JOCARLUX
ActiveJOCARLUX has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €618k and a net result of €51k. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 89% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 8.23 against 10.87 in 2024; short-term debt: 10.8% and cash: 81.5% of total assets), and 15.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
84.4%
Return on assets
6.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
1 d early
2022
3 d early
2021
4 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€618k▼ 1.3%
2024 · €626k
2018: €358k
2019: €416k
2020: €511k
2021: €526k
2022: €553k
2023: €609k
2024: €626k
2018 → 2025
Total assets
€732k▲ 1.9%
2024 · €719k
2018: €524k
2019: €525k
2020: €610k
2021: €618k
2022: €639k
2023: €700k
2024: €719k
2018 → 2025
Net result
€51k▼ 9.5%
2024 · €56k
2018: €39k
2019: €59k
2020: €95k
2021: €58k
2022: €61k
2023: €83k
2024: €56k
2018 → 2025
Working capital
€573k▲ 3.5%
2024 · €554k
2018: €287k
2019: €367k
2020: €472k
2021: €485k
2022: €501k
2023: €525k
2024: €554k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€526k-€553k▲ 5.2%€609k▲ 10.1%€626k▲ 2.7%€618k▼ 1.3%
Operating result€76k-€83k▲ 9.6%€111k▲ 32.9%€70k▼ 36.5%€66k▼ 6.0%
Net result€58k-€61k▲ 4.5%€83k▲ 36.6%€56k▼ 32.5%€51k▼ 9.5%
Turnover and EBIT margin not published: the 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 6% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €732k
Fixed assets
€80k▼ 26.7%
Current assets
€653k▲ 7.0%
Equity and liabilities €732k
Equity
€618k▼ 1.3%
Provisions
€35k▼ 3.6%
Debt
€79k▲ 40.6%
The debt ratio rises from 7.9% to 10.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€95k▼
2024 · €99k
Cash flow
€80k▼
2024 · €85k
Solvency
84.4%▼
2024 · 87.1%
Current ratio
8.23▼
2024 · 10.87
Quick ratio
8.23▼
2024 · 10.87
Debt / equity
0.13▲
2024 · 0.09
ROE
8.2%▼
2024 · 9.0%
ROA
6.9%▼
2024 · 7.8%
Interest coverage
113.16▼
2024 · 336.90
Debt
€79k▲
2024 · €56k
Debt ≤ 1 year
€79k▲
2024 · €56k
Income taxes
€22k▼
2024 · €23k
Staff costs
€59k▼
2024 · €61k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€719k€732k▲
Fixed assets21/28€109k€80k▼
Tangible fixed assets22/27€109k€79k▼
Land and buildings22€46k€34k▼
Plant, machinery and equipment23€11k€9k▼
Furniture and vehicles24€48k€33k▼
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€90€90=
Current assets29/58€610k€653k▲
Amounts receivable within one year40/41€73k€53k▼
Trade receivables40€66k€45k▼
Other amounts receivable41€7k€9k▲
Current investments50/53€300k€0▼
Cash at bank and in hand54/58€228k€596k▲
Deferred charges and accrued income490/1€9k€3k▼
Equity and liabilities
Total equity and liabilities10/49€719k€732k▲
Equity10/15€626k€618k▼
Contributions10/11€12k€12k=
Reserves13€613k€605k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€50k€46k▼
Distributable reserves133€563k€559k▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€36k€35k▼
Provisions for liabilities and charges160/5€31k€31k=
Pensions and similar obligations160€31k€31k=
Deferred taxes168€5k€4k▼
Amounts payable17/49€56k€79k▲
Amounts payable within one year42/48€56k€79k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€12k€24k▲
Suppliers440/4€12k€24k▲
Taxes, remuneration and social security45€13k€5k▼
Taxes450/3€9k€1k▼
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€32k€51k▲
Accrued charges and deferred income492/3€291€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€61k€59k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€29k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€165k€159k▼
Operating profit (loss)9901€70k€66k▼
Financial income75/76B€8k€6k▼
Recurring financial income75€8k€6k▼
Financial charges65/66B€293€842▲
Recurring financial charges65€293€842▲
Profit (loss) for the period before taxes9903€78k€71k▼
Transfer from deferred taxes780€1k€1k=
Transfer to deferred taxes680€0-
Income taxes67/77€23k€22k▼
Profit (loss) for the period9904€56k€51k▼
Transfer from tax-exempt reserves789€4k€4k=
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€60k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€60k€55k▼
Transfer from equity791/2€40k€59k▲
Transfer to equity691/2€60k€55k▼
To other reserves6921€60k€55k▼
Profit to be distributed694/7€40k€59k▲
Return on contributions (dividend)694€40k€59k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €95k ▲61.5%
Operating result €134k, net result €95k, both a record.
30-09
Financial
Equity above €500kEq €511k ▲22.7%
3 profitable years in a row build equity to €511k.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Liquidity doublescurrent ratio 10.67
Current ratio from 4.40 to 10.67; short-term debt falls from €84k to €38k.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zottegem · 1 establishment unit since 2003
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Sonseindestraat 169620 ZottegemGround area
1,003 m²
Building footprint
163 m²
Volume, LiDAR
895 m³
Parcel 41069B0177/00H000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOCARLUX
since 20032.123.245.767
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41069B0177/00H000 | Flanders | 1,003 m² | 1 · 163 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
CLOISONS 2000
BE 0428.502.745
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LEADER CONCEPT & CIE
BE 0832.217.141
Charleroi · Eq €618k
DOMINO
BE 0455.025.911
Kruisem · Eq €619k
D-HOMES
BE 0633.530.853
Fléron · Eq €619k
LATHY
BE 0849.091.082
Zaventem · Eq €616k
Of 20,025 companies in sector 43320 we hold annual accounts for 9,136. 5,496 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-01-2003
Fiscal year end30-09
Activities, NACEBEL
43320Joinery installation
45421
43211General electrical installation work
45310
71121Engineering and related technical consultancy, excluding land surveyors
74203
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.