Joca Interior
ActiveSummary
Joca Interior is younger than twelve months; there is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show equity of €9k and a net result of €6k. Its solvency ranks better than 17% of 27965 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability62
Solvency39
Growth-
Track record50
Credit verdict
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.35; short-term debt: 85.5% and cash: 2.2% of total assets), and 85.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 27965 sector peers (2025).
NBB · sector comparisonPosition among 27965 sector peers
Solvency
better than 17%
← weakest
strongest →
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 1 filingDeviation from the deadline
2025
25 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€9k
Total assets
€65k
Net result
€6k
Working capital
€-36k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €65k
Fixed assets
€46k
Current assets
€19k
Equity and liabilities €65k
Equity
€9k
Debt
€56k
Debt finances 85.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€9k
Cash flow
€7k
Current ratio
0.35
Debt to equity
5.91
ROE
68.2%
ROA
9.9%
Debt ≤ 1 year
€56k
Income taxes
€2k
Filed annual accounts As filed with the NBB · 2025 · 34 lines
Balance sheet
Code2025
Assets
Total assets20/58€65k
Fixed assets21/28€46k
Tangible fixed assets22/27€46k
Land and buildings22€8k
Furniture and vehicles24€28k
Leasing and similar rights25€10k
Current assets29/58€19k
Amounts receivable within one year40/41€18k
Trade receivables40€12k
Other amounts receivable41€6k
Cash at bank and in hand54/58€1k
Equity and liabilities
Total equity and liabilities10/49€65k
Equity10/15€9k
Contributions10/11€3k
Reserves13€6k
Distributable reserves133€6k
Amounts payable17/49€56k
Amounts payable within one year42/48€56k
Trade debts44€466
Suppliers440/4€466
Taxes, remuneration and social security45€2k
Taxes450/3€2k
Other amounts payable47/48€53k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€432
Other operating charges640/8€400
Gross operating margin9900€9k
Operating profit (loss)9901€8k
Profit (loss) for the period before taxes9903€8k
Income taxes67/77€2k
Profit (loss) for the period9904€6k
Profit (loss) for the period to be appropriated9905€6k
Appropriation of the result
Profit (loss) to be appropriated9906€6k
Transfer to equity691/2€6k
To other reserves6921€6k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €432 |
| Other operating charges640/8 | €400 |
| Gross operating margin9900 | €9k |
| Operating profit (loss)9901 | €8k |
| Profit (loss) for the period before taxes9903 | €8k |
| Income taxes67/77 | €2k |
| Profit (loss) for the period9904 | €6k |
| Profit (loss) for the period to be appropriated9905 | €6k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €65k | |
| Fixed assets21/28 | €46k | |
| Tangible fixed assets22/27 | €46k | |
| Land and buildings22 | €8k | |
| Furniture and vehicles24 | €28k | |
| Leasing and similar rights25 | €10k | |
| Current assets29/58 | €19k | |
| Amounts receivable within one year40/41 | €18k | |
| Trade receivables40 | €12k | |
| Other amounts receivable41 | €6k | |
| Cash at bank and in hand54/58 | €1k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €65k | |
| Equity10/15 | €9k | |
| Contributions10/11 | €3k | |
| Reserves13 | €6k | |
| Distributable reserves133 | €6k | |
| Amounts payable17/49 | €56k | |
| Amounts payable within one year42/48 | €56k | |
| Trade debts44 | €466 | |
| Suppliers440/4 | €466 | |
| Taxes, remuneration and social security45 | €2k | |
| Taxes450/3 | €2k | |
| Other amounts payable47/48 | €53k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €6k |
| + Depreciation and write-downs630 | €432 |
| Operating cash flow (approximation) | €7k |
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
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Kasterlee · 1 establishment unit since 2025
Ground area
879 m²
Building footprint
61 m²
Parcel 13017H0426/00K000, Flanders. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Joca Interior
since 20252.381.429.974
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13017H0426/00K000 | Flanders | 879 m² | 1 · 61 m² | - |
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.
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Of 7,863 companies in sector 43341 we hold annual accounts for 2,663. 1,609 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
Founded27-11-2025
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
31004Manufacture of dining room, living room, bedroom and bathroom furniture
43333Wallpapering and laying of floor and wall coverings in other materials
46190Agents in non-specialised wholesale trade
Scores and ratios are computed by Checked and are not a credit decision.