JOCA
ActiveSummary
JOCA has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €338k and a net result of €6k. Equity remains stable across the filed fiscal years (±1.8% per year). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71=
Solvency100▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 3.5 against 3.16 in 2024; short-term debt: 24.9% and cash: 0.3% of total assets), and 24.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
75.1%
Return on assets
1.4%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 23-09-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
8 d early
2023
on the day
2022
22 d late
2021
2 d early
2020
10 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€338k▲ 1.9%
2024 · €331k
Total assets
€450k▼ 1.2%
2024 · €455k
Net result
€6k▼ 29.4%
2024 · €9k
Working capital
€280k▲ 4.6%
2024 · €268k
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€8k€10k▲ 28.4%€8k▼ 22.5%€9k▲ 12.7%€6k▼ 35.6%
Net result€6k€6k▲ 5.6%€19k▲ 188%€9k▼ 52.3%€6k▼ 29.4%
Equity€314k▲ 2.0%€320k▲ 2.1%€322k▲ 0.7%€331k▲ 2.8%€338k▲ 1.9%
Total assets€643k▲ 0.1%€434k▼ 32.5%€453k▲ 4.4%€455k▲ 0.4%€450k▼ 1.2%
Debt€329k▼ 1.7%€114k▼ 65.4%€131k▲ 14.7%€124k▼ 5.3%€112k▼ 9.3%
Working capital€295k▲ 2.5%€302k▲ 2.4%€305k▲ 1.1%€268k▼ 12.3%€280k▲ 4.6%
Staff (FTE)00
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €450k
Fixed assets
€58k ▼ 9.4%
Current assets
€392k ▲ 0.2%
Equity and liabilities €450k
Equity
€338k ▲ 1.9%
Debt
€112k ▼ 9.3%
Debt's share of the balance-sheet total falls from 27.2% to 24.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €12k
Cash flow
€12k▼
2024 · €12k
Current ratio
3.50▲
2024 · 3.16
Debt to equity
0.33▼
2024 · 0.37
ROE
1.9%▼
2024 · 2.7%
ROA
1.4%▼
2024 · 2.0%
Interest coverage
139.98▼
2024 · 312.88
Debt ≤ 1 year
€112k▼
2024 · €124k
Income taxes
€2k▼
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €125 | €125 | €125 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €1k | €1k | €4k | €6k | ▲ 70.2% |
| Other operating charges640/8 | - | €2k | €2k | €2k | €2k | ▲ 4.3% |
| Gross operating margin9900 | €11k | €13k | €11k | €14k | €14k | ▼ 3.5% |
| Operating profit (loss)9901 | €8k | €10k | €8k | €9k | €6k | ▼ 35.6% |
| Financial income75/76B | - | €6k | €12k | €3k | €3k | ▼ 6.6% |
| Recurring financial income75 | €9k | €6k | €12k | €3k | €3k | ▼ 6.6% |
| Financial charges65/66B | - | €6k | €39 | €39 | €83 | ▲ 113% |
| Recurring financial charges65 | €11k | €6k | €39 | €39 | €83 | ▲ 113% |
| Profit (loss) for the period before taxes9903 | €6k | €9k | €20k | €12k | €9k | ▼ 27.8% |
| Income taxes67/77 | - | €3k | €1k | €3k | €2k | ▼ 23.2% |
| Profit (loss) for the period9904 | €6k | €6k | €19k | €9k | €6k | ▼ 29.4% |
| Profit (loss) for the period to be appropriated9905 | €6k | €6k | €19k | €9k | €6k | ▼ 29.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €643k | €434k | €453k | €455k | €450k | ▼ 1.2% |
| Fixed assets21/28 | €19k | €18k | €17k | €64k | €58k | ▼ 9.4% |
| Tangible fixed assets22/27 | €19k | €18k | €17k | €64k | €58k | ▼ 9.4% |
| Land and buildings22 | - | €18k | €17k | €64k | €58k | ▼ 9.4% |
| Current assets29/58 | €623k | €416k | €436k | €391k | €392k | ▲ 0.2% |
| Amounts receivable after more than one year29 | - | €260k | €248k | €236k | €224k | ▼ 5.1% |
| Other amounts receivable291 | - | €260k | €248k | €236k | €224k | ▼ 5.1% |
| Amounts receivable within one year40/41 | €35k | €155k | €187k | €155k | €166k | ▲ 7.3% |
| Trade receivables40 | - | €310 | - | €374 | €0 | ▼ 100% |
| Other amounts receivable41 | - | €155k | €187k | €155k | €166k | ▲ 7.6% |
| Cash at bank and in hand54/58 | €1k | €278 | €538 | €197 | €1k | ▲ 538% |
| Deferred charges and accrued income490/1 | - | - | - | - | €338 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €643k | €434k | €453k | €455k | €450k | ▼ 1.2% |
| Equity10/15 | €314k | €320k | €322k | €331k | €338k | ▲ 1.9% |
| Contributions10/11 | €124k | €124k | €124k | €124k | €124k | = |
| Capital10 | - | €124k | €124k | €124k | €124k | = |
| Issued capital100 | - | €124k | €124k | €124k | €124k | = |
| Reserves13 | €190k | €196k | €198k | €207k | €214k | ▲ 3.0% |
| Non-distributable reserves130/1 | - | €12k | €12k | €12k | €12k | = |
| Legal reserve130 | - | €12k | €12k | €12k | €12k | = |
| Distributable reserves133 | - | €184k | €186k | €195k | €201k | ▲ 3.2% |
| Profit (loss) carried forward14 | - | - | - | €0 | - | - |
| Amounts payable17/49 | €329k | €114k | €131k | €124k | €112k | ▼ 9.3% |
| Amounts payable within one year42/48 | €328k | €114k | €131k | €124k | €112k | ▼ 9.3% |
| Trade debts44 | €160 | €508 | €240 | €384 | €0 | ▼ 100% |
| Suppliers440/4 | - | €508 | €240 | €384 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | - | €1k | €168 | €0 | ▼ 100% |
| Taxes450/3 | - | - | €1k | €168 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €113k | €129k | €123k | €112k | ▼ 8.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6k | €6k | €19k | €9k | €6k | ▼ 29.4% |
| + Depreciation and write-downs630 | €1k | €1k | €1k | €4k | €6k | ▲ 70.2% |
| Operating cash flow (approximation) | €7k | €8k | €20k | €12k | €12k | ▼ 1.1% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-50k | €0 | ▲ 100% |
| Change in cash | - | €-1k | €260 | €-342 | €1k | ▲ 409% |
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
25-09
State Gazette act
Permanent representative: Carl FERAINE2 facts ▸
State Gazette act
Permanent representative: Carl FERAINE
2 facts ▸
- General meeting, 01-07-2026
- Permanent representative, Carl FERAINE (permanent representative)
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
23-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Highest result since 2019net €19k ▲188%
Net result €19k, the highest in the series.
2022
22-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 22 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
2020
10-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 10 days late
31-03
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
17-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Izegem · 1 establishment unit since 1988
Ground area
1,904 m²
Building footprint
1,243 m²
Volume, LiDAR
5,612 m³
2 parcels, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
JOCA NV
since 19882.038.673.744
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36494D0740/00D000 | Flanders | 1,146 m² | 1 · 316 m² | 8.2 m · 1 fl. |
| 36494D0875/00P002 | Flanders | 757 m² | 1 · 927 m² | 10.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPublic limited company
Founded13-04-1988
Fiscal year end31-03
Scores and ratios are computed by Checked and are not a credit decision.