JOBA
ActiveJOBA has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.20M and a net result of €323k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 85% of 2262 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 14.14 against 9.75 in 2024; short-term debt: 2.1% and cash: 28.8% of total assets), and 14.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
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
85.8%
Return on assets
12.6%
Age of the figures
12 mo
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 23-03-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
30 d early
2023
4 d early
2022
31 d early
2021
23 d early
2020
17 d early
2019
43 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
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.20M▲ 0.3%
2024 · €2.20M
2018: €739k
2019: €1.06M
2020: €1.40M
2021: €1.73M
2022: €2.04M
2023: €2.10M
2024: €2.20M
2018 → 2025
Total assets
€2.57M▼ 2.2%
2024 · €2.63M
2018: €2.45M
2019: €2.38M
2020: €2.43M
2021: €2.32M
2022: €2.55M
2023: €2.77M
2024: €2.63M
2018 → 2025
Net result
€323k▲ 0.2%
2024 · €323k
2018: €231k
2019: €317k
2020: €349k
2021: €327k
2022: €307k
2023: €332k
2024: €323k
2018 → 2025
Working capital
€702k▲ 1.3%
2024 · €693k
2018: €-35k
2019: €54k
2020: €204k
2021: €258k
2022: €572k
2023: €596k
2024: €693k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.73M-€2.04M▲ 17.7%€2.10M▲ 3.2%€2.20M▲ 4.4%€2.20M▲ 0.3%
Operating result€231k-€208k▼ 9.9%€217k▲ 4.5%€205k▼ 5.5%€200k▼ 2.6%
Net result€327k-€307k▼ 6.1%€332k▲ 8.1%€323k▼ 2.8%€323k▲ 0.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 3% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.57M
Fixed assets
€1.81M▼ 2.3%
Current assets
€756k▼ 2.1%
Equity and liabilities €2.57M
Equity
€2.20M▲ 0.3%
Debt
€366k▼ 15.0%
The debt ratio falls from 16.4% to 14.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€242k▼
2024 · €249k
Cash flow
€365k▼
2024 · €366k
Solvency
85.8%▲
2024 · 83.6%
Current ratio
14.14▲
2024 · 9.75
Quick ratio
14.14▲
2024 · 9.75
Debt / equity
0.17▼
2024 · 0.20
ROE
14.7%▼
2024 · 14.7%
ROA
12.6%▲
2024 · 12.3%
Interest coverage
30.01▲
2024 · 28.80
Debt
€366k▼
2024 · €431k
Debt ≤ 1 year
€53k▼
2024 · €79k
Debt > 1 year
€295k▼
2024 · €325k
Income taxes
€86k▲
2024 · €86k
Staff costs
€78k▲
2024 · €52k
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€2.63M€2.57M▼
Fixed assets21/28€1.86M€1.81M▼
Tangible fixed assets22/27€459k€417k▼
Land and buildings22€393k€368k▼
Plant, machinery and equipment23-€0
Furniture and vehicles24€65k€49k▼
Financial fixed assets28€1.40M€1.40M=
Current assets29/58€772k€756k▼
Amounts receivable within one year40/41€101k€8k▼
Trade receivables40-€29
Other amounts receivable41€101k€8k▼
Current investments50/53€350k-
Cash at bank and in hand54/58€314k€740k▲
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€2.63M€2.57M▼
Equity10/15€2.20M€2.20M▲
Contributions10/11€9k€9k=
Reserves13€2.18M€2.19M▲
Distributable reserves133€2.18M€2.19M▲
Profit (loss) carried forward14€2k€2k▲
Amounts payable17/49€431k€366k▼
Amounts payable after more than one year17€325k€295k▼
Financial debts170/4€325k€295k▼
Amounts payable within one year42/48€79k€53k▼
Current portion of amounts payable after more than one year42€30k€30k=
Financial debts43€10k€10k▲
Credit institutions430/8€10k€10k▲
Trade debts44€498€140▼
Suppliers440/4€498€140▼
Taxes, remuneration and social security45€31k€12k▼
Taxes450/3€22k€12k▼
Remuneration and social security454/9€9k-
Other amounts payable47/48€9k€1k▼
Accrued charges and deferred income492/3€26k€18k▼
Income statement
Code20242025
Remuneration, social security and pensions62€52k€78k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€42k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€305k€325k▲
Operating profit (loss)9901€205k€200k▼
Financial income75/76B€212k€217k▲
Recurring financial income75€212k€217k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€408k€409k▲
Income taxes67/77€86k€86k▲
Profit (loss) for the period9904€323k€323k▲
Profit (loss) for the period to be appropriated9905€323k€323k▲
Appropriation of the result
Profit (loss) to be appropriated9906€325k€326k▲
Profit (loss) brought forward from the previous period14P€2k€2k▲
Transfer from equity791/2€231k€317k▲
Transfer to equity691/2€323k€323k▲
To other reserves6921€323k€323k▲
Profit to be distributed694/7€231k€317k▲
Return on contributions (dividend)694€231k€317k▲
Social balance
Average headcount (FTE)90870.90.8▼
The notes to these accounts (8 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Liquidity triplescurrent ratio 9.75
Current ratio from 3.19 to 9.75; short-term debt falls from €272k to €79k.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Liquidity doublescurrent ratio 5.60
Current ratio from 2.45 to 5.60; short-term debt falls from €178k to €124k.
30-09
Financial
Equity above €2MEq €2.04M ▲17.7%
5 profitable years in a row build equity to €2.04M.
07-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
13-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Highest result since 2018net €349k ▲10%
Operating result €252k, net result €349k, both a record.
18-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Equity above €1MEq €1.06M ▲42.9%
2 profitable years in a row build equity to €1.06M.
24-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 3 days late
2017
29-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lommel · 1 establishment unit since 1997
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.
Binnensingel 723920 LommelGround area
3,314 m²
Building footprint
1,286 m²
Volume, LiDAR
4,092 m³
Parcel 72020C0787/00R008, Flanders · tallest building 15.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Joba
since 19972.193.112.293
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C0787/00R008 | Flanders | 3,314 m² | 1 · 1,286 m² | 15.2 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.
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Of 11,216 companies in sector 82100 we hold annual accounts for 3,513. 1,007 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-1997
Fiscal year end30-09
Activities, NACEBEL
74851
82100Office administrative and support services
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 27 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.
Contact details
1 entryE-mail:info@imfabo.be