JN Klusjesman
ActiveSummary
JN Klusjesman has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €148k and a net result of €129k. Equity is growing by ~32.5% per year across the filed fiscal years. Its solvency ranks better than 25% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-6
Solvency48▼-52
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.89 against 3.55 in 2024; short-term debt: 36.8% and cash: 13.4% of total assets), and 76.8% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
23.2%
Return on assets
20.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 25%
← weakest
strongest →
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 28-07-2026, 3 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
3 d early
2024
28 d late
2023
21 d late
2022
47 d early
2021
39 d early
2020
54 d early
2019
42 d late
← 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
Turnover
€157k▼ 20.9%
2018 · €198k
2018: €198k
2018 → 2019
EBIT margin
17.3%▼ 1.8pp
2018 · 19.1%
2018: 19.1%
2018 → 2019
Net result
€129k▲ 0.9%
2024 · €128k
2018: €28k
2019: €19k
2020: €4k
2021: €-4k
2022: €28k
2023: €87k
2024: €128k
2018 → 2025
Working capital
€-26k
2024 · €165k
2018: €15k
2019: €40k
2020: €47k
2021: €50k
2022: €48k
2023: €74k
2024: €165k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€56k▲ 4.3%€143k▲ 157%€223k▲ 56.6%€148k▼ 34.0%
Operating result€-5k-€36k€109k▲ 202%€165k▲ 51.1%€176k▲ 7.2%
Net result€-4k-€28k€87k▲ 206%€128k▲ 46.8%€129k▲ 0.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €637k
Fixed assets
€428k ▲ 636%
Current assets
€209k ▼ 9.2%
Equity and liabilities €637k
Equity
€148k ▼ 34.0%
Debt
€489k ▲ 656%
Debt's share of the balance-sheet total rises from 22.5% to 76.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€209k▲
2024 · €182k
Cash flow
€162k▲
2024 · €145k
Current ratio
0.89▼
2024 · 3.55
Quick ratio
0.88▼
2024 · 3.54
Debt to equity
3.32▲
2024 · 0.29
ROE
87.4%▲
2024 · 57.2%
ROA
20.3%▼
2024 · 44.4%
Interest coverage
21.91▼
2024 · 635.13
Debt ≤ 1 year
€234k▲
2024 · €65k
Debt > 1 year
€253k
Income taxes
€38k▲
2024 · €36k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€288k€637k▲
Fixed assets21/28€58k€428k▲
Tangible fixed assets22/27€58k€428k▲
Land and buildings22-€383k
Plant, machinery and equipment23€29k€26k▼
Furniture and vehicles24€29k€20k▼
Current assets29/58€230k€209k▼
Stocks and contracts in progress3€851€2k▲
Stocks30/36€851€2k▲
Amounts receivable within one year40/41€68k€118k▲
Trade receivables40€58k€106k▲
Other amounts receivable41€11k€12k▲
Cash at bank and in hand54/58€160k€85k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€288k€637k▲
Equity10/15€223k€148k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€205k€129k▼
Amounts payable17/49€65k€489k▲
Amounts payable after more than one year17-€253k
Financial debts170/4-€253k
Amounts payable within one year42/48€65k€234k▲
Current portion of amounts payable after more than one year42-€15k
Trade debts44€12k€41k▲
Suppliers440/4€12k€41k▲
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€5k€2k▼
Other amounts payable47/48€48k€176k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€33k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k€0▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€188k€211k▲
Operating profit (loss)9901€165k€176k▲
Financial income75/76B€1€33▲
Recurring financial income75€1€33▲
Financial charges65/66B€286€10k▲
Recurring financial charges65€286€10k▲
Profit (loss) for the period before taxes9903€164k€167k▲
Income taxes67/77€36k€38k▲
Profit (loss) for the period9904€128k€129k▲
Profit (loss) for the period to be appropriated9905€128k€129k▲
Appropriation of the result
Profit (loss) to be appropriated9906€252k€334k▲
Profit (loss) brought forward from the previous period14P€124k€205k▲
Profit to be distributed694/7€47k€205k▲
Return on contributions (dividend)694€47k€205k▲
The notes to these accounts (15 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €129k ▲0.9%
Operating result €176k, net result €129k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Equity above €200kEq €223k ▲56.6%
3 profitable years in a row build equity to €223k.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Equity above €100kEq €143k ▲157%
2 profitable years in a row build equity to €143k.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-4k ▼200%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 4.75
Current ratio from 1.87 to 4.75; short-term debt falls from €18k to €11k.
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kontich · 1 establishment unit since 2017
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.
Ferdinand Maesstraat 692550 KontichGround area
537 m²
Building footprint
110 m²
Volume, LiDAR
702 m³
Parcel 11048B0106/00Y002, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JN Klusjesman
since 20172.265.345.819
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11048B0106/00Y002 | Flanders | 537 m² | 1 · 110 m² | 11.0 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
A.M. TECHNICAL SUPPORT
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Elektriciteitswerken Callens
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GPV-i.e
BE 0635.586.758
Saint-Nicolas · Eq €147,480
ATB ELECTROTECHNIEK
BE 0474.743.833
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Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 8,618 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
Founded24-05-2017
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
33200Installation of industrial machinery and equipment
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43990Other specialised construction activities
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.