Jo Daris
ActiveJo Daris has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €-6k. Equity is shrinking by ~8% per year across the filed fiscal years. Its solvency ranks better than 83% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-5
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 6.23 against 7.25 in 2024; short-term debt: 16.1% and cash: 4.4% of total assets), and 16.1% 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 82
Relative position
BE, all sectors
reference
Sector 82
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
83.9%
Return on assets
-9.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year €-6k
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 23-07-2026, 8 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
8 d early
2024
16 d early
2023
19 d early
2022
28 d late
2021
39 d early
2020
24 d late
2011
7 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 10.6%
2024 · €53k
2020: €59k
2021: €67k
2022: €63k
2023: €58k
2024: €53k
2020 → 2025
Total assets
€57k▼ 8.2%
2024 · €62k
2020: €69k
2021: €77k
2022: €72k
2023: €66k
2024: €62k
2020 → 2025
Net result
€-6k▼ 18.0%
2024 · €-5k
2020: €6k
2021: €8k
2022: €-4k
2023: €-5k
2024: €-5k
2020 → 2025
Working capital
€47k▼ 10.6%
2024 · €53k
2020: €58k
2021: €67k
2022: €63k
2023: €58k
2024: €53k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€63k▼ 5.9%€58k▼ 8.4%€53k▼ 8.2%€47k▼ 10.6%
Operating result€8k-€-6k€-8k▼ 49.5%€-8k▲ 5.3%€-8k▼ 0.6%
Net result€8k-€-4k€-5k▼ 34.2%€-5k▲ 10.3%€-6k▼ 18.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €8k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €57k
Equity
€47k▼ 10.6%
Debt
€9k▲ 6.8%
The debt ratio rises from 13.8% to 16.1%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
83.9%▼
2024 · 86.2%
Current ratio
6.23▼
2024 · 7.25
Quick ratio
6.23▼
2024 · 7.25
Debt / equity
0.19▲
2024 · 0.16
ROE
-11.8%▼
2024 · -9.0%
ROA
-9.9%▼
2024 · -7.7%
Debt
€9k▲
2024 · €8k
Debt ≤ 1 year
€9k▲
2024 · €8k
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€62k€57k▼
Current assets29/58€62k€57k▼
Amounts receivable after more than one year29€61k€54k▼
Other amounts receivable291€61k€54k▼
Amounts receivable within one year40/41€321€131▼
Other amounts receivable41€321€131▼
Cash at bank and in hand54/58€259€2k▲
Deferred charges and accrued income490/1€63€0▼
Equity and liabilities
Total equity and liabilities10/49€62k€57k▼
Equity10/15€53k€47k▼
Contributions10/11€1k€1k=
Reserves13€92k€92k=
Distributable reserves133€92k€92k=
Profit (loss) carried forward14€-40k€-45k▼
Amounts payable17/49€8k€9k▲
Amounts payable within one year42/48€8k€9k▲
Financial debts43€19€40▲
Credit institutions430/8€19€40▲
Trade debts44€8k€9k▲
Suppliers440/4€8k€9k▲
Income statement
Code20242025
Gross operating margin9900€-8k€-8k▼
Operating profit (loss)9901€-8k€-8k▼
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€378€444▲
Recurring financial charges65€378€444▲
Profit (loss) for the period before taxes9903€-5k€-6k▼
Profit (loss) for the period9904€-5k€-6k▼
Profit (loss) for the period to be appropriated9905€-5k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-40k€-45k▼
Profit (loss) brought forward from the previous period14P€-35k€-40k▼
The notes to these accounts (7 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €8k ▲33.3%
Operating result €8k, net result €8k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2012
07-08
NBB filing
Annual accounts filed
fiscal year 2011 · abbreviated schema · 7 days late
2011
05-08
NBB filing
Annual accounts filed
fiscal year 2010 · abbreviated schema · 5 days late
2010
10-08
NBB filing
Annual accounts filed
fiscal year 2009 · abbreviated schema · 10 days late
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, Leuven · 1 establishment unit since 2009
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.
Nerviërsstraat 643000 LeuvenGround area
193 m²
Building footprint
77 m²
Volume, LiDAR
525 m³
Parcel 24062A0985/00M000, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Nerviërsstraat 64, 3000 Leuven
since 20092.180.409.847
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24062A0985/00M000 | Flanders | 193 m² | 1 · 77 m² | 10.4 m · 3 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.
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Of 11,225 companies in sector 82100 we hold annual accounts for 3,511. 2,533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-08-2009
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.