JoDa
ActiveSummary
JoDa has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€101,262) and a net result of €39,353. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 8% of 11502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.48 against 0.19 in 2024; short-term debt: 111.5% and cash: 26.9% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-139.8%
Return on assets
54.3%
Age of the figures
18 mo
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 →
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 11502 sector peers (2025).
NBB · sector comparisonPosition among 11502 sector peers
Solvency
better than 8%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-11-2025, 20 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
20 d late
2024
8 d late
2022
30 d late
2020
12 d late
2019
8 d early
2018
26 d late
2017
52 d late
← 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 20 days after 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close28-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€101,262▲ 28.0%
2024 · -€140,615
Total assets
€72,438▲ 15.1%
2024 · €62,935
Net result
€39,353▼ 0.1%
2024 · €39,374
Working capital
-€41,942▲ 49.2%
2024 · -€82,561
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
Line20192020202220242025
Operating result-€97,268-€38,637€45,629-€42,312-€42,336▲ 0.1%
Net result-€104,188-€32,958above the sector's middle half€42,240above the sector's middle half-€39,374above the sector's middle half-€39,353above the sector's middle half▼ 0.1%
Equity-€323,299--€290,341below the sector's middle half▲ 10.2%-€218,506below the sector's middle half--€140,615below the sector's middle half--€101,262below the sector's middle half▲ 28.0%
Total assets€7,670-€12,101below the sector's middle half▲ 57.8%€18,559below the sector's middle half-€62,935below the sector's middle half-€72,438within the sector's middle half▲ 15.1%
Debt€330,970-€302,442▼ 8.6%€237,065-€203,550-€173,700▼ 14.7%
Working capital-€210,495--€192,610below the sector's middle half▲ 8.5%-€139,143below the sector's middle half--€82,561below the sector's middle half--€41,942below the sector's middle half▲ 49.2%
Solvency-223.4%below the sector's middle half--139.8%below the sector's middle half▲ 83.6pp
Current ratio0.04-0.05below the sector's middle half▲ 0.020.11below the sector's middle half-0.19below the sector's middle half-0.48below the sector's middle half▲ 0.29
Return on assets (ROA)272.4%above the sector's middle half227.6%above the sector's middle half-62.6%above the sector's middle half-54.3%above the sector's middle half▼ 8.2pp
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 rises in 2025; 2025 is 0% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72,438
Fixed assets
€33,611 ▼ 21.9%
Current assets
€38,827 ▲ 95.1%
Key figures and ratios
EBITDA
€51,759▲
2024 · €45,649
Cash flow
€48,776▲
2024 · €42,710
Debt to equity
-1.72▼
2024 · -1.45
Interest coverage
22.20▲
2024 · 16.44
Debt ≤ 1 year
€80,769▼
2024 · €102,462
Debt > 1 year
€92,931▼
2024 · €99,182
Income taxes
€651▲
2024 · €163
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,640 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit of 5% of the balance sheet or more
2.7%
went bankrupt
4.9%
stopped otherwise
92%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% over twelve months; the group does not contradict it.
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 3,640 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 | 2019 | 2020 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €516 | €85 | €3,337 | €9,423 | ▲ 182% |
| Other operating charges640/8 | - | - | €159 | €62 | €62 | = |
| Gross operating margin9900 | -€26,935 | €39,215 | €45,872 | €45,711 | €51,821 | ▲ 13.4% |
| Operating profit (loss)9901 | -€97,268 | €38,637 | €45,629 | €42,312 | €42,336 | ▲ 0.1% |
| Financial income75/76B | - | - | €6 | - | - | - |
| Recurring financial income75 | €213 | €12 | €6 | - | - | - |
| Financial charges65/66B | - | - | €3,395 | €2,776 | €2,332 | ▼ 16.0% |
| Recurring financial charges65 | €7,132 | €5,691 | €3,395 | €2,776 | €2,332 | ▼ 16.0% |
| Profit (loss) for the period before taxes9903 | -€104,188 | €32,958 | €42,240 | €39,536 | €40,004 | ▲ 1.2% |
| Income taxes67/77 | - | - | - | €163 | €651 | ▲ 300% |
| Profit (loss) for the period9904 | -€104,188 | €32,958 | €42,240 | €39,374 | €39,353 | ▼ 0.1% |
| Profit (loss) for the period to be appropriated9905 | -€104,188 | €32,958 | €42,240 | €39,374 | €39,353 | ▼ 0.1% |
| Line | 2019 | 2020 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €7,670 | €12,101 | €18,559 | €62,935 | €72,438 | ▲ 15.1% |
| Fixed assets21/28 | - | €1,894 | €2,091 | €43,034 | €33,611 | ▼ 21.9% |
| Tangible fixed assets22/27 | - | €1,894 | €2,091 | €43,034 | €33,611 | ▼ 21.9% |
| Plant, machinery and equipment23 | - | - | - | €0 | €0 | - |
| Furniture and vehicles24 | - | - | €2,091 | €2,278 | €1,523 | ▼ 33.2% |
| Leasing and similar rights25 | - | - | - | €40,755 | €32,088 | ▼ 21.3% |
| Current assets29/58 | €7,670 | €10,206 | €16,468 | €19,901 | €38,827 | ▲ 95.1% |
| Stocks and contracts in progress3 | €1,393 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €3,082 | €10,026 | €8,762 | €3,676 | €19,357 | ▲ 427% |
| Trade receivables40 | - | - | €8,630 | €3,544 | €19,225 | ▲ 442% |
| Other amounts receivable41 | - | - | €132 | €132 | €132 | = |
| Cash at bank and in hand54/58 | €3,195 | €180 | €7,679 | €14,291 | €19,452 | ▲ 36.1% |
| Deferred charges and accrued income490/1 | - | - | €28 | €1,934 | €18 | ▼ 99.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €7,670 | €12,101 | €18,559 | €62,935 | €72,438 | ▲ 15.1% |
| Equity10/15 | -€323,299 | -€290,341 | -€218,506 | -€140,615 | -€101,262 | ▲ 28.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€341,899 | -€308,941 | -€237,106 | -€159,215 | -€119,862 | ▲ 24.7% |
| Amounts payable17/49 | €330,970 | €302,442 | €237,065 | €203,550 | €173,700 | ▼ 14.7% |
| Amounts payable after more than one year17 | €112,805 | €99,625 | €81,454 | €99,182 | €92,931 | ▼ 6.3% |
| Financial debts170/4 | - | - | €81,454 | €99,182 | €92,931 | ▼ 6.3% |
| Amounts payable within one year42/48 | €218,165 | €202,817 | €155,611 | €102,462 | €80,769 | ▼ 21.2% |
| Current portion of amounts payable after more than one year42 | - | - | €50,141 | €15,805 | €7,545 | ▼ 52.3% |
| Trade debts44 | €1,818 | €2,482 | €256 | €1,288 | €2,782 | ▲ 116% |
| Suppliers440/4 | - | - | €256 | €1,288 | €2,782 | ▲ 116% |
| Taxes, remuneration and social security45 | - | - | €4,999 | €4,100 | €7,412 | ▲ 80.8% |
| Taxes450/3 | - | - | €4,999 | €4,100 | €7,412 | ▲ 80.8% |
| Other amounts payable47/48 | - | - | €100,216 | €81,269 | €63,031 | ▼ 22.4% |
| Accrued charges and deferred income492/3 | - | - | - | €1,906 | - | - |
| Line | 2019 | 2020 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€104,188 | €32,958 | €42,240 | €39,374 | €39,353 | ▼ 0.1% |
| + Depreciation and write-downs630 | - | €516 | €85 | €3,337 | €9,423 | ▲ 182% |
| Operating cash flow (approximation) | -€104,188 | €33,475 | €42,325 | €42,710 | €48,776 | ▲ 14.2% |
| Investment in fixed assets (approximation) | - | - | - | - | €0 | - |
| Change in cash | - | -€3,015 | - | - | €5,161 | - |
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
2025
20-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2024
08-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
31-03
Financial
Highest result since 2019net €42,240 ▲28.2%
Operating result €45,629, net result €42,240, both a record.
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
31-03
Financial
Back to profitnet €32,958
Net result €32,958 after one loss-making year.
2019
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 52 days late
2016
18-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 days late
2015
06-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2014
22-10
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Hasselt · 1 establishment unit since 2012
Ground area
172 m²
Building footprint
128 m²
Volume, LiDAR
1,082 m³
Parcel 71022H0997/00A000, Flanders · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Diesterstraat 5, 3500 Hasselt
since 20122.206.237.680
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71022H0997/00A000 | Flanders | 172 m² | 1 · 128 m² | 13.8 m · 4 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.
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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 94 companies in sector 46424 we hold annual accounts for 44. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-01-2012
Fiscal year end31-03
Activities, NACEBEL 2025
46424Wholesale trade
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47721Retail sale of footwear
47722Retail trade
73110Advertising agencies
74120Graphic design and visual communication
E-invoicing
Reachable via Peppol
Peppol ID
0208:0842858734
Also
9925:BE0842858734
Registered
19-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.