JO AND CO
ActiveSummary
JO AND CO has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €400k and a net result of €131k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 57% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
88
/ 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
Profitability90▲+5
Solvency76▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 4.89 against 3.54 in 2024; short-term debt: 15.9% and cash: 52.4% of total assets), and 48.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
51.3%
Return on assets
16.8%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 26 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
26 d late
2024
13 d late
2023
1 d early
2022
on the day
2021
4 d late
2020
on the day
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€400k▲ 46.1%
2024 · €274k
2019: €199k
2020: €165k
2021: €119k
2022: €147k
2023: €187k
2024: €274k
2019 → 2025
Total assets
€780k▲ 20.0%
2024 · €650k
2019: €491k
2020: €376k
2021: €305k
2022: €503k
2023: €517k
2024: €650k
2019 → 2025
Net result
€131k▲ 50.5%
2024 · €87k
2019: €13k
2020: €-34k
2021: €-46k
2022: €37k
2023: €47k
2024: €87k
2019 → 2025
Working capital
€483k▲ 54.6%
2024 · €312k
2019: €137k
2020: €157k
2021: €165k
2022: €245k
2023: €189k
2024: €312k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€119k-€147k▲ 23.3%€187k▲ 27.4%€274k▲ 46.4%€400k▲ 46.1%
Operating result€-41k-€47k€63k▲ 34.5%€114k▲ 81.9%€177k▲ 55.3%
Net result€-46k-€37k€47k▲ 27.1%€87k▲ 85.9%€131k▲ 50.5%
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 has risen four years in a row; 2025 is 55% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €780k
Fixed assets
€173k ▼ 19.5%
Current assets
€607k ▲ 39.5%
Equity and liabilities €780k
Equity
€400k ▲ 46.1%
Provisions
€0 ▼ 100%
Debt
€380k ▲ 1.8%
Debt's share of the balance-sheet total falls from 57.4% to 48.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€234k▲
2024 · €174k
Cash flow
€188k▲
2024 · €147k
Current ratio
4.89▲
2024 · 3.54
Debt to equity
0.95▼
2024 · 1.36
ROE
32.6%▲
2024 · 31.7%
ROA
16.8%▲
2024 · 13.4%
Interest coverage
50.35▼
2024 · 111.11
Debt ≤ 1 year
€124k▲
2024 · €123k
Debt > 1 year
€240k=
2024 · €240k
Income taxes
€42k▲
2024 · €26k
Staff costs
€146k▼
2024 · €180k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€650k€780k▲
Fixed assets21/28€215k€173k▼
Tangible fixed assets22/27€214k€172k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€134k€101k▼
Other tangible fixed assets26€75k€67k▼
Financial fixed assets28€1k€1k=
Current assets29/58€435k€607k▲
Amounts receivable after more than one year29€35k€35k=
Other amounts receivable291€35k€35k=
Amounts receivable within one year40/41€119k€145k▲
Trade receivables40€106k€114k▲
Other amounts receivable41€13k€31k▲
Cash at bank and in hand54/58€262k€408k▲
Deferred charges and accrued income490/1€19k€19k▼
Equity and liabilities
Total equity and liabilities10/49€650k€780k▲
Equity10/15€274k€400k▲
Contributions10/11€147k€147k=
Reserves13€33k€33k=
Non-distributable reserves130/1€7k€7k=
Reserves not available under the articles1311€7k€7k=
Distributable reserves133€26k€26k=
Profit (loss) carried forward14€94k€220k▲
Provisions and deferred taxes16€3k€0▼
Provisions for liabilities and charges160/5€3k€0▼
Major repairs and maintenance162€3k€0▼
Amounts payable17/49€373k€380k▲
Amounts payable after more than one year17€240k€240k=
Financial debts170/4€240k€240k=
Amounts payable within one year42/48€123k€124k▲
Trade debts44€38k€60k▲
Suppliers440/4€38k€60k▲
Taxes, remuneration and social security45€55k€44k▼
Taxes450/3€23k€21k▼
Remuneration and social security454/9€32k€22k▼
Other amounts payable47/48€30k€20k▼
Accrued charges and deferred income492/3€10k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62€180k€146k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€57k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€-3k
Other operating charges640/8€2k€2k▼
Gross operating margin9900€357k€379k▲
Operating profit (loss)9901€114k€177k▲
Financial income75/76B€793€535▼
Recurring financial income75€793€535▼
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€113k€173k▲
Income taxes67/77€26k€42k▲
Profit (loss) for the period9904€87k€131k▲
Profit (loss) for the period to be appropriated9905€87k€131k▲
Appropriation of the result
Profit (loss) to be appropriated9906€94k€224k▲
Profit (loss) brought forward from the previous period14P€7k€94k▲
Profit to be distributed694/7€0€4k▲
Employees696€0€4k▲
The notes to these accounts (16 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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
30-06
Financial
Highest result since 2019net €131k ▲50.5%
Operating result €177k, net result €131k, both a record.
13-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
30-06
Financial
Equity above €200kEq €274k ▲46.4%
3 profitable years in a row build equity to €274k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €150kEq €187k ▲27.4%
2 profitable years in a row build equity to €187k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €37k
Net result €37k after 2 loss-making years.
04-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
30-06
Financial
Weakest financial yearnet €-46k
Net result drops to €-46k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
13-07
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
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, Antwerpen · 1 establishment unit since 1997
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.
Callensstraat 39A2600 AntwerpenGround area
86 m²
Building footprint
82 m²
Volume, LiDAR
1,026 m³
Parcel 11003A0140/00B006, Flanders · tallest building 14.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
JO AND CO
since 19972.082.096.486
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0140/00B006 | Flanders | 86 m² | 1 · 82 m² | 14.7 m · 5 fl. |
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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 458 EUR awarded · 458 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 458 EUR | 458 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,311 companies in sector 46423 we hold annual accounts for 812. 546 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-05-1997
Fiscal year end30-06
Activities, NACEBEL 2025
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46423Wholesale of clothing, excluding workwear and underwear
59113Video and film production, excluding cinema and television films
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.