JOCHMANS MENUISERIE

Active

Private limited company (pre-2019)founded 201312 yrs activeRue de Courcelles 34, 7180 Seneffe, BelgiumKBO/BCE: BE 0543.579.882

JOCHMANS MENUISERIE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €57k and a net result of €46k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 46% of 36378 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).

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Checked score

Score 2024

59 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency68▲+25

Growth78▲+20

Track record100

Bankruptcy probability, 12 months

1.1% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days only on tighter terms

Liquidity ample (current ratio 1.76 against 1.31 in 2023; short-term debt: 56.7% and cash: 20.7% of total assets), but 56.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-01-2026, 166 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

166 d late

2023

43 d late

2022

65 d late

2021

31 d late

2020

31 d late

2019

89 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€332k

EBIT margin

2.0%

Net result

€46k▲ 119%

2023 · €21k

2018: €2k 2019: €12k 2020: €946 2021: €-9k 2022: €-31k 2023: €21k

2018 → 2024

Working capital

€57k▲ 310%

2023 · €14k

2018: €-6k 2019: €-27k 2020: €-18k 2021: €-15k 2022: €-21k 2023: €14k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€29k-€21k▼ 29.1%€-10k€11k€57k▲ 421%

Operating result€4k-€-7k€-28k▼ 324%€23k€57k▲ 145%

Net result€946-€-9k€-31k▼ 262%€21k€46k▲ 119%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed two years in a row; 2024 is 145% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Equity and liabilities €131k

43.3%

56.7%

Equity €57k▲ 421%

Debt €74k▲ 50.0%

The debt ratio falls from 82.0% to 56.7%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€57k▲

2023 · €43k

Cash flow

€46k▲

2023 · €41k

Solvency

43.3%▲

2023 · 18.0%

Current ratio

1.76▲

2023 · 1.31

Quick ratio

1.76▲

2023 · 1.18

Debt / equity

1.31▼

2023 · 4.55

ROE

80.8%▼

2023 · 192.4%

ROA

35.0%▲

2023 · 34.7%

Interest coverage

45.67▲

2023 · 27.70

Debt

€74k▲

2023 · €50k

Debt ≤ 1 year

€74k▲

2023 · €45k

Debt > 1 year

€0▼

2023 · €4k

Income taxes

€11k▲

2023 · €941

Staff costs

€-188▼

2023 · €3k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€60k€131k▲

Fixed assets21/28€1k€0▼

Intangible fixed assets21€0-

Tangible fixed assets22/27€1k€0▼

Plant, machinery and equipment23€1k€0▼

Furniture and vehicles24€0-

Current assets29/58€59k€131k▲

Stocks and contracts in progress3€6k€0▼

Stocks30/36€6k€0▼

Amounts receivable within one year40/41€53k€104k▲

Trade receivables40€39k€87k▲

Other amounts receivable41€14k€17k▲

Cash at bank and in hand54/58€596€27k▲

Deferred charges and accrued income490/1€50€0▼

Equity and liabilities

Total equity and liabilities10/49€60k€131k▲

Equity10/15€11k€57k▲

Contributions10/11€19k€19k=

Profit (loss) carried forward14€-8k€38k▲

Amounts payable17/49€50k€74k▲

Amounts payable after more than one year17€4k€0▼

Financial debts170/4€4k€0▼

Amounts payable within one year42/48€45k€74k▲

Current portion of amounts payable after more than one year42€2k€521▼

Financial debts43€7k€0▼

Credit institutions430/8€7k€0▼

Trade debts44€30k€43k▲

Suppliers440/4€30k€43k▲

Taxes, remuneration and social security45€1k€23k▲

Taxes450/3€1k€23k▲

Remuneration and social security454/9€383€383=

Other amounts payable47/48€5k€8k▲

Income statement Code20232024

Remuneration, social security and pensions62€3k€-188▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€0▼

Other operating charges640/8€633€417▼

Gross operating margin9900€47k€58k▲

Operating profit (loss)9901€23k€57k▲

Financial income75/76B€5€874▲

Recurring financial income75€5€874▲

Financial charges65/66B€2k€1k▼

Recurring financial charges65€2k€1k▼

Profit (loss) for the period before taxes9903€22k€57k▲

Income taxes67/77€941€11k▲

Profit (loss) for the period9904€21k€46k▲

Profit (loss) for the period to be appropriated9905€21k€46k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-8k€38k▲

Profit (loss) brought forward from the previous period14P€-29k€-8k▲

The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 14Financial 4Filings 10

2026

13-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 166 days late

2024

31-12

Financial Highest result since 2018net €46k ▲119%

Operating result €57k, net result €46k, both a record.

12-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 43 days late

2023

31-12

Financial Back to profitnet €21k

Net result €21k after 2 loss-making years.

31-12

Financial Liquidity doublescurrent ratio 1.31

Current ratio from 0.65 to 1.31; short-term debt falls from €60k to €45k.

04-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 65 days late

2022

31-12

Financial Weakest financial yearnet €-31k

Net result drops to €-31k, the lowest in the series; recovery starts the following year.

31-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 31 days late

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

2020

28-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 89 days late

2019

09-07

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

10-07

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

09-08

NBB filing Annual accounts filed

fiscal year 2016 · full schema · 9 days late

2015

06-08

NBB filing Annual accounts filed

fiscal year 2014 · full schema · 6 days late

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, Seneffe · 1 establishment unit since 2013

establishment The establishment unit on the map

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.

Rue de Courcelles 347180 Seneffe

Ground area

2,255 m²

Building footprint

106 m²

Parcel 52063D0915/00H000, Wallonia. Linked by address, not a title deed.

1 establishment unit

JOCHMANS MENUISERIE

Rue de Courcelles 34, 7180 SeneffeManufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials

since 20132.225.486.341

1 parcel

Wallonia 1 (100%)