JOAN MELOTTE
ActiveThe computed 12-month bankruptcy probability of JOAN MELOTTE is 2.0% (moderate). The 2025 annual accounts show negative equity (€-55k) and a net result of €-15k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 27559 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
20
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency0=
Growth39▼-17
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.1 against 0.22 in 2024; short-term debt: 335.8% and cash: 0.2% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-237.2%
Return on assets
-65.3%
Age of the figures
12 mo
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 · 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 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
18202122232425
2018 to 2025 · latest year €-55k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-02-2026, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
48 d early
2023
85 d early
2022
2 d early
2021
2 d early
2020
105 d early
2018
49 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€69k▼ 48.5%
2021 · €134k
2018: €56k
2020: €84k
2021: €134k
2018 → 2022
EBIT margin
-40.5%▼ 19.0pp
2021 · -21.4%
2018: 13.7%
2020: 24.0%
2021: -21.4%
2018 → 2022
Net result
€-15k
2024 · €13k
2018: €6k
2020: €13k
2021: €-29k
2022: €-50k
2023: €4k
2024: €13k
2018 → 2025
Working capital
€-69k▼ 6.3%
2024 · €-65k
2018: €-19k
2020: €-48k
2021: €-88k
2022: €-116k
2023: €-89k
2024: €-65k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€134k-€69k▼ 48.5%
Equity€-7k-€-57k▼ 692%€-53k▲ 7.0%€-40k▲ 25.0%€-55k▼ 38.0%
Operating result€-29k-€-28k▲ 2.7%€8k€14k▲ 79.2%€-14k
Net result€-29k-€-50k▼ 68.5%€4k€13k▲ 234%€-15k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €14k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11k
Fixed assets
€3k▼ 15.5%
Current assets
€8k▼ 56.3%
Key figures and ratios
EBITDA
€-3k▼
2024 · €26k
Cash flow
€-4k▼
2024 · €25k
Solvency
-237.2%▼
2024 · -90.0%
Current ratio
0.10▼
2024 · 0.22
Quick ratio
0.10▼
2024 · 0.22
Debt / equity
-1.42▲
2024 · -2.11
ROA
-65.3%▼
2024 · 30.0%
Interest coverage
-7.68▼
2024 · 247.17
Debt
€78k▼
2024 · €84k
Debt ≤ 1 year
€77k▼
2024 · €84k
Income taxes
€865▼
2024 · €971
Staff costs
€78
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€44k€23k▼
Formation expenses20€22k€12k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Land and buildings22€3k€3k▼
Plant, machinery and equipment23€59-
Furniture and vehicles24€1k€570▼
Current assets29/58€18k€8k▼
Amounts receivable within one year40/41€18k€8k▼
Trade receivables40€18k€8k▼
Cash at bank and in hand54/58€233€57▼
Equity and liabilities
Total equity and liabilities10/49€44k€23k▼
Equity10/15€-40k€-55k▼
Contributions10/11€20k€20k=
Capital10€20k€20k=
Issued capital100€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€-62k€-77k▼
Amounts payable17/49€84k€78k▼
Amounts payable within one year42/48€84k€77k▼
Financial debts43-€99
Credit institutions430/8-€99
Trade debts44€10k€14k▲
Suppliers440/4€10k€14k▲
Taxes, remuneration and social security45€1k€1k▼
Taxes450/3€1k€1k▼
Other amounts payable47/48€72k€62k▼
Accrued charges and deferred income492/3-€325
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€65k€65k▼
Remuneration, social security and pensions62-€78
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€7k€1k▼
Gross operating margin9900€33k€-2k▼
Operating profit (loss)9901€14k€-14k▼
Financial income75/76B-€9
Recurring financial income75-€9
Financial charges65/66B€105€413▲
Recurring financial charges65€105€413▲
Profit (loss) for the period before taxes9903€14k€-14k▼
Income taxes67/77€971€865▼
Profit (loss) for the period9904€13k€-15k▼
Profit (loss) for the period to be appropriated9905€13k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-62k€-77k▼
Profit (loss) brought forward from the previous period14P€-75k€-62k▲
The notes to these accounts (6 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
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
13-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €13k ▲234%
Net result €13k, the highest in the series.
05-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-50k
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
15-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
15-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 76 days late
2016
24-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 55 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Waimes · 1 establishment unit since 2012
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.
Rue du Wèrhê,Thirimont 374950 WaimesGround area
2,345 m²
Building footprint
198 m²
Volume, LiDAR
1,082 m³
Parcel 63080R0068/00C000, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOAN MELOTTE
since 20122.206.553.129
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63080R0068/00C000 | Wallonia | 2,345 m² | 1 · 198 m² | 8.8 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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CRE.HO
BE 0769.920.177
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BELPLA
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Of 15,536 companies in sector 43990 we hold annual accounts for 7,421. 5,338 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded02-02-2012
Fiscal year end30-09
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
16230Manufacture of other builders' carpentry and joinery
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.