Jespo 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 €233k and a net result of €28k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 83% of 9864 sector peers (fiscal year 2024). The company has been active since 2012 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
Two signals. 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 24-06-2025, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
44 d early
2022
42 d early
2021
30 d early
2020
25 d early
2019
22 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€233k▲ 13.4%
2023 · €205k
2018: €67k
2019: €74k
2020: €90k
2021: €109k
2022: €161k
2023: €205k
2018 → 2024
Net result
€28k▼ 38.1%
2023 · €45k
2018: €2k
2019: €8k
2020: €15k
2021: €19k
2022: €51k
2023: €45k
2018 → 2024
Total assets
€272k▲ 12.7%
2023 · €241k
2018: €198k
2019: €203k
2020: €202k
2021: €214k
2022: €267k
2023: €241k
2018 → 2024
Solvency
85.5%▲ 0.6pp
2023 · 84.9%
2018: 33.7%
2019: 36.7%
2020: 44.5%
2021: 51.1%
2022: 60.2%
2023: 84.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€90k-€109k▲ 21.6%€161k▲ 46.9%€205k▲ 27.7%€233k▲ 13.4%
Operating result€22k-€31k▲ 41.1%€80k▲ 160%€71k▼ 11.5%€42k▼ 40.3%
Net result€15k-€19k▲ 25.8%€51k▲ 164%€45k▼ 13.2%€28k▼ 38.1%
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 has fallen two years in a row; 2024 is 40% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €272k
Fixed assets
€26k▼ 45.2%
Current assets
€247k▲ 26.5%
Equity and liabilities €272k
Equity
€233k▲ 13.4%
Debt
€40k▲ 8.5%
The debt ratio falls from 15.1% to 14.5%. Equity and debt are higher.
Key figures and ratios
Solvency
85.5%▲
2023 · 84.9%
ROE
11.8%▼
2023 · 21.7%
ROA
10.1%▼
2023 · 18.4%
Debt
€40k▲
2023 · €36k
Debt ≤ 1 year
€20k▼
2023 · €24k
Debt > 1 year
€20k▲
2023 · €12k
Income taxes
€13k▼
2023 · €23k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€241k€272k▲
Fixed assets21/28€47k€26k▼
Tangible fixed assets22/27€47k€25k▼
Plant, machinery and equipment23€700€350▼
Furniture and vehicles24€45k€21k▼
Other tangible fixed assets26€800€4k▲
Financial fixed assets28€50€50=
Current assets29/58€195k€247k▲
Amounts receivable within one year40/41€3k€15k▲
Trade receivables40€2k€0▼
Other amounts receivable41€1k€15k▲
Cash at bank and in hand54/58€190k€229k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€241k€272k▲
Equity10/15€205k€233k▲
Contributions10/11€6k€6k=
Reserves13€199k€226k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€199k€226k▲
Amounts payable17/49€36k€40k▲
Amounts payable after more than one year17€12k€20k▲
Other amounts payable178/9€12k€20k▲
Amounts payable within one year42/48€24k€20k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€21k€18k▼
Taxes450/3€21k€17k▼
Remuneration and social security454/9€0€1k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€26k▲
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A€250€0▼
Gross operating margin9900€99k€71k▼
Operating profit (loss)9901€71k€42k▼
Financial income75/76B€2€12▲
Recurring financial income75€2€12▲
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€68k€41k▼
Income taxes67/77€23k€13k▼
Profit (loss) for the period9904€45k€28k▼
Profit (loss) for the period to be appropriated9905€45k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€28k▼
Transfer to equity691/2€45k€28k▼
To other reserves6921€45k€28k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €205k ▲27.7%
6 profitable years in a row build equity to €205k.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €51k ▲164%
Operating result €80k, net result €51k, both a record.
31-12
Financial
Equity above €150kEq €161k ▲46.9%
5 profitable years in a row build equity to €161k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €109k ▲21.6%
4 profitable years in a row build equity to €109k.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
21-06
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.
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, Beringen · 1 establishment unit since 2012
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.
Heilig Hartstraat 163581 BeringenGround area
948 m²
Building footprint
248 m²
Volume, LiDAR
1,245 m³
Parcel 71005B1166/00D000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jespo
since 20122.208.561.524
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71005B1166/00D000 | Flanders | 948 m² | 1 · 248 m² | 9.6 m · 2 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 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,587 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.