J.O.J.C.
ActiveJ.O.J.C. has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €184k and a net result of €239. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 83% of 18940 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability37▼-47
Solvency93=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.85 in 2023; short-term debt: 31.7% and cash: 27.7% of total assets), and 31.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €184k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
71 d late
2022
60 d late
2021
53 d late
2020
81 d early
2019
11 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€184k▲ 0.1%
2023 · €183k
2018: €242k
2019: €257k
2020: €115k
2021: €129k
2022: €151k
2023: €183k
2018 → 2024
Total assets
€269k▲ 0.1%
2023 · €269k
2018: €337k
2019: €350k
2020: €222k
2021: €237k
2022: €233k
2023: €269k
2018 → 2024
Net result
€239▼ 99.3%
2023 · €32k
2018: €11k
2019: €16k
2020: €-142k
2021: €14k
2022: €22k
2023: €32k
2018 → 2024
Working capital
€26k▼ 63.4%
2023 · €72k
2018: €125k
2019: €121k
2020: €720
2021: €8k
2022: €34k
2023: €72k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€115k-€129k▲ 12.1%€151k▲ 17.4%€183k▲ 21.2%€184k▲ 0.1%
Operating result€-132k-€18k€30k▲ 72.8%€37k▲ 21.5%€6k▼ 84.4%
Net result€-142k-€14k€22k▲ 60.6%€32k▲ 43.2%€239▼ 99.3%
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 falls in 2024; 2024 is 84% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €269k
Fixed assets
€157k▲ 41.4%
Current assets
€112k▼ 29.1%
Equity and liabilities €269k
Equity
€184k▲ 0.1%
Debt
€85k=
The debt ratio stays at 31.7%.
Key figures and ratios
EBITDA
€12k▼
2023 · €42k
Cash flow
€6k▼
2023 · €37k
Solvency
68.3%=
2023 · 68.3%
Current ratio
1.31▼
2023 · 1.85
Quick ratio
1.24▼
2023 · 1.78
Debt / equity
0.46▼
2023 · 0.46
ROE
0.1%▼
2023 · 17.5%
ROA
0.1%▼
2023 · 11.9%
Interest coverage
2.15▼
2023 · 6.82
Debt
€85k=
2023 · €85k
Debt ≤ 1 year
€85k=
2023 · €85k
Income taxes
€375▲
2023 · €290
Staff costs
€254k▲
2023 · €213k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€269k€269k▲
Fixed assets21/28€111k€157k▲
Tangible fixed assets22/27€111k€157k▲
Plant, machinery and equipment23€16k€53k▲
Furniture and vehicles24€94k€103k▲
Financial fixed assets28€360€686▲
Current assets29/58€157k€112k▼
Stocks and contracts in progress3€5k€6k▲
Stocks30/36€5k€6k▲
Amounts receivable within one year40/41€21k€31k▲
Trade receivables40€13k€6k▼
Other amounts receivable41€8k€25k▲
Cash at bank and in hand54/58€131k€75k▼
Equity and liabilities
Total equity and liabilities10/49€269k€269k▲
Equity10/15€183k€184k▲
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€239k€239k=
Distributable reserves133€239k€239k=
Profit (loss) carried forward14€-74k€-74k▲
Amounts payable17/49€85k€85k=
Amounts payable within one year42/48€85k€85k=
Trade debts44€43k€32k▼
Suppliers440/4€43k€32k▼
Taxes, remuneration and social security45€43k€53k▲
Taxes450/3€15k€20k▲
Remuneration and social security454/9€27k€33k▲
Income statement
Code20232024
Non-recurring operating income76A€21k€0▼
Remuneration, social security and pensions62€213k€254k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€7k€5k▼
Non-recurring operating charges66A-€36k
Gross operating margin9900€261k€307k▲
Operating profit (loss)9901€37k€6k▼
Financial income75/76B€2k€372▼
Recurring financial income75€2k€372▼
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€32k€615▼
Income taxes67/77€290€375▲
Profit (loss) for the period9904€32k€239▼
Profit (loss) for the period to be appropriated9905€32k€239▼
Appropriation of the result
Profit (loss) to be appropriated9906€-74k€-74k▲
Profit (loss) brought forward from the previous period14P€-106k€-74k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
10-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 71 days late
2023
31-12
Financial
Highest result since 2018net €32k ▲43.2%
Operating result €37k, net result €32k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Equity above €150kEq €151k ▲17.4%
2 profitable years in a row build equity to €151k.
22-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 53 days late
2021
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
11-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-142k ▼1013%
Net result drops to €-142k, the lowest in the series; recovery starts the following year.
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 11 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
11-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 11 days late
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
01-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 2004
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.
Sint-Michielshelling 5/69000 GentGround area
75 m²
Building footprint
66 m²
Parcel 44803C0096/00E000, Flanders. Linked by address, not a title deed.
1 establishment unit
J.O.J.C.
since 20042.145.108.280
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44803C0096/00E000 | Flanders | 75 m² | 1 · 66 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.145.108.280
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ALAIN ETIENNE
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2 MIE MAAN
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Of 20,506 companies in sector 56111 we hold annual accounts for 11,453. 8,719 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-09-2004
Fiscal year end31-12
Activities, NACEBEL
55401
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
46349Wholesale of beverages, general range
51340
68110Buying and selling of own real estate
70120
92340
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:09.223.02.65