Jo Technic
ActiveThe computed 12-month bankruptcy probability of Jo Technic is 2.1% (moderate). The 2025 annual accounts show equity of €183k and a net result of €73k. Its solvency ranks better than 82% of 27358 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52
Stability94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 4.14 against 3.41 in 2024), and 22.8% of the assets are financed with debt.
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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
77.2%
Return on assets
30.7%
Age of the figures
8 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
9 d early
2024
8 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€183k▲ 66.1%
2024 · €110k
2024: €110k
2024 → 2025
Total assets
€238k▲ 59.3%
2024 · €149k
2024: €149k
2024 → 2025
Net result
€73k▼ 32.4%
2024 · €108k
2024: €108k
2024 → 2025
Working capital
€169k▲ 82.0%
2024 · €93k
2024: €93k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€110k-€183k▲ 66.1%
Operating result€137k-€90k▼ 34.1%
Net result€108k-€73k▼ 32.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €238k
Fixed assets
€14k▼ 18.8%
Current assets
€223k▲ 69.6%
Equity and liabilities €238k
Equity
€183k▲ 66.1%
Debt
€54k▲ 40.1%
The debt ratio falls from 25.9% to 22.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€94k▼
2024 · €140k
Cash flow
€77k▼
2024 · €111k
Solvency
77.2%▲
2024 · 74.1%
Current ratio
4.14▲
2024 · 3.41
Quick ratio
4.14▲
2024 · 3.41
Debt / equity
0.30▼
2024 · 0.35
ROE
39.8%▼
2024 · 97.7%
ROA
30.7%▼
2024 · 72.4%
Interest coverage
625.30▼
2024 · 1582.83
Debt
€54k▲
2024 · €39k
Debt ≤ 1 year
€54k▲
2024 · €39k
Income taxes
€18k▼
2024 · €29k
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€149k€238k▲
Fixed assets21/28€17k€14k▼
Intangible fixed assets21€303€270▼
Tangible fixed assets22/27€17k€14k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€10k€8k▼
Current assets29/58€132k€223k▲
Amounts receivable after more than one year29€20k€20k=
Other amounts receivable291€20k€20k=
Amounts receivable within one year40/41€62k€131k▲
Trade receivables40€48k€102k▲
Other amounts receivable41€14k€29k▲
Cash at bank and in hand54/58€49k€72k▲
Deferred charges and accrued income490/1€531€55▼
Equity and liabilities
Total equity and liabilities10/49€149k€238k▲
Equity10/15€110k€183k▲
Contributions10/11€3k€3k=
Reserves13€108k€181k▲
Distributable reserves133€108k€181k▲
Amounts payable17/49€39k€54k▲
Amounts payable within one year42/48€39k€54k▲
Trade debts44€9k€7k▼
Suppliers440/4€9k€7k▼
Taxes, remuneration and social security45€29k€48k▲
Taxes450/3€29k€48k▲
Accrued charges and deferred income492/3-€95
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€1k€495▼
Gross operating margin9900€141k€95k▼
Operating profit (loss)9901€137k€90k▼
Financial income75/76B€518€1k▲
Recurring financial income75€518€1k▲
Financial charges65/66B€88€151▲
Recurring financial charges65€88€151▲
Profit (loss) for the period before taxes9903€137k€91k▼
Income taxes67/77€29k€18k▼
Profit (loss) for the period9904€108k€73k▼
Profit (loss) for the period to be appropriated9905€108k€73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€108k€73k▼
Transfer to equity691/2€108k€73k▼
To other reserves6921€108k€73k▼
The notes to these accounts (12 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €183k ▲66.1%
2 profitable years in a row build equity to €183k.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Harelbeke · 1 establishment unit since 2023
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.
Muizelstraat 138531 HarelbekeGround area
302 m²
Building footprint
120 m²
Volume, LiDAR
654 m³
Parcel 34017B0809/00L009, Flanders · tallest building 10.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Jo Technic
since 20232.343.104.779
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34017B0809/00L009 | Flanders | 302 m² | 1 · 119 m² | 10.4 m · 1 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.
Similar companies · same sector, comparable size
WIJNANTS ENERGIE
BE 0479.333.319
Nijlen · Eq €183k
ELECTRO CORTEVILLE
BE 0472.789.579
Menen · Eq €183k
RV-TEC
BE 0791.488.326
Wevelgem · Eq €184k
DE SLOOVERE
BE 0807.022.083
Anzegem · Eq €184k
VIDITIS
BE 0807.992.677
Sint-Agatha-Berchem · Eq €183k
Of 22,728 companies in sector 43211 we hold annual accounts for 10,270. 8,350 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2023
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
71121Engineering and related technical consultancy, excluding land surveyors
71209Other technical testing and analysis
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:Jo.Technic@hotmail.com