JISWO
ActiveJISWO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €247k and a net result of €6k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 677 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-15
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 22.35 against 28.03 in 2024; short-term debt: 4.3% and cash: 48.8% of total assets), and 4.3% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 58
Relative position
BE, all sectors
reference
Sector 58
lower
← 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 · 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
95.7%
Return on assets
2.2%
Age of the figures
9 mo
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 30-04-2026, 92 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
92 d early
2024
38 d early
2023
61 d early
2022
7 d early
2021
31 d early
2020
32 d early
2019
32 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€247k▼ 12.2%
2024 · €282k
2018: €58k
2019: €97k
2020: €138k
2021: €177k
2022: €231k
2023: €259k
2024: €282k
2018 → 2025
Total assets
€258k▼ 11.4%
2024 · €292k
2018: €70k
2019: €209k
2020: €239k
2021: €296k
2022: €289k
2023: €287k
2024: €292k
2018 → 2025
Net result
€6k▼ 86.1%
2024 · €42k
2018: €28k
2019: €69k
2020: €55k
2021: €58k
2022: €54k
2023: €42k
2024: €42k
2018 → 2025
Working capital
€237k▼ 12.8%
2024 · €272k
2018: €53k
2019: €52k
2020: €103k
2021: €181k
2022: €211k
2023: €247k
2024: €272k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€177k-€231k▲ 30.3%€259k▲ 12.5%€282k▲ 8.5%€247k▼ 12.2%
Operating result€78k-€76k▼ 3.1%€60k▼ 20.8%€56k▼ 6.2%€8k▼ 85.0%
Net result€58k-€54k▼ 8.1%€42k▼ 21.3%€42k▼ 1.6%€6k▼ 86.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 85% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €258k
Fixed assets
€10k▲ 2.7%
Current assets
€248k▼ 11.9%
Equity and liabilities €258k
Equity
€247k▼ 12.2%
Debt
€11k▲ 10.5%
The debt ratio rises from 3.4% to 4.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€11k▼
2024 · €60k
Cash flow
€9k▼
2024 · €45k
Solvency
95.7%▼
2024 · 96.6%
Current ratio
22.35▼
2024 · 28.03
Quick ratio
22.35▼
2024 · 28.03
Debt / equity
0.04▲
2024 · 0.04
ROE
2.3%▼
2024 · 14.8%
ROA
2.2%▼
2024 · 14.3%
Interest coverage
156.09▼
2024 · 389.32
Debt
€11k▲
2024 · €10k
Debt ≤ 1 year
€11k▲
2024 · €10k
Income taxes
€5k▼
2024 · €17k
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€292k€258k▼
Fixed assets21/28€10k€10k▲
Tangible fixed assets22/27€10k€10k▲
Furniture and vehicles24€10k€10k▲
Current assets29/58€282k€248k▼
Amounts receivable within one year40/41€15k€20k▲
Trade receivables40€15k€8k▼
Other amounts receivable41€0€12k▲
Current investments50/53€99k€99k=
Cash at bank and in hand54/58€159k€126k▼
Deferred charges and accrued income490/1€9k€3k▼
Equity and liabilities
Total equity and liabilities10/49€292k€258k▼
Equity10/15€282k€247k▼
Contributions10/11€6k€6k=
Reserves13€273k€239k▼
Tax-exempt reserves132€6k€6k=
Distributable reserves133€268k€233k▼
Profit (loss) carried forward14€2k€2k=
Amounts payable17/49€10k€11k▲
Amounts payable within one year42/48€10k€11k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43-€7k
Credit institutions430/8-€7k
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€6k€1k▼
Taxes450/3€6k€1k▼
Other amounts payable47/48€3k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€611€908▲
Gross operating margin9900€60k€12k▼
Operating profit (loss)9901€56k€8k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€153€73▼
Recurring financial charges65€153€73▼
Profit (loss) for the period before taxes9903€59k€11k▼
Income taxes67/77€17k€5k▼
Profit (loss) for the period9904€42k€6k▼
Profit (loss) for the period to be appropriated9905€42k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€8k▼
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer from equity791/2€19k€40k▲
Transfer to equity691/2€42k€6k▼
To other reserves6921€42k€6k▼
Profit to be distributed694/7€19k€40k▲
Return on contributions (dividend)694€19k€40k▲
The notes to these accounts (10 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €6k ▼86.1%
Net result drops to €6k, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 28.03
Current ratio from 10.03 to 28.03; short-term debt falls from €27k to €10k.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €231k ▲30.3%
5 profitable years in a row build equity to €231k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €177k ▲28.1%
4 profitable years in a row build equity to €177k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €138k ▲43%
3 profitable years in a row build equity to €138k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €69k ▲147%
Operating result €86k, net result €69k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
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
2 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, Sint-Niklaas · 2 establishment units since 2007
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.
Uilenstraat 329100 Sint-NiklaasGround area
744 m²
Building footprint
164 m²
Volume, LiDAR
1,011 m³
2 parcels, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
JISWO
since 20072.164.711.287
Boomezelstraat 10, 9100 Sint-Niklaas
since 20172.265.030.073
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46017B0170/00M000 | Flanders | 394 m² | 1 · 86 m² | 8.9 m · 2 fl. |
| 46017B0066/00B002 | Flanders | 350 m² | 1 · 78 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
WeJune
BE 0760.531.171
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AXITO
BE 0866.884.149
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KREATIK
BE 0746.564.557
Puurs-Sint-Amands · Eq €245k
WINAUDITOR.NET
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D.S.D. INFORMATIQUE
BE 0878.573.144
Dinant · Eq €243k
Of 1,279 companies in sector 58290 we hold annual accounts for 593. 438 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-08-2007
Fiscal year end31-12
Activities, NACEBEL
58290Other software publishing
72210
47400Retail sale of information and communication equipment
47410Retail trade
52487
62010Computer programming, consultancy and related activities
62100Computer programming
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:jiswo.com
E-mail:info@jiswo.com