For investors
Screen a target on five years of annual accounts before you invest
See the profit, equity, debts and directors of a Belgian SME from the filed annual accounts, before the first meeting with the founders.
Greenfield Energy NV
ActiveBE 0567.123.456
Equity
ROE
14.7%
Solv.
48.2%
Debt/Equity
0.72
Very low risk
Target companies
Sound familiar?
Know what the annual accounts say before you negotiate
For business angels and SME investors who want to check a file before the first meeting.
Problem
- Limited visibility into the financial health of potential investments.
- Hard to check the growth in the pitch deck against the figures the company itself filed.
- Outdated or incomplete data when evaluating targets.
- Time lost looking up annual accounts at the NBB and directors in the CBE separately.
Solution
- See the key figures and ratios of the last financial years side by side.
- Read the AI risk analysis: strengths and weaknesses based on the last three annual accounts.
- See who holds the capital and which other mandates the directors have.
- Compare the target with sector peers and with other candidates in your list.
- Download the PDF report as an attachment to your investment file.
FINANCIAL RATIOS
Five years of the target's key figures side by side
See profit, equity, debt ratio and, where filed, turnover per financial year. That shows whether the growth in the pitch deck is also in the filed figures.
- Multi-year trends
- See how key ratios evolve over time to identify improving or deteriorating performance.
- Sector benchmarks
- Compare any company's ratios against sector averages to see if performance is above or below par.
- Complete ratio set
- All relevant ratios, from gross margin to debt-to-equity, calculated automatically from official annual accounts.
| Financial ratios | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
|
Solvability
|
|
42.1% | 38.7% | 35.2% |
|
Liquidity
|
|
1.85 | 1.62 | 1.54 |
|
Profitability
|
|
8.3% | 6.1% | 7.8% |
|
Turnover
|
|
€2.4M | €2.1M | €1.8M |
|
Long term debt ratio
|
|
57.9% | 61.3% | 64.8% |
AI RISK ANALYSIS
Strengths and weaknesses in one summary
AI risk analysis: a summary of the target's strengths and weaknesses, based on the last three annual accounts.
- Health score
- Every company gets a Health score from 1 to 5, calculated on solvency, liquidity and profitability from the last three annual accounts.
- Risk signals
- Negative equity, loss-making years, weak liquidity or a high debt ratio are listed separately.
- Readable conclusion
- The analysis sums up the figures in plain language, so you know which questions to ask at the first meeting.
NETWORK ANALYSIS
Map corporate ownership and director networks
Visualise the network of directors, shareholders and related companies to see who else holds the capital and which other mandates the directors have.
- Ownership structure
- See all shareholders, participations, and subsidiaries in one interactive visualisation.
- Director mandates
- See parent and subsidiary companies and participations as recorded in the annual accounts.
- Interactive exploration
- Click through the network and expand nodes to reveal deeper layers of the corporate structure.
How does Jaarrekening.be help investors?
What you learn about a target before you negotiate.
Financial ratios
Profit, equity, debt ratio and turnover (where filed) per financial year, with charts over recent years.
AI risk analysis
A summary of the target's strengths and weaknesses, based on the last three annual accounts.
Corporate network
Map out ownership structures and director networks across companies.
Sector comparison
Compare the target with sector peers on solvency, liquidity and profitability.
Company reports
Download comprehensive PDF reports for your investment committee.
Trend analysis
Download the PDF report with key figures, ratios and directors as an attachment to your investment file.
Frequently asked questions
How many years of history can I see?
All annual accounts that the National Bank of Belgium provides electronically. For most companies that goes back more than ten years. The charts on the company page show the evolution of the key figures per financial year; the year-by-year history of directors, addresses and legal form is part of the Pro plan.
Can I see the shareholders?
If the company includes its shareholder structure in the annual accounts, you see it on the Structure tab, together with the participations the company itself holds. We do not consult the UBO register, so shareholders who are not in the annual accounts are not shown.
Can I compare several target companies?
Yes. Put the candidates in a list and sort them by Health score and key figures, or export the list to Excel. Lists and exports are part of the Pro plan. The comparison with sector peers is on every company page.
Can I find data on companies outside Belgium?
Yes. Alongside Belgian annual accounts, you also find international reports here. For a dedicated European database we partner with Valifin, our platform for company data in France, Denmark, Luxembourg, Norway and Sweden.
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