JOCHEMS JOHAN 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 €288k and a net result of €47k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 81% of 5523 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. 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 04-07-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
22 d early
2023
19 d early
2022
27 d early
2021
26 d early
2020
271 d late
2019
271 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€288k▲ 1.0%
2024 · €285k
2018: €417k
2019: €59k
2020: €114k
2021: €180k
2022: €216k
2023: €248k
2024: €285k
2018 → 2025
Net result
€47k▲ 25.9%
2024 · €38k
2018: €43k
2019: €70k
2020: €55k
2021: €66k
2022: €35k
2023: €32k
2024: €38k
2018 → 2025
Total assets
€335k▲ 14.9%
2024 · €291k
2018: €447k
2019: €521k
2020: €593k
2021: €210k
2022: €217k
2023: €252k
2024: €291k
2018 → 2025
Solvency
86.1%▼ 11.8pp
2024 · 97.9%
2018: 93.4%
2019: 11.3%
2020: 19.2%
2021: 85.8%
2022: 99.4%
2023: 98.3%
2024: 97.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€180k-€216k▲ 19.5%€248k▲ 14.9%€285k▲ 15.2%€288k▲ 1.0%
Operating result€91k-€54k▼ 41.2%€45k▼ 16.4%€52k▲ 14.9%€66k▲ 28.2%
Net result€66k-€35k▼ 46.7%€32k▼ 9.0%€38k▲ 17.6%€47k▲ 25.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 28% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €335k
Fixed assets
€73k▼ 26.1%
Current assets
€262k▲ 36.0%
Equity and liabilities €335k
Equity
€288k▲ 1.0%
Debt
€47k▲ 668%
The debt ratio rises from 2.1% to 13.9%. Equity and debt are higher.
Key figures and ratios
Solvency
86.1%▼
2024 · 97.9%
ROE
16.5%▲
2024 · 13.2%
ROA
14.2%▲
2024 · 12.9%
Debt
€47k▲
2024 · €6k
Debt ≤ 1 year
€47k▲
2024 · €6k
Income taxes
€18k▲
2024 · €14k
Staff costs
€0▼
2024 · €2k
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€291k€335k▲
Fixed assets21/28€99k€73k▼
Tangible fixed assets22/27€99k€73k▼
Plant, machinery and equipment23€69k€62k▼
Furniture and vehicles24€31k€12k▼
Current assets29/58€192k€262k▲
Amounts receivable within one year40/41€11k€6k▼
Trade receivables40€6k€2k▼
Other amounts receivable41€4k€4k▼
Cash at bank and in hand54/58€171k€245k▲
Deferred charges and accrued income490/1€10k€10k▼
Equity and liabilities
Total equity and liabilities10/49€291k€335k▲
Equity10/15€285k€288k▲
Contributions10/11€12k€12k=
Reserves13€273k€276k▲
Distributable reserves133€273k€276k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€6k€47k▲
Amounts payable within one year42/48€6k€47k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Remuneration and social security454/9€223€0▼
Other amounts payable47/48-€39k
Income statement
Code20242025
Remuneration, social security and pensions62€2k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€27k▼
Other operating charges640/8€798€718▼
Gross operating margin9900€82k€94k▲
Operating profit (loss)9901€52k€66k▲
Financial income75/76B€308€77▼
Recurring financial income75€308€77▼
Financial charges65/66B€316€190▼
Recurring financial charges65€316€190▼
Profit (loss) for the period before taxes9903€52k€66k▲
Income taxes67/77€14k€18k▲
Profit (loss) for the period9904€38k€47k▲
Profit (loss) for the period to be appropriated9905€38k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€47k▲
Transfer from equity791/2-€45k
Transfer to equity691/2€38k€47k▲
To other reserves6921€38k€47k▲
Profit to be distributed694/7-€45k
Return on contributions (dividend)694-€45k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (7 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
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €32k ▼9%
Net result drops to €32k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity times 25current ratio 107.11
Current ratio from 4.22 to 107.11; short-term debt falls from €30k to €1k.
31-12
Financial
Equity above €200kEq €216k ▲19.5%
5 profitable years in a row build equity to €216k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 271 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 4.22
Current ratio from 1.23 to 4.22; short-term debt falls from €479k to €30k.
31-12
Financial
Equity above €150kEq €180k ▲58%
4 profitable years in a row build equity to €180k.
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 271 days late
2020
31-12
Financial
Equity above €100kEq €114k ▲93.7%
3 profitable years in a row build equity to €114k.
2019
31-12
Financial
Highest result since 2018net €70k ▲65.2%
Operating result €106k, net result €70k, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-07
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
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, Rijkevorsel · 1 establishment unit since 2007
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.
Vaart 252310 RijkevorselGround area
5,155 m²
Building footprint
323 m²
Volume, LiDAR
1,543 m³
Parcel 13502F0132/00B004, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Jochems Johan
since 20072.158.901.977
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13502F0132/00B004 | Flanders | 5,155 m² | 1 · 323 m² | 8.6 m · 1 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,749 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2006
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.