JBF INVEST
ActiveJBF INVEST has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €43k. Its solvency ranks better than 12% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability54
Solvency29
Growth-
Track record67
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.03; short-term debt: 34.3% and cash: 0.9% of total assets), and 95.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
4.3%
Return on assets
3.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 31584 sector peers (2025).
NBB · sector comparisonPosition among 31584 sector peers
Solvency
better than 12%
← weakest
strongest →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€48k
Total assets
€1.13M
Net result
€43k
Working capital
€-374k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €1.13M
Fixed assets
€1.11M
Current assets
€12k
Equity and liabilities €1.13M
Equity
€48k
Debt
€1.08M
Debt finances 95.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€127k
Cash flow
€80k
Solvency
4.3%
Current ratio
0.03
Quick ratio
0.03
Debt / equity
22.28
ROE
89.7%
ROA
3.9%
Interest coverage
3.67
Debt
€1.08M
Debt ≤ 1 year
€386k
Debt > 1 year
€691k
Income taxes
€13k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€1.13M
Fixed assets21/28€1.11M
Tangible fixed assets22/27€212k
Land and buildings22€169k
Furniture and vehicles24€43k
Financial fixed assets28€902k
Current assets29/58€12k
Cash at bank and in hand54/58€10k
Deferred charges and accrued income490/1€3k
Equity and liabilities
Total equity and liabilities10/49€1.13M
Equity10/15€48k
Contributions10/11€5k
Profit (loss) carried forward14€43k
Amounts payable17/49€1.08M
Amounts payable after more than one year17€691k
Financial debts170/4€691k
Amounts payable within one year42/48€386k
Current portion of amounts payable after more than one year42€65k
Trade debts44€184
Suppliers440/4€184
Taxes, remuneration and social security45€13k
Taxes450/3€13k
Other amounts payable47/48€308k
Accrued charges and deferred income492/3€1k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k
Other operating charges640/8€2k
Gross operating margin9900€129k
Operating profit (loss)9901€91k
Financial charges65/66B€35k
Recurring financial charges65€35k
Profit (loss) for the period before taxes9903€56k
Income taxes67/77€13k
Profit (loss) for the period9904€43k
Profit (loss) for the period to be appropriated9905€43k
Appropriation of the result
Profit (loss) to be appropriated9906€43k
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
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Wavre · 1 establishment unit since 2024
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.
Rue du Chemin de Fer 191300 WavreGround area
62 m²
Building footprint
62 m²
Volume, LiDAR
632 m³
Parcel 25112M0287/00F000, Wallonia · tallest building 12.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
JBF Invest
since 20242.369.315.961
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112M0287/00F000 | Wallonia | 62 m² | 1 · 62 m² | 12.5 m · 4 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 82,554 companies in sector 70200 we hold annual accounts for 52,570. 37,987 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.