JST MOB
ActiveSummary
JST MOB has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €-10k. Its solvency ranks better than 16% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▲+2
Solvency33▼-1
Growth58
Track record82
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.1 against 0.18 in 2024; short-term debt: 30.3% and cash: 3% of total assets), and 91.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year €-10k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
12 d late
2024
29 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
Equity
€78k▼ 11.5%
2024 · €88k
2024: €88k
2024 → 2025
Total assets
€928k▼ 0.2%
2024 · €930k
2024: €930k
2024 → 2025
Net result
€-10k▲ 14.5%
2024 · €-12k
2024: €-12k
2024 → 2025
Working capital
€-253k▼ 87.6%
2024 · €-135k
2024: €-135k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€88k-€78k▼ 11.5%
Operating result€3k-€16k▲ 467%
Net result€-12k-€-10k▲ 14.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 467% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €928k
Fixed assets
€900k =
Current assets
€28k ▼ 7.0%
Equity and liabilities €928k
Equity
€78k ▼ 11.5%
Debt
€849k ▲ 1.0%
Debt's share of the balance-sheet total rises from 90.5% to 91.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€16k▲
2024 · €5k
Cash flow
€-10k▼
2024 · €-10k
Current ratio
0.10▼
2024 · 0.18
Debt to equity
10.89▲
2024 · 9.55
ROE
-13.0%▲
2024 · -13.4%
ROA
-1.1%▲
2024 · -1.3%
Interest coverage
0.61▲
2024 · 0.31
Debt ≤ 1 year
€281k▲
2024 · €165k
Debt > 1 year
€569k▼
2024 · €677k
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 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€930k€928k▼
Fixed assets21/28€900k€900k=
Financial fixed assets28€900k€900k=
Current assets29/58€30k€28k▼
Amounts receivable within one year40/41€2k€0▼
Trade receivables40€2k€0▼
Cash at bank and in hand54/58€28k€28k=
Equity and liabilities
Total equity and liabilities10/49€930k€928k▼
Equity10/15€88k€78k▼
Contributions10/11€100k€100k=
Profit (loss) carried forward14€-12k€-22k▼
Amounts payable17/49€841k€849k▲
Amounts payable after more than one year17€677k€569k▼
Financial debts170/4€677k€569k▼
Amounts payable within one year42/48€165k€281k▲
Current portion of amounts payable after more than one year42€104k€108k▲
Financial debts43-€226
Credit institutions430/8-€226
Trade debts44€4k€303▼
Suppliers440/4€4k€303▼
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€6k€2k▼
Other amounts payable47/48€50k€170k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€0▼
Other operating charges640/8€106€311▲
Gross operating margin9900€5k€16k▲
Operating profit (loss)9901€3k€16k▲
Financial charges65/66B€15k€26k▲
Recurring financial charges65€15k€26k▲
Profit (loss) for the period before taxes9903€-12k€-10k▲
Profit (loss) for the period9904€-12k€-10k▲
Profit (loss) for the period to be appropriated9905€-12k€-10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-22k▼
Profit (loss) brought forward from the previous period14P-€-12k
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
2026
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Namur · 1 establishment unit since 2024
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.
Avenue d'Ecolys(RH) 25020 NamurGround area
3.4 ha
Building footprint
6,467 m²
Parcel 92120F0142/00A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
JST MOB
since 20242.362.326.419
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92120F0142/00A000 | Wallonia | 3.4 ha | 1 · 6,467 m² | - |
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
ALTAVALYS
BE 0692.797.259
Sint-Lambrechts-Woluwe · Eq €78,007
CENTHRIC
BE 0724.880.208
Gent · Eq €78,027
Mathias Berten
BE 1010.393.867
Kortrijk · Eq €78,005
KORYS MANAGEMENT
BE 0885.971.571
Halle · Eq €78,005
ORITHEUS
BE 1009.113.863
Etterbeek · Eq €78,028
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,005 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
Founded01-08-2024
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.