JDOB
ActiveSummary
The computed 12-month bankruptcy probability of JDOB is 2.0% (moderate). The 2024 annual accounts show equity of €123,734 and a net result of €3,932. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 77% of 18935 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability71▲+2
Solvency87▲+9
Growth52=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.93 in 2023; short-term debt: 38.4% and cash: 21.9% of total assets), and 38.4% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
+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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-09-2025, 35 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
35 d late
2023
8 d late
2022
14 d late
2021
29 d late
2020
5 d early
2019
19 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 17 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2024, micro schema
Equity
€123,734▲ 3.3%
2023 · €119,802
Total assets
€200,757▼ 11.9%
2023 · €227,788
Net result
€3,932▲ 904%
2023 · €392
Working capital
€1,600
2023 · -€7,362
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€1,189▼ 95.1%€61,553▲ 5,078%€16,374▼ 73.4%€1,621▼ 90.1%€6,241▲ 285%
Net result€531within the sector's middle half▼ 96.7%€58,498above the sector's middle half▲ 10,919%€12,853within the sector's middle half▼ 78.0%€392within the sector's middle half▼ 97.0%€3,932within the sector's middle half▲ 904%
Equity€60,460above the sector's middle half▲ 0.9%€118,957above the sector's middle half▲ 96.8%€131,810above the sector's middle half▲ 10.8%€119,802above the sector's middle half▼ 9.1%€123,734above the sector's middle half▲ 3.3%
Total assets€206,276above the sector's middle half▼ 19.8%€242,032above the sector's middle half▲ 17.3%€245,007above the sector's middle half▲ 1.2%€227,788within the sector's middle half▼ 7.0%€200,757within the sector's middle half▼ 11.9%
Debt€145,816▼ 26.1%€123,075▼ 15.6%€113,197▼ 8.0%€107,986▼ 4.6%€77,023▼ 28.7%
Working capital-€79,481below the sector's middle half▲ 14.1%-€14,418within the sector's middle half▲ 81.9%-€383within the sector's middle half▲ 97.3%-€7,362within the sector's middle half▼ 1,820%€1,600within the sector's middle half
Solvency29.3%within the sector's middle half▲ 6.0pp49.1%within the sector's middle half▲ 19.8pp53.8%within the sector's middle half▲ 4.6pp52.6%within the sector's middle half▼ 1.2pp61.6%above the sector's middle half▲ 9.0pp
Current ratio0.45within the sector's middle half▼ 0.080.88within the sector's middle half▲ 0.431.00within the sector's middle half▲ 0.110.93within the sector's middle half▼ 0.061.02within the sector's middle half▲ 0.09
Return on assets (ROA)0.3%within the sector's middle half▼ 5.9pp24.2%above the sector's middle half▲ 23.9pp5.2%within the sector's middle half▼ 18.9pp0.2%within the sector's middle half▼ 5.1pp2.0%within the sector's middle half▲ 1.8pp
Staff (FTE)2.9within the sector's middle half▼ 25.6%2.7▼ 6.9%2.7=2.2▼ 18.5%2.6▲ 18.2%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 285% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €200,757
Fixed assets
€122,134 ▼ 4.0%
Current assets
€78,624 ▼ 21.9%
Equity and liabilities €200,757
Equity
€123,734 ▲ 3.3%
Debt
€77,023 ▼ 28.7%
Debt's share of the balance-sheet total falls from 47.4% to 38.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11,270▲
2023 · €6,651
Cash flow
€8,962▲
2023 · €5,422
Debt to equity
0.62▼
2023 · 0.90
ROE
3.2%▲
2023 · 0.3%
Interest coverage
9.11▲
2023 · 6.80
Debt ≤ 1 year
€77,023▼
2023 · €107,986
Income taxes
€1,232▲
2023 · €326
Staff costs
€59,295▼
2023 · €68,677
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.7%
went bankrupt
4.0%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 2.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,905 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €38,475 | €76,264 | €68,677 | €59,295 | ▼ 13.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,515 | €6,566 | €5,122 | €5,030 | €5,030 | = |
| Other operating charges640/8 | - | €2,403 | €2,421 | €9,655 | €2,811 | ▼ 70.9% |
| Gross operating margin9900 | €80,823 | €108,998 | €100,181 | €84,983 | €73,376 | ▼ 13.7% |
| Operating profit (loss)9901 | €1,189 | €61,553 | €16,374 | €1,621 | €6,241 | ▲ 285% |
| Financial income75/76B | - | - | - | €74 | €161 | ▲ 117% |
| Recurring financial income75 | €0 | - | - | €74 | €161 | ▲ 117% |
| Financial charges65/66B | - | €551 | €1,068 | €978 | €1,238 | ▲ 26.6% |
| Recurring financial charges65 | €658 | €551 | €1,068 | €978 | €1,238 | ▲ 26.6% |
| Profit (loss) for the period before taxes9903 | €531 | €61,002 | €15,306 | €718 | €5,164 | ▲ 619% |
| Income taxes67/77 | - | €2,504 | €2,454 | €326 | €1,232 | ▲ 278% |
| Profit (loss) for the period9904 | €531 | €58,498 | €12,853 | €392 | €3,932 | ▲ 904% |
| Profit (loss) for the period to be appropriated9905 | €531 | €58,498 | €12,853 | €392 | €3,932 | ▲ 904% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €206,276 | €242,032 | €245,007 | €227,788 | €200,757 | ▼ 11.9% |
| Formation expenses20 | €338 | - | - | - | - | - |
| Fixed assets21/28 | €139,603 | €133,375 | €132,193 | €127,163 | €122,134 | ▼ 4.0% |
| Intangible fixed assets21 | €333 | - | - | - | - | - |
| Tangible fixed assets22/27 | €138,700 | €132,805 | €131,479 | €126,449 | €121,420 | ▼ 4.0% |
| Land and buildings22 | - | €130,605 | €126,742 | €122,878 | €119,014 | ▼ 3.1% |
| Plant, machinery and equipment23 | - | €1,908 | €4,738 | €3,571 | €2,405 | ▼ 32.7% |
| Furniture and vehicles24 | - | €292 | - | - | - | - |
| Financial fixed assets28 | €570 | €570 | €714 | €714 | €714 | = |
| Current assets29/58 | €66,335 | €108,657 | €112,814 | €100,624 | €78,624 | ▼ 21.9% |
| Stocks and contracts in progress3 | €1,755 | €2,594 | €1,599 | €1,599 | - | - |
| Stocks30/36 | - | €2,594 | €1,599 | €1,599 | - | - |
| Amounts receivable within one year40/41 | €968 | €25,647 | €39,297 | €42,220 | €33,169 | ▼ 21.4% |
| Other amounts receivable41 | - | €25,647 | €39,297 | €42,220 | €33,169 | ▼ 21.4% |
| Cash at bank and in hand54/58 | €63,408 | €78,376 | €70,501 | €56,246 | €44,044 | ▼ 21.7% |
| Deferred charges and accrued income490/1 | - | €2,039 | €1,416 | €560 | €1,410 | ▲ 152% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €206,276 | €242,032 | €245,007 | €227,788 | €200,757 | ▼ 11.9% |
| Equity10/15 | €60,460 | €118,957 | €131,810 | €119,802 | €123,734 | ▲ 3.3% |
| Contributions10/11 | - | €18,600 | €18,600 | €6,200 | €6,200 | = |
| Reserves13 | €950 | €950 | €950 | €950 | €950 | = |
| Non-distributable reserves130/1 | - | €950 | €950 | €950 | €950 | = |
| Reserves not available under the articles1311 | - | €950 | €950 | €950 | €950 | = |
| Profit (loss) carried forward14 | €40,910 | €99,407 | €112,260 | €112,652 | €116,584 | ▲ 3.5% |
| Amounts payable17/49 | €145,816 | €123,075 | €113,197 | €107,986 | €77,023 | ▼ 28.7% |
| Amounts payable within one year42/48 | €145,816 | €123,075 | €113,197 | €107,986 | €77,023 | ▼ 28.7% |
| Trade debts44 | €61,638 | €64,121 | €87,305 | €77,176 | €56,136 | ▼ 27.3% |
| Suppliers440/4 | - | €64,121 | €87,305 | €77,176 | €56,136 | ▼ 27.3% |
| Taxes, remuneration and social security45 | - | €20,731 | €25,892 | €30,811 | €20,888 | ▼ 32.2% |
| Taxes450/3 | - | €7,936 | €9,026 | €16,654 | €9,901 | ▼ 40.5% |
| Remuneration and social security454/9 | - | €12,795 | €16,866 | €14,157 | €10,987 | ▼ 22.4% |
| Other amounts payable47/48 | - | €38,224 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €531 | €58,498 | €12,853 | €392 | €3,932 | ▲ 904% |
| + Depreciation and write-downs630 | €12,515 | €6,566 | €5,122 | €5,030 | €5,030 | = |
| Operating cash flow (approximation) | €13,046 | €65,063 | €17,974 | €5,422 | €8,962 | ▲ 65.3% |
| Investment in fixed assets (approximation) | - | -€338 | -€3,940 | €0 | €0 | - |
| Change in cash | - | €14,968 | -€7,875 | -€14,255 | -€12,202 | ▲ 14.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
04-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 35 days late
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial
Weakest financial yearnet €392 ▼97%
Net result drops to €392, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 14 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €58,498 ▲10,919%
Operating result €61,553, net result €58,498, both a record.
31-12
Financial
Equity above €100,000Eq €118,957 ▲96.8%
4 profitable years in a row build equity to €118,957.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-07
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.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Charleroi · 1 establishment unit since 2016
Ground area
213 m²
Building footprint
50 m²
Volume, LiDAR
471 m³
Parcel 52028B0135/00D002, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
La Louve
since 20162.251.479.371
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028B0135/00D002 | Wallonia | 213 m² | 1 · 50 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 siteCharleroi2.251.479.371
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Of 13,991 companies in sector 56301 we hold annual accounts for 4,896. 3,530 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-03-2016
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
96999Other personal services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0650649769
Also
9925:BE0650649769
Registered
05-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.