ANN-JO
ActiveANN-JO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €24k. Equity is growing by ~114.3% per year across the filed fiscal years. Its solvency ranks better than 55% of 7689 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▲+5
Growth78=
Stability94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.17 against 1.94 in 2024), and 43.5% of the assets are financed with debt.
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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
56.5%
Return on assets
30.7%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 4 filingsDeviation from the deadline
2025
21 d late
2024
30 d late
2023
31 d late
2022
26 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▲ 119%
2024 · €20k
2022: €5k
2023: €6k
2024: €20k
2022 → 2025
Total assets
€79k▲ 87.7%
2024 · €42k
2022: €9k
2023: €11k
2024: €42k
2022 → 2025
Net result
€24k▲ 71.8%
2024 · €14k
2022: €3k
2023: €1k
2024: €14k
2022 → 2025
Working capital
€40k▲ 97.0%
2024 · €20k
2022: €5k
2023: €6k
2024: €20k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€5k-€6k▲ 29.7%€20k▲ 225%€45k▲ 119%
Operating result€5k-€2k▼ 49.8%€20k▲ 743%€38k▲ 89.5%
Net result€3k-€1k▼ 49.6%€14k▲ 883%€24k▲ 71.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 89% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79k
Fixed assets
€4k
Current assets
€75k
Equity and liabilities €79k
Equity
€45k▲ 119%
Debt
€34k▲ 58.3%
The debt ratio falls from 51.5% to 43.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€38k
Cash flow
€25k
Solvency
56.5%▲
2024 · 48.5%
Current ratio
2.17▲
2024 · 1.94
Quick ratio
2.17▲
2024 · 1.94
Debt / equity
0.77▼
2024 · 1.06
ROE
54.3%▼
2024 · 69.2%
ROA
30.7%▼
2024 · 33.6%
Interest coverage
128.80
Debt
€34k▲
2024 · €22k
Debt ≤ 1 year
€34k▲
2024 · €22k
Income taxes
€14k▲
2024 · €6k
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€42k€79k▲
Fixed assets21/28-€4k
Tangible fixed assets22/27-€4k
Plant, machinery and equipment23-€3k
Furniture and vehicles24-€1k
Current assets29/58€42k€75k▲
Amounts receivable within one year40/41€38k€15k▼
Trade receivables40€33k€4k▼
Other amounts receivable41€5k€12k▲
Cash at bank and in hand54/58€5k€57k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€42k€79k▲
Equity10/15€20k€45k▲
Contributions10/11€2k€2k=
Reserves13€18k€43k▲
Distributable reserves133€18k€43k▲
Amounts payable17/49€22k€34k▲
Amounts payable within one year42/48€22k€34k▲
Current portion of amounts payable after more than one year42-€10k
Trade debts44€12k€9k▼
Suppliers440/4€12k€9k▼
Advances received on contracts in progress46-€4k
Taxes, remuneration and social security45€10k€11k▲
Taxes450/3€10k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€576
Other operating charges640/8€505€717▲
Gross operating margin9900€20k€39k▲
Operating profit (loss)9901€20k€38k▲
Financial income75/76B€414€533▲
Recurring financial income75€414€533▲
Financial charges65/66B€325€297▼
Recurring financial charges65€325€297▼
Profit (loss) for the period before taxes9903€20k€38k▲
Income taxes67/77€6k€14k▲
Profit (loss) for the period9904€14k€24k▲
Profit (loss) for the period to be appropriated9905€14k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€24k▲
Transfer to equity691/2€14k€24k▲
To other reserves6921€14k€24k▲
The notes to these accounts (6 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-12
Financial
Highest result since 2022net €24k ▲71.8%
Operating result €38k, net result €24k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €1k ▼49.6%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lochristi · 1 establishment unit since 2022
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.
Wachtebeke-Dorp 509185 LochristiGround area
851 m²
Building footprint
304 m²
Volume, LiDAR
2,076 m³
2 parcels, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ANN-JO
since 20222.337.970.214
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44073D0882/00D000 | Flanders | 606 m² | 1 · 239 m² | 11.1 m · 3 fl. |
| 11023A0163/00S005 | Flanders | 245 m² | 1 · 65 m² | 9.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Paul Pauwels Management
BE 0761.369.826
Heist-op-den-Berg · Eq €45k
Livanco
BE 0464.952.177
Oostrozebeke · Eq €45k
Adviesbureau Borgers
BE 0432.694.036
Beerse · Eq €45k
SONMOTRA
BE 0803.684.491
Brussel · Eq €45k
Fox Office
BE 0806.526.888
Elsene · Eq €45k
Of 11,174 companies in sector 82100 we hold annual accounts for 3,487. 2,505 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2022
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.