Summary
JBIM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €780k and a net result of €-84k. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 63% of 6156 sector peers (fiscal year 2024). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-06-2025, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
49 d early
2023
50 d early
2022
56 d early
2021
35 d early
2020
44 d early
2019
46 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€780k▼ 9.7%
2023 · €863k
2018: €1.12M
2019: €1.11M
2020: €1.10M
2021: €1.04M
2022: €951k
2023: €863k
2018 → 2024
Net result
€-84k▲ 4.3%
2023 · €-87k
2018: €9k
2019: €-9k
2020: €-13k
2021: €-59k
2022: €-92k
2023: €-87k
2018 → 2024
Total assets
€1.19M▼ 7.5%
2023 · €1.28M
2018: €1.54M
2019: €1.52M
2020: €1.51M
2021: €1.52M
2022: €1.35M
2023: €1.28M
2018 → 2024
Solvency
65.8%▼ 1.6pp
2023 · 67.4%
2018: 72.9%
2019: 73.4%
2020: 73.1%
2021: 68.7%
2022: 70.2%
2023: 67.4%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.10M-€1.04M▼ 5.3%€951k▼ 8.8%€863k▼ 9.2%€780k▼ 9.7%
Operating result€-6k-€-47k▼ 732%€-86k▼ 84.1%€-76k▲ 11.3%€-75k▲ 1.2%
Net result€-13k-€-59k▼ 339%€-92k▼ 56.5%€-87k▲ 4.9%€-84k▲ 4.3%
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 stays negative: a loss of €75k in 2024 against €76k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.19M
Fixed assets
€1.00M ▼ 7.6%
Current assets
€184k ▼ 6.7%
Equity and liabilities €1.19M
Equity
€780k ▼ 9.7%
Debt
€405k ▼ 3.0%
Debt's share of the balance-sheet total rises from 32.6% to 34.2%. Equity and debt are lower.
Key figures and ratios
ROE
-10.7%▼
2023 · -10.1%
ROA
-7.0%▼
2023 · -6.8%
Debt ≤ 1 year
€405k▼
2023 · €418k
Income taxes
€152▼
2023 · €163
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 · 2024 against 2023 · 42 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.28M€1.19M▼
Fixed assets21/28€1.08M€1.00M▼
Tangible fixed assets22/27€1.08M€1.00M▼
Land and buildings22€1.05M€975k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€34k€22k▼
Other tangible fixed assets26€3k€3k=
Current assets29/58€197k€184k▼
Amounts receivable within one year40/41€12k€12k▲
Trade receivables40€11k€12k▲
Other amounts receivable41€462€917▲
Current investments50/53€159k€96k▼
Cash at bank and in hand54/58€25k€74k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.28M€1.19M▼
Equity10/15€863k€780k▼
Contributions10/11€800k€800k=
Revaluation surpluses12€498k€498k=
Reserves13€27k€27k=
Distributable reserves133€27k€27k=
Profit (loss) carried forward14€-462k€-545k▼
Amounts payable17/49€418k€405k▼
Amounts payable within one year42/48€418k€405k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€4k-
Taxes450/3€4k-
Other amounts payable47/48€411k€402k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€86k€84k▼
Other operating charges640/8€5k€10k▲
Gross operating margin9900€15k€19k▲
Operating profit (loss)9901€-76k€-75k▲
Financial income75/76B€1k€4k▲
Recurring financial income75€1k€4k▲
Financial charges65/66B€12k€12k▼
Recurring financial charges65€12k€12k▼
Profit (loss) for the period before taxes9903€-87k€-83k▲
Income taxes67/77€163€152▼
Profit (loss) for the period9904€-87k€-84k▲
Profit (loss) for the period to be appropriated9905€-87k€-84k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-462k€-545k▼
Profit (loss) brought forward from the previous period14P€-374k€-462k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-92k
Net result drops to €-92k, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
14-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Gent · 1 establishment unit since 2011
Ground area
1,089 m²
Building footprint
520 m²
Volume, LiDAR
8,885 m³
2 parcels, Flanders · tallest building 20.6 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
JBS HOLDING
since 20112.199.871.611
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44806F0580/00H012 | Flanders | 937 m² | 1 · 442 m² | 20.6 m · 6 fl. |
| 44816K0957/00A003 | Flanders | 151 m² | 1 · 77 m² | 15.4 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,189 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 (pre-2019)
Founded03-05-2011
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.