JOCO LTD
ActiveSummary
JOCO LTD has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€4,121) and a net result of €13,499. Equity is growing by ~37.8% per year across the filed fiscal years. Its solvency ranks better than 19% of 11502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▼-18
Solvency22▲+12
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 12.7; short-term debt: 7.2% and cash: 66.8% of total assets), but equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
-3.2%
Return on assets
10.5%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 11502 sector peers (2025).
NBB · sector comparisonPosition among 11502 sector peers
Solvency
better than 19%
← weakest
strongest →
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 04-02-2026, 85 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
85 d early
2024
42 d early
2023
42 d early
2022
54 d early
2021
46 d early
2020
45 d early
2019
160 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 68 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 15 March (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€4,121▲ 76.6%
2024 · -€17,621
Total assets
€128,147▲ 11.1%
2024 · €115,354
Net result
€13,499▼ 71.4%
2024 · €47,257
Working capital
€108,448▼ 0.2%
2024 · €108,646
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, 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
Line20212022202320242025
Operating result€76,254▲ 306%€5,472▼ 92.8%€15,807▲ 189%€46,596▲ 195%€12,551▼ 73.1%
Net result€77,234above the sector's middle half▲ 284%€6,254within the sector's middle half▼ 91.9%€17,677within the sector's middle half▲ 183%€47,257above the sector's middle half▲ 167%€13,499within the sector's middle half▼ 71.4%
Equity-€88,809below the sector's middle half▲ 46.5%-€82,555below the sector's middle half▲ 7.0%-€64,878below the sector's middle half▲ 21.4%-€17,621below the sector's middle half▲ 72.8%-€4,121below the sector's middle half▲ 76.6%
Total assets€79,152within the sector's middle half▲ 54.6%€76,400within the sector's middle half▼ 3.5%€83,030within the sector's middle half▲ 8.7%€115,354within the sector's middle half▲ 38.9%€128,147within the sector's middle half▲ 11.1%
Debt€167,960▼ 22.7%€158,955▼ 5.4%€147,908▼ 6.9%€132,975▼ 10.1%€132,268▼ 0.5%
Working capital€63,785within the sector's middle half▲ 64.7%€59,739within the sector's middle half▼ 6.3%€71,920within the sector's middle half▲ 20.4%€108,646within the sector's middle half▲ 51.1%€108,448within the sector's middle half▼ 0.2%
Solvency-112.2%below the sector's middle half▲ 212.2pp-108.1%below the sector's middle half▲ 4.1pp-78.1%below the sector's middle half▲ 29.9pp-15.3%below the sector's middle half▲ 62.9pp-3.2%below the sector's middle half▲ 12.1pp
Current ratio9.70above the sector's middle half▲ 3.347.67above the sector's middle half▼ 2.0311.82above the sector's middle half▲ 4.1512.70above the sector's middle half
Return on assets (ROA)97.6%above the sector's middle half▲ 58.3pp8.2%within the sector's middle half▼ 89.4pp21.3%above the sector's middle half▲ 13.1pp41.0%above the sector's middle half▲ 19.7pp10.5%within the sector's middle half▼ 30.4pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, 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 falls in 2025; 2025 is 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €128,147
Fixed assets
€10,431 ▲ 81.9%
Current assets
€117,716 ▲ 7.4%
Key figures and ratios
EBITDA
€14,843▼
2024 · €48,826
Cash flow
€15,792▼
2024 · €49,487
Quick ratio
11.35▼
2024 · 93.37
Debt to equity
-32.10▼
2024 · -7.55
Interest coverage
115.11▼
2024 · 217.84
Debt ≤ 1 year
€9,268▲
2024 · €975
Debt > 1 year
€123,000▼
2024 · €132,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,798 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 91% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
2.5%
went bankrupt
5.3%
stopped otherwise
91%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,798 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,420 | €3,071 | €3,244 | €2,229 | €2,292 | ▲ 2.8% |
| Other operating charges640/8 | - | €928 | €891 | €688 | €750 | ▲ 9.0% |
| Gross operating margin9900 | €79,898 | €9,471 | €19,942 | €49,514 | €15,593 | ▼ 68.5% |
| Operating profit (loss)9901 | €76,254 | €5,472 | €15,807 | €46,596 | €12,551 | ▼ 73.1% |
| Financial income75/76B | - | €947 | €2,073 | €885 | €1,077 | ▲ 21.7% |
| Recurring financial income75 | €1,135 | €947 | €2,073 | €885 | €1,077 | ▲ 21.7% |
| Financial charges65/66B | - | €166 | €203 | €224 | €129 | ▼ 42.5% |
| Recurring financial charges65 | €155 | €166 | €203 | €224 | €129 | ▼ 42.5% |
| Profit (loss) for the period before taxes9903 | €77,234 | €6,254 | €17,677 | €47,257 | €13,499 | ▼ 71.4% |
| Profit (loss) for the period9904 | €77,234 | €6,254 | €17,677 | €47,257 | €13,499 | ▼ 71.4% |
| Profit (loss) for the period to be appropriated9905 | €77,234 | €6,254 | €17,677 | €47,257 | €13,499 | ▼ 71.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €79,152 | €76,400 | €83,030 | €115,354 | €128,147 | ▲ 11.1% |
| Fixed assets21/28 | €8,037 | €7,707 | €4,463 | €5,733 | €10,431 | ▲ 81.9% |
| Tangible fixed assets22/27 | €7,737 | €7,407 | €4,163 | €5,433 | €10,131 | ▲ 86.5% |
| Land and buildings22 | - | €1,904 | - | - | - | - |
| Plant, machinery and equipment23 | - | €306 | - | - | €523 | - |
| Furniture and vehicles24 | - | €5,196 | €3,215 | €1,935 | €920 | ▼ 52.4% |
| Other tangible fixed assets26 | - | - | €948 | €3,498 | €8,688 | ▲ 148% |
| Financial fixed assets28 | €300 | €300 | €300 | €300 | €300 | = |
| Current assets29/58 | €71,115 | €68,693 | €78,567 | €109,621 | €117,716 | ▲ 7.4% |
| Amounts receivable after more than one year29 | - | - | - | €14,210 | €4,337 | ▼ 69.5% |
| Other amounts receivable291 | - | - | - | €14,210 | €4,337 | ▼ 69.5% |
| Stocks and contracts in progress3 | €3,267 | €6,612 | €30,520 | €18,599 | €12,523 | ▼ 32.7% |
| Stocks30/36 | - | €6,612 | €30,520 | €18,599 | €12,523 | ▼ 32.7% |
| Amounts receivable within one year40/41 | €1,025 | €12,705 | €23,577 | €4,973 | €13,568 | ▲ 173% |
| Trade receivables40 | - | €10,447 | €22,912 | €4,016 | €120 | ▼ 97.0% |
| Other amounts receivable41 | - | €2,258 | €666 | €957 | €13,448 | ▲ 1,305% |
| Cash at bank and in hand54/58 | €65,481 | €47,986 | €22,940 | €70,246 | €85,632 | ▲ 21.9% |
| Deferred charges and accrued income490/1 | - | €1,391 | €1,530 | €1,593 | €1,656 | ▲ 4.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €79,152 | €76,400 | €83,030 | €115,354 | €128,147 | ▲ 11.1% |
| Equity10/15 | -€88,809 | -€82,555 | -€64,878 | -€17,621 | -€4,121 | ▲ 76.6% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €13,700 | €13,700 | €13,700 | €13,700 | €13,700 | = |
| Non-distributable reserves130/1 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Tax-exempt reserves132 | - | €7,500 | €7,500 | €7,500 | €7,500 | = |
| Profit (loss) carried forward14 | -€164,509 | -€158,255 | -€140,578 | -€93,321 | -€79,821 | ▲ 14.5% |
| Amounts payable17/49 | €167,960 | €158,955 | €147,908 | €132,975 | €132,268 | ▼ 0.5% |
| Amounts payable after more than one year17 | €160,000 | €150,000 | €140,000 | €132,000 | €123,000 | ▼ 6.8% |
| Financial debts170/4 | - | €150,000 | €140,000 | €132,000 | €123,000 | ▼ 6.8% |
| Amounts payable within one year42/48 | €7,330 | €8,955 | €6,648 | €975 | €9,268 | ▲ 851% |
| Financial debts43 | - | - | - | - | €102 | - |
| Credit institutions430/8 | - | - | - | - | €102 | - |
| Trade debts44 | €2,504 | €7,326 | €5,842 | €335 | €3,876 | ▲ 1,055% |
| Suppliers440/4 | - | €7,326 | €5,842 | €335 | €3,876 | ▲ 1,055% |
| Other amounts payable47/48 | - | €1,628 | €806 | €639 | €5,291 | ▲ 727% |
| Accrued charges and deferred income492/3 | - | - | €1,260 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €77,234 | €6,254 | €17,677 | €47,257 | €13,499 | ▼ 71.4% |
| + Depreciation and write-downs630 | €2,420 | €3,071 | €3,244 | €2,229 | €2,292 | ▲ 2.8% |
| Operating cash flow (approximation) | €79,655 | €9,324 | €20,921 | €49,487 | €15,792 | ▼ 68.1% |
| Investment in fixed assets (approximation) | - | -€2,741 | €0 | -€3,500 | -€6,990 | ▼ 99.7% |
| Change in cash | - | -€17,496 | -€25,046 | €47,306 | €15,386 | ▼ 67.5% |
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
04-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity times 10current ratio 112.45
Current ratio from 11.82 to 112.45; short-term debt falls from €6,648 to €975.
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €6,254 ▼91.9%
Net result drops to €6,254, the lowest in the series; recovery starts the following year.
15-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €77,234 ▲284%
Operating result €76,254, net result €77,234, both a record.
16-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
22-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-03
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.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Boechout · 1 establishment unit since 1996
Ground area
424 m²
Building footprint
91 m²
Volume, LiDAR
709 m³
Parcel 11004D0153/00M000, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Elektro Pro
since 19962.074.966.293
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11004D0153/00M000 | Flanders | 424 m² | 1 · 91 m² | 11.1 m · 3 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
2022 to 2024 · 3 entries · 468 EUR awarded · 468 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 123 EUR | 123 EUR |
| 2023 | 1 | 0 EUR | 345 EUR |
| 2022 | 1 | 345 EUR | 0 EUR |
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Schilde
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,277 companies in sector 46160 we hold annual accounts for 687. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded08-12-1995
Fiscal year end30-09
Activities, NACEBEL 2025
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
Contact
Phone
+32496417789Boechout
E-invoicing
Reachable via Peppol
Peppol ID
0208:0456770624
Also
9925:BE0456770624
Registered
09-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.