JOCH
ActiveSummary
For JOCH, at least two filing cycles of the annual accounts are missing. The 2021 annual accounts show equity of €21,428 and a net result of -€1,821. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 73% of 8679 sector peers (fiscal year 2021). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2021 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2021 · tick = 2020
Profitability11▼-89
Solvency97▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2021Solvency, return and age of the figures
Solvency
72.1%
Return on assets
-6.1%
Age of the figures
57 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2022, 4 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 6 filingsPosition against the passed deadline
31-12-2022 close31-07-2023 deadline28-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2021 was due by 31-07-2022 and was filed on 19-08-2022, 19 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
not filed
2021
19 d late
2020
30 d late
2019
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 25 days after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2021, micro schema
Equity
€21,428▼ 7.8%
2020 · €23,249
Total assets
€29,700▼ 10.1%
2020 · €33,040
Net result
-€1,821
2020 · €10,226
Working capital
€19,368▼ 5.9%
2020 · €20,585
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, 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
Line2018201920202021
Operating result€4,937--€2,421€14,032-€1,158
Net result€3,330--€2,668€10,226within the sector's middle half-€1,821below the sector's middle half
Equity€15,954-€13,023▼ 18.4%€23,249within the sector's middle half▲ 78.5%€21,428below the sector's middle half▼ 7.8%
Total assets€21,304-€21,596▲ 1.4%€33,040below the sector's middle half▲ 53.0%€29,700below the sector's middle half▼ 10.1%
Debt€5,350-€8,573▲ 60.2%€9,791▲ 14.2%€8,273▼ 15.5%
Working capital€13,704-€9,754▼ 28.8%€20,585within the sector's middle half▲ 111%€19,368within the sector's middle half▼ 5.9%
Solvency74.9%-60.3%▼ 14.6pp70.4%within the sector's middle half▲ 10.1pp72.1%within the sector's middle half▲ 1.8pp
Current ratio3.56-2.16▼ 1.403.14within the sector's middle half▲ 0.983.38within the sector's middle half▲ 0.25
Return on assets (ROA)15.6%--12.4%▼ 28.0pp30.9%above the sector's middle half▲ 43.3pp-6.1%below the sector's middle half▼ 37.1pp
above
within
below
the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, 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 turns negative in 2021: a loss of €1,158 after €14,032 in 2020.
Balance-sheet composition
2021 in colour, 2020 as the grey bar beneath
Assets €29,700
Fixed assets
€2,210 ▼ 21.5%
Current assets
€27,491 ▼ 9.0%
Equity and liabilities €29,700
Equity
€21,428 ▼ 7.8%
Debt
€8,273 ▼ 15.5%
Debt's share of the balance-sheet total falls from 29.6% to 27.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€553▼
2020 · €14,637
Cash flow
-€1,216▼
2020 · €10,830
Debt to equity
0.39
ROE
-8.5%▼
2020 · 44.0%
Interest coverage
-7.53
Debt ≤ 1 year
€8,123▼
2020 · €9,641
Income taxes
€660▼
2020 · €3,739
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €577 | €605 | €605 | €605 | = |
| Other operating charges640/8 | - | - | - | €897 | - |
| Gross operating margin9900 | €5,750 | -€1,526 | €15,140 | €344 | ▼ 97.7% |
| Operating profit (loss)9901 | €4,937 | -€2,421 | €14,032 | -€1,158 | ▼ 108% |
| Financial income75/76B | - | - | - | €70 | - |
| Recurring financial income75 | - | - | - | €70 | - |
| Financial charges65/66B | - | - | - | €73 | - |
| Recurring financial charges65 | €19 | €89 | €67 | €73 | ▲ 9.0% |
| Profit (loss) for the period before taxes9903 | €4,918 | -€2,509 | €13,965 | -€1,161 | ▼ 108% |
| Income taxes67/77 | €1,588 | €159 | €3,739 | €660 | ▼ 82.4% |
| Profit (loss) for the period9904 | €3,330 | -€2,668 | €10,226 | -€1,821 | ▼ 118% |
| Profit (loss) for the period to be appropriated9905 | €3,330 | -€2,668 | €10,226 | -€1,821 | ▼ 118% |
| Line | 2018 | 2019 | 2020 | 2021 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €21,304 | €21,596 | €33,040 | €29,700 | ▼ 10.1% |
| Fixed assets21/28 | €2,250 | €3,419 | €2,814 | €2,210 | ▼ 21.5% |
| Tangible fixed assets22/27 | €2,250 | €3,419 | €2,814 | €2,210 | ▼ 21.5% |
| Land and buildings22 | - | - | - | €2,210 | - |
| Current assets29/58 | €19,054 | €18,177 | €30,226 | €27,491 | ▼ 9.0% |
| Amounts receivable within one year40/41 | €727 | €11,495 | €20,322 | €19,405 | ▼ 4.5% |
| Trade receivables40 | - | - | - | €19,405 | - |
| Cash at bank and in hand54/58 | €16,993 | €5,231 | €8,745 | €7,904 | ▼ 9.6% |
| Deferred charges and accrued income490/1 | - | - | - | €182 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €21,304 | €21,596 | €33,040 | €29,700 | ▼ 10.1% |
| Equity10/15 | €15,954 | €13,023 | €23,249 | €21,428 | ▼ 7.8% |
| Contributions10/11 | €512 | €250 | - | €250 | - |
| Reserves13 | €3,330 | €3,330 | €3,330 | €3,330 | = |
| Distributable reserves133 | - | - | - | €3,330 | - |
| Profit (loss) carried forward14 | €12,111 | €9,443 | €19,669 | €17,848 | ▼ 9.3% |
| Amounts payable17/49 | €5,350 | €8,573 | €9,791 | €8,273 | ▼ 15.5% |
| Amounts payable within one year42/48 | €5,350 | €8,423 | €9,641 | €8,123 | ▼ 15.7% |
| Trade debts44 | €1,858 | €1,742 | - | - | - |
| Taxes, remuneration and social security45 | - | - | - | €7,221 | - |
| Taxes450/3 | - | - | - | €7,221 | - |
| Other amounts payable47/48 | - | - | - | €901 | - |
| Accrued charges and deferred income492/3 | - | - | - | €150 | - |
| Line | 2018 | 2019 | 2020 | 2021 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,330 | -€2,668 | €10,226 | -€1,821 | ▼ 118% |
| + Depreciation and write-downs630 | €577 | €605 | €605 | €605 | = |
| Operating cash flow (approximation) | €3,908 | -€2,063 | €10,830 | -€1,216 | ▼ 111% |
| Investment in fixed assets (approximation) | - | -€1,774 | €0 | €0 | - |
| Change in cash | - | -€11,763 | €3,514 | -€841 | ▼ 124% |
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
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €10,226
Net result €10,226 after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Weakest financial yearnet -€2,668
Net result drops to -€2,668, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Malmedy · 1 establishment unit since 2015
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.
Burnenville-Rue St Hilaire 304960 Malmedy1 establishment unit
JOCH
since 20152.247.990.143
Similar companies · same sector, comparable size
Architectenvennootschap Michel Hus
BE 0890.385.368
Mol · Eq €21,418
ARCHITECTE ALEXANDRE SAMUEL
BE 0825.733.185
Tournai · Eq €21,403
Atelier d’architecture et d’ingénierie ALTER
BE 0750.493.651
Brussel · Eq €21,398
MULTIPROFESSIONELE ARCHITECTEN-VENNOOTSCHAP BURO A&S DEMASURE DIRK
BE 0865.628.889
Wervik · Eq €21,465
DUNE ARCHITECTURE
BE 0808.392.060
Nivelles · Eq €21,473
Of 18,250 companies in sector 71111 we hold annual accounts for 6,321. 4,560 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formLimited partnership
Founded09-11-2015
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
74201Photography, excluding press photography
E-invoicing
Reachable via Peppol
Peppol ID
0208:0642744170
Also
9925:BE0642744170
Registered
25-11-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.