JO-SI
ActiveSummary
The computed 12-month bankruptcy probability of JO-SI is 3.0% (moderate). The 2024 annual accounts show negative equity (-€21,501) and a net result of -€2,409. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 9% of 18930 sector peers (fiscal year 2024). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability1▲+1
Solvency0=
Growth52=
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.36 against 1.61 in 2023; short-term debt: 73.6% and cash: 0.6% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
-129.1%
Return on assets
-14.5%
Age of the figures
21 mo
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 · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€21,501
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-08-2025, 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
8 d late
2023
30 d late
2022
354 d late
2021
30 d late
2020
61 d late
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 96 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
-€21,501▼ 12.6%
2023 · -€19,092
Total assets
€16,652▼ 27.7%
2023 · €23,030
Net result
-€2,409▲ 53.5%
2023 · -€5,178
Working capital
€4,399▼ 49.7%
2023 · €8,747
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€9,639▼ 22.0%€3,973▼ 58.8%€3,202▼ 19.4%-€6,144-€3,044▲ 50.5%
Net result€9,549within the sector's middle half▼ 18.0%€4,650within the sector's middle half▼ 51.3%€4,600within the sector's middle half▼ 1.1%-€5,178within the sector's middle half-€2,409within the sector's middle half▲ 53.5%
Equity-€23,164below the sector's middle half▲ 29.2%-€18,514below the sector's middle half▲ 20.1%-€13,914below the sector's middle half▲ 24.8%-€19,092below the sector's middle half▼ 37.2%-€21,501below the sector's middle half▼ 12.6%
Total assets€16,250below the sector's middle half▲ 18.5%€18,187below the sector's middle half▲ 11.9%€28,504below the sector's middle half▲ 56.7%€23,030below the sector's middle half▼ 19.2%€16,652below the sector's middle half▼ 27.7%
Debt€39,414▼ 15.1%€36,701▼ 6.9%€42,419▲ 15.6%€42,121▼ 0.7%€38,153▼ 9.4%
Working capital€5,312€9,087▲ 71.0%€14,034▲ 54.4%€8,747▼ 37.7%€4,399▼ 49.7%
Solvency-142.5%below the sector's middle half▲ 95.9pp-101.8%below the sector's middle half▲ 40.8pp-48.8%below the sector's middle half▲ 53.0pp-82.9%below the sector's middle half▼ 34.1pp-129.1%below the sector's middle half▼ 46.2pp
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
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 €3,044 in 2024 against €6,144 in 2023; the loss shrinks.
Key figures and ratios
Current ratio
1.36▼
2023 · 1.61
Debt to equity
-1.77▲
2023 · -2.21
ROA
-14.5%▲
2023 · -22.5%
Debt ≤ 1 year
€12,253▼
2023 · €14,282
Debt > 1 year
€23,825▼
2023 · €26,325
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,640 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
9.9%
stopped otherwise
84%
still going
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 3.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,640 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €1,145 | €2,501 | €516 | €1,028 | ▲ 99.1% |
| Gross operating margin9900 | €10,701 | €5,118 | €5,703 | -€5,628 | -€2,016 | ▲ 64.2% |
| Operating profit (loss)9901 | €9,639 | €3,973 | €3,202 | -€6,144 | -€3,044 | ▲ 50.5% |
| Financial income75/76B | - | €713 | €1,398 | €987 | €704 | ▼ 28.7% |
| Recurring financial income75 | - | €713 | €1,398 | €987 | €704 | ▼ 28.7% |
| Financial charges65/66B | - | €33 | €0 | €21 | €69 | ▲ 234% |
| Recurring financial charges65 | €90 | €33 | €0 | €21 | €69 | ▲ 234% |
| Profit (loss) for the period before taxes9903 | €9,549 | €4,653 | €4,600 | -€5,178 | -€2,409 | ▲ 53.5% |
| Income taxes67/77 | - | €3 | - | - | - | - |
| Profit (loss) for the period9904 | €9,549 | €4,650 | €4,600 | -€5,178 | -€2,409 | ▲ 53.5% |
| Profit (loss) for the period to be appropriated9905 | €9,549 | €4,650 | €4,600 | -€5,178 | -€2,409 | ▲ 53.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €16,250 | €18,187 | €28,504 | €23,030 | €16,652 | ▼ 27.7% |
| Current assets29/58 | €16,250 | €18,187 | €28,504 | €23,030 | €16,652 | ▼ 27.7% |
| Amounts receivable after more than one year29 | - | €14,583 | €22,175 | €14,194 | - | - |
| Other amounts receivable291 | - | €14,583 | €22,175 | €14,194 | - | - |
| Amounts receivable within one year40/41 | €14,786 | €1,309 | €2,671 | €4,342 | €11,370 | ▲ 162% |
| Trade receivables40 | - | €1,309 | €2,671 | €4,325 | €2,293 | ▼ 47.0% |
| Other amounts receivable41 | - | - | - | €17 | €9,077 | ▲ 52,981% |
| Cash at bank and in hand54/58 | €68 | €198 | €117 | €11 | €101 | ▲ 801% |
| Deferred charges and accrued income490/1 | - | €2,097 | €3,542 | €4,482 | €5,181 | ▲ 15.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €16,250 | €18,187 | €28,504 | €23,030 | €16,652 | ▼ 27.7% |
| Equity10/15 | -€23,164 | -€18,514 | -€13,914 | -€19,092 | -€21,501 | ▼ 12.6% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Profit (loss) carried forward14 | -€41,756 | -€37,106 | -€32,506 | -€37,684 | -€40,093 | ▼ 6.4% |
| Amounts payable17/49 | €39,414 | €36,701 | €42,419 | €42,121 | €38,153 | ▼ 9.4% |
| Amounts payable after more than one year17 | €28,075 | €26,825 | €26,825 | €26,325 | €23,825 | ▼ 9.5% |
| Other amounts payable178/9 | - | €26,825 | €26,825 | €26,325 | €23,825 | ▼ 9.5% |
| Amounts payable within one year42/48 | €10,938 | €9,100 | €14,471 | €14,282 | €12,253 | ▼ 14.2% |
| Trade debts44 | €9,220 | €9,100 | €10,312 | €11,064 | €9,035 | ▼ 18.3% |
| Suppliers440/4 | - | €9,100 | €10,312 | €11,064 | €9,035 | ▼ 18.3% |
| Taxes, remuneration and social security45 | - | - | €4,159 | €3,218 | €3,218 | = |
| Taxes450/3 | - | - | €4,159 | €3,218 | €3,218 | = |
| Accrued charges and deferred income492/3 | - | €776 | €1,123 | €1,515 | €2,075 | ▲ 37.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,549 | €4,650 | €4,600 | -€5,178 | -€2,409 | ▲ 53.5% |
| Operating cash flow (approximation) | €9,549 | €4,650 | €4,600 | -€5,178 | -€2,409 | ▲ 53.5% |
| Change in cash | - | €131 | -€81 | -€106 | €90 | ▲ 185% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 354 days late
2023
31-12
Financial
Weakest financial yearnet -€5,178
Net result drops to -€5,178, the lowest in the series; recovery starts the following year.
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Highest result since 2018net €11,640 ▲234%
Operating result €12,361, net result €11,640, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Seneffe · 1 establishment unit since 2000
Ground area
1,270 m²
Building footprint
228 m²
Volume, LiDAR
1,842 m³
2 parcels, Flanders, Wallonia · tallest building 12.8 m, ±4 floors. Linked by address, not a title deed.
14
companies at this address
See who is registered here
1 establishment unit
Moeder Tiburcestraat 23, 9400 Ninove
since 20002.099.889.454
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52003C0131/00M000 | Wallonia | 746 m² | 1 · 51 m² | - |
| 41362B0208/00B002 | Flanders | 523 m² | 1 · 178 m² | 12.8 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 20,505 companies in sector 56111 we hold annual accounts for 11,454. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded04-08-2000
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0472534015
Also
9925:BE0472534015
Registered
17-02-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.