Jennifer Duval · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Jennifer Duval is 0.3% (very low). The 2024 annual accounts show equity of €86k and a net result of €84k. Its solvency ranks better than 82% of 301 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 82% of 301 peers (2024). A comfortable equity buffer.

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

How we compute the deadline

There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2024	31-07-2025	27-08-2025	27 d late	2025-00426977

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Young company

Founded in 2024, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.3% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€84k

Working capital€86k

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 27-08-2025 with the NBB · fiscal year 2024 · volledig

Sector comparison

Fiscal year 2024 · NACE 69, Legal & accounting · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	68.3%	22.9%	better than 82% of 301 sector peers
Net result	€84k	€74k	better than 53% of 300 sector peers
Equity	€86k	€115k	better than 45% of 301 sector peers
Gross operating margin	€108k	€244k	better than 38% of 290 sector peers
Total assets	€126k	€931k	better than 22% of 302 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	volledig
Revenue	-
EBITDA	€108k
Net profit	€84k
Cash flow	€84k
Staff costs	-
Income taxes	€23k
Dividends	-
Total assets	€126k
Equity	€86k
Debt	€40k
of which ≤ 1y	€40k
of which > 1y	-
Working capital	€86k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	3.15
Quick ratio	3.15
Working capital ratio	68.2%
Solvency	68.3%
Debt / equity	0.46
Long-term debt ratio	-
Interest coverage	457.67
Gross margin	-
Net margin	-
ROA	66.7%
ROE	97.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €86 · 0.1% Current assets €126k · 99.9%

Equity & liabilities

Equity €86k · 68.3% Debt €40k · 31.7%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€126k
Fixed assets	21/28	€86
Tangible fixed assets	22/27	€86
Current assets	29/58	€126k
Amounts receivable within one year	40/41	€86k
Cash & bank	54/58	€41k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€126k
Equity	10/15	€86k
Contributions / capital	10/11	€2k
Reserves	13	€80k
Accumulated profits (losses)	14	€4k
Amounts payable	17/49	€40k
Amounts payable within one year	42/48	€40k
Trade debts payable within one year	44	€23
Income statement
Gross operating margin	9900	€108k
Operating result	9901	€107k
Financial charges	65	€235
Result before taxes	9903	€107k
Income taxes	67/77	€23k
Net result for the period	9904	€84k
Result to be appropriated	9905	€84k

Ratios computed by Checked.

Health barometer

FY 2024 · computed

93 / 100 Excellent

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Meerweg 1131601 Sint-Pieters-Leeuw

Establishment units

1 location

Meerweg 113, 1601 Sint-Pieters-Leeuw

Activiteiten van advocaten

since 20242.357.654.680

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,913 m²

Buildings1

Building footprint490 m²

Volume (LiDAR)2,825 m³

Tallest building8.4 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23069A0105/00F000	Flanders	1,913 m²	1 · 490 m²	8.4 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

90 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 93

Profitability 100

Solvency 100

Growth -

Stability 67

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