Summary
JOCA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €140,947 and a net result of €119,731. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 70% of 8091 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 17-02-2026, 164 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
164 d early
2024
104 d early
2023
111 d early
2022
108 d early
2021
61 d early
2020
101 d early
2019
102 d early
← 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 107 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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, micro schema
Equity
€140,947▲ 11.7%
2024 · €126,215
Net result
€119,731▲ 12.2%
2024 · €106,739
Total assets
€191,442▲ 20.3%
2024 · €159,089
Solvency
73.6%▼ 5.7pp
2024 · 79.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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€109,695▼ 12.2%€126,065▲ 14.9%€135,772▲ 7.7%€136,106▲ 0.2%€154,337▲ 13.4%
Net result€84,496above the sector's middle half▼ 11.8%€96,094above the sector's middle half▲ 13.7%€104,829above the sector's middle half▲ 9.1%€106,739above the sector's middle half▲ 1.8%€119,731above the sector's middle half▲ 12.2%
Equity€250,554within the sector's middle half▲ 50.2%€116,647within the sector's middle half▼ 53.4%€131,476within the sector's middle half▲ 12.7%€126,215within the sector's middle half▼ 4.0%€140,947within the sector's middle half▲ 11.7%
Total assets€326,665within the sector's middle half▲ 39.9%€143,561within the sector's middle half▼ 56.1%€161,662within the sector's middle half▲ 12.6%€159,089within the sector's middle half▼ 1.6%€191,442within the sector's middle half▲ 20.3%
Debt€76,111▲ 14.2%€26,913▼ 64.6%€30,186▲ 12.2%€32,874▲ 8.9%€50,496▲ 53.6%
Working capital€247,775above the sector's middle half▲ 51.4%€115,611within the sector's middle half▼ 53.3%€132,034within the sector's middle half▲ 14.2%€127,415within the sector's middle half▼ 3.5%€142,447within the sector's middle half▲ 11.8%
Solvency76.7%above the sector's middle half▲ 5.2pp81.3%above the sector's middle half▲ 4.6pp81.3%above the sector's middle half▲ 0.1pp79.3%above the sector's middle half▼ 2.0pp73.6%within the sector's middle half▼ 5.7pp
Current ratio4.31above the sector's middle half▲ 0.805.55above the sector's middle half▲ 1.245.63above the sector's middle half▲ 0.085.06above the sector's middle half▼ 0.573.91within the sector's middle half▼ 1.15
Return on assets (ROA)25.9%above the sector's middle half▼ 15.2pp66.9%above the sector's middle half▲ 41.1pp64.8%above the sector's middle half▼ 2.1pp67.1%above the sector's middle half▲ 2.2pp62.5%above the sector's middle half▼ 4.6pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €191,442
Equity
€140,947 ▲ 11.7%
Debt
€50,496 ▲ 53.6%
Debt's share of the balance-sheet total rises from 20.7% to 26.4%. Equity and debt are higher.
Key figures and ratios
ROE
84.9%▲
2024 · 84.6%
Debt ≤ 1 year
€48,996▲
2024 · €31,374
Income taxes
€34,657▲
2024 · €29,986
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,386 | €1,442 | €1,435 | €801 | €301 | ▼ 62.5% |
| Other operating charges640/8 | €871 | €1,414 | €849 | €685 | €926 | ▲ 35.3% |
| Gross operating margin9900 | €111,952 | €128,920 | €138,055 | €137,592 | €155,564 | ▲ 13.1% |
| Operating profit (loss)9901 | €109,695 | €126,065 | €135,772 | €136,106 | €154,337 | ▲ 13.4% |
| Financial income75/76B | - | - | €533 | €2,541 | €1,946 | ▼ 23.4% |
| Recurring financial income75 | - | - | €533 | €2,541 | €1,946 | ▼ 23.4% |
| Financial charges65/66B | €1,790 | €2,380 | €1,536 | €1,922 | €1,896 | ▼ 1.3% |
| Recurring financial charges65 | €1,790 | €2,380 | €1,536 | €1,922 | €1,896 | ▼ 1.3% |
| Profit (loss) for the period before taxes9903 | €107,905 | €123,685 | €134,769 | €136,725 | €154,388 | ▲ 12.9% |
| Income taxes67/77 | €23,409 | €27,591 | €29,940 | €29,986 | €34,657 | ▲ 15.6% |
| Profit (loss) for the period9904 | €84,496 | €96,094 | €104,829 | €106,739 | €119,731 | ▲ 12.2% |
| Profit (loss) for the period to be appropriated9905 | €84,496 | €96,094 | €104,829 | €106,739 | €119,731 | ▲ 12.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €326,665 | €143,561 | €161,662 | €159,089 | €191,442 | ▲ 20.3% |
| Fixed assets21/28 | €3,978 | €2,536 | €1,102 | €301 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €3,978 | €2,536 | €1,102 | €301 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | €1,224 | €636 | €56 | €0 | - | - |
| Furniture and vehicles24 | €2,230 | €1,587 | €944 | €301 | €0 | ▼ 100% |
| Other tangible fixed assets26 | €524 | €313 | €102 | €0 | - | - |
| Current assets29/58 | €322,686 | €141,024 | €160,561 | €158,789 | €191,442 | ▲ 20.6% |
| Amounts receivable within one year40/41 | €17,914 | €18,907 | €1,131 | €23,114 | €22,408 | ▼ 3.1% |
| Trade receivables40 | €17,582 | €18,211 | €532 | €22,938 | €22,408 | ▼ 2.3% |
| Other amounts receivable41 | €332 | €696 | €599 | €177 | €0 | ▼ 100% |
| Current investments50/53 | - | - | €100,000 | €105,000 | €141,000 | ▲ 34.3% |
| Cash at bank and in hand54/58 | €304,329 | €121,415 | €44,068 | €21,394 | €24,811 | ▲ 16.0% |
| Deferred charges and accrued income490/1 | €444 | €702 | €15,362 | €9,281 | €3,223 | ▼ 65.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €326,665 | €143,561 | €161,662 | €159,089 | €191,442 | ▲ 20.3% |
| Equity10/15 | €250,554 | €116,647 | €131,476 | €126,215 | €140,947 | ▲ 11.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €231,954 | €98,047 | €112,876 | €107,615 | €122,347 | ▲ 13.7% |
| Non-distributable reserves130/1 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | - | - | - | - | - |
| Distributable reserves133 | €230,094 | €98,047 | €112,876 | €107,615 | €122,347 | ▲ 13.7% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €76,111 | €26,913 | €30,186 | €32,874 | €50,496 | ▲ 53.6% |
| Amounts payable within one year42/48 | €74,911 | €25,413 | €28,526 | €31,374 | €48,996 | ▲ 56.2% |
| Trade debts44 | €1,091 | €1,103 | €662 | €985 | €655 | ▼ 33.5% |
| Suppliers440/4 | €1,091 | €1,103 | €662 | €985 | €655 | ▼ 33.5% |
| Taxes, remuneration and social security45 | €53,999 | €3,470 | €5,410 | €5,231 | €20,275 | ▲ 288% |
| Taxes450/3 | €53,999 | €3,470 | €5,410 | €5,231 | €20,275 | ▲ 288% |
| Other amounts payable47/48 | €19,822 | €20,840 | €22,454 | €25,158 | €28,066 | ▲ 11.6% |
| Accrued charges and deferred income492/3 | €1,200 | €1,500 | €1,660 | €1,500 | €1,500 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €84,496 | €96,094 | €104,829 | €106,739 | €119,731 | ▲ 12.2% |
| + Depreciation and write-downs630 | €1,386 | €1,442 | €1,435 | €801 | €301 | ▼ 62.5% |
| Operating cash flow (approximation) | €85,881 | €97,536 | €106,264 | €107,540 | €120,032 | ▲ 11.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€182,914 | -€77,347 | -€22,674 | €3,417 | ▲ 115% |
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
17-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €119,731 ▲12.2%
Operating result €154,337, net result €119,731, both a record.
18-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200,000Eq €250,554 ▲50.2%
3 profitable years in a row build equity to €250,554.
21-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150,000Eq €166,858 ▲132%
2 profitable years in a row build equity to €166,858.
20-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Tielt · 1 establishment unit since 2019
Ground area
839 m²
Building footprint
148 m²
Volume, LiDAR
734 m³
Parcel 37302F0109/00W000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOCA
since 20192.287.452.218
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37302F0109/00W000 | Flanders | 839 m² | 1 · 148 m² | 6.8 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 729 EUR awarded · 729 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 357 EUR | 357 EUR |
| 2023 | 1 | 372 EUR | 372 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
64881KH60KP3Y08C2E19
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 13,104 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
Founded04-04-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Contact
Phone
0497051631Tielt
E-invoicing
Reachable via Peppol
Peppol ID
0208:0724560702
Also
9925:BE0724560702
Registered
26-03-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.