k▲ 48.8%€148k▲ 55.7%€205k▲ 38.9%€233k▲ 13.3%
Operating result€57k-€53k▼ 8.1%€83k▲ 56.3%€92k▲ 11.8%€63k▼ 31.5%
Net result€35k-€32k▼ 8.9%€54k▲ 67.9%€62k▲ 15.6%€32k▼ 48.0%
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 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €434k
Fixed assets
€128k▼ 14.6%
Current assets
€306k▲ 46.6%
Equity and liabilities €434k
Equity
€233k▲ 13.3%
Provisions
€42k
Debt
€159k▲ 3.7%
The debt ratio falls from 42.8% to 36.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€85k▼
2024 · €110k
Cash flow
€54k▼
2024 · €80k
Solvency
53.6%▼
2024 · 57.2%
Current ratio
3.80▲
2024 · 3.17
Quick ratio
3.80▲
2024 · 3.17
Debt / equity
0.68▼
2024 · 0.75
ROE
13.9%▼
2024 · 30.4%
ROA
7.5%▼
2024 · 17.4%
Interest coverage
14.93▼
2024 · 24.71
Debt
€159k▲
2024 · €154k
Debt ≤ 1 year
€80k▲
2024 · €66k
Debt > 1 year
€79k▼
2024 · €88k
Income taxes
€25k▼
2024 · €25k
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€359k€434k▲
Fixed assets21/28€151k€128k▼
Tangible fixed assets22/27€151k€128k▼
Land and buildings22€136k€128k▼
Furniture and vehicles24€14k€0▼
Current assets29/58€209k€306k▲
Amounts receivable within one year40/41€27k€57k▲
Trade receivables40€16k€25k▲
Other amounts receivable41€12k€32k▲
Current investments50/53€70k€43k▼
Cash at bank and in hand54/58€110k€204k▲
Deferred charges and accrued income490/1€787€1k▲
Equity and liabilities
Total equity and liabilities10/49€359k€434k▲
Equity10/15€205k€233k▲
Contributions10/11€1k€1k=
Reserves13€204k€232k▲
Distributable reserves133€204k€232k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16-€42k
Provisions for liabilities and charges160/5-€42k
Other liabilities and charges164/5-€42k
Amounts payable17/49€154k€159k▲
Amounts payable after more than one year17€88k€79k▼
Financial debts170/4€88k€79k▼
Amounts payable within one year42/48€66k€80k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Other amounts payable47/48€45k€62k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€22k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€42k
Other operating charges640/8€5k€2k▼
Gross operating margin9900€115k€129k▲
Operating profit (loss)9901€92k€63k▼
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€88k€58k▼
Income taxes67/77€25k€25k▼
Profit (loss) for the period9904€62k€32k▼
Profit (loss) for the period to be appropriated9905€62k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€62k€32k▼
Transfer from equity791/2€5k€5k▲
Transfer to equity691/2€62k€32k▼
To other reserves6921€62k€32k▼
Profit to be distributed694/7€5k€5k▲
Return on contributions (dividend)694€5k€5k▲
The notes to these accounts (11 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
16-07
State Gazette act
Incorporation · Founder
Founding capital · Bank account
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €62k ▲15.6%
Operating result €92k, net result €62k, both a record.
31-12
Financial
Equity above €200kEq €205k ▲38.9%
4 profitable years in a row build equity to €205k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 3.77
Current ratio from 1.39 to 3.77; short-term debt falls from €35k to €28k.
31-12
Financial
Equity above €100kEq €148k ▲55.7%
3 profitable years in a row build equity to €148k.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €32k ▼8.9%
Net result drops to €32k, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneState Gazette actNBB 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, Geraardsbergen · 1 establishment unit since 2011
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.
Lembosstraat(Gri) 309506 GeraardsbergenGround area
441 m²
Building footprint
93 m²
Volume, LiDAR
688 m³
Parcel 41022A0507/00C002, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Lembosstraat(Gri) 30, 9506 Geraardsbergen
since 20112.203.360.542
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41022A0507/00C002 | Flanders | 441 m² | 1 · 93 m² | 10.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,625 EUR awarded · 1,625 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 996 EUR | 996 EUR |
| 2024 | 1 | 135 EUR | 135 EUR |
| 2023 | 1 | 135 EUR | 255 EUR |
| 2022 | 1 | 359 EUR | 239 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500C38040D8839E53
Similar companies · same sector, comparable size
TEMPERIS
BE 0714.966.115
Waimes · Eq €233k
Accounting Crows
BE 0776.944.066
Beringen · Eq €233k
RIK MAESENAERE
BE 0467.394.696
Diksmuide · Eq €233k
Boekhoudkantoor DD
BE 0416.188.990
Lier · Eq €233k
THEMS MANAGEMENT EN CONSULTING
BE 0467.110.032
Damme · Eq €233k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 6,221 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-2011
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.