JESTEL
ActiveSummary
JESTEL has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €-17k. Equity is shrinking by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 75% of 4603 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-17
Solvency90▲+8
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 2.03 in 2024; short-term debt: 27.7% and cash: 9.3% of total assets), and 34.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
20 d late
2023
15 d early
2022
30 d late
2021
8 d late
2020
12 d late
2019
51 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
€138k▼ 10.9%
2024 · €154k
2018: €186k
2019: €166k
2020: €135k
2021: €156k
2022: €177k
2023: €139k
2024: €154k
2018 → 2025
Total assets
€210k▼ 21.8%
2024 · €269k
2018: €420k
2019: €357k
2020: €391k
2021: €429k
2022: €444k
2023: €341k
2024: €269k
2018 → 2025
Net result
€-17k
2024 · €16k
2018: €10k
2019: €-20k
2020: €-31k
2021: €20k
2022: €22k
2023: €-39k
2024: €16k
2018 → 2025
Working capital
€36k▼ 50.5%
2024 · €74k
2018: €36k
2019: €1k
2020: €-61k
2021: €-24k
2022: €16k
2023: €21k
2024: €74k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€156k-€177k▲ 14.1%€139k▼ 21.8%€154k▲ 11.3%€138k▼ 10.9%
Operating result€23k-€25k▲ 11.3%€-35k€18k€-15k
Net result€20k-€22k▲ 8.9%€-39k€16k€-17k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €15k after €18k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210k
Fixed assets
€116k ▼ 6.5%
Current assets
€95k ▼ 34.8%
Equity and liabilities €210k
Equity
€138k ▼ 10.9%
Debt
€73k ▼ 36.4%
Debt's share of the balance-sheet total falls from 42.6% to 34.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€33k▼
2024 · €72k
Cash flow
€31k▼
2024 · €70k
Current ratio
1.62▼
2024 · 2.03
Quick ratio
1.42▼
2024 · 2.03
Debt to equity
0.53▼
2024 · 0.74
ROE
-12.3%▼
2024 · 10.2%
ROA
-8.0%▼
2024 · 5.8%
Interest coverage
15.58▼
2024 · 26.46
Debt ≤ 1 year
€58k▼
2024 · €72k
Debt > 1 year
€15k▼
2024 · €43k
Income taxes
€262▲
2024 · €259
Staff costs
€87k▼
2024 · €98k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€269k€210k▼
Fixed assets21/28€124k€116k▼
Tangible fixed assets22/27€124k€116k▼
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€33k€19k▼
Leasing and similar rights25€63k€37k▼
Other tangible fixed assets26€19k€53k▲
Current assets29/58€145k€95k▼
Stocks and contracts in progress3-€12k
Stocks30/36-€12k
Amounts receivable within one year40/41€59k€58k▼
Trade receivables40€51k€53k▲
Other amounts receivable41€8k€5k▼
Cash at bank and in hand54/58€87k€20k▼
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€269k€210k▼
Equity10/15€154k€138k▼
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€132k€116k▼
Amounts payable17/49€115k€73k▼
Amounts payable after more than one year17€43k€15k▼
Financial debts170/4€43k€15k▼
Amounts payable within one year42/48€72k€58k▼
Current portion of amounts payable after more than one year42€25k€26k▲
Financial debts43€7k€3k▼
Credit institutions430/8€7k€3k▼
Trade debts44€10k€18k▲
Suppliers440/4€10k€18k▲
Taxes, remuneration and social security45€29k€12k▼
Taxes450/3€27k€10k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Non-recurring operating income76A€44k€17k▼
Remuneration, social security and pensions62€98k€87k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€48k▼
Other operating charges640/8€698-
Non-recurring operating charges66A€30k-
Gross operating margin9900€202k€119k▼
Operating profit (loss)9901€18k€-15k▼
Financial income75/76B€442€201▼
Recurring financial income75€442€201▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€16k€-17k▼
Income taxes67/77€259€262▲
Profit (loss) for the period9904€16k€-17k▼
Profit (loss) for the period to be appropriated9905€16k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€132k€116k▼
Profit (loss) brought forward from the previous period14P€117k€132k▲
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
31-12
Financial
Equity above €150kEq €154k ▲11.3%
Equity rises from €139k to €154k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-39k ▼277%
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €22k ▲8.9%
Operating result €25k, net result €22k, both a record.
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
31-12
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €156k ▲14.8%
Equity rises from €135k to €156k.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
Show earlier events
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Ecaussinnes · 1 establishment unit since 2002
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.
Rue de Ronquières 17191 EcaussinnesGround area
8,915 m²
Building footprint
135 m²
Parcel 55009A0064/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
JESTEL
since 20022.098.851.059
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55009A0064/00D000 | Wallonia | 8,915 m² | 1 · 135 m² | - |
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.
Similar companies · same sector, comparable size
Nirotrans Belgium
BE 0427.573.723
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HELEEN DENYS TRANSPORT
BE 1003.908.527
Wingene · Eq €137,391
SOCIETE DE GESTION DE PORTEFEUILLES D'ASSURANCES
BE 0451.428.991
Charleroi · Eq €137,389
PHILIP VAN LANCKER
BE 0461.211.838
Kruisem · Eq €137,688
WEMACLA
BE 0790.279.388
Tongeren-Borgloon · Eq €137,774
Of 12,604 companies in sector 49410 we hold annual accounts for 8,202. 6,377 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 (pre-2019)
Founded29-01-2002
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.