LE JARDINET
ActiveLE JARDINET has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €-13k. Equity is growing by ~29.3% per year across the filed fiscal years. Its solvency ranks better than 42% of 1287 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▼-12
Solvency36=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.41 against 0.78 in 2024; short-term debt: 15.1% and cash: 1.9% of total assets), and 89.2% of the assets are financed with debt.
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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
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
10.8%
Return on assets
-1.8%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
23 d early
2023
13 d early
2022
66 d late
2021
16 d early
2020
31 d late
2019
27 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▼ 14.2%
2024 · €90k
2018: €-7k
2019: €-6k
2020: €-2k
2021: €44k
2022: €66k
2023: €78k
2024: €90k
2018 → 2025
Total assets
€715k▼ 16.5%
2024 · €856k
2018: €89k
2019: €49k
2020: €51k
2021: €164k
2022: €700k
2023: €802k
2024: €856k
2018 → 2025
Net result
€-13k
2024 · €12k
2018: €-15k
2019: €720
2020: €4k
2021: €46k
2022: €22k
2023: €13k
2024: €12k
2018 → 2025
Working capital
€-64k▼ 55.1%
2024 · €-41k
2018: €-23k
2019: €-12k
2020: €-2k
2021: €23k
2022: €-68k
2023: €8k
2024: €-41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€66k▲ 49.9%€78k▲ 19.5%€90k▲ 14.9%€77k▼ 14.2%
Operating result€56k-€31k▼ 44.1%€32k▲ 2.8%€32k▼ 0.5%€6k▼ 82.4%
Net result€46k-€22k▼ 52.6%€13k▼ 41.5%€12k▼ 8.7%€-13k
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 82% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €715k
Fixed assets
€670k▼ 5.2%
Current assets
€45k▼ 70.1%
Equity and liabilities €715k
Equity
€77k▼ 14.2%
Debt
€638k▼ 16.8%
The debt ratio falls from 89.5% to 89.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€51k▼
2024 · €71k
Cash flow
€33k▼
2024 · €51k
Solvency
10.8%▲
2024 · 10.5%
Current ratio
0.41▼
2024 · 0.78
Quick ratio
0.40▼
2024 · 0.76
Debt / equity
8.24▼
2024 · 8.50
ROE
-16.5%▼
2024 · 13.0%
ROA
-1.8%▼
2024 · 1.4%
Interest coverage
3.02▼
2024 · 4.04
Debt
€638k▼
2024 · €766k
Debt ≤ 1 year
€108k▼
2024 · €190k
Debt > 1 year
€529k▼
2024 · €573k
Income taxes
€2k▼
2024 · €3k
Staff costs
€7k▼
2024 · €24k
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€856k€715k▼
Fixed assets21/28€707k€670k▼
Tangible fixed assets22/27€707k€670k▼
Land and buildings22€644k€620k▼
Plant, machinery and equipment23€16k€13k▼
Furniture and vehicles24€42k€33k▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€549€549=
Current assets29/58€149k€45k▼
Stocks and contracts in progress3€5k€2k▼
Stocks30/36€5k€2k▼
Amounts receivable within one year40/41€136k€27k▼
Trade receivables40€134k€13k▼
Other amounts receivable41€2k€15k▲
Cash at bank and in hand54/58€6k€14k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€856k€715k▼
Equity10/15€90k€77k▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€65k€52k▼
Amounts payable17/49€766k€638k▼
Amounts payable after more than one year17€573k€529k▼
Financial debts170/4€541k€505k▼
Other amounts payable178/9€32k€24k▼
Amounts payable within one year42/48€190k€108k▼
Current portion of amounts payable after more than one year42€42k€48k▲
Trade debts44€117k€19k▼
Suppliers440/4€117k€19k▼
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€5k€480▼
Taxes450/3€4k€480▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€26k€38k▲
Accrued charges and deferred income492/3€4k€756▼
Income statement
Code20242025
Remuneration, social security and pensions62€24k€7k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€45k▲
Other operating charges640/8€5k€20k▲
Non-recurring operating charges66A€176€18k▲
Gross operating margin9900€99k€97k▼
Operating profit (loss)9901€32k€6k▼
Financial income75/76B€7€29▲
Recurring financial income75€7€29▲
Financial charges65/66B€18k€17k▼
Recurring financial charges65€18k€17k▼
Profit (loss) for the period before taxes9903€14k€-11k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€12k€-13k▼
Profit (loss) for the period to be appropriated9905€12k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€65k€52k▼
Profit (loss) brought forward from the previous period14P€53k€65k▲
The notes to these accounts (12 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €46k ▲1217%
Operating result €56k, net result €46k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Back to profitnet €720
Net result €720 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Walcourt · 1 establishment unit since 2009
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.
Rue du Jardinet(Wal) 75650 WalcourtGround area
1,109 m²
Building footprint
137 m²
Parcel 93088A0054/00P000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Maison Dispa
since 20092.177.599.322
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93088A0054/00P000 | Wallonia | 1,109 m² | 1 · 137 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWalcourt2.177.599.322
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Of 2,395 companies in sector 55100 we hold annual accounts for 1,516. 1,006 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-03-2009
Fiscal year end31-12
Activities, NACEBEL
55100Hotels and similar accommodation
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.