Summary
JFT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €399k and a net result of €-37k. Equity is growing by ~35.1% per year across the filed fiscal years. Its solvency ranks better than 25% of 5547 sector peers (fiscal year 2025). The company has been active since 2008 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-03-2026, 127 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
127 d early
2024
139 d early
2023
30 d early
2022
3 d early
2021
33 d early
2020
19 d early
2019
11 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€399k▼ 8.5%
2024 · €436k
2018: €140k
2019: €189k
2020: €321k
2021: €439k
2022: €591k
2023: €917k
2024: €436k
2018 → 2025
Net result
€-37k
2024 · €69k
2018: €32k
2019: €49k
2020: €133k
2021: €117k
2022: €152k
2023: €326k
2024: €69k
2018 → 2025
Total assets
€1.64M▼ 0.4%
2024 · €1.64M
2018: €1.66M
2019: €1.67M
2020: €1.68M
2021: €1.67M
2022: €1.65M
2023: €1.67M
2024: €1.64M
2018 → 2025
Solvency
24.3%▼ 2.2pp
2024 · 26.5%
2018: 8.4%
2019: 11.3%
2020: 19.2%
2021: 26.3%
2022: 35.8%
2023: 55.1%
2024: 26.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€439k-€591k▲ 34.7%€917k▲ 55.1%€436k▼ 52.5%€399k▼ 8.5%
Operating result€43k-€45k▲ 5.9%€129k▲ 186%€8k▼ 93.6%€1k▼ 86.0%
Net result€117k-€152k▲ 29.9%€326k▲ 114%€69k▼ 79.0%€-37k
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; 2025 is 86% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.64M
Fixed assets
€1.62M =
Current assets
€14k ▼ 29.6%
Equity and liabilities €1.64M
Equity
€399k ▼ 8.5%
Debt
€1.24M ▲ 2.6%
Debt's share of the balance-sheet total rises from 73.5% to 75.7%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-9.3%▼
2024 · 15.7%
ROA
-2.3%▼
2024 · 4.2%
Debt ≤ 1 year
€451k▼
2024 · €479k
Debt > 1 year
€789k▲
2024 · €730k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.64M€1.64M▼
Fixed assets21/28€1.62M€1.62M=
Tangible fixed assets22/27€390k€390k=
Land and buildings22€390k€390k=
Financial fixed assets28€1.23M€1.23M=
Current assets29/58€20k€14k▼
Amounts receivable within one year40/41€4k€3k▼
Trade receivables40€1k€598▼
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€16k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.64M€1.64M▼
Equity10/15€436k€399k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€417k€417k=
Distributable reserves133€417k€417k=
Profit (loss) carried forward14-€-37k
Amounts payable17/49€1.21M€1.24M▲
Amounts payable after more than one year17€730k€789k▲
Financial debts170/4€730k€789k▲
Amounts payable within one year42/48€479k€451k▼
Current portion of amounts payable after more than one year42€102k€106k▲
Trade debts44-€133
Suppliers440/4-€133
Other amounts payable47/48€376k€345k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€168-
Other operating charges640/8€967€1k▲
Gross operating margin9900€9k€2k▼
Operating profit (loss)9901€8k€1k▼
Financial income75/76B€94k-
Recurring financial income75€94k-
Financial charges65/66B€34k€38k▲
Recurring financial charges65€34k€38k▲
Profit (loss) for the period before taxes9903€68k€-37k▼
Income taxes67/77€-248-
Profit (loss) for the period9904€69k€-37k▼
Profit (loss) for the period to be appropriated9905€69k€-37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€69k€-37k▼
Transfer from equity791/2€550k-
Transfer to equity691/2€69k-
To other reserves6921€69k-
Profit to be distributed694/7€550k-
Return on contributions (dividend)694€550k-
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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series.
14-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €326k ▲114%
Operating result €129k, net result €326k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500kEq €591k ▲34.7%
5 profitable years in a row build equity to €591k.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €321k ▲70.1%
3 profitable years in a row build equity to €321k.
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €189k ▲35.4%
2 profitable years in a row build equity to €189k.
Show earlier events
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
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.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Roeselare · 1 establishment unit since 2008
Ground area
4,351 m²
Building footprint
784 m²
Volume, LiDAR
5,245 m³
Parcel 36505C1024/00P002, Flanders · tallest building 35.4 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
JFT
since 20082.171.276.902
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36505C1024/00P002 | Flanders | 4,351 m² | 1 · 784 m² | 35.4 m · 3 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 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,761 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
Founded19-05-2008
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.