Cédric Jochems
ActiveSummary
Cédric Jochems has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €121k and a net result of €105k. Its solvency ranks better than 58% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
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
Profitability100
Solvency85
Growth-
Track record79
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.53; short-term debt: 37.2% and cash: 52% of total assets), and 39.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
60.4%
Return on assets
52.4%
Age of the figures
9 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 28-08-2026, 28 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 · 1 filingDeviation from the deadline
2025
28 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€121k
Total assets
€200k
Net result
€105k
Working capital
€114k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €200k
Fixed assets
€12k
Current assets
€188k
Equity and liabilities €200k
Equity
€121k
Debt
€79k
Debt finances 39.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€159k
Cash flow
€112k
Current ratio
2.53
Debt to equity
0.66
ROE
86.9%
ROA
52.4%
Interest coverage
60.28
Debt ≤ 1 year
€74k
Debt > 1 year
€5k
Income taxes
€45k
Staff costs
€30k
Filed annual accounts As filed with the NBB · 2025 · 45 lines
Balance sheet
Code2025
Assets
Total assets20/58€200k
Fixed assets21/28€12k
Intangible fixed assets21€852
Tangible fixed assets22/27€11k
Plant, machinery and equipment23€2k
Furniture and vehicles24€9k
Current assets29/58€188k
Amounts receivable within one year40/41€76k
Trade receivables40€76k
Cash at bank and in hand54/58€104k
Deferred charges and accrued income490/1€8k
Equity and liabilities
Total equity and liabilities10/49€200k
Equity10/15€121k
Contributions10/11€1k
Reserves13€105k
Distributable reserves133€105k
Profit (loss) carried forward14€15k
Amounts payable17/49€79k
Amounts payable after more than one year17€5k
Financial debts170/4€5k
Amounts payable within one year42/48€74k
Current portion of amounts payable after more than one year42€3k
Trade debts44€35k
Suppliers440/4€35k
Taxes, remuneration and social security45€36k
Taxes450/3€28k
Remuneration and social security454/9€8k
Other amounts payable47/48€577
Income statement
Code2025
Remuneration, social security and pensions62€30k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k
Other operating charges640/8€491
Gross operating margin9900€190k
Operating profit (loss)9901€153k
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€3k
Recurring financial charges65€3k
Profit (loss) for the period before taxes9903€150k
Income taxes67/77€45k
Profit (loss) for the period9904€105k
Profit (loss) for the period to be appropriated9905€105k
Appropriation of the result
Profit (loss) to be appropriated9906€120k
Profit (loss) brought forward from the previous period14P€15k
Transfer to equity691/2€105k
To other reserves6921€105k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
NBB filing
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, Rijkevorsel · 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.
Bolksedijk 252310 RijkevorselGround area
2,592 m²
Building footprint
225 m²
Volume, LiDAR
1,232 m³
Parcel 13037B0544/00Y000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cédric Jochems
since 20222.335.065.162
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13037B0544/00Y000 | Flanders | 2,592 m² | 1 · 225 m² | 9.6 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,155 EUR awarded · 1,155 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,155 EUR | 1,155 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,161 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
Founded02-09-2022
Fiscal year end31-12
Legal name NL
You Know Who
Activities, NACEBEL 2025
59113Video and film production, excluding cinema and television films
82990Other business support services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
74120Graphic design and visual communication
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.