Checked.be
Active
BE 0800.585.639Private limited company
Jo One
Rue Petit Piersoulx 1 ·6041 Charleroi, Belgium· 3 yrs active
Sector: Retail sale of clothing and accessories for women, men, children and babies (general range)
(47716)
Conclusion
The computed 12-month bankruptcy probability of Jo One is 3.4% (moderate). The 2024 annual accounts show equity of €54k and a net result of €22k. Its solvency ranks better than 53% of 26062 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Key figures
| Equity | €54k |
| Net result | €22k |
| Better than sector | 53% |
| Active | 3 yrs |
Financial profile
82
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
100
Solvency
76
Growth
52
Stability
94
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
86
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€5k
estimate, not credit advice
Score history
63
2023
86
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.89 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.33 (≥ 1.0)
+5
Leverage
Debt/equity 1.79 (< 2.0)
+3
Profitability
ROE 42% (≥ 10%)
+10
Interest coverage
Interest coverage 6.5× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro schema
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 35.9% | 32.3% | |
| Net result | €22k | €4k | |
| Equity | €54k | €39k | |
| Gross operating margin | €103k | €31k | |
| Staff costs | €61k | €38k |
€42k
-5.8%
23-24
€22k
-19.6%
23-24
€26k
-14.2%
23-24
€150k
0.0%
23-24
€54k
+71.5%
23-24
€66k
+255.8%
23-24
€61k
+55.1%
23-24
€9k
-22.8%
23-24
€96k
-18.9%
23-24
€75k
-37.1%
23-24
€22k
-
23-24
1.89
+63.1%
23-24
1.33
+73.4%
23-24
35.9%
+71.5%
23-24
1.79
-52.7%
23-24
41.7%
-53.1%
23-24
15.0%
-19.6%
23-24
6.48
-70.8%
23-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 |
|---|---|---|
| Deposit | micro schema | micro schema |
| Revenue | - | - |
| EBITDA | €42k | €44k |
| Net profit | €22k | €28k |
| Cash flow | €26k | €30k |
| Staff costs | €61k | €39k |
| Income taxes | €9k | €12k |
| Dividends | - | - |
| Total assets | €150k | €150k |
| Equity | €54k | €31k |
| Debt | €96k | €119k |
| of which ≤ 1y | €75k | €119k |
| of which > 1y | €22k | - |
| Working capital | €66k | €19k |
| Employees (FTE) | - | - |
Ratios (computed)
| 2024 | 2023 | |
|---|---|---|
| Current ratio | 1.89 | 1.16 |
| Quick ratio | 1.33 | 0.76 |
| Working capital ratio | 44.1% | 12.4% |
| Solvency | 35.9% | 20.9% |
| Debt / equity | 1.79 | 3.78 |
| Long-term debt ratio | 0.40 | - |
| Interest coverage | 6.48 | 22.16 |
| Gross margin | - | - |
| Net margin | - | - |
| ROA | 15.0% | 18.6% |
| ROE | 41.7% | 88.9% |
| EBITDA margin | - | - |
| Days sales outstanding | - | - |
| Days payable outstanding | - | - |
| Inventory turnover | - | - |
| Days inventory (DSI) | - | - |
Balance-sheet composition 2024
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 |
|---|---|---|---|
| Balance sheet, Assets | |||
| TOTAL ASSETS | 20/58 | €150k | €150k |
| Fixed assets | 21/28 | €9k | €12k |
| Formation expenses | 20 | €696 | €910 |
| Tangible fixed assets | 22/27 | €9k | €12k |
| Current assets | 29/58 | €141k | €137k |
| Stocks & contracts in progress | 3 | €42k | €47k |
| Amounts receivable within one year | 40/41 | €69k | €86k |
| Investments | 50/53 | €8k | €2k |
| Cash & bank | 54/58 | €14k | €2k |
| Balance sheet, Equity & liabilities | |||
| TOTAL EQUITY & LIABILITIES | 10/49 | €150k | €150k |
| Equity | 10/15 | €54k | €31k |
| Contributions / capital | 10/11 | €4k | €4k |
| Accumulated profits (losses) | 14 | €50k | €28k |
| Amounts payable | 17/49 | €96k | €119k |
| Amounts payable after one year | 17 | €22k | - |
| Amounts payable within one year | 42/48 | €75k | €119k |
| Trade debts payable within one year | 44 | €36k | €49k |
| Income statement | |||
| Gross operating margin | 9900 | €103k | €88k |
| Operating result | 9901 | €38k | €42k |
| Financial income | 75 | €6 | - |
| Financial charges | 65 | €6k | €2k |
| Result before taxes | 9903 | €32k | €40k |
| Income taxes | 67/77 | €9k | €12k |
| Net result for the period | 9904 | €22k | €28k |
| Result to be appropriated | 9905 | €22k | €28k |
Legal Structure
| NACE primary | Retail sale of clothing and accessories for women, men, children and babies (general range)(47716) |
| Legal form | Private limited company(610) |
| Incorporation | 07-04-2023 |
| Status | Active |
| Postal code | 6041 |
Establishment units
Street One
since 20232.344.419.130
Street One
since 20262.385.002.742
Real-estate footprint
Flanders
1
(33.3%)
Wallonia
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25083F0064/00B000 | Wallonia | 1.2 ha | 1 · 119 m² | 7.3 m · 2 fl. |
| 52028B0291/00G000 | Wallonia | 8,532 m² | 1 · 177 m² | 11.0 m · 3 fl. |
| 23001B0010/00L005 | Flanders | 5,854 m² | 1 · 2,093 m² | 15.4 m · 4 fl. |
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
NBB filing
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Retail sale of women's outerwear47711Retail sale of clothing and accessories for women, men, children and babies (general range)47716Other non-specialised retail sale47120Retail sale of footwear47721Retail trade47910
Names & trade names
| Legal nameFR | Jo One |
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