JONCKERS ETIENNE
ActiveJONCKERS ETIENNE has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-2k) and a net result of €-626. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 26908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
22
/ 100
Critical▲ +9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency38▼-2
Growth58=
Stability100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.71 against 0.8 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-41.5%
Return on assets
-16.9%
Age of the figures
14 mo
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 · 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
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€2k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 01-12-2025, 61 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
61 d early
2024
58 d early
2023
1 d early
2022
on the day
2021
on the day
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close07-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-2k▼ 68.6%
2024 · €-913
2019: €13k
2020: €16k
2021: €5k
2022: €7k
2023: €-5k
2024: €-913
2019 → 2025
Total assets
€4k▲ 4.1%
2024 · €4k
2019: €49k
2020: €58k
2021: €39k
2022: €36k
2023: €8k
2024: €4k
2019 → 2025
Net result
€-626
2024 · €4k
2019: €-44k
2020: €-41k
2021: €-38k
2022: €2k
2023: €9k
2024: €4k
2019 → 2025
Working capital
€-2k▼ 68.6%
2024 · €-913
2019: €11k
2020: €15k
2021: €2k
2022: €4k
2023: €-7k
2024: €-913
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€7k▲ 33.1%€-5k€-913▲ 82.7%€-2k▼ 68.6%
Operating result€11k-€5k▼ 56.9%€15k▲ 221%€9k▼ 39.9%€-3k
Net result€-38k-€2k€9k▲ 452%€4k▼ 53.3%€-626
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 €3k after €9k in 2024, the lowest year so far.
Key figures and ratios
Solvency
-41.5%▼
2024 · -25.6%
Current ratio
0.71▼
2024 · 0.80
Quick ratio
0.71▼
2024 · 0.80
Debt / equity
-3.41▲
2024 · -4.90
ROE
40.7%▲
2024 · -476.5%
ROA
-16.9%▼
2024 · 122.1%
Debt
€5k▲
2024 · €4k
Debt ≤ 1 year
€5k▲
2024 · €4k
Income taxes
€-2k▼
2024 · €5k
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€4k€4k▲
Current assets29/58€4k€4k▲
Amounts receivable within one year40/41-€1k
Trade receivables40-€820
Other amounts receivable41-€608
Cash at bank and in hand54/58€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€4k€4k▲
Equity10/15€-913€-2k▼
Contributions10/11€19k€19k=
Reserves13€20k€20k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€-40k€-40k▼
Amounts payable17/49€4k€5k▲
Amounts payable within one year42/48€4k€5k▲
Trade debts44€1k€670▼
Suppliers440/4€1k€670▼
Taxes, remuneration and social security45€155-
Taxes450/3€155-
Other amounts payable47/48€3k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k-
Gross operating margin9900€10k€-3k▼
Operating profit (loss)9901€9k€-3k▼
Financial income75/76B€155-
Recurring financial income75€155-
Financial charges65/66B€403€269▼
Recurring financial charges65€403€269▼
Profit (loss) for the period before taxes9903€9k€-3k▼
Income taxes67/77€5k€-2k▼
Profit (loss) for the period9904€4k€-626▼
Profit (loss) for the period to be appropriated9905€4k€-626▼
Appropriation of the result
Profit (loss) to be appropriated9906€-40k€-40k▼
Profit (loss) brought forward from the previous period14P€-44k€-40k▲
The notes to these accounts (5 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
2025
01-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
04-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €9k ▲452%
Operating result €15k, net result €9k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €2k
Net result €2k after 3 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
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Of 15,457 companies in sector 43990 we hold annual accounts for 7,331. 3,270 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2002
Fiscal year end30-06
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.