Checked.be
Active
BE 0745.494.686Private limited company
JSoubhi SRL
Rue d'Affnay 24 ·4610 Beyne-Heusay, Belgium· 6 yrs active
Sector: Dental practice
(86230)
Conclusion
JSoubhi SRL has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €108k. Equity is shrinking by ~52.7% per year across the filed fiscal years. Its solvency ranks better than 25% of 2224 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €21k |
| Net result | €108k |
| Better than sector | 25% |
| Active | 6 yrs |
Financial profile
71
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
73
Profitability
100
Solvency
22
Growth
58
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
73
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€2k
estimate, not credit advice
Score history
93
2022
75
2023
86
2024
73
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.09 (≥ 1.0)
+5
Quick ratio
Quick ratio 1.09 (≥ 1.0)
+5
Leverage
Debt/equity 6.58 (> 3.0)
-10
Profitability
ROE 505% (≥ 10%)
+10
Interest coverage
Interest coverage 187.3× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 31-07-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~52.7%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 86, Human health activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 13.2% | 57.9% | |
| Net result | €108k | €59k | |
| Equity | €21k | €74k | |
| Gross operating margin | €148k | €95k | |
| Staff costs | €87 | €22k |
€146k
+1.7%
22-25
€108k
+2.8%
22-25
€115k
+2.7%
22-25
€162k
-1.0%
22-25
€21k
-50.9%
22-25
€13k
-62.5%
22-25
0
-100.0%
22-25
€87
-96.7%
22-25
€30k
+3.6%
22-25
€130k
+30.0%
22-25
€141k
+17.1%
22-25
€141k
+23.3%
22-25
€6k
-44.5%
22-25
1.09
-16.0%
22-25
1.09
-16.0%
22-25
13.2%
-50.4%
22-25
6.58
+138.5%
22-25
504.5%
+109.4%
22-25
66.6%
+3.8%
22-25
187.30
+249.6%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €146k | €143k | €96k | €127k |
| Net profit | €108k | €105k | €69k | €96k |
| Cash flow | €115k | €112k | €76k | €101k |
| Staff costs | €87 | €3k | €2k | - |
| Income taxes | €30k | €29k | €19k | €26k |
| Dividends | €130k | €100k | €256k | - |
| Total assets | €162k | €164k | €142k | €263k |
| Equity | €21k | €44k | €39k | €226k |
| Debt | €141k | €120k | €103k | €37k |
| of which ≤ 1y | €141k | €114k | €92k | €22k |
| of which > 1y | - | €6k | €11k | €15k |
| Working capital | €13k | €34k | €29k | €216k |
| Employees (FTE) | 0.0 | 0.5 | 0.5 | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 1.09 | 1.30 | 1.31 | 10.70 |
| Quick ratio | 1.09 | 1.30 | 1.31 | 10.70 |
| Working capital ratio | 7.9% | 20.8% | 20.2% | 81.9% |
| Solvency | 13.2% | 26.6% | 27.3% | 85.8% |
| Debt / equity | 6.58 | 2.76 | 2.67 | 0.17 |
| Long-term debt ratio | - | 0.14 | 0.28 | 0.07 |
| Interest coverage | 187.30 | 53.58 | 71.86 | 109.43 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 66.6% | 64.1% | 48.9% | 36.3% |
| ROE | 504.5% | 240.9% | 179.5% | 42.3% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €162k | €164k | €142k | €263k |
| Fixed assets | 21/28 | €9k | €15k | €21k | €25k |
| Tangible fixed assets | 22/27 | €9k | €15k | €21k | €25k |
| Current assets | 29/58 | €153k | €148k | €121k | €238k |
| Amounts receivable within one year | 40/41 | €12k | €14k | €823 | €49k |
| Cash & bank | 54/58 | €128k | €134k | €120k | €189k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €162k | €164k | €142k | €263k |
| Equity | 10/15 | €21k | €44k | €39k | €226k |
| Contributions / capital | 10/11 | €3k | €3k | €3k | €3k |
| Accumulated profits (losses) | 14 | €18k | €41k | €36k | €223k |
| Amounts payable | 17/49 | €141k | €120k | €103k | €37k |
| Amounts payable after one year | 17 | - | €6k | €11k | €15k |
| Amounts payable within one year | 42/48 | €141k | €114k | €92k | €22k |
| Trade debts payable within one year | 44 | €45 | €3k | €229 | €426 |
| Income statement | |||||
| Gross operating margin | 9900 | €148k | €149k | €99k | €130k |
| Operating result | 9901 | €139k | €136k | €90k | €122k |
| Financial income | 75 | - | €333 | - | €1k |
| Financial charges | 65 | €777 | €3k | €1k | €1k |
| Result before taxes | 9903 | €138k | €134k | €89k | €122k |
| Income taxes | 67/77 | €30k | €29k | €19k | €26k |
| Net result for the period | 9904 | €108k | €105k | €69k | €96k |
| Result to be appropriated | 9905 | €108k | €105k | €69k | €96k |
Legal Structure
| NACE primary | Dental practice(86230) |
| Legal form | Private limited company(610) |
| Incorporation | 18-03-2020 |
| Status | Active |
| Postal code | 4610 |
Establishment units
JSoubhi SRL
since 20202.305.673.865
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62015A0001/00L003 | Wallonia | 232 m² | 1 · 65 m² | 10.8 m · 3 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €108k ▲2.8%
Operating result €139k, net result €108k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €69k ▼27.4%
Net result drops to €69k, the lowest in the series; recovery starts the following year.
13-11
State Gazette act
Minor change
Other address change
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
All acts · 1
updated 2 years ago
2023
13-11-2023 Publication in the Belgian Official Gazette, Minor change
Summary:
Other address change
Technical details
{
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": "2023-11-13",
"filing_date": null,
"act_kind_objet": "transfert du si\u00E8ge social"
},
"decision": {
"body": "buitengewone_algemene_vergadering",
"date": "2023-09-30",
"unanimous": true
},
"agm_change": null,
"detected_kind": "other_address_change",
"other_address": {
"action": "modified",
"purpose": "statutaire_zetel",
"address_new": "rue d\u0027Affnay 24 \u00E0 4610 Beyne-Heusay",
"address_old": "Rue Martin Herman 38 \u00E0 4040 Herstal",
"effective_date": "2023-11-13",
"effective_date_is_approximate": false
},
"mandate_renewal": null,
"subject_company": {
"kbo": "0745.494.686",
"name_full": "JSoubhi",
"legal_form": "SRL"
},
"accounts_deposit": null,
"publication_proxy": {
"kind": "none",
"org_kbo": null,
"org_name": null,
"person_name": null,
"org_rep_person_name": null
},
"co_filed_documents": [],
"fiscal_year_change": null,
"liquidation_closure": null,
"officer_designation": null,
"special_procuration": null,
"is_volet_a_only_stub": true,
"vakbekwaamheid_change": null,
"should_reroute_to_category": null,
"single_shareholder_declaration": null
}Credit advice
Company registry (CBE)
Activities
Dental practice86230
Names & trade names
| Legal nameFR | JSoubhi SRL |
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