Jo + Liz
ActiveJo + Liz has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-51k) and a net result of €-15k. Equity is shrinking by ~82.2% per year across the filed fiscal years. Its solvency ranks better than 9% of 3450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
24
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▲+1
Solvency0=
Growth32=
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.56 against 0.61 in 2024; short-term debt: 144.6% and cash: 11.9% of total assets), and equity is negative.
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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
-47.7%
Return on assets
-14.5%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-51k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
1 d early
2022
262 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-51k▼ 43.7%
2024 · €-35k
2022: €17k
2023: €24k
2024: €-35k
2022 → 2025
Total assets
€106k▼ 7.7%
2024 · €115k
2022: €128k
2023: €184k
2024: €115k
2022 → 2025
Net result
€-15k▲ 74.1%
2024 · €-59k
2022: €15k
2023: €7k
2024: €-59k
2022 → 2025
Working capital
€-67k▼ 14.4%
2024 · €-59k
2022: €-16k
2023: €-4k
2024: €-59k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€17k-€24k▲ 40.5%€-35k€-51k▼ 43.7%
Operating result€18k-€12k▼ 34.1%€-56k€-13k▲ 77.2%
Net result€15k-€7k▼ 54.2%€-59k€-15k▲ 74.1%
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 €13k in 2025 against €56k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€20k▼ 15.4%
Current assets
€86k▼ 5.8%
Key figures and ratios
EBITDA
€-9k▲
2024 · €-51k
Cash flow
€-12k▲
2024 · €-54k
Solvency
-47.7%▼
2024 · -30.6%
Current ratio
0.56▼
2024 · 0.61
Quick ratio
0.11▼
2024 · 0.22
Debt / equity
-3.10▲
2024 · -4.26
ROA
-14.5%▲
2024 · -51.6%
Interest coverage
-2.61▲
2024 · -11.39
Debt
€156k▲
2024 · €150k
Debt ≤ 1 year
€153k▲
2024 · €150k
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€115k€106k▼
Formation expenses20€0-
Fixed assets21/28€23k€20k▼
Intangible fixed assets21€133€0▼
Tangible fixed assets22/27€23k€20k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€22k€19k▼
Current assets29/58€91k€86k▼
Stocks and contracts in progress3€59k€70k▲
Stocks30/36€59k€70k▲
Amounts receivable within one year40/41€3k€3k▲
Trade receivables40€817€0▼
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€29k€13k▼
Deferred charges and accrued income490/1€1k€384▼
Equity and liabilities
Total equity and liabilities10/49€115k€106k▼
Equity10/15€-35k€-51k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-37k€-53k▼
Amounts payable17/49€150k€156k▲
Amounts payable within one year42/48€150k€153k▲
Financial debts43€469€863▲
Other loans439€469€863▲
Trade debts44€31k€35k▲
Suppliers440/4€31k€35k▲
Advances received on contracts in progress46€191€0▼
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€111k€111k▲
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€235€546▲
Gross operating margin9900€-51k€-9k▲
Operating profit (loss)9901€-56k€-13k▲
Financial income75/76B€1k€874▼
Recurring financial income75€1k€874▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€-59k€-15k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-59k€-15k▲
Profit (loss) for the period to be appropriated9905€-59k€-15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-37k€-53k▼
Profit (loss) brought forward from the previous period14P€22k€-37k▼
The notes to these accounts (13 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-59k ▼954%
Net result drops to €-59k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
18-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 262 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Gent · 1 establishment unit since 2021
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.
Edward Pynaertkaai 979000 GentGround area
1,967 m²
Building footprint
377 m²
Volume, LiDAR
4,909 m³
Parcel 44804D3181/00N005, Flanders · tallest building 16.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Jo + Liz bv
since 20212.317.644.655
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D3181/00N005 | Flanders | 1,967 m² | 1 · 377 m² | 16.4 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.
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Of 6,296 companies in sector 74120 we hold annual accounts for 1,009. 871 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2021
Fiscal year end31-12
Activities, NACEBEL
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
74104Other professional, scientific and technical activities
74109Other professional, scientific and technical activities
74130Interior design
74140Other specialised design activities
74201Photography, excluding press photography
82990Other business support services
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.