Summary
JORNIE 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 €13k and a net result of €-2k. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 44% of 8023 sector peers (fiscal year 2025). The company has been active since 2019 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
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 24-03-2026, 129 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
129 d early
2024
80 d early
2023
135 d early
2022
117 d early
2021
67 d early
2020
92 d early
2019
21 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
€13k▼ 15.9%
2024 · €15k
2019: €-189
2020: €10k
2021: €9k
2022: €11k
2023: €14k
2024: €15k
2019 → 2025
Net result
€-2k
2024 · €891
2019: €-2k
2020: €10k
2021: €-206
2022: €2k
2023: €3k
2024: €891
2019 → 2025
Total assets
€29k▼ 19.5%
2024 · €35k
2019: €346
2020: €21k
2021: €23k
2022: €28k
2023: €30k
2024: €35k
2019 → 2025
Solvency
44.3%▲ 1.9pp
2024 · 42.4%
2019: -54.6%
2020: 45.2%
2021: 41.3%
2022: 40.3%
2023: 47.5%
2024: 42.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€11k▲ 22.4%€14k▲ 23.6%€15k▲ 6.3%€13k▼ 15.9%
Operating result€2k-€5k▲ 131%€5k▲ 8.8%€4k▼ 13.8%€666▼ 84.6%
Net result€-206-€2k€3k▲ 29.0%€891▼ 67.0%€-2k
Turnover and EBIT margin not published: the 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 85% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €29k
Fixed assets
€2k ▼ 59.4%
Current assets
€27k ▼ 14.2%
Equity and liabilities €29k
Equity
€13k ▼ 15.9%
Debt
€16k ▼ 22.1%
Debt's share of the balance-sheet total falls from 57.6% to 55.7%. Equity and debt are lower.
Key figures and ratios
ROE
-18.9%▼
2024 · 5.9%
ROA
-8.4%▼
2024 · 2.5%
Debt ≤ 1 year
€16k▼
2024 · €19k
Debt > 1 year
€0▼
2024 · €2k
Income taxes
€311▼
2024 · €490
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€35k€29k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€760€157▼
Leasing and similar rights25€2k€689▼
Other tangible fixed assets26€1k€845▼
Current assets29/58€31k€27k▼
Amounts receivable within one year40/41€27k€19k▼
Trade receivables40€25k€17k▼
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€1k€5k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€35k€29k▼
Equity10/15€15k€13k▼
Contributions10/11€2k€2k=
Reserves13€13k€11k▼
Distributable reserves133€13k€11k▼
Amounts payable17/49€20k€16k▼
Amounts payable after more than one year17€2k€0▼
Financial debts170/4€2k€0▼
Amounts payable within one year42/48€19k€16k▼
Current portion of amounts payable after more than one year42€2k€2k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€10k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€575€591▲
Gross operating margin9900€7k€4k▼
Operating profit (loss)9901€4k€666▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€1k€-2k▼
Income taxes67/77€490€311▼
Profit (loss) for the period9904€891€-2k▼
Profit (loss) for the period to be appropriated9905€891€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€891€-2k▼
Transfer from equity791/2-€2k
Transfer to equity691/2€891€0▼
To other reserves6921€891€0▼
The notes to these accounts (8 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
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-2k ▼368%
Net result drops to €-2k, the lowest in the series.
12-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.87
Current ratio from 0.65 to 1.87.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Essen · 1 establishment unit since 2019
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.
Wolfsven 32910 EssenGround area
703 m²
Building footprint
138 m²
Volume, LiDAR
713 m³
Parcel 11642D0113/00F023, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JORNIE
since 20192.297.383.830
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11642D0113/00F023 | Flanders | 703 m² | 1 · 138 m² | 8.2 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
STOON
BE 0755.460.744
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Bepoo
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Christophe De Clercq
BE 0864.320.181
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Booya
BE 0785.384.947
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WILLY MARCO
BE 1004.810.627
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 5,839 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
Founded07-11-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
73200Market research and public opinion polling
73300Public relations and communication consultancy
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.