jstack
ActiveSummary
jstack has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €222k and a net result of €69k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 51% of 1424 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+60
Solvency65▲+3
Growth64▲+16
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.05 against 1.66 in 2024; short-term debt: 48.3% and cash: 1.6% of total assets), but 59.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
40.1%
Return on assets
12.5%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €222k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 9 filingsDeviation from the deadline
2025
24 d late
2024
24 d early
2023
33 d late
2022
10 d late
2021
24 d late
2020
19 d early
2019
22 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.91M▼ 0.7%
2024 · €1.92M
2018: €1.73M
2019: €1.64M
2020: €1.81M
2021: €1.63M
2022: €1.61M
2023: €1.75M
2024: €1.92M
2018 → 2025
EBIT margin
4.8%▲ 6.0pp
2024 · -1.3%
2018: 5.8%
2019: 11.4%
2020: 11.8%
2021: -4.1%
2022: -2.2%
2023: 2.1%
2024: -1.3%
2018 → 2025
Net result
€69k
2024 · €-40k
2018: €49k
2019: €116k
2020: €159k
2021: €-73k
2022: €-40k
2023: €23k
2024: €-40k
2018 → 2025
Working capital
€280k▲ 74.6%
2024 · €160k
2018: €95k
2019: €196k
2020: €343k
2021: €203k
2022: €156k
2023: €179k
2024: €160k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.63M-€1.61M▼ 1.2%€1.75M▲ 9.2%€1.92M▲ 9.5%€1.91M▼ 0.7%
Equity€211k-€170k▼ 19.2%€193k▲ 13.7%€153k▼ 20.8%€222k▲ 45.2%
Operating result€-67k-€-35k▲ 47.3%€37k€-24k€91k
Net result€-73k-€-40k▲ 44.9%€23k€-40k€69k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €91k after a loss of €24k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €554k
Fixed assets
€7k ▼ 38.1%
Current assets
€547k ▲ 35.6%
Equity and liabilities €554k
Equity
€222k ▲ 45.2%
Provisions
€350
Debt
€331k ▲ 26.7%
Debt's share of the balance-sheet total falls from 63.1% to 59.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€98k▲
2024 · €-14k
Cash flow
€76k▲
2024 · €-30k
Current ratio
2.05▲
2024 · 1.66
Debt to equity
1.49▼
2024 · 1.71
ROE
31.1%▲
2024 · -26.3%
ROA
12.5%▲
2024 · -9.7%
Interest coverage
7.60▲
2024 · -0.98
Debt ≤ 1 year
€268k▲
2024 · €243k
Income taxes
€10k▲
2024 · €2k
Staff costs
€598k▼
2024 · €739k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€415k€554k▲
Fixed assets21/28€11k€7k▼
Tangible fixed assets22/27€11k€7k▼
Plant, machinery and equipment23€11k€7k▼
Current assets29/58€404k€547k▲
Amounts receivable within one year40/41€388k€532k▲
Trade receivables40€362k€325k▼
Other amounts receivable41€26k€208k▲
Cash at bank and in hand54/58€8k€9k▲
Deferred charges and accrued income490/1€8k€6k▼
Equity and liabilities
Total equity and liabilities10/49€415k€554k▲
Equity10/15€153k€222k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€90k€160k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€84k€154k▲
Profit (loss) carried forward14€956€190▼
Provisions and deferred taxes16-€350
Provisions for liabilities and charges160/5-€350
Pensions and similar obligations160-€350
Amounts payable17/49€262k€331k▲
Amounts payable within one year42/48€243k€268k▲
Trade debts44€170k€186k▲
Suppliers440/4€170k€186k▲
Taxes, remuneration and social security45€73k€82k▲
Taxes450/3€6k€20k▲
Remuneration and social security454/9€68k€61k▼
Accrued charges and deferred income492/3€18k€64k▲
Income statement
Code20242025
Turnover70€1.92M€1.91M▼
Non-recurring operating income76A€56€229▲
Goods, raw materials, services and sundry goods60/61€1.21M€1.23M▲
Remuneration, social security and pensions62€739k€598k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€7k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-242€350▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A-€244
Gross operating margin9900€728k€699k▼
Operating profit (loss)9901€-24k€91k▲
Financial income75/76B€128€728▲
Recurring financial income75€128€728▲
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€-38k€79k▲
Income taxes67/77€2k€10k▲
Profit (loss) for the period9904€-40k€69k▲
Profit (loss) for the period to be appropriated9905€-40k€69k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-40k€70k▲
Profit (loss) brought forward from the previous period14P€264€956▲
Transfer from equity791/2€41k-
Transfer to equity691/2-€70k
To other reserves6921-€70k
Social balance
Average headcount (FTE)908710.37.8▼
The notes to these accounts (10 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 24 days late
2025
31-12
Financial
Back to profitnet €69k
Net result €69k after one loss-making year.
31-12
Financial
Equity above €200kEq €222k ▲45.2%
Equity rises from €153k to €222k.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 33 days late
2023
31-12
Financial
Back to profitnet €23k
Net result €23k after 2 loss-making years.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2021
31-12
Financial
Weakest financial yearnet €-73k
Net result drops to €-73k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €159k ▲36.9%
Operating result €213k, net result €159k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
31-12
Financial
Equity above €200kEq €228k ▲103%
2 profitable years in a row build equity to €228k.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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 2016
Ground area
3,333 m²
Building footprint
933 m²
Volume, LiDAR
7,846 m³
Parcel 11024B0079/00F000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
jstack, DCNTR
since 20162.254.521.906
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0079/00F000 | Flanders | 3,333 m² | 1 · 932 m² | 10.3 m · 3 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.
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 14,439 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 formPublic limited company
Founded24-06-2016
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.