BRIAN JOYEUX
ActiveSummary
The computed 12-month bankruptcy probability of BRIAN JOYEUX is 1.5% (moderate). The 2025 annual accounts show equity of €425k and a net result of €119k. Equity is growing by ~31.9% per year across the filed fiscal years. Its solvency ranks better than 46% of 10359 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-11
Solvency58▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.83 against 0.56 in 2024; short-term debt: 22.4% and cash: 12.9% of total assets), and 66.8% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
33.2%
Return on assets
9.3%
Age of the figures
9 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
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
8 d early
2023
31 d late
2022
27 d early
2021
17 d early
2020
11 d early
2019
25 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€119k▼ 46.5%
2024 · €222k
2018: €23k
2019: €22k
2020: €47k
2021: €81k
2022: €145k
2023: €68k
2024: €222k
2018 → 2025
Working capital
€-50k▲ 65.7%
2024 · €-144k
2018: €45k
2019: €52k
2020: €77k
2021: €74k
2022: €124k
2023: €169k
2024: €-144k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€107k-€166k▲ 54.9%€234k▲ 41.0%€314k▲ 34.3%€425k▲ 35.4%
Operating result€101k-€176k▲ 74.0%€97k▼ 44.8%€281k▲ 188%€178k▼ 36.6%
Net result€81k-€145k▲ 79.9%€68k▼ 53.2%€222k▲ 227%€119k▼ 46.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.28M
Fixed assets
€1.04M ▼ 3.3%
Current assets
€237k ▲ 27.8%
Equity and liabilities €1.28M
Equity
€425k ▲ 35.4%
Debt
€854k ▼ 10.1%
Debt's share of the balance-sheet total falls from 75.2% to 66.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€288k▼
2024 · €330k
Cash flow
€229k▼
2024 · €272k
Current ratio
0.83▲
2024 · 0.56
Quick ratio
0.68▲
2024 · 0.47
Debt to equity
2.01▼
2024 · 3.03
ROE
28.0%▼
2024 · 70.8%
ROA
9.3%▼
2024 · 17.6%
Interest coverage
8.25▼
2024 · 10.75
Debt ≤ 1 year
€287k▼
2024 · €330k
Debt > 1 year
€568k▼
2024 · €620k
Income taxes
€25k▼
2024 · €28k
Staff costs
€343k▲
2024 · €297k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 60 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.26M€1.28M▲
Fixed assets21/28€1.08M€1.04M▼
Intangible fixed assets21€8k€5k▼
Tangible fixed assets22/27€1.06M€1.03M▼
Land and buildings22€928k€872k▼
Plant, machinery and equipment23€118k€141k▲
Furniture and vehicles24€5k€7k▲
Other tangible fixed assets26€13k€12k▼
Financial fixed assets28€6k€6k=
Current assets29/58€185k€237k▲
Stocks and contracts in progress3€31k€42k▲
Stocks30/36€31k€42k▲
Amounts receivable within one year40/41€27k€25k▼
Trade receivables40€16k€19k▲
Other amounts receivable41€11k€6k▼
Cash at bank and in hand54/58€125k€165k▲
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.26M€1.28M▲
Equity10/15€314k€425k▲
Contributions10/11€6k€6k=
Reserves13€47k€377k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€15k€45k▲
Distributable reserves133€30k€330k▲
Profit (loss) carried forward14€261k€34k▼
Investment grants15-€8k
Amounts payable17/49€950k€854k▼
Amounts payable after more than one year17€620k€568k▼
Financial debts170/4€620k€568k▼
Amounts payable within one year42/48€330k€287k▼
Current portion of amounts payable after more than one year42€49k€51k▲
Trade debts44€45k€38k▼
Suppliers440/4€45k€38k▼
Taxes, remuneration and social security45€88k€119k▲
Taxes450/3€30k€58k▲
Remuneration and social security454/9€57k€61k▲
Other amounts payable47/48€148k€79k▼
Income statement
Code20242025
Remuneration, social security and pensions62€297k€343k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€110k▲
Other operating charges640/8€8k€8k▲
Non-recurring operating charges66A€6k-
Gross operating margin9900€641k€639k▼
Operating profit (loss)9901€281k€178k▼
Financial income75/76B€32€923▲
Recurring financial income75€32€923▲
Financial charges65/66B€31k€35k▲
Recurring financial charges65€31k€35k▲
Profit (loss) for the period before taxes9903€250k€144k▼
Income taxes67/77€28k€25k▼
Profit (loss) for the period9904€222k€119k▼
Profit (loss) for the period to be appropriated9905€222k€119k▼
Appropriation of the result
Profit (loss) to be appropriated9906€403k€380k▼
Profit (loss) brought forward from the previous period14P€181k€261k▲
Transfer to equity691/2-€330k
To other reserves6921-€330k
Profit to be distributed694/7€142k€16k▼
Return on contributions (dividend)694€100k-
Directors or managers695€42k€16k▼
Social balance
Average headcount (FTE)90875.68.1▲
The notes to these accounts (12 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €222k ▲227%
Operating result €281k, net result €222k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-12
Financial
Equity above €200kEq €234k ▲41%
6 profitable years in a row build equity to €234k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €150kEq €166k ▲54.9%
5 profitable years in a row build equity to €166k.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €100kEq €102k ▲30.3%
3 profitable years in a row build equity to €102k.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €22k ▼3.3%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
Show earlier events
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brussel · 2 establishment units since 2014
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.
Zennestraat 251000 BrusselGround area
2,546 m²
Building footprint
1,132 m²
Volume, LiDAR
19,914 m³
3 parcels, Brussels · tallest building 29.9 m, ±8 floors. Linked by address, not a title deed.
2 establishment units
BRIAN JOYEUX
since 20142.226.389.332
BRIAN JOYEUX
since 20242.353.916.123
3 parcels
Brussels
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21811M2562/00T009 | Brussels | 1,672 m² | 1 · 296 m² | 14.6 m · 4 fl. |
| 21803C1124/00G000 | Brussels | 805 m² | 1 · 767 m² | 29.9 m · 8 fl. |
| 21803C1131/00R000 | Brussels | 69 m² | 1 · 69 m² | 21.8 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
2 sitesBrussel2.226.389.332
Brussel2.353.916.123
Similar companies · same sector, comparable size
BAKKERIJ WILLEMS
BE 0821.323.744
Evergem · Eq €421k
Brocenter Noord
BE 0727.701.423
Gent · Eq €432k
Bakkerij Hacke
BE 0476.325.527
Blankenberge · Eq €433k
VLDG
BE 0758.557.717
Sint-Lambrechts-Woluwe · Eq €416k
PASI
BE 0419.326.347
Koekelberg · Eq €435k
Of 2,407 companies in sector 47241 we hold annual accounts for 1,100. 629 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2014
Fiscal year end31-12
Activities, NACEBEL 2025
10720Manufacture of food products
47241Retail sale of bread and pastry (bakery outlets)
10520Manufacture of food products
10820Manufacture of cocoa, chocolate and sugar confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:0484947598
Phone:022190903