Jocra Management
ActiveJocra Management is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-4k) and a net result of €-92k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 7% of 7994 sector peers (fiscal year 2025). The company has been active since 2014 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 7994 sector peers (2025).
NBB · sector comparisonPosition among 7994 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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
17 d late
2024
27 d late
2023
2 d early
2022
11 d early
2021
29 d late
2020
14 d late
2019
26 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-4k
2024 · €89k
2018: €35k
2019: €38k
2020: €56k
2021: €67k
2022: €79k
2023: €94k
2024: €89k
2018 → 2025
Net result
€-92k▼ 1,639%
2024 · €-5k
2018: €1k
2019: €3k
2020: €17k
2021: €11k
2022: €12k
2023: €15k
2024: €-5k
2018 → 2025
Total assets
€67k▼ 79.9%
2024 · €336k
2018: €87k
2019: €87k
2020: €92k
2021: €229k
2022: €224k
2023: €301k
2024: €336k
2018 → 2025
Solvency
-5.2%▼ 31.6pp
2024 · 26.4%
2018: 40.6%
2019: 44.1%
2020: 60.9%
2021: 29.2%
2022: 35.5%
2023: 31.2%
2024: 26.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€79k▲ 18.6%€94k▲ 18.3%€89k▼ 5.6%€-4k
Operating result€15k-€23k▲ 56.4%€26k▲ 9.7%€9k▼ 63.4%€-89k
Net result€11k-€12k▲ 12.5%€15k▲ 16.2%€-5k€-92k▼ 1,639%
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 2025: a loss of €89k after €9k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€31k▲ 5.2%
Current assets
€37k▼ 88.0%
Key figures and ratios
Solvency
-5.2%▼
2024 · 26.4%
ROA
-136.7%▼
2024 · -1.6%
Debt
€71k▼
2024 · €247k
Debt ≤ 1 year
€70k▼
2024 · €240k
Income taxes
€105▼
2024 · €8k
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€336k€67k▼
Fixed assets21/28€29k€31k▲
Tangible fixed assets22/27€29k€30k▲
Land and buildings22€26k€28k▲
Plant, machinery and equipment23€3k€2k▼
Financial fixed assets28€520€520=
Current assets29/58€307k€37k▼
Stocks and contracts in progress3€108k€14k▼
Stocks30/36€108k€14k▼
Amounts receivable within one year40/41€175k€8k▼
Trade receivables40€175k€4k▼
Other amounts receivable41-€5k
Cash at bank and in hand54/58€20k€12k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€336k€67k▼
Equity10/15€89k€-4k▼
Contributions10/11€12k€12k=
Reserves13€67k€67k=
Distributable reserves133€67k€67k=
Profit (loss) carried forward14€9k€-83k▼
Amounts payable17/49€247k€71k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€240k€70k▼
Current portion of amounts payable after more than one year42€5k€4k▼
Financial debts43€40k€21k▼
Credit institutions430/8€40k€21k▼
Trade debts44€86k€8k▼
Suppliers440/4€86k€8k▼
Taxes, remuneration and social security45€49k€105▼
Taxes450/3€49k€105▼
Other amounts payable47/48€60k€38k▼
Accrued charges and deferred income492/3€3k€548▼
Income statement
Code20242025
Remuneration, social security and pensions62€19k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€16k€849▼
Gross operating margin9900€48k€-85k▼
Operating profit (loss)9901€9k€-89k▼
Financial income75/76B€7k€1k▼
Recurring financial income75€167€1k▲
Non-recurring financial income76B€7k-
Financial charges65/66B€14k€4k▼
Recurring financial charges65€10k€4k▼
Non-recurring financial charges66B€4k-
Profit (loss) for the period before taxes9903€3k€-92k▼
Income taxes67/77€8k€105▼
Profit (loss) for the period9904€-5k€-92k▼
Profit (loss) for the period to be appropriated9905€-5k€-92k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-83k▼
Profit (loss) brought forward from the previous period14P€15k€9k▼
The notes to these accounts (6 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Weakest financial yearnet €-92k
Net result drops to €-92k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
14-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 14 days late
2020
31-12
Financial
Highest result since 2018net €17k ▲447%
Net result €17k, the highest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
29-02-2024
Matthias Bex: Resigned as Director
17-01-2018
Crahay Joke: Resigned as Manager
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 2014
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.
Nieuwstraat 1853511 HasseltGround area
975 m²
Building footprint
327 m²
Volume, LiDAR
1,809 m³
Parcel 71032B0621/00L000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jocra Management
since 20142.231.936.742
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71032B0621/00L000 | Flanders | 975 m² | 1 · 327 m² | 8.1 m · 2 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 24,727 companies in sector 64210 we hold annual accounts for 19,754. 12,026 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.