JERNIK
ActiveJERNIK has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €727k and a net result of €100k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 40% of 80 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
61
/ 100
Healthy▲ +41 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+69
Solvency34▲+13
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity short (current ratio 0.51 against 0.59 in 2024), and 70.9% 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 50
Relative position
BE, all sectors
reference
Sector 50
lower
← fewer bankruptcies
more bankruptcies →
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
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
29.1%
Return on assets
4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 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.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
27 d late
2022
2 d late
2021
30 d late
2020
26 d late
2019
67 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, abbreviated schema
Equity
€727k▲ 15.9%
2024 · €627k
2018: €385k
2019: €448k
2020: €392k
2021: €369k
2022: €689k
2023: €637k
2024: €627k
2018 → 2025
Total assets
€2.50M▼ 12.8%
2024 · €2.87M
2018: €4.75M
2019: €4.32M
2020: €4.08M
2021: €3.76M
2022: €3.41M
2023: €3.36M
2024: €2.87M
2018 → 2025
Net result
€100k
2024 · €-10k
2018: €145k
2019: €63k
2020: €-56k
2021: €-24k
2022: €320k
2023: €208k
2024: €-10k
2018 → 2025
Working capital
€-245k▼ 6.3%
2024 · €-231k
2018: €375k
2019: €-91k
2020: €-413k
2021: €38k
2022: €-14k
2023: €-142k
2024: €-231k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€369k-€689k▲ 86.9%€637k▼ 7.6%€627k▼ 1.5%€727k▲ 15.9%
Operating result€51k-€458k▲ 794%€367k▼ 19.8%€46k▼ 87.5%€199k▲ 334%
Net result€-24k-€320k€208k▼ 35.2%€-10k€100k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 334% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.50M
Fixed assets
€2.25M▼ 11.1%
Current assets
€250k▼ 25.4%
Equity and liabilities €2.50M
Equity
€727k▲ 15.9%
Debt
€1.77M▼ 20.8%
The debt ratio falls from 78.1% to 70.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€506k▲
2024 · €351k
Cash flow
€407k▲
2024 · €296k
Solvency
29.1%▲
2024 · 21.9%
Current ratio
0.51▼
2024 · 0.59
Quick ratio
0.51▼
2024 · 0.59
Debt / equity
2.44▼
2024 · 3.57
ROE
13.7%▲
2024 · -1.5%
ROA
4.0%▲
2024 · -0.3%
Interest coverage
7.96▲
2024 · 5.93
Debt
€1.77M▼
2024 · €2.24M
Debt ≤ 1 year
€496k▼
2024 · €566k
Debt > 1 year
€1.28M▼
2024 · €1.67M
Income taxes
€43k▲
2024 · €4k
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€2.87M€2.50M▼
Fixed assets21/28€2.53M€2.25M▼
Tangible fixed assets22/27€2.53M€2.25M▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€2.53M€2.25M▼
Financial fixed assets28€0-
Current assets29/58€335k€250k▼
Amounts receivable within one year40/41€151k€247k▲
Trade receivables40€0€77k▲
Other amounts receivable41€151k€170k▲
Current investments50/53€149k€1k▼
Cash at bank and in hand54/58€0-
Deferred charges and accrued income490/1€36k€2k▼
Equity and liabilities
Total equity and liabilities10/49€2.87M€2.50M▼
Equity10/15€627k€727k▲
Contributions10/11€21k€21k=
Reserves13€615k€645k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€204k€204k=
Distributable reserves133€409k€439k▲
Profit (loss) carried forward14€-10k€60k▲
Amounts payable17/49€2.24M€1.77M▼
Amounts payable after more than one year17€1.67M€1.28M▼
Financial debts170/4€1.67M€1.28M▼
Amounts payable within one year42/48€566k€496k▼
Current portion of amounts payable after more than one year42€396k€396k=
Financial debts43€13k€3k▼
Credit institutions430/8€13k€3k▼
Trade debts44€53k€13k▼
Suppliers440/4€53k€13k▼
Taxes, remuneration and social security45€104k€84k▼
Taxes450/3€104k€82k▼
Remuneration and social security454/9€0€1k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€305k€307k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€0▼
Other operating charges640/8€36k€30k▼
Gross operating margin9900€389k€536k▲
Operating profit (loss)9901€46k€199k▲
Financial income75/76B€8k€8k▼
Recurring financial income75€8k€8k▼
Financial charges65/66B€59k€64k▲
Recurring financial charges65€59k€64k▲
Profit (loss) for the period before taxes9903€-5k€143k▲
Income taxes67/77€4k€43k▲
Profit (loss) for the period9904€-10k€100k▲
Profit (loss) for the period to be appropriated9905€-10k€100k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€90k▲
Profit (loss) brought forward from the previous period14P-€-10k
Transfer from equity791/2€0-
Transfer to equity691/2-€30k
To other reserves6921-€30k
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (15 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 · abbreviated schema · 27 days late
2025
31-12
Financial
Back to profitnet €100k
Net result €100k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
2022
31-12
Financial
Back to profitnet €320k
Net result €320k after 2 loss-making years.
31-12
Financial
Equity above €500kEq €689k ▲86.9%
Equity rises from €369k to €689k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 1.07
Current ratio from 0.32 to 1.07; short-term debt falls from €611k to €537k.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
31-12
Financial
Weakest financial yearnet €-56k ▼188%
Net result drops to €-56k, the lowest in the series; recovery starts the following year.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 67 days late
2019
05-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 36 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zandhoven · 1 establishment unit since 2000
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.
Hogeweg 312240 ZandhovenGround area
1,711 m²
Building footprint
272 m²
Volume, LiDAR
1,375 m³
2 parcels, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Krommelei 58, 2110 Wijnegem
since 20002.115.848.627
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11027A0103/00E000 | Flanders | 1,139 m² | 1 · 142 m² | 8.0 m · 2 fl. |
| 11050B0035/00E002 | Flanders | 572 m² | 1 · 130 m² | 6.7 m · 2 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.
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Of 1,339 companies in sector 50400 we hold annual accounts for 392. 315 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-07-2000
Fiscal year end31-12
Activities, NACEBEL
50400Inland freight water transport
61200Telecommunications resale and intermediation services
Sources
Crossroads Bank for EnterprisesNational Bank · 25 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.