ST JAMES
ActiveSummary
ST JAMES has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.28M and a net result of €385k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 462 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-1
Solvency100=
Growth65=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
short-term debt: 0.4% and cash: 0.4% of total assets, and 0.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 87
Relative position
BE, all sectors
reference
Sector 87
lower
← fewer bankruptcies
more bankruptcies →
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
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
99.6%
Return on assets
11.7%
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
31 d early
2023
15 d early
2022
32 d early
2021
53 d early
2020
9 d early
2019
15 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, abbreviated schema
Turnover
€511k▲ 3.2%
2024 · €495k
2018: €432k
2019: €441k
2020: €444k
2021: €434k
2024: €495k
2018 → 2025
EBIT margin
89.8%▼ 0.8pp
2024 · 90.6%
2018: 73.3%
2019: 73.9%
2020: 85.0%
2021: 88.6%
2024: 90.6%
2018 → 2025
Net result
€385k▲ 0.8%
2024 · €382k
2018: €226k
2019: €234k
2020: €288k
2021: €297k
2022: €296k
2023: €340k
2024: €382k
2018 → 2025
Working capital
€3.00M▲ 15.0%
2024 · €2.61M
2018: €902k
2019: €1.17M
2020: €1.48M
2021: €1.79M
2022: €2.10M
2023: €2.25M
2024: €2.61M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€434k-€495k€511k▲ 3.2%
Equity€1.88M-€2.18M▲ 15.7%€2.52M▲ 15.6%€2.90M▲ 15.2%€3.28M▲ 13.3%
Operating result€384k-€377k▼ 1.8%€408k▲ 8.1%€448k▲ 9.9%€459k▲ 2.4%
Net result€297k-€296k▼ 0.5%€340k▲ 14.8%€382k▲ 12.4%€385k▲ 0.8%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.30M
Fixed assets
€281k ▼ 3.7%
Current assets
€3.02M ▲ 14.6%
Equity and liabilities €3.30M
Equity
€3.28M ▲ 13.3%
Debt
€13k ▼ 46.2%
Debt's share of the balance-sheet total falls from 0.8% to 0.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€470k▲
2024 · €460k
Cash flow
€396k▲
2024 · €393k
Debt to equity
0.00▼
2024 · 0.01
ROE
11.7%▼
2024 · 13.2%
ROA
11.7%▼
2024 · 13.1%
Interest coverage
906.32▼
2024 · 988.11
Debt ≤ 1 year
€12k▼
2024 · €20k
Income taxes
€128k▼
2024 · €133k
A ratio outside any meaningful range has been withheld (balance sheet total €3.30M, equity €3.28M).
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.92M€3.30M▲
Fixed assets21/28€292k€281k▼
Tangible fixed assets22/27€292k€281k▼
Land and buildings22€156k€154k▼
Other tangible fixed assets26€28k€25k▼
Assets under construction and advance payments27€107k€101k▼
Current assets29/58€2.63M€3.02M▲
Amounts receivable within one year40/41€2.59M€3.00M▲
Trade receivables40€67k€55k▼
Other amounts receivable41€2.52M€2.95M▲
Cash at bank and in hand54/58€41k€14k▼
Equity and liabilities
Total equity and liabilities10/49€2.92M€3.30M▲
Equity10/15€2.90M€3.28M▲
Contributions10/11€66k€66k=
Reserves13€7k€7k=
Non-distributable reserves130/1€7k€7k=
Reserves not available under the articles1311€7k€7k=
Profit (loss) carried forward14€2.83M€3.21M▲
Amounts payable17/49€23k€13k▼
Amounts payable within one year42/48€20k€12k▼
Trade debts44€20k€12k▼
Suppliers440/4€20k€12k▼
Taxes, remuneration and social security45€100-
Taxes450/3€100-
Accrued charges and deferred income492/3€3k€194▼
Income statement
Code20242025
Turnover70€495k€511k▲
Goods, raw materials, services and sundry goods60/61€34k€40k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€12k€998▼
Gross operating margin9900€472k€471k▼
Operating profit (loss)9901€448k€459k▲
Financial income75/76B€67k€55k▼
Recurring financial income75€67k€55k▼
Financial charges65/66B€465€518▲
Recurring financial charges65€465€518▲
Profit (loss) for the period before taxes9903€514k€513k▼
Income taxes67/77€133k€128k▼
Profit (loss) for the period9904€382k€385k▲
Profit (loss) for the period to be appropriated9905€382k€385k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.83M€3.21M▲
Profit (loss) brought forward from the previous period14P€2.45M€2.83M▲
The notes to these accounts (7 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €385k ▲0.8%
Operating result €459k, net result €385k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 132.47
Current ratio from 36.34 to 132.47; short-term debt falls from €64k to €20k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Liquidity triplescurrent ratio 483.84
Current ratio from 162.50 to 483.84; short-term debt falls from €11k to €4k.
31-12
Financial
Equity above €2MEq €2.18M ▲15.7%
5 profitable years in a row build equity to €2.18M.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Liquidity triplescurrent ratio 129.68
Current ratio from 47.88 to 129.68; short-term debt falls from €25k to €12k.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
16 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, La Hulpe · 1 establishment unit since 1985
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 Wolfers 91310 La HulpeGround area
2,252 m²
Building footprint
423 m²
Volume, LiDAR
4,107 m³
Parcel 25050F0026/00B018, Wallonia · tallest building 15.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Avenue Wolfers 9, 1310 La Hulpe
since 19852.028.191.113
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050F0026/00B018 | Wallonia | 2,252 m² | 1 · 423 m² | 15.6 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 601 companies in sector 87301 we hold annual accounts for 493. 347 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
Founded06-03-1985
Fiscal year end31-12
Activities, NACEBEL 2025
87301Residential care activities
55100Hotels and similar accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.