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J. JOANNES

Active
Public limited companyfounded 1992active for 34 yearsRue des Fossés Fleuris 30, 5000 Namur, BelgiumKBO/BCE: BE 0448.234.129

From the official registers: KBO 33 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

J. JOANNES has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90,691 and a net result of -€10,409. Equity has been growing by about 3.1% per year since 2018. Its solvency ranks better than 91% of 12,757 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Official details

KBO
Status
Active since 23-09-1992 Normal situation
Activity
Retail sale of electrical household appliances NACE 47540
Establishment unit
2.059.587.142 5000 Namur, since 18-11-1992
Financial year end
31 December
Peppol
Reachable since 24-11-2025

Board and ownership

Board

Financial position

83 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Annual accounts 2025
Gross margin
-€5,672
Loss
€10,409
Equity
€90,691
▼ 10.3%
Total assets
€110,635
▼ 12.0%
Turnover not published (abbreviated or micro format)
Filed on 17-07-2026, 14 days before the deadlineat the National Bank
Score breakdownraises riskLoss of €10,409 (financial year 2025)Sector: Retail trade (NACE 47)lowers riskFounded in 1992Equity €90,691 (82.0% of total assets)Show the evidence

Checked score

Score 2025
83 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 50% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Average
Solvency 100=
equity 82.0% of total assets
Liquidity 58+1
short-term debt 18.0% · cash 10.7%
Profitability 7-68
return on assets -9.4%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.2%▲ +0.1 percentage points vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.1%▼ -0.1 percentage points vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.2%▲ +0.1 percentage points vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.4%▲ +0.2 percentage points vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.4%● unchanged vs 09-2026highest value
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.03 (4.65 in 2024), above the usual 1.5. Short-term debt is 18% and cash 10.7% of total assets. 18% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 92% of them on solvency, 65% on liquidity, 16% on profitability and 26% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Loss of €10,409 (financial year 2025)
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Founded in 1992
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Equity €90,691 (82.0% of total assets)
NBB · annual accounts
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
14 days early
2024
16 days early
2023
29 days early
2022
28 days early
2021
27 days early
2020
18 days early
2019
21 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 22 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 82% of companies in retail tradesector median €27,641 · 12,747 companies -€10,409 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

Comparable companies

These companies have the same main activity as J. JOANNES: retail sale of electrical household appliances (NACE 47540). They are comparable in size and age: total assets between €74,800 and €153,000, founded between 1986 and 1995.

CompanyTotal assetsGross margin
J. JOANNES Namur€110,635-€5,672
Ronny's H.Q. Deinze€142,681-€20,821
MADUELECTRO Gembloux€152,634-€1,259
TOPDISC Torhout€152,700-€1,420
SA Jean Hamays Ecaussinnes€122,432-€12,499
D.D.F. ELECTRICITE Elsene€74,796€674
ELECTROTHEQUE La Louvière€76,102-€13,609
Full comparison

Documents

Annual accounts at the NBB

All 33 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about J. JOANNES

What is the company number of J. JOANNES?
The company number of J. JOANNES is 0448.234.129. The VAT number is the same number with BE in front: BE 0448.234.129.
Where is J. JOANNES based?
The registered office is at Rue des Fossés Fleuris 30, 5000 Namur.Company details
What does J. JOANNES do?
According to the KBO register, the main activity is retail sale of electrical household appliances (NACE 47540).
What is the legal form of J. JOANNES?
The legal form of J. JOANNES is Public limited company (NV).
When was J. JOANNES founded?
J. JOANNES was founded on 23-09-1992.
Is J. JOANNES still active?
Yes, J. JOANNES is an active enterprise in the KBO register.
What is the turnover of J. JOANNES?
The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.Financials
Is J. JOANNES profitable?
In financial year 2025, J. JOANNES made a loss of €10,409.
Where can I find the annual accounts of J. JOANNES?
J. JOANNES filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of J. JOANNES due?
J. JOANNES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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