JODA
ActiveJODA 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 €6.56M and a net result of €116k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 84% of 5487 sector peers (fiscal year 2025). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals.
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 30-06-2025 was due by 31-01-2026 and was filed on 21-01-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
4 d early
2023
1 d early
2022
29 d early
2021
33 d early
2020
39 d early
2019
51 d early
← before the deadline
after the deadline →
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 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€6.56M▲ 1.8%
2024 · €6.45M
2019: €6.37M
2020: €6.38M
2021: €6.39M
2022: €6.39M
2023: €6.40M
2024: €6.45M
2019 → 2025
Net result
€116k▲ 122%
2024 · €52k
2019: €13k
2020: €10k
2021: €21k
2022: €10k
2023: €17k
2024: €52k
2019 → 2025
Total assets
€7.39M▲ 1.5%
2024 · €7.27M
2019: €6.46M
2020: €6.46M
2021: €6.77M
2022: €6.75M
2023: €7.21M
2024: €7.27M
2019 → 2025
Solvency
88.9%▲ 0.2pp
2024 · 88.6%
2019: 98.7%
2020: 98.7%
2021: 94.3%
2022: 94.8%
2023: 88.8%
2024: 88.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6.39M-€6.39M=€6.40M▲ 0.2%€6.45M▲ 0.7%€6.56M▲ 1.8%
Operating result€30k-€25k▼ 17.4%€32k▲ 29.6%€29k▼ 8.8%€-7k
Net result€21k-€10k▼ 51.0%€17k▲ 71.5%€52k▲ 202%€116k▲ 122%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €29k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.39M
Fixed assets
€6.73M▼ 0.2%
Current assets
€653k▲ 23.6%
Equity and liabilities €7.39M
Equity
€6.56M▲ 1.8%
Debt
€822k▼ 0.5%
The debt ratio falls from 11.4% to 11.1%: equity grows while debt is paid down.
Key figures and ratios
Solvency
88.9%▲
2024 · 88.6%
ROE
1.8%▲
2024 · 0.8%
ROA
1.6%▲
2024 · 0.7%
Debt
€822k▼
2024 · €826k
Debt ≤ 1 year
€162k▲
2024 · €62k
Debt > 1 year
€619k▼
2024 · €749k
Staff costs
€104k▼
2024 · €111k
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€7.27M€7.39M▲
Fixed assets21/28€6.75M€6.73M▼
Tangible fixed assets22/27€437k€420k▼
Land and buildings22€377k€377k=
Furniture and vehicles24€60k€44k▼
Financial fixed assets28€6.31M€6.31M▲
Current assets29/58€529k€653k▲
Amounts receivable after more than one year29€8k€150k▲
Other amounts receivable291€8k€150k▲
Amounts receivable within one year40/41€508k€495k▼
Trade receivables40€46k€32k▼
Other amounts receivable41€462k€462k=
Current investments50/53-€8k
Cash at bank and in hand54/58€13k-
Deferred charges and accrued income490/1-€625
Equity and liabilities
Total equity and liabilities10/49€7.27M€7.39M▲
Equity10/15€6.45M€6.56M▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€6.35M€6.46M▲
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Distributable reserves133€6.34M€6.45M▲
Profit (loss) carried forward14€64€675▲
Amounts payable17/49€826k€822k▼
Amounts payable after more than one year17€749k€619k▼
Financial debts170/4€737k€613k▼
Other amounts payable178/9€11k€6k▼
Amounts payable within one year42/48€62k€162k▲
Current portion of amounts payable after more than one year42€24k€25k▲
Trade debts44€1k€18k▲
Suppliers440/4€1k€18k▲
Taxes, remuneration and social security45€30k€19k▼
Taxes450/3€16k€5k▼
Remuneration and social security454/9€14k€14k▲
Other amounts payable47/48€7k€100k▲
Accrued charges and deferred income492/3€16k€42k▲
Income statement
Code20242025
Remuneration, social security and pensions62€111k€104k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€16k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€154k€115k▼
Operating profit (loss)9901€29k€-7k▼
Financial income75/76B€50k€151k▲
Recurring financial income75€50k€151k▲
Financial charges65/66B€23k€28k▲
Recurring financial charges65€23k€28k▲
Profit (loss) for the period before taxes9903€56k€116k▲
Income taxes67/77€4k-
Profit (loss) for the period9904€52k€116k▲
Profit (loss) for the period to be appropriated9905€52k€116k▲
Appropriation of the result
Profit (loss) to be appropriated9906€52k€116k▲
Profit (loss) brought forward from the previous period14P€181€64▼
Transfer to equity691/2€45k€115k▲
To other reserves6921€45k€115k▲
Profit to be distributed694/7€7k-
Employees696€7k-
Social balance
Average headcount (FTE)90871.6103,852.9▲
The notes to these accounts (8 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
21-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €116k ▲122%
Net result €116k, the highest in the series.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
02-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
29-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
23-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Weakest financial yearnet €10k ▼28.8%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
2019
11-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
12-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
10-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-12
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
no sitting director, no change since 2023
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.
24-11-2023
den Hartogh Jacobus: Resigned as Director
24-11-2023
Douchy Daisy: Resigned as Director
Location & real-estate footprint
Registered office, Waasmunster · 1 establishment unit since 1993
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.
Hamstraat 749250 WaasmunsterGround area
6,979 m²
Building footprint
470 m²
Volume, LiDAR
2,189 m³
Parcel 42342C2746/00E000, Flanders · tallest building 15.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JODA NV
since 19932.063.841.581
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42342C2746/00E000 | Flanders | 6,979 m² | 1 · 470 m² | 15.3 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 801 companies in sector 64999 we hold annual accounts for 482. 128 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded09-07-1993
Fiscal year end30-06
Activities, NACEBEL
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.