JOCHA
ActiveSummary
JOCHA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €626k and a net result of €99k. Equity is growing by ~29.3% per year across the filed fiscal years. Its solvency ranks better than 38% of 9234 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability45=
Solvency44▲+3
Growth85=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.02 against 0.02 in 2024; short-term debt: 80.9% and cash: 2% of total assets), and 80.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
19.1%
Return on assets
3%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
3 d late
2023
1 d early
2022
3 d late
2021
on the day
2020
1 d early
2019
25 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€231k▲ 47.4%
2019 · €157k
EBIT margin
64.4%▼ 7.6pp
2019 · 72.0%
Net result
€99k▼ 4.7%
2024 · €104k
Working capital
€-2.58M▲ 3.1%
2024 · €-2.66M
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
Turnover
Operating result€161k▲ 8.0%€161k▲ 0.4%€174k▲ 7.5%€181k▲ 4.2%€148k▼ 17.9%
Net result€90k▲ 16.8%€91k▲ 0.9%€99k▲ 9.2%€104k▲ 5.0%€99k▼ 4.7%
EBIT margin
Equity€233k▲ 63.0%€324k▲ 39.0%€423k▲ 30.6%€527k▲ 24.6%€626k▲ 18.8%
Total assets€3.23M▼ 0.3%€3.24M▲ 0.2%€3.25M▲ 0.4%€3.27M▲ 0.6%€3.27M▲ 0.1%
Debt€3.00M▼ 3.2%€2.92M▼ 2.8%€2.83M▼ 3.0%€2.75M▼ 3.0%€2.65M▼ 3.5%
Working capital€-2.76M▼ 2,415%€-2.77M▼ 0.2%€-2.73M▲ 1.4%€-2.66M▲ 2.3%€-2.58M▲ 3.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.27M
Fixed assets
€3.21M =
Current assets
€65k ▲ 3.2%
Equity and liabilities €3.27M
Equity
€626k ▲ 18.8%
Debt
€2.65M ▼ 3.5%
Debt's share of the balance-sheet total falls from 83.9% to 80.9%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
0.02▲
2024 · 0.02
Debt to equity
4.23▼
2024 · 5.21
ROE
15.9%▼
2024 · 19.8%
ROA
3.0%▼
2024 · 3.2%
Debt ≤ 1 year
€2.65M▼
2024 · €2.73M
Debt > 1 year
€0▼
2024 · €17k
Income taxes
€47k▼
2024 · €49k
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 |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €930 | €988 | €1k | €1k | ▲ 0.7% |
| Gross operating margin9900 | €162k | €162k | €175k | €182k | €149k | ▼ 17.8% |
| Operating profit (loss)9901 | €161k | €161k | €174k | €181k | €148k | ▼ 17.9% |
| Financial income75/76B | - | - | €1 | €0 | - | - |
| Recurring financial income75 | - | - | €1 | €0 | - | - |
| Financial charges65/66B | - | €28k | €28k | €28k | €2k | ▼ 93.9% |
| Recurring financial charges65 | €28k | €28k | €28k | €28k | €2k | ▼ 93.9% |
| Profit (loss) for the period before taxes9903 | €132k | €134k | €146k | €153k | €147k | ▼ 4.3% |
| Income taxes67/77 | €42k | €43k | €47k | €49k | €47k | ▼ 3.5% |
| Profit (loss) for the period9904 | €90k | €91k | €99k | €104k | €99k | ▼ 4.7% |
| Profit (loss) for the period to be appropriated9905 | €90k | €91k | €99k | €104k | €99k | ▼ 4.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.23M | €3.24M | €3.25M | €3.27M | €3.27M | ▲ 0.1% |
| Fixed assets21/28 | €3.21M | €3.21M | €3.21M | €3.21M | €3.21M | = |
| Financial fixed assets28 | €3.21M | €3.21M | €3.21M | €3.21M | €3.21M | = |
| Current assets29/58 | €22k | €30k | €43k | €63k | €65k | ▲ 3.2% |
| Amounts receivable within one year40/41 | €3k | €2k | €7k | €36k | €5 | ▼ 100.0% |
| Trade receivables40 | - | - | €7k | €36k | €0 | ▼ 100% |
| Other amounts receivable41 | - | €2k | €5 | €5 | €5 | = |
| Cash at bank and in hand54/58 | €19k | €28k | €36k | €27k | €65k | ▲ 144% |
| Deferred charges and accrued income490/1 | - | €0 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.23M | €3.24M | €3.25M | €3.27M | €3.27M | ▲ 0.1% |
| Equity10/15 | €233k | €324k | €423k | €527k | €626k | ▲ 18.8% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €220k | €311k | €410k | €521k | €620k | ▲ 19.1% |
| Distributable reserves133 | - | €311k | €410k | €521k | €620k | ▲ 19.1% |
| Profit (loss) carried forward14 | €7k | €7k | €7k | €0 | - | - |
| Amounts payable17/49 | €3.00M | €2.92M | €2.83M | €2.75M | €2.65M | ▼ 3.5% |
| Amounts payable after more than one year17 | €214k | €118k | €58k | €17k | €0 | ▼ 100% |
| Financial debts170/4 | - | €118k | €58k | €17k | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €2.78M | €2.80M | €2.77M | €2.73M | €2.65M | ▼ 2.9% |
| Current portion of amounts payable after more than one year42 | - | €40k | €41k | €41k | €17k | ▼ 58.0% |
| Financial debts43 | - | €86k | €49k | €30k | €15k | ▼ 49.7% |
| Credit institutions430/8 | - | - | - | €30k | €15k | ▼ 49.7% |
| Other loans439 | - | €86k | €49k | €0 | - | - |
| Trade debts44 | €2k | €10k | €4k | €3k | €1k | ▼ 60.3% |
| Suppliers440/4 | - | €10k | €4k | €3k | €1k | ▼ 60.3% |
| Taxes, remuneration and social security45 | - | €22k | €25k | €24k | €29k | ▲ 23.1% |
| Taxes450/3 | - | €20k | €23k | €24k | €29k | ▲ 23.1% |
| Remuneration and social security454/9 | - | €2k | €3k | €0 | - | - |
| Other amounts payable47/48 | - | €2.64M | €2.65M | €2.63M | €2.59M | ▼ 1.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €90k | €91k | €99k | €104k | €99k | ▼ 4.7% |
| Operating cash flow (approximation) | €90k | €91k | €99k | €104k | €99k | ▼ 4.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €9k | €8k | €-9k | €38k | ▲ 531% |
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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 3 days late
2024
30-06
Financial
Highest result since 2019net €104k ▲5%
Operating result €181k, net result €104k, both a record.
30-06
Financial
Equity above €500kEq €527k ▲24.6%
6 profitable years in a row build equity to €527k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €200kEq €233k ▲63%
3 profitable years in a row build equity to €233k.
30-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €100kEq €143k ▲117%
2 profitable years in a row build equity to €143k.
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 21 days late
2017
31-01
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.
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, Hasselt · 1 establishment unit since 2009
Ground area
2,660 m²
Building footprint
142 m²
Volume, LiDAR
974 m³
Parcel 73020B0251/00T000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Jocha
since 20092.176.724.441
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73020B0251/00T000 | Flanders | 2,660 m² | 1 · 142 m² | 10.5 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
2024 to 2025 · 2 entries · 1,472 EUR awarded · 1,472 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 729 EUR |
| 2024 | 1 | 1,472 EUR | 743 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,698 companies in sector 68121 we hold annual accounts for 7,384. 4,484 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
Founded19-12-2008
Fiscal year end30-06
Activities, NACEBEL 2025
68121Development of residential building projects
68122Development of non-residential building projects
Scores and ratios are computed by Checked and are not a credit decision.