JOAS & CO
ActiveJOAS & CO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €563k and a net result of €74k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 7692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 7.35 against 6.96 in 2024; short-term debt: 12.9% and cash: 3.6% of total assets), and 16.6% 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 · 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
83.4%
Return on assets
10.9%
Age of the figures
9 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
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 24-07-2026, 7 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
7 d early
2024
9 d early
2023
30 d late
2022
31 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€563k▲ 15.1%
2024 · €489k
2022: €362k
2023: €415k
2024: €489k
2022 → 2025
Total assets
€674k▲ 12.8%
2024 · €598k
2022: €631k
2023: €646k
2024: €598k
2022 → 2025
Net result
€74k▼ 0.4%
2024 · €74k
2022: €153k
2023: €53k
2024: €74k
2022 → 2025
Working capital
€552k▲ 39.3%
2024 · €396k
2022: €195k
2023: €311k
2024: €396k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€362k-€415k▲ 14.7%€489k▲ 17.8%€563k▲ 15.1%
Operating result€221k-€79k▼ 64.1%€112k▲ 41.7%€101k▼ 9.5%
Net result€153k-€53k▼ 65.4%€74k▲ 39.3%€74k▼ 0.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €674k
Fixed assets
€35k▼ 73.9%
Current assets
€639k▲ 38.1%
Equity and liabilities €674k
Equity
€563k▲ 15.1%
Debt
€112k▲ 2.4%
The debt ratio falls from 18.2% to 16.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€120k▼
2024 · €159k
Cash flow
€92k▼
2024 · €121k
Solvency
83.4%▲
2024 · 81.8%
Current ratio
7.35▲
2024 · 6.96
Quick ratio
5.88▲
2024 · 4.71
Debt / equity
0.20▼
2024 · 0.22
ROE
13.1%▼
2024 · 15.1%
ROA
10.9%▼
2024 · 12.4%
Interest coverage
48.23▲
2024 · 45.13
Debt
€112k▲
2024 · €109k
Debt ≤ 1 year
€87k▲
2024 · €66k
Debt > 1 year
€25k▼
2024 · €43k
Income taxes
€35k▼
2024 · €35k
Staff costs
€367▲
2024 · €0
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€598k€674k▲
Fixed assets21/28€135k€35k▼
Tangible fixed assets22/27€134k€35k▼
Plant, machinery and equipment23€73k€19k▼
Furniture and vehicles24€61k€16k▼
Financial fixed assets28€720€720=
Current assets29/58€463k€639k▲
Amounts receivable after more than one year29€100k€240k▲
Other amounts receivable291€100k€240k▲
Stocks and contracts in progress3€150k€129k▼
Stocks30/36€150k€129k▼
Amounts receivable within one year40/41€65k€228k▲
Trade receivables40€52k€214k▲
Other amounts receivable41€13k€14k▲
Cash at bank and in hand54/58€134k€24k▼
Deferred charges and accrued income490/1€14k€18k▲
Equity and liabilities
Total equity and liabilities10/49€598k€674k▲
Equity10/15€489k€563k▲
Contributions10/11€10k€10k=
Reserves13€479k€553k▲
Distributable reserves133€479k€553k▲
Amounts payable17/49€109k€112k▲
Amounts payable after more than one year17€43k€25k▼
Financial debts170/4€43k€25k▼
Amounts payable within one year42/48€66k€87k▲
Current portion of amounts payable after more than one year42€21k€18k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€32k€61k▲
Suppliers440/4€32k€61k▲
Taxes, remuneration and social security45€11k€5k▼
Taxes450/3€11k€5k▼
Other amounts payable47/48€3k€3k▲
Income statement
Code20242025
Non-recurring operating income76A€0€93k▲
Remuneration, social security and pensions62€0€367▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€18k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€10k€22k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A-€16k
Gross operating margin9900€170k€160k▼
Operating profit (loss)9901€112k€101k▼
Financial income75/76B€807€9k▲
Recurring financial income75€807€9k▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€109k€108k▼
Income taxes67/77€35k€35k▼
Profit (loss) for the period9904€74k€74k▼
Profit (loss) for the period to be appropriated9905€74k€74k▼
Appropriation of the result
Profit (loss) to be appropriated9906€74k€74k▼
Transfer to equity691/2€74k€74k▼
To other reserves6921€74k€74k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (17 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €500kEq €563k ▲15.1%
4 profitable years in a row build equity to €563k.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 6.96
Current ratio from 2.85 to 6.96; short-term debt falls from €168k to €66k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €53k ▼65.4%
Net result drops to €53k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2016
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.
Olmenlaan(KIE) 179130 Beveren-Kruibeke-ZwijndrechtGround area
4,566 m²
Building footprint
268 m²
Volume, LiDAR
1,291 m³
2 parcels, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
joas & co
since 20162.257.803.969
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46012A0001/02P026 | Flanders | 4,218 m² | 1 · 195 m² | 9.4 m · 1 fl. |
| 46012C0012/00P002 | Flanders | 347 m² | 1 · 73 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 94 EUR awarded · 94 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 94 EUR | 94 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,292 companies in sector 43350 we hold annual accounts for 2,359. 1,252 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2014
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
43320Joinery installation
43410Roofing work
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.