Afsluitingen Jochems

Active

Private limited companyfounded 20205 yrs activeVelodreef 150, 2910 Essen, BelgiumKBO/BCE: BE 0755.937.430

The computed 12-month bankruptcy probability of Afsluitingen Jochems is 1.7% (moderate). The 2025 annual accounts show equity of €359k and a net result of €122k. Equity is growing by ~29.6% per year across the filed fiscal years. Its solvency ranks better than 92% of 27711 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

84 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+8

Solvency100=

Growth78▲+26

Track record94

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €30k at 30 days acceptable

Liquidity ample (current ratio 8.05 against 5.65 in 2024; short-term debt: 11.1% and cash: 35.1% of total assets), and 11.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

88.9%

Return on assets

30.3%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

22 d early

2024

1 d early

2023

23 d early

2022

25 d late

2021

18 d late

← before the deadline after the deadline →

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 months

Position in the running window

21-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€359k▲ 16.5%

2024 · €308k

2021: €73k 2022: €164k 2023: €241k 2024: €308k

2021 → 2025

Total assets

€403k▲ 8.3%

2024 · €373k

2021: €196k 2022: €283k 2023: €326k 2024: €373k

2021 → 2025

Net result

€122k▲ 79.4%

2024 · €68k

2021: €81k 2022: €101k 2023: €84k 2024: €68k

2021 → 2025

Working capital

€316k▲ 9.8%

2024 · €287k

2021: €56k 2022: €137k 2023: €220k 2024: €287k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€73k-€164k▲ 123%€241k▲ 47.2%€308k▲ 27.4%€359k▲ 16.5%

Operating result€106k-€131k▲ 24.1%€113k▼ 14.2%€91k▼ 19.1%€169k▲ 85.8%

Net result€81k-€101k▲ 23.4%€84k▼ 16.0%€68k▼ 19.3%€122k▲ 79.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 86% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €403k

11%

89.3%

Fixed assets €43k▲ 83.5%

Current assets €360k▲ 3.2%

Equity and liabilities €403k

88.9%

11%

Equity €359k▲ 16.5%

Debt €45k▼ 31.0%

The debt ratio falls from 17.4% to 11.1%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€183k▲

2024 · €101k

Cash flow

€136k▲

2024 · €78k

Solvency

88.9%▲

2024 · 82.6%

Current ratio

8.05▲

2024 · 5.65

Quick ratio

6.76▲

2024 · 4.78

Debt / equity

0.12▼

2024 · 0.21

ROE

34.1%▲

2024 · 22.2%

ROA

30.3%▲

2024 · 18.3%

Interest coverage

522.89▲

2024 · 348.39

Debt

€45k▼

2024 · €65k

Debt ≤ 1 year

€45k▼

2024 · €62k

Debt > 1 year

€0▼

2024 · €3k

Income taxes

€50k▲

2024 · €25k

Staff costs

€0▼

2024 · €540

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€373k€403k▲

Fixed assets21/28€23k€43k▲

Tangible fixed assets22/27€23k€43k▲

Plant, machinery and equipment23€2k€4k▲

Furniture and vehicles24€22k€39k▲

Current assets29/58€349k€360k▲

Stocks and contracts in progress3€54k€58k▲

Stocks30/36€54k€58k▲

Amounts receivable within one year40/41€77k€157k▲

Trade receivables40€71k€153k▲

Other amounts receivable41€7k€4k▼

Current investments50/53€209k€0▼

Cash at bank and in hand54/58€6k€142k▲

Deferred charges and accrued income490/1€3k€4k▲

Equity and liabilities

Total equity and liabilities10/49€373k€403k▲

Equity10/15€308k€359k▲

Contributions10/11€2k€2k=

Reserves13€306k€357k▲

Distributable reserves133€306k€357k▲

Profit (loss) carried forward14-€0

Amounts payable17/49€65k€45k▼

Amounts payable after more than one year17€3k€0▼

Financial debts170/4€3k€0▼

Amounts payable within one year42/48€62k€45k▼

Current portion of amounts payable after more than one year42€7k€3k▼

Trade debts44€15k€18k▲

Suppliers440/4€15k€18k▲

Taxes, remuneration and social security45€30k€15k▼

Taxes450/3€30k€15k▼

Other amounts payable47/48€10k€8k▼

Income statement Code20242025

Non-recurring operating income76A-€2k

Remuneration, social security and pensions62€540€0▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€13k▲

Other operating charges640/8€1k€2k▲

Non-recurring operating charges66A-€350

Gross operating margin9900€103k€185k▲

Operating profit (loss)9901€91k€169k▲

Financial income75/76B€3k€3k▲

Recurring financial income75€3k€3k▲

Financial charges65/66B€666€350▼

Recurring financial charges65€291€350▲

Non-recurring financial charges66B€375€0▼

Profit (loss) for the period before taxes9903€93k€172k▲

Income taxes67/77€25k€50k▲

Profit (loss) for the period9904€68k€122k▲

Profit (loss) for the period to be appropriated9905€68k€122k▲

Appropriation of the result

Profit (loss) to be appropriated9906€68k€122k▲

Transfer from equity791/2-€71k

Transfer to equity691/2€66k€122k▲

To other reserves6921€66k€122k▲

Profit to be distributed694/7€2k€71k▲

Return on contributions (dividend)694-€71k

Directors or managers695€2k€0▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 4Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

09-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2021net €122k ▲79.4%

Operating result €169k, net result €122k, both a record.

30-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €68k ▼19.3%

Net result drops to €68k, the lowest in the series; recovery starts the following year.

08-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Equity above €200kEq €241k ▲47.2%

3 profitable years in a row build equity to €241k.

25-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 25 days late

2022

31-12

Financial Equity above €150kEq €164k ▲123%

2 profitable years in a row build equity to €164k.

18-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 18 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Essen · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Velodreef 1502910 Essen

Ground area

2,999 m²

Building footprint

84 m²

Volume, LiDAR

459 m³

Parcel 11642D0622/00G011, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Afsluitingen Jochems

Velodreef 150, 2910 EssenManufacture of metal structures and parts of structures

since 20202.308.302.070

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11642D0622/00G011	Flanders	2,999 m²	1 · 84 m²	7.9 m · 2 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.

Similar companies · same sector, comparable size

DEJAEGER MEUBELATELIER

Denderleeuw · Eq €358k

Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 6,594 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-10-2020

Fiscal year end31-12

Activities, NACEBEL

43320Joinery installation

25110Manufacture of metal structures and parts of structures

25401Forging of metal

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.