Age3 yrs
Real estate1 parcel · 1,640 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of JO POS is 1.7% (moderate). The 2024 annual accounts show equity of €36k and a net result of €62k. Its solvency ranks better than 74% of 1745 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Signals
1 signal · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideFiled after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 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.
How we compute the deadline
This company changed its financial year: its two most recent filings do not close on the same date. Each filed year keeps its own exact deadline, but we project no following year on 31-12, because adding twelve months right after a change is unreliable. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 26-08-2025 | 26 d late | 2025-00452829 |
| 30-09-2023 | 30-04-2024 | 08-05-2024 | 8 d late | 2024-00086333 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2022, 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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.7%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€62k+322.0%
Working capital€32k+579.9%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 26-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 96, Personal services · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 44.0% | 14.6% | |
| Net result | €62k | €1k | |
| Equity | €36k | €5k | |
| Gross operating margin | €72k | €16k | |
| Total assets | €83k | €46k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€72k
-
23-24
€62k
+322.0%
23-24
€63k
-
23-24
€83k
+286.6%
23-24
€36k
+671.1%
23-24
€32k
+579.9%
23-24
€9k
+1733.5%
23-24
€46k
+177.8%
23-24
€46k
+177.8%
23-24
1.69
+31.9%
23-24
1.69
+31.9%
23-24
44.0%
+99.4%
23-24
1.27
-64.0%
23-24
169.4%
-45.3%
23-24
74.5%
+9.1%
23-24
44.73
-
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €72k |
| Net profit | €62k |
| Cash flow | €63k |
| Staff costs | - |
| Income taxes | €9k |
| Dividends | - |
| Total assets | €83k |
| Equity | €36k |
| Debt | €46k |
| of which ≤ 1y | €46k |
| of which > 1y | - |
| Working capital | €32k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.69 |
| Quick ratio | 1.69 |
| Working capital ratio | 38.8% |
| Solvency | 44.0% |
| Debt / equity | 1.27 |
| Long-term debt ratio | - |
| Interest coverage | 44.73 |
| Gross margin | - |
| Net margin | - |
| ROA | 74.5% |
| ROE | 169.4% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €83k |
| Fixed assets | 21/28 | €4k |
| Tangible fixed assets | 22/27 | €4k |
| Current assets | 29/58 | €78k |
| Amounts receivable within one year | 40/41 | €72k |
| Investments | 50/53 | €4k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €83k |
| Equity | 10/15 | €36k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €33k |
| Amounts payable | 17/49 | €46k |
| Amounts payable within one year | 42/48 | €46k |
| Trade debts payable within one year | 44 | €880 |
| Income statement | ||
| Gross operating margin | 9900 | €72k |
| Operating result | 9901 | €71k |
| Financial income | 75 | €1k |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €70k |
| Income taxes | 67/77 | €9k |
| Net result for the period | 9904 | €62k |
| Result to be appropriated | 9905 | €62k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2024 · computed94
/ 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.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
1 directorFormer directors (1)
-
Sophie BOVIDirectorState Gazette act 24358355 (12-02-2024)Former- → 10-01-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van kuuroorden, sauna’s en stoombaden(96230) |
| Legal form | Private limited company(610) |
| Incorporation | 30-11-2022 |
| Status | Active |
| Postal code | 7110 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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 de Trivières(S-B) 957110 La LouvièreEstablishment units
1 locationJO POS
since 20222.338.482.334
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,640 m²
Buildings1
Building footprint56 m²
Volume (LiDAR)482 m³
Tallest building10.3 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55042B0397/00C004 | Wallonia | 1,640 m² | 1 · 56 m² | 10.3 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts Address history · 1
17-10-2024
Registered-office move
All acts · 2
updated 1 year ago
2024
17-10-2024 Registered office moved to Strepy Bracquegnies
- Rue de Trivières 95, 7110 Strepy Bracquegnies
12-02-2024 Publication in the Belgian Official Gazette, Minor change
Summary:
otherNotary:
Jean-Benoît JONCKHEERE · Couillet/Charleroi
Analysis
Snowflake analysis
financial profile on 5 axes90
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
94
Profitability
100
Solvency
82
Growth
78
Stability
94
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Credit advice
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We hold annual accounts for 138 of the 6,737 companies in this sector. 111 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Sauna's, solaria, baden enz.96040Activiteiten van kuuroorden, sauna’s en stoombaden96230Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Diensten in verband met de verzorging van huisdieren, m.u.v. veterinaire diensten96093Pensions voor huisdieren96095Diensten in verband met de verzorging van huisdieren, muv veterinaire diensten96993Pensions voor huisdieren96995
Primary activity highlighted.
Names & trade names
| Legal nameFR | JO POS |
Registered office
Rue de Trivières(S-B) 95
7110 La Louvière, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.