JJ&Co 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 €2.50M and a net result of €89k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 89% of 5498 sector peers (fiscal year 2025). The company has been active since 2016 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
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
27 d late
2024
9 d early
2023
26 d early
2022
98 d early
2021
47 d early
2020
81 d early
2019
38 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.50M▲ 3.7%
2024 · €2.41M
2018: €2.00M
2019: €2.06M
2020: €2.10M
2021: €2.19M
2022: €2.26M
2023: €2.31M
2024: €2.41M
2018 → 2025
Net result
€89k▼ 10.2%
2024 · €99k
2018: €13k
2019: €64k
2020: €37k
2021: €86k
2022: €69k
2023: €88k
2024: €99k
2018 → 2025
Total assets
€2.66M▲ 3.0%
2024 · €2.58M
2018: €2.05M
2019: €2.15M
2020: €2.37M
2021: €2.41M
2022: €2.45M
2023: €2.49M
2024: €2.58M
2018 → 2025
Solvency
93.8%▲ 0.6pp
2024 · 93.3%
2018: 97.5%
2019: 95.9%
2020: 88.6%
2021: 90.9%
2022: 92.1%
2023: 92.5%
2024: 93.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.19M-€2.26M▲ 3.2%€2.31M▲ 2.3%€2.41M▲ 4.3%€2.50M▲ 3.7%
Operating result€124k-€101k▼ 18.3%€128k▲ 26.4%€141k▲ 10.1%€127k▼ 9.6%
Net result€86k-€69k▼ 19.4%€88k▲ 27.0%€99k▲ 12.4%€89k▼ 10.2%
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 falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.66M
Fixed assets
€2.06M▲ 0.7%
Current assets
€598k▲ 12.0%
Equity and liabilities €2.66M
Equity
€2.50M▲ 3.7%
Debt
€164k▼ 5.8%
The debt ratio falls from 6.7% to 6.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
93.8%▲
2024 · 93.3%
ROE
3.6%▼
2024 · 4.1%
ROA
3.3%▼
2024 · 3.8%
Debt
€164k▼
2024 · €174k
Debt ≤ 1 year
€60k▲
2024 · €58k
Debt > 1 year
€104k▼
2024 · €116k
Income taxes
€42k▼
2024 · €48k
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€2.58M€2.66M▲
Fixed assets21/28€2.05M€2.06M▲
Intangible fixed assets21-€5k
Tangible fixed assets22/27€197k€197k▲
Land and buildings22€188k€190k▲
Other tangible fixed assets26€8k€6k▼
Financial fixed assets28€1.85M€1.86M▲
Current assets29/58€533k€598k▲
Amounts receivable within one year40/41€182k€195k▲
Trade receivables40€24k€52k▲
Other amounts receivable41€158k€144k▼
Current investments50/53€0€270k▲
Cash at bank and in hand54/58€344k€126k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€2.58M€2.66M▲
Equity10/15€2.41M€2.50M▲
Contributions10/11€1.94M€1.94M=
Reserves13€468k€556k▲
Tax-exempt reserves132€23k€23k=
Distributable reserves133€445k€533k▲
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€174k€164k▼
Amounts payable after more than one year17€116k€104k▼
Financial debts170/4€116k€104k▼
Amounts payable within one year42/48€58k€60k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Taxes, remuneration and social security45€43k€30k▼
Taxes450/3€43k€30k▼
Other amounts payable47/48€0€10k▲
Income statement
Code20242025
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€20k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€160k€150k▼
Operating profit (loss)9901€141k€127k▼
Financial income75/76B€8k€6k▼
Recurring financial income75€8k€6k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€147k€131k▼
Income taxes67/77€48k€42k▼
Profit (loss) for the period9904€99k€89k▼
Profit (loss) for the period to be appropriated9905€99k€89k▼
Appropriation of the result
Profit (loss) to be appropriated9906€100k€90k▼
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer from equity791/2€0-
Transfer to equity691/2€99k€89k▼
To other reserves6921€99k€89k▼
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 (20 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
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €99k ▲12.4%
Operating result €141k, net result €99k, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
11-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 38 days late
2019
31-12
Financial
Equity above €2MEq €2.06M ▲3.2%
2 profitable years in a row build equity to €2.06M.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 6 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Retie · 1 establishment unit since 2016
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.
Veldenstraat 11A2470 RetieGround area
1,046 m²
Building footprint
255 m²
Volume, LiDAR
1,288 m³
Parcel 13036B0268/00Y000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JJ&Co
since 20162.256.391.234
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13036B0268/00Y000 | Flanders | 1,046 m² | 1 · 255 m² | 9.7 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.
Similar companies · same sector, comparable size
FRESNO
BE 0831.874.968
Mechelen · Eq €2.49M
MGAB
BE 0832.174.579
Tremelo · Eq €2.49M
SCU
BE 0661.565.734
Pelt · Eq €2.49M
DB INVEST
BE 1016.626.217
Hasselt · Eq €2.50M
DS²
BE 0762.639.932
Sint-Niklaas · Eq €2.50M
Of 24,725 companies in sector 64210 we hold annual accounts for 19,747. 10,251 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.