Jessica De Bels
ActiveSummary
Jessica De Bels has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €40k. Its solvency ranks better than 26% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▼-47
Solvency53▼-35
Growth52
Track record82
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity short (current ratio 0.8 against 2.72 in 2024; short-term debt: 17.9% and cash: 5% of total assets), and 72.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
27.7%
Return on assets
11.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
25 d early
2024
23 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▲ 67.4%
2024 · €58k
2024: €58k
2024 → 2025
Total assets
€350k▲ 282%
2024 · €92k
2024: €92k
2024 → 2025
Net result
€40k▼ 29.1%
2024 · €56k
2024: €56k
2024 → 2025
Working capital
€-13k
2024 · €58k
2024: €58k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€58k-€97k▲ 67.4%
Operating result€80k-€95k▲ 19.0%
Net result€56k-€40k▼ 29.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 19% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €350k
Fixed assets
€300k
Current assets
€50k
Equity and liabilities €350k
Equity
€97k ▲ 67.4%
Debt
€253k ▲ 652%
Debt's share of the balance-sheet total rises from 36.7% to 72.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€95k
Cash flow
€40k
Current ratio
0.80▼
2024 · 2.72
Debt to equity
2.61▲
2024 · 0.58
ROE
41.1%▼
2024 · 97.2%
ROA
11.4%▼
2024 · 61.5%
Interest coverage
2.37
Debt ≤ 1 year
€63k▲
2024 · €34k
Debt > 1 year
€190k
Income taxes
€15k▼
2024 · €23k
Staff costs
€10k▼
2024 · €11k
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 · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€92k€350k▲
Fixed assets21/28-€300k
Tangible fixed assets22/27-€300k
Land and buildings22-€300k
Current assets29/58€92k€50k▼
Amounts receivable within one year40/41-€32k
Trade receivables40-€628
Other amounts receivable41-€32k
Cash at bank and in hand54/58€92k€18k▼
Equity and liabilities
Total equity and liabilities10/49€92k€350k▲
Equity10/15€58k€97k▲
Contributions10/11€3k€3k=
Reserves13€55k€95k▲
Distributable reserves133€55k€95k▲
Amounts payable17/49€34k€253k▲
Amounts payable after more than one year17-€190k
Financial debts170/4-€190k
Amounts payable within one year42/48€34k€63k▲
Current portion of amounts payable after more than one year42-€10k
Trade debts44€1k€25k▲
Suppliers440/4€1k€25k▲
Taxes, remuneration and social security45€31k€19k▼
Taxes450/3€29k€16k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€912€8k▲
Accrued charges and deferred income492/3€2€255▲
Income statement
Code20242025
Non-recurring operating income76A-€12k
Remuneration, social security and pensions62€11k€10k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€153
Other operating charges640/8€1k€952▼
Gross operating margin9900€92k€106k▲
Operating profit (loss)9901€80k€95k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€561€40k▲
Recurring financial charges65€561€40k▲
Profit (loss) for the period before taxes9903€79k€55k▼
Income taxes67/77€23k€15k▼
Profit (loss) for the period9904€56k€40k▼
Profit (loss) for the period to be appropriated9905€56k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€40k▼
Transfer to equity691/2€55k€39k▼
To other reserves6921€55k€39k▼
Profit to be distributed694/7€856€833▼
Return on contributions (dividend)694€856€833▼
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
Next filing, fiscal year 2026, expected by
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-11
State Gazette act
General meeting · Director appointment
Permanent representative · Director resignation
State Gazette actNBB filing
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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2023
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.
Goubaudreef(BEV) 29120 Beveren-Kruibeke-ZwijndrechtGround area
1,057 m²
Building footprint
157 m²
Volume, LiDAR
819 m³
Parcel 46502D1178/00D000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jessica De Bels
since 20232.353.132.502
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46502D1178/00D000 | Flanders | 1,057 m² | 1 · 157 m² | 7.7 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
5 locations
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,557 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
Founded18-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.