Jo4U Management is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €219k and a net result of €70k. Equity is growing by ~29.4% per year across the filed fiscal years. Its solvency ranks better than 93% of 2430 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 26-06-2026, 35 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
35 d early
2024
31 d early
2023
34 d early
2022
39 d early
2021
16 d early
2020
6 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€219k▲ 29.5%
2024 · €169k
2020: €30k
2021: €54k
2022: €111k
2023: €147k
2024: €169k
2020 → 2025
Net result
€70k▲ 11.3%
2024 · €63k
2020: €27k
2021: €24k
2022: €57k
2023: €65k
2024: €63k
2020 → 2025
Total assets
€234k▲ 5.7%
2024 · €221k
2020: €34k
2021: €64k
2022: €126k
2023: €192k
2024: €221k
2020 → 2025
Solvency
93.8%▲ 17.3pp
2024 · 76.5%
2020: 87.1%
2021: 84.4%
2022: 88.5%
2023: 76.4%
2024: 76.5%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€111k▲ 105%€147k▲ 31.9%€169k▲ 15.6%€219k▲ 29.5%
Operating result€-94k-€-93k▲ 1.5%€-103k▼ 10.6%€-107k▼ 3.9%€-115k▼ 7.9%
Net result€24k-€57k▲ 134%€65k▲ 15.0%€63k▼ 3.8%€70k▲ 11.3%
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 €115k in 2025 against €107k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €234k
Fixed assets
€4k▲ 40.5%
Current assets
€230k▲ 5.3%
Equity and liabilities €234k
Equity
€219k▲ 29.5%
Debt
€15k▼ 72.0%
The debt ratio falls from 23.5% to 6.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
93.8%▲
2024 · 76.5%
ROE
31.9%▼
2024 · 37.1%
ROA
29.9%▲
2024 · 28.4%
Debt
€15k▼
2024 · €52k
Debt ≤ 1 year
€15k▼
2024 · €52k
Income taxes
€18k▲
2024 · €16k
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€221k€234k▲
Fixed assets21/28€3k€4k▲
Tangible fixed assets22/27€3k€4k▲
Plant, machinery and equipment23-€3k
Furniture and vehicles24€3k€690▼
Current assets29/58€219k€230k▲
Amounts receivable after more than one year29€118k€101k▼
Other amounts receivable291€118k€101k▼
Amounts receivable within one year40/41€18k€19k▲
Other amounts receivable41€18k€19k▲
Current investments50/53€44k€30k▼
Cash at bank and in hand54/58€36k€67k▲
Deferred charges and accrued income490/1€3k€14k▲
Equity and liabilities
Total equity and liabilities10/49€221k€234k▲
Equity10/15€169k€219k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€167k€217k▲
Amounts payable17/49€52k€15k▼
Amounts payable within one year42/48€52k€15k▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3€9k€10k▲
Other amounts payable47/48€40k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€733€717▼
Gross operating margin9900€-104k€-112k▼
Operating profit (loss)9901€-107k€-115k▼
Financial income75/76B€185k€203k▲
Recurring financial income75€185k€203k▲
Financial charges65/66B€55€55=
Recurring financial charges65€55€55=
Profit (loss) for the period before taxes9903€79k€88k▲
Income taxes67/77€16k€18k▲
Profit (loss) for the period9904€63k€70k▲
Profit (loss) for the period to be appropriated9905€63k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€207k€237k▲
Profit (loss) brought forward from the previous period14P€144k€167k▲
Profit to be distributed694/7€40k€20k▼
Return on contributions (dividend)694€40k€20k▼
The notes to these accounts (5 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
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €70k ▲11.3%
Net result €70k, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 15.86
Current ratio from 4.21 to 15.86; short-term debt falls from €52k to €15k.
31-12
Financial
Equity above €200kEq €219k ▲29.5%
6 profitable years in a row build equity to €219k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €169k ▲15.6%
5 profitable years in a row build equity to €169k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €111k ▲105%
3 profitable years in a row build equity to €111k.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €24k ▼11.3%
Net result drops to €24k, the lowest in the series; recovery starts the following year.
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 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, Dilbeek · 1 establishment unit since 2019
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.
Geraardsbergsestraat 941703 DilbeekGround area
1,211 m²
Building footprint
125 m²
Volume, LiDAR
598 m³
Parcel 23070A0091/00R000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jo4U Management
since 20192.295.663.762
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23070A0091/00R000 | Flanders | 1,211 m² | 1 · 125 m² | 7.3 m · 2 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 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,810 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2019
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.