BELLOY JO
ActiveBELLOY JO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €8k and a net result of €-32. Equity is shrinking by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 19% of 11613 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
20
/ 100
Critical▼ -24 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-17
Solvency12▲+1
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.47 against 0.53 in 2023), and 81.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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 2024Solvency, return and age of the figures
Solvency
18.1%
Return on assets
-0.1%
Age of the figures
20 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 11613 sector peers (2024).
NBB · sector comparisonPosition among 11613 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
37 d early
2022
32 d early
2021
28 d early
2020
7 d early
2019
8 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€8k▼ 0.4%
2023 · €8k
2018: €20k
2019: €20k
2020: €20k
2021: €17k
2022: €8k
2023: €8k
2018 → 2024
Total assets
€46k▼ 18.1%
2023 · €56k
2018: €79k
2019: €82k
2020: €97k
2021: €82k
2022: €66k
2023: €56k
2018 → 2024
Net result
€-32
2023 · €290
2018: €262
2019: €-525
2020: €-207
2021: €-2k
2022: €-9k
2023: €290
2018 → 2024
Working capital
€-20k▼ 8.0%
2023 · €-19k
2018: €18k
2019: €10k
2020: €9k
2021: €5k
2022: €-7k
2023: €-19k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€20k-€17k▼ 11.5%€8k▼ 53.6%€8k▲ 3.6%€8k▼ 0.4%
Operating result€687-€-2k€-9k▼ 403%€508€591▲ 16.3%
Net result€-207-€-2k▼ 990%€-9k▼ 314%€290€-32
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 16% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €46k
Fixed assets
€28k▼ 20.3%
Current assets
€18k▼ 14.3%
Equity and liabilities €46k
Equity
€8k▼ 0.4%
Debt
€38k▼ 21.2%
The debt ratio falls from 85.1% to 81.9%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€8k▲
2023 · €2k
Cash flow
€7k▲
2023 · €2k
Solvency
18.1%▲
2023 · 14.9%
Current ratio
0.47▼
2023 · 0.53
Quick ratio
0.43▼
2023 · 0.49
Debt / equity
4.53▼
2023 · 5.73
ROE
-0.4%▼
2023 · 3.5%
ROA
-0.1%▼
2023 · 0.5%
Interest coverage
12.55▲
2023 · 10.74
Debt
€38k▼
2023 · €48k
Debt ≤ 1 year
€38k▼
2023 · €39k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€56k€46k▼
Fixed assets21/28€36k€28k▼
Tangible fixed assets22/27€36k€28k▼
Land and buildings22€15k€11k▼
Plant, machinery and equipment23€1k€884▼
Furniture and vehicles24€19k€16k▼
Financial fixed assets28€124€124=
Current assets29/58€21k€18k▼
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€3k€6k▲
Trade receivables40€3k€6k▲
Cash at bank and in hand54/58€16k€9k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€56k€46k▼
Equity10/15€8k€8k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€301€269▼
Amounts payable17/49€48k€38k▼
Amounts payable after more than one year17€9k-
Financial debts170/4€9k-
Amounts payable within one year42/48€39k€38k▼
Current portion of amounts payable after more than one year42€14k€9k▼
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€601€806▲
Taxes450/3€601€806▲
Other amounts payable47/48€23k€28k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€7k▲
Other operating charges640/8€957€792▼
Gross operating margin9900€3k€9k▲
Operating profit (loss)9901€508€591▲
Financial income75/76B€5€2▼
Recurring financial income75€5€2▼
Financial charges65/66B€223€625▲
Recurring financial charges65€223€625▲
Profit (loss) for the period before taxes9903€290€-32▼
Profit (loss) for the period9904€290€-32▼
Profit (loss) for the period to be appropriated9905€290€-32▼
Appropriation of the result
Profit (loss) to be appropriated9906€301€269▼
Profit (loss) brought forward from the previous period14P€11€301▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €290
Net result €290 after 4 loss-making years.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
20-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 204 days late
2018
07-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
19-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Staden · 1 establishment unit since 2008
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.
Handzamestraat(STA) 28840 StadenGround area
5,613 m²
Building footprint
213 m²
Volume, LiDAR
1,119 m³
Parcel 36019A0138/00F000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BELLOY JO BVBA
since 20082.171.198.411
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36019A0138/00F000 | Flanders | 5,613 m² | 1 · 213 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.
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Of 2,256 companies in sector 71113 we hold annual accounts for 656. 374 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-06-2008
Fiscal year end31-12
Activities, NACEBEL
71113Urban planning and landscape architecture
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.
Contact details
2 entriesE-mail:jo.belloy@skynet.be
Phone:0475502102