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JOBE

Active
Private limited company (pre-2019)founded 198738 yrs activeTen Edestraat 121, 9810 Nazareth-De Pinte, BelgiumKBO/BCE: BE 0432.475.092
Summary

JOBE has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €311,108 and a net result of -€2,777. Equity is growing by ~10.7% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability35▲+4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23,000 at 30 days acceptable
Liquidity ample (current ratio 38.54 against 39.19 in 2024; short-term debt: 2.6% and cash: 96% of total assets), and 2.6% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 38 years 0 40 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
97.4%
Return on assets
-0.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
23 d late
2024
178 d late
2023
51 d late
2022
31 d late
2021
310 d late
2020
1 d early
2019
101 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 99 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
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. Usually files around 21 September (4 of the last 5 filed years within 126 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 12 October 1987, JOBE was incorporated.1 Total assets went from EUR 247,857 in 2018 to EUR 319,394 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€311,108▼ 0.9%
2024 · €313,884
Total assets
€319,394▼ 0.8%
2024 · €322,104
Net result
-€2,777▲ 65.9%
2024 · -€8,135
Working capital
€311,108▼ 0.9%
2024 · €313,884
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€12,953▲ 62.3%€247,268-€7,845-€8,642▼ 10.2%-€3,387▲ 60.8%
Net result-€22,369▲ 35.9%€174,909-€8,144-€8,135▲ 0.1%-€2,777▲ 65.9%
Equity€155,255▼ 12.6%€330,164▲ 113%€322,020▼ 2.5%€313,884▼ 2.5%€311,108▼ 0.9%
Total assets€263,690▼ 19.0%€418,648▲ 58.8%€325,213▼ 22.3%€322,104▼ 1.0%€319,394▼ 0.8%
Debt€108,435▼ 26.8%€88,485▼ 18.4%€3,194▼ 96.4%€8,220▲ 157%€8,287▲ 0.8%
Working capital€123,479▼ 14.8%€330,164▲ 167%€322,020▼ 2.5%€313,884▼ 2.5%€311,108▼ 0.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€100,000€0€100,000€200,000Operating result 2021: -€12,953-€12,953Net result 2021: -€22,369-€22,369Operating result 2022: €247,268€247,268Net result 2022: €174,909€174,909Operating result 2023: -€7,845-€7,845Net result 2023: -€8,144-€8,144Operating result 2024: -€8,642-€8,642Net result 2024: -€8,135-€8,135Operating result 2025: -€3,387-€3,387Net result 2025: -€2,777-€2,77720212022202320242025-€10,000-€7,500-€5,000-€2,500€0Operating result 2023: -€7,845-€7,850Net result 2023: -€8,144-€8,140Operating result 2024: -€8,642-€8,640Net result 2024: -€8,135-€8,140Operating result 2025: -€3,387-€3,390Net result 2025: -€2,777-€2,780202320242025
The operating result stays negative: a loss of €3,387 in 2025 against €8,642 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €319,394
Equity €311,108 ▼ 0.9%
Debt €8,287 ▲ 0.8%
Debt's share of the balance-sheet total stays at 2.6%.
Key figures and ratios
2025 value · change against 2024
Current ratio
38.54▼
2024 · 39.19
Debt to equity
0.03▲
2024 · 0.03
ROE
-0.9%▲
2024 · -2.6%
ROA
-0.9%▲
2024 · -2.5%
Debt ≤ 1 year
€8,287▲
2024 · €8,220
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.6% went bankrupt
8.5% stopped otherwise
90% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 29 lines
Balance sheet Code20242025
Assets
Total assets20/58€322,104€319,394▼
Current assets29/58€322,104€319,394▼
Amounts receivable within one year40/41€12,252€12,935▲
Other amounts receivable41€12,252€12,935▲
Cash at bank and in hand54/58€309,852€306,460▼
Equity and liabilities
Total equity and liabilities10/49€322,104€319,394▼
Equity10/15€313,884€311,108▼
Contributions10/11€37,184€37,184=
Reserves13€292,980€292,980=
Non-distributable reserves130/1€5,742€5,742=
Reserves not available under the articles1311€5,742€5,742=
Distributable reserves133€287,238€287,238=
Profit (loss) carried forward14-€16,280-€19,056▼
Amounts payable17/49€8,220€8,287▲
Amounts payable within one year42/48€8,220€8,287▲
Trade debts44€8,220€8,287▲
Suppliers440/4€8,220€8,287▲
Income statement Code20242025
Other operating charges640/8€356€1,148▲
Gross operating margin9900-€8,286-€2,239▲
Operating profit (loss)9901-€8,642-€3,387▲
Financial income75/76B€720€682▼
Recurring financial income75€720€682▼
Financial charges65/66B€214€72▼
Recurring financial charges65€214€72▼
Profit (loss) for the period before taxes9903-€8,135-€2,777▲
Profit (loss) for the period9904-€8,135-€2,777▲
Profit (loss) for the period to be appropriated9905-€8,135-€2,777▲
Appropriation of the result
Profit (loss) to be appropriated9906-€16,280-€19,056▼
Profit (loss) brought forward from the previous period14P-€8,144-€16,280▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€936-----
Other operating charges640/8€3,905€536€1,387€356€1,148▲ 222%
Gross operating margin9900-€8,112€247,804-€6,458-€8,286-€2,239▲ 73.0%
Operating profit (loss)9901-€12,953€247,268-€7,845-€8,642-€3,387▲ 60.8%
Financial income75/76B-€375€592€720€682▼ 5.3%
Recurring financial income75-€375€592€720€682▼ 5.3%
Financial charges65/66B€409€312€248€214€72▼ 66.1%
Recurring financial charges65€409€312€248€214€72▼ 66.1%
Profit (loss) for the period before taxes9903-€13,362€247,332-€7,501-€8,135-€2,777▲ 65.9%
Income taxes67/77€9,007€72,422€643---
Profit (loss) for the period9904-€22,369€174,909-€8,144-€8,135-€2,777▲ 65.9%
Transfer from tax-exempt reserves789€56,250-----
Profit (loss) for the period to be appropriated9905€33,881€174,909-€8,144-€8,135-€2,777▲ 65.9%
Line20212022202320242025Change
Assets
Total assets20/58€263,690€418,648€325,213€322,104€319,394▼ 0.8%
Fixed assets21/28€31,776-----
Tangible fixed assets22/27€31,776-----
Land and buildings22€31,504-----
Plant, machinery and equipment23€272-----
Current assets29/58€231,914€418,648€325,213€322,104€319,394▼ 0.8%
Amounts receivable within one year40/41€3,021€13,796€14,433€12,252€12,935▲ 5.6%
Other amounts receivable41€3,021€13,796€14,433€12,252€12,935▲ 5.6%
Cash at bank and in hand54/58€227,013€403,212€310,780€309,852€306,460▼ 1.1%
Deferred charges and accrued income490/1€1,880€1,640----
Equity and liabilities
Total equity and liabilities10/49€263,690€418,648€325,213€322,104€319,394▼ 0.8%
Equity10/15€155,255€330,164€322,020€313,884€311,108▼ 0.9%
Contributions10/11€37,184€37,184€37,184€37,184€37,184=
Reserves13€119,083€292,980€292,980€292,980€292,980=
Non-distributable reserves130/1€5,742€5,742€5,742€5,742€5,742=
Reserves not available under the articles1311€5,742€5,742€5,742€5,742€5,742=
Distributable reserves133€113,341€287,238€287,238€287,238€287,238=
Profit (loss) carried forward14-€1,012--€8,144-€16,280-€19,056▼ 17.1%
Amounts payable17/49€108,435€88,485€3,194€8,220€8,287▲ 0.8%
Amounts payable within one year42/48€108,435€88,485€3,194€8,220€8,287▲ 0.8%
Trade debts44€1,104€64€277€8,220€8,287▲ 0.8%
Suppliers440/4€1,104€64€277€8,220€8,287▲ 0.8%
Taxes, remuneration and social security45€15,998€88,421€2,916---
Taxes450/3€15,998€88,421€2,916---
Other amounts payable47/48€91,333-----
Line20212022202320242025Change
Profit (loss) for the period9904-€22,369€174,909-€8,144-€8,135-€2,777▲ 65.9%
+ Depreciation and write-downs630€936-----
Operating cash flow (approximation)-€21,433€174,909-€8,144-€8,135-€2,777▲ 65.9%
Change in cash-€176,199-€92,432-€928-€3,392▼ 265%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
23-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
25-01
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 178 days late
2024
20-09
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 51 days late
2023
31-12
Financial Liquidity times 22current ratio 101.83
Current ratio from 4.73 to 101.83; short-term debt falls from €88,485 to €3,194.
31-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
06-06
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 310 days late
2022
31-12
Financial Back to profitnet €174,909
Net result €174,909 after 2 loss-making years.
31-12
Financial Liquidity doublescurrent ratio 4.73
Current ratio from 2.14 to 4.73; short-term debt falls from €108,435 to €88,485.
31-12
Financial Equity above €200,000Eq €330,164 ▲113%
Equity rises from €155,255 to €330,164.
2021
30-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial Weakest financial yearnet -€34,893
Net result drops to -€34,893, the lowest in the series; recovery starts the following year.
09-11
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
Show earlier events
2019
31-12
Financial Back to profitnet €103,297
Net result €103,297 after one loss-making year.
31-12
Financial Liquidity quadruplescurrent ratio 2.16
Current ratio from 0.56 to 2.16.
31-12
Financial Equity above €200,000Eq €212,517 ▲94.6%
Equity rises from €109,219 to €212,517.
30-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Nazareth-De Pinte · 1 establishment unit since 1988
seat establishment The establishment unit on the map
Ground area
1,063 m²
Building footprint
209 m²
Volume, LiDAR
1,010 m³
Parcel 44018A0657/00A000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOBE BVBA
Ten Edestraat 121, 9810 Nazareth-De PinteNACE 4511203
since 19882.037.972.275
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44018A0657/00A000 Flanders 1,063 m² 1 · 209 m² 8.3 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded12-10-1987
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

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If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.