JO-LI

Active

Private limited companyfounded 20242 yrs activeRue Chaussée 51, 4342 Awans, BelgiumKBO/BCE: BE 1009.960.832

The computed 12-month bankruptcy probability of JO-LI is 4.4% (elevated). The 2025 annual accounts show equity of €18k and a net result of €15k. Its solvency ranks better than 46% of 13090 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

59 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability95

Solvency51

Growth-

Track record67

Bankruptcy probability, 12 months

4.4% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days only on tighter terms

Liquidity short (current ratio 0.66; short-term debt: 74.4% and cash: 41.1% of total assets), and 74.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

25.6%

Return on assets

21.3%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-08-2026, 8 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 · 1 filing

Deviation from the deadline

2025

8 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€18k

Total assets

€69k

Net result

€15k

Working capital

€-17k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €69k

50.8%

49.2%

Fixed assets €35k

Current assets €34k

Equity and liabilities €69k

25.6%

74.4%

Equity €18k

Debt €51k

Debt finances 74.4% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€40k

Cash flow

€32k

Solvency

25.6%

Current ratio

0.66

Quick ratio

0.59

Debt / equity

2.90

ROE

83.0%

ROA

21.3%

Interest coverage

7.91

Debt

€51k

Debt ≤ 1 year

€51k

Income taxes

€3k

Staff costs

€88k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€69k

Fixed assets21/28€35k

Intangible fixed assets21€22k

Tangible fixed assets22/27€13k

Furniture and vehicles24€13k

Current assets29/58€34k

Stocks and contracts in progress3€3k

Stocks30/36€3k

Amounts receivable within one year40/41€185

Trade receivables40€0

Other amounts receivable41€185

Cash at bank and in hand54/58€28k

Deferred charges and accrued income490/1€2k

Equity and liabilities

Total equity and liabilities10/49€69k

Equity10/15€18k

Contributions10/11€3k

Profit (loss) carried forward14€15k

Amounts payable17/49€51k

Amounts payable within one year42/48€51k

Current portion of amounts payable after more than one year42€0

Trade debts44€8k

Suppliers440/4€8k

Taxes, remuneration and social security45€15k

Taxes450/3€12k

Remuneration and social security454/9€3k

Other amounts payable47/48€28k

Income statement Code2025

Goods, raw materials, services and sundry goods60/61€568k

Remuneration, social security and pensions62€88k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k

Other operating charges640/8€654

Gross operating margin9900€128k

Operating profit (loss)9901€23k

Financial income75/76B€579

Recurring financial income75€579

Financial charges65/66B€5k

Recurring financial charges65€5k

Profit (loss) for the period before taxes9903€18k

Income taxes67/77€3k

Profit (loss) for the period9904€15k

Profit (loss) for the period to be appropriated9905€15k

Appropriation of the result

Profit (loss) to be appropriated9906€15k

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

08-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 8 days late

NBB filing

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, Awans · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Rue Chaussée 514342 Awans

Ground area

1,368 m²

Building footprint

410 m²

Volume, LiDAR

3,173 m³

Parcel 62053A0397/00E000, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

LA MIA PASSIONE

Rue Chaussée 51, 4342 AwansLimited-service restaurants

since 20242.360.044.840

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62053A0397/00E000	Wallonia	1,368 m²	1 · 410 m²	10.6 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Awans2.360.044.840

1 permission

Toelating · Eetgelegenheid · since 18-02-2025

Similar companies · same sector, comparable size

Destelbergen · Eq €18k

Of 20,506 companies in sector 56111 we hold annual accounts for 11,453. 8,537 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-06-2024

Fiscal year end31-12

Activities, NACEBEL

56101Full-service restaurants

56102Limited-service restaurants

56111Full-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.