JEAN-PAUL HÖPPNER
ActiveJEAN-PAUL HÖPPNER has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €207k and a net result of €64k. Equity is growing by ~41.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 2027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
99
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 25.15 against 7.59 in 2024; short-term debt: 3.7% and cash: 80.8% of total assets), and 3.7% 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 85
Relative position
BE, all sectors
reference
Sector 85
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
96.3%
Return on assets
30%
Age of the figures
9 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 22-08-2026, 22 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 · 10 filingsDeviation from the deadline
2025
22 d late
2024
on the day
2023
on the day
2022
on the day
2021
2 d early
2020
27 d late
2019
27 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€207k▲ 45.1%
2024 · €143k
2018: €25k
2019: €25k
2020: €25k
2021: €29k
2022: €56k
2023: €101k
2024: €143k
2018 → 2025
Total assets
€215k▲ 31.8%
2024 · €163k
2018: €55k
2019: €49k
2020: €50k
2021: €47k
2022: €77k
2023: €112k
2024: €163k
2018 → 2025
Net result
€64k▲ 54.4%
2024 · €42k
2018: €9k
2019: €626
2020: €-116
2021: €4k
2022: €27k
2023: €45k
2024: €42k
2018 → 2025
Working capital
€191k▲ 41.6%
2024 · €135k
2018: €5k
2019: €13k
2020: €14k
2021: €21k
2022: €47k
2023: €90k
2024: €135k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€56k▲ 92.8%€101k▲ 80.3%€143k▲ 41.3%€207k▲ 45.1%
Operating result€7k-€40k▲ 470%€65k▲ 62.0%€59k▼ 8.4%€91k▲ 53.0%
Net result€4k-€27k▲ 575%€45k▲ 66.8%€42k▼ 7.3%€64k▲ 54.4%
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 recovers in 2025; 2025 is 53% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €215k
Fixed assets
€17k▲ 104%
Current assets
€198k▲ 28.0%
Equity and liabilities €215k
Equity
€207k▲ 45.1%
Debt
€8k▼ 61.4%
The debt ratio falls from 12.5% to 3.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€94k▲
2024 · €62k
Cash flow
€68k▲
2024 · €45k
Solvency
96.3%▲
2024 · 87.5%
Current ratio
25.15▲
2024 · 7.59
Quick ratio
24.45▲
2024 · 7.59
Debt / equity
0.04▼
2024 · 0.14
ROE
31.1%▲
2024 · 29.2%
ROA
30.0%▲
2024 · 25.6%
Interest coverage
168.00▲
2024 · 106.60
Debt
€8k▼
2024 · €20k
Debt ≤ 1 year
€8k▼
2024 · €20k
Income taxes
€26k▲
2024 · €18k
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€163k€215k▲
Fixed assets21/28€8k€17k▲
Tangible fixed assets22/27€8k€17k▲
Furniture and vehicles24€4k€14k▲
Other tangible fixed assets26€5k€3k▼
Current assets29/58€155k€198k▲
Stocks and contracts in progress3-€6k
Stocks30/36-€6k
Amounts receivable within one year40/41€5k€5k▲
Other amounts receivable41€5k€5k▲
Cash at bank and in hand54/58€136k€174k▲
Deferred charges and accrued income490/1€14k€14k▼
Equity and liabilities
Total equity and liabilities10/49€163k€215k▲
Equity10/15€143k€207k▲
Contributions10/11€6k€6k=
Reserves13€115k€179k▲
Distributable reserves133€115k€179k▲
Profit (loss) carried forward14€22k€22k=
Amounts payable17/49€20k€8k▼
Amounts payable within one year42/48€20k€8k▼
Trade debts44€2k€155▼
Suppliers440/4€2k€155▼
Taxes, remuneration and social security45€15k€5k▼
Taxes450/3€15k€5k▼
Other amounts payable47/48€4k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€66k€97k▲
Operating profit (loss)9901€59k€91k▲
Financial income75/76B€743-
Recurring financial income75€743-
Financial charges65/66B€586€562▼
Recurring financial charges65€586€562▼
Profit (loss) for the period before taxes9903€59k€90k▲
Income taxes67/77€18k€26k▲
Profit (loss) for the period9904€42k€64k▲
Profit (loss) for the period to be appropriated9905€42k€64k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€86k▲
Profit (loss) brought forward from the previous period14P€22k€22k=
Transfer to equity691/2€42k€64k▲
To other reserves6921€42k€64k▲
The notes to these accounts (5 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
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 22 days late
2025
31-12
Financial
Highest result since 2018net €64k ▲54.4%
Operating result €91k, net result €64k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 25.15
Current ratio from 7.59 to 25.15; short-term debt falls from €20k to €8k.
31-12
Financial
Equity above €200kEq €207k ▲45.1%
5 profitable years in a row build equity to €207k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 9.28
Current ratio from 3.20 to 9.28; short-term debt falls from €21k to €11k.
31-12
Financial
Equity above €100kEq €101k ▲80.3%
3 profitable years in a row build equity to €101k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €-116 ▼119%
Net result drops to €-116, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 20 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 23 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 days late
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, Maaseik · 1 establishment unit since 2015
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.
Maastrichtersteenweg 293680 MaaseikGround area
577 m²
Building footprint
130 m²
Volume, LiDAR
967 m³
Parcel 72021D0027/00N000, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JP HÖPPNER
since 20152.242.178.952
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72021D0027/00N000 | Flanders | 577 m² | 1 · 130 m² | 11.3 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 11,668 companies in sector 85599 we hold annual accounts for 1,329. 940 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2015
Fiscal year end31-12
Abbreviation NL
JP-HÖPPNER
Activities, NACEBEL
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.