J. JOANNES
ActiveJ. JOANNES has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €-10k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-32
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 5.03 against 4.65 in 2024), and 18% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 →
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 filingsDeviation from the deadline
2025
14 d early
2024
16 d early
2023
29 d early
2022
28 d early
2021
27 d early
2020
18 d early
2019
21 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€91k▼ 10.3%
2024 · €101k
2018: €59k
2019: €60k
2020: €101k
2021: €121k
2022: €101k
2023: €95k
2024: €101k
2018 → 2025
Total assets
€111k▼ 12.0%
2024 · €126k
2018: €93k
2019: €92k
2020: €152k
2021: €157k
2022: €154k
2023: €135k
2024: €126k
2018 → 2025
Net result
€-10k
2024 · €6k
2018: €6k
2019: €2k
2020: €41k
2021: €20k
2022: €-20k
2023: €-6k
2024: €6k
2018 → 2025
Working capital
€80k▼ 7.2%
2024 · €87k
2018: €58k
2019: €60k
2020: €113k
2021: €121k
2022: €90k
2023: €81k
2024: €87k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€121k-€101k▼ 16.4%€95k▼ 6.2%€101k▲ 6.8%€91k▼ 10.3%
Operating result€17k-€-22k€-7k▲ 65.4%€5k€-12k
Net result€20k-€-20k€-6k▲ 68.5%€6k€-10k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12k after €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111k
Fixed assets
€10k▼ 32.7%
Current assets
€100k▼ 9.1%
Equity and liabilities €111k
Equity
€91k▼ 10.3%
Debt
€20k▼ 19.0%
The debt ratio falls from 19.6% to 18.0%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-7k▼
2024 · €10k
Cash flow
€-5k▼
2024 · €12k
Solvency
82.0%▲
2024 · 80.4%
Current ratio
5.03▲
2024 · 4.65
Quick ratio
2.30▲
2024 · 1.86
Debt / equity
0.22▼
2024 · 0.24
ROE
-11.5%▼
2024 · 6.3%
ROA
-9.4%▼
2024 · 5.1%
Interest coverage
-8.14▼
2024 · 6.95
Debt
€20k▼
2024 · €25k
Debt ≤ 1 year
€20k▼
2024 · €24k
Debt > 1 year
€0▼
2024 · €909
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€126k€111k▼
Fixed assets21/28€15k€10k▼
Tangible fixed assets22/27€15k€10k▼
Furniture and vehicles24€9k€5k▼
Other tangible fixed assets26€6k€6k▼
Financial fixed assets28-€167
Current assets29/58€110k€100k▼
Stocks and contracts in progress3€66k€54k▼
Stocks30/36€66k€54k▼
Amounts receivable within one year40/41€6k€12k▲
Trade receivables40€6k€7k▲
Other amounts receivable41€140€5k▲
Current investments50/53€22k€18k▼
Cash at bank and in hand54/58€13k€12k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€126k€111k▼
Equity10/15€101k€91k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€13k€13k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€26k€15k▼
Amounts payable17/49€25k€20k▼
Amounts payable after more than one year17€909€0▼
Financial debts170/4€909€0▼
Amounts payable within one year42/48€24k€20k▼
Current portion of amounts payable after more than one year42€6k€909▼
Financial debts43€1k€691▼
Credit institutions430/8€1k€691▼
Trade debts44€681€324▼
Suppliers440/4€681€324▼
Taxes, remuneration and social security45€6k€11k▲
Taxes450/3€6k€11k▲
Other amounts payable47/48€10k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€177€-169▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€12k€-6k▼
Operating profit (loss)9901€5k€-12k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€1k€865▼
Recurring financial charges65€1k€865▼
Profit (loss) for the period before taxes9903€6k€-10k▼
Profit (loss) for the period9904€6k€-10k▼
Profit (loss) for the period to be appropriated9905€6k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€15k▼
Profit (loss) brought forward from the previous period14P€19k€26k▲
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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €101k ▲6.8%
Equity rises from €95k to €101k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-20k ▼202%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €41k ▲2483%
Operating result €39k, net result €41k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲67.9%
3 profitable years in a row build equity to €101k.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Namur · 1 establishment unit since 1992
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.
Rue des Fossés Fleuris 305000 NamurGround area
150 m²
Building footprint
105 m²
Parcel 92094C0963/00A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue des Fossés Fleuris 30, 5000 Namur
since 19922.059.587.142
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92094C0963/00A000 | Wallonia | 150 m² | 1 · 105 m² | - |
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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Elektro Van de Velde & Zoon
BE 0469.335.488
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ELECTRO PAJOTTENLAND
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Of 1,503 companies in sector 47540 we hold annual accounts for 801. 639 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-09-1992
Fiscal year end31-12
Activities, NACEBEL
47540Retail sale of electrical household appliances
52450
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.