JOCA
ActiveSummary
JOCA has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €298,605 and a net result of €55,556. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 65% of 3762 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability79▼-21
Solvency69▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21,000 at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.26 in 2024; short-term debt: 55.7% and cash: 33% of total assets), and 55.7% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
44.3%
Return on assets
8.2%
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 31-08-2026, 31 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 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
22 d late
2022
6 d early
2021
5 d early
2020
31 d late
2019
88 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 27 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€298,605▲ 22.9%
2024 · €243,049
Total assets
€674,077▲ 6.3%
2024 · €634,023
Net result
€55,556▼ 67.3%
2024 · €170,091
Working capital
€185,440▲ 82.8%
2024 · €101,469
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€197,756€267,304▲ 35.2%€277,882▲ 4.0%€235,157▼ 15.4%€98,889▼ 57.9%
Net result€137,150above the sector's middle half€188,246above the sector's middle half▲ 37.3%€195,364above the sector's middle half▲ 3.8%€170,091above the sector's middle half▼ 12.9%€55,556within the sector's middle half▼ 67.3%
Equity€273,451within the sector's middle half▲ 101%€318,698above the sector's middle half▲ 16.5%€72,958within the sector's middle half▼ 77.1%€243,049within the sector's middle half▲ 233%€298,605above the sector's middle half▲ 22.9%
Total assets€550,750within the sector's middle half▲ 102%€689,368within the sector's middle half▲ 25.2%€528,799within the sector's middle half▼ 23.3%€634,023within the sector's middle half▲ 19.9%€674,077within the sector's middle half▲ 6.3%
Debt€277,299▲ 103%€370,670▲ 33.7%€455,841▲ 23.0%€390,974▼ 14.2%€375,472▼ 4.0%
Working capital€128,467above the sector's middle half€153,035above the sector's middle half▲ 19.1%-€75,767below the sector's middle half€101,469within the sector's middle half€185,440above the sector's middle half▲ 82.8%
Solvency49.7%within the sector's middle half▼ 0.4pp46.2%within the sector's middle half▼ 3.4pp13.8%within the sector's middle half▼ 32.4pp38.3%within the sector's middle half▲ 24.5pp44.3%within the sector's middle half▲ 6.0pp
Current ratio1.49within the sector's middle half▲ 0.771.43within the sector's middle half▼ 0.060.83within the sector's middle half▼ 0.601.26within the sector's middle half▲ 0.431.49within the sector's middle half▲ 0.23
Return on assets (ROA)24.9%above the sector's middle half▲ 34.3pp27.3%above the sector's middle half▲ 2.4pp36.9%above the sector's middle half▲ 9.6pp26.8%above the sector's middle half▼ 10.1pp8.2%within the sector's middle half▼ 18.6pp
Staff (FTE)14.9above the sector's middle half▼ 8.0%18.9above the sector's middle half▲ 26.8%19.4above the sector's middle half▲ 2.6%20.6above the sector's middle half▲ 6.2%19.6above the sector's middle half▼ 4.9%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
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 has fallen two years in a row; 2025 is 58% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €674,077
Fixed assets
€113,165 ▼ 20.1%
Current assets
€560,912 ▲ 13.9%
Equity and liabilities €674,077
Equity
€298,605 ▲ 22.9%
Debt
€375,472 ▼ 4.0%
Debt's share of the balance-sheet total falls from 61.7% to 55.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€136,819▼
2024 · €275,785
Cash flow
€93,487▼
2024 · €210,718
Quick ratio
1.20▲
2024 · 0.98
Debt to equity
1.26▼
2024 · 1.61
ROE
18.6%▼
2024 · 70.0%
Interest coverage
7.22▼
2024 · 30.96
Debt ≤ 1 year
€375,472▼
2024 · €390,974
Income taxes
€25,488▼
2024 · €56,679
Staff costs
€743,819▲
2024 · €733,763
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,129 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 0.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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%.
| 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 20,129 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €374,724 | €602,283 | €704,936 | €733,763 | €743,819 | ▲ 1.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €41,706 | €51,555 | €54,267 | €40,628 | €37,931 | ▼ 6.6% |
| Other operating charges640/8 | €1,277 | €3,286 | €10,611 | €5,196 | €3,594 | ▼ 30.8% |
| Gross operating margin9900 | €615,463 | €924,428 | €1.0m | €1.0m | €884,232 | ▼ 12.9% |
| Operating profit (loss)9901 | €197,756 | €267,304 | €277,882 | €235,157 | €98,889 | ▼ 57.9% |
| Financial income75/76B | €1,883 | €1,001 | €1,002 | €522 | €1,113 | ▲ 113% |
| Recurring financial income75 | €1,883 | €1,001 | €1,002 | €522 | €1,113 | ▲ 113% |
| Financial charges65/66B | €52,590 | €19,415 | €15,155 | €8,909 | €18,957 | ▲ 113% |
| Recurring financial charges65 | €13,672 | €19,415 | €15,155 | €8,909 | €18,957 | ▲ 113% |
| Non-recurring financial charges66B | €38,918 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €147,049 | €248,891 | €263,729 | €226,770 | €81,044 | ▼ 64.3% |
| Income taxes67/77 | €9,899 | €60,644 | €68,366 | €56,679 | €25,488 | ▼ 55.0% |
| Profit (loss) for the period9904 | €137,150 | €188,246 | €195,364 | €170,091 | €55,556 | ▼ 67.3% |
| Transfer from tax-exempt reserves789 | - | - | €13,427 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €137,150 | €188,246 | €208,791 | €170,091 | €55,556 | ▼ 67.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €550,750 | €689,368 | €528,799 | €634,023 | €674,077 | ▲ 6.3% |
| Fixed assets21/28 | €160,243 | €183,534 | €153,926 | €141,580 | €113,165 | ▼ 20.1% |
| Intangible fixed assets21 | €3,300 | - | - | - | - | - |
| Tangible fixed assets22/27 | €142,623 | €169,214 | €139,605 | €127,260 | €98,845 | ▼ 22.3% |
| Land and buildings22 | €36,882 | €34,984 | €37,854 | €34,971 | €32,367 | ▼ 7.4% |
| Plant, machinery and equipment23 | €67,153 | €61,887 | €50,191 | €50,592 | €42,203 | ▼ 16.6% |
| Furniture and vehicles24 | €28,840 | €67,120 | €50,863 | €40,999 | €23,577 | ▼ 42.5% |
| Leasing and similar rights25 | €9,748 | €5,223 | €698 | €698 | €698 | = |
| Financial fixed assets28 | €14,320 | €14,320 | €14,320 | €14,320 | €14,320 | = |
| Current assets29/58 | €390,507 | €505,834 | €374,873 | €492,443 | €560,912 | ▲ 13.9% |
| Stocks and contracts in progress3 | €37,954 | €18,698 | €10,756 | €110,756 | €109,365 | ▼ 1.3% |
| Stocks30/36 | €37,954 | €18,698 | €10,756 | €110,756 | €109,365 | ▼ 1.3% |
| Amounts receivable within one year40/41 | €4,069 | €119,428 | €53,386 | €146,738 | €228,952 | ▲ 56.0% |
| Trade receivables40 | €2,437 | €40,278 | €50,345 | €25,712 | €4,828 | ▼ 81.2% |
| Other amounts receivable41 | €1,632 | €79,150 | €3,041 | €121,027 | €224,124 | ▲ 85.2% |
| Cash at bank and in hand54/58 | €344,175 | €364,828 | €310,275 | €232,665 | €222,199 | ▼ 4.5% |
| Deferred charges and accrued income490/1 | €4,309 | €2,880 | €457 | €2,284 | €397 | ▼ 82.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €550,750 | €689,368 | €528,799 | €634,023 | €674,077 | ▲ 6.3% |
| Equity10/15 | €273,451 | €318,698 | €72,958 | €243,049 | €298,605 | ▲ 22.9% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €254,859 | €300,106 | €1,859 | €1,859 | €56,859 | ▲ 2,958% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Tax-exempt reserves132 | €13,427 | €13,427 | - | - | - | - |
| Distributable reserves133 | €239,573 | €284,819 | - | - | €55,000 | - |
| Profit (loss) carried forward14 | - | - | €52,506 | €222,597 | €223,154 | ▲ 0.2% |
| Amounts payable17/49 | €277,299 | €370,670 | €455,841 | €390,974 | €375,472 | ▼ 4.0% |
| Amounts payable after more than one year17 | €15,259 | €17,871 | €5,201 | - | - | - |
| Financial debts170/4 | €15,259 | €17,871 | €5,201 | - | - | - |
| Amounts payable within one year42/48 | €262,039 | €352,799 | €450,640 | €390,974 | €375,472 | ▼ 4.0% |
| Current portion of amounts payable after more than one year42 | €13,474 | €12,475 | €12,670 | €57,968 | €22,643 | ▼ 60.9% |
| Financial debts43 | €6,397 | €6,397 | €6,385 | €6,387 | €6,389 | = |
| Credit institutions430/8 | €6,397 | €6,397 | €6,385 | €6,387 | €6,389 | = |
| Trade debts44 | €64,650 | €37,652 | €97,219 | €101,780 | €119,593 | ▲ 17.5% |
| Suppliers440/4 | €64,650 | €37,652 | €97,219 | €101,780 | €119,593 | ▲ 17.5% |
| Taxes, remuneration and social security45 | €175,372 | €294,244 | €332,335 | €222,808 | €225,936 | ▲ 1.4% |
| Taxes450/3 | €37,807 | €93,804 | €53,368 | €41,556 | €37,144 | ▼ 10.6% |
| Remuneration and social security454/9 | €137,565 | €200,440 | €278,966 | €181,252 | €188,792 | ▲ 4.2% |
| Other amounts payable47/48 | €2,147 | €2,031 | €2,031 | €2,031 | €912 | ▼ 55.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €137,150 | €188,246 | €195,364 | €170,091 | €55,556 | ▼ 67.3% |
| + Depreciation and write-downs630 | €41,706 | €51,555 | €54,267 | €40,628 | €37,931 | ▼ 6.6% |
| Operating cash flow (approximation) | €178,856 | €239,801 | €249,630 | €210,718 | €93,487 | ▼ 55.6% |
| Investment in fixed assets (approximation) | - | -€74,845 | -€24,658 | -€28,282 | -€9,516 | ▲ 66.4% |
| Change in cash | - | €20,653 | -€54,553 | -€77,609 | -€10,466 | ▲ 86.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
31-12
Financial
Equity above €200,000Eq €243,049 ▲233%
4 profitable years in a row build equity to €243,049.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 22 days late
2023
31-12
Financial
Highest result since 2018net €195,364 ▲3.8%
Operating result €277,882, net result €195,364, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €137,150
Net result €137,150 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.49
Current ratio from 0.72 to 1.49.
31-12
Financial
Equity above €200,000Eq €273,451 ▲101%
Equity rises from €136,302 to €273,451.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet -€25,721
Net result drops to -€25,721, the lowest in the series; recovery starts the following year.
Show earlier events
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Equity above €150,000Eq €162,023 ▲17.1%
2 profitable years in a row build equity to €162,023.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 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, Antwerpen · 1 establishment unit since 1976
Ground area
172 m²
Building footprint
62 m²
Volume, LiDAR
921 m³
Parcel 11002A1155/00G000, Flanders · tallest building 15.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
DE PEERDESTAL
since 19762.037.970.592
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11002A1155/00G000 | Flanders | 172 m² | 1 · 62 m² | 15.7 m · 5 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 5,500 EUR awarded · 5,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,000 EUR | 3,000 EUR |
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
| 2023 | 1 | 1,000 EUR | 1,000 EUR |
| 2022 | 1 | 500 EUR | 500 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.037.970.592
Dual-learning approval
5 live approvals · 3 endedKeukenmedewerker (vwo)
Keukenmedewerker duaal (so)
Kok (vwo)
Kok duaal (so)
Restaurant en keuken duaal (so)
Show 3 ended approvals
Hulpkok (so)
Keukenmedewerker (so)
Kok (so)
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Of 20,505 companies in sector 56111 we hold annual accounts for 11,464. 7,676 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-01-1976
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0415874830
Also
9925:BE0415874830
Registered
18-03-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.