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BERNARD JOSKIN

Active
Private limited companyfounded 196858 yrs activeRue du Centre 7, 4140 Sprimont, BelgiumKBO/BCE: BE 0402.453.295
Summary

BERNARD JOSKIN has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €244,525 and a net result of -€6,709. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 83% of 5614 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
BERNARD JOSKINActiveChecked score 95/100
Risk analysis ReportCompare

Overview

Activity
Freight transport by road
NACE 49410NACE 60242
1 site
Size
€327,562total assets 2025
Staff
3 FTE
Equity
€244,525
Loss
-€6,709
Turnover not published (abridged schema)
Financial health
95 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts 1 d early0 of 2 deeds read
Why 95- Sector Land transport and transport via pipelines (NACE 49)+ Founded in 1968+ Liquidity: current ratio 1.96, cash €82,000+ Equity €244,525 (74.7% of total assets)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Better than 58% of its sector peers (NACE 49, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 74.7% of total assets
Liquidity 72+10
short-term debt 25.3% · cash 25.0%
Profitability 66+14
return on assets -2.0%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (9,056 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%▲ +10.6% vs 03-2025 05-2025: 0.1%▲ +0.9% vs 04-2025 06-2025: 0.1%● 0.0% vs 05-2025 07-2025: 0.1%▲ +25.9% vs 06-2025 08-2025: 0.3%▲ +97.9% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%▼ -0.3% vs 12-2025 02-2026: 0.3%● 0.0% vs 01-2026 03-2026: 0.3%● 0.0% vs 02-2026 04-2026: 0.3%▲ +9.4% vs 03-2026 05-2026: 0.3%▲ +0.6% vs 04-2026 06-2026: 0.3%● 0.0% vs 05-2026 07-2026: 0.3%▲ +4.4% vs 06-2026highest value 08-2026: 0.1%▼ -70.4% vs 07-2026lowest value 09-2026: 0.1%● 0.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Sector Land transport and transport via pipelines (NACE 49) raises the probability
  • Founded in 1968 lowers the probability for this profile
  • Liquidity: current ratio 1.96, cash €82,000 lowers the probability
  • Equity €244,525 (74.7% of total assets) lowers the probability
Credit up to €23,000 at 30 days acceptable
Liquidity ample (current ratio 1.96 against 1.49 in 2024; short-term debt: 25.3% and cash: 25% of total assets), and 25.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 49, micro). Better than this share of them on solvency 84%, liquidity 78%, profitability 37%, growth against the median 33%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Land transport and transport via pipelines (NACE 49)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Founded in 1968
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 1.96, cash €82,000
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €244,525 (74.7% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€6,709
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 d early
2024
on the day
2023
27 d early
2022
28 d early
2021
24 d early
2020
3 d early
2019
5 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 11 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 49% of the sector filed late.

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. Usually files around 7 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Weakest financial yearnet -€31,118

Key points

  • Caution: Among the weakest 18% on net resultsector median €5,808 · 5,589 companies -€6,709 View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€6,709 View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View
  • Active since 1968founded 01-01-1968 58 years View

By topic

Financials

Fiscal year
2025
Total assets
€327,562
Loss
-€6,709
Solvency
74.7%
Total assets▼ 1.6%
Net result
20182025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 30-07-2026Annual accounts filed
  2. 31-07-2025Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Freight transport by roadNACE 49410
Founded
01-01-1968
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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