JODACO
ActiveSummary
JODACO has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €209,790 and a net result of €16,384. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 37% of 12788 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-5
Solvency68▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.18 in 2024; short-term debt: 38.2% and cash: 2% of total assets), and 57.5% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
42.5%
Return on assets
3.3%
Age of the figures
12 mo
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 09-04-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
28 d early
2023
91 d early
2022
90 d early
2021
89 d early
2020
113 d early
2019
92 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 75 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€209,790▲ 8.5%
2024 · €193,407
Total assets
€493,379▲ 1.4%
2024 · €486,573
Net result
€16,384▼ 55.1%
2024 · €36,452
Working capital
€16,303▼ 48.1%
2024 · €31,402
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, 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€34,126▲ 93.1%€28,576▼ 16.3%€72,287▲ 153%€61,636▼ 14.7%€32,296▼ 47.6%
Net result€13,881within the sector's middle half▲ 75.5%€16,898within the sector's middle half▲ 21.7%€47,931within the sector's middle half▲ 184%€36,452within the sector's middle half▼ 23.9%€16,384within the sector's middle half▼ 55.1%
Equity€92,926within the sector's middle half▲ 17.6%€109,824within the sector's middle half▲ 18.2%€157,755within the sector's middle half▲ 43.6%€193,407within the sector's middle half▲ 22.6%€209,790within the sector's middle half▲ 8.5%
Total assets€401,827within the sector's middle half▼ 1.4%€457,670within the sector's middle half▲ 13.9%€484,568within the sector's middle half▲ 5.9%€486,573above the sector's middle half▲ 0.4%€493,379above the sector's middle half▲ 1.4%
Debt€294,785▼ 7.0%€326,230▲ 10.7%€307,697▼ 5.7%€269,051▼ 12.6%€266,973▼ 0.8%
Working capital-€111,506▼ 3.9%-€164,326▼ 47.4%-€1,470▲ 99.1%€31,402€16,303▼ 48.1%
Solvency23.1%below the sector's middle half▲ 3.7pp24.0%below the sector's middle half▲ 0.9pp32.6%within the sector's middle half▲ 8.6pp39.7%within the sector's middle half▲ 7.2pp42.5%within the sector's middle half▲ 2.8pp
Staff (FTE)3.4▼ 2.9%2.6▼ 23.5%2.9▲ 11.5%3.8▲ 31.0%4.6▲ 21.1%
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, 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 has fallen two years in a row; 2025 is 48% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €493,379
Fixed assets
€288,545 ▲ 4.1%
Current assets
€204,835 ▼ 2.2%
Equity and liabilities €493,379
Equity
€209,790 ▲ 8.5%
Provisions
€16,616 ▼ 31.1%
Debt
€266,973 ▼ 0.8%
Debt's share of the balance-sheet total falls from 55.3% to 54.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75,617▼
2024 · €107,026
Cash flow
€59,705▼
2024 · €81,842
Current ratio
1.09▼
2024 · 1.18
Debt to equity
1.27▼
2024 · 1.39
ROE
7.8%▼
2024 · 18.8%
ROA
3.3%▼
2024 · 7.5%
Interest coverage
10.62▼
2024 · 10.83
Debt ≤ 1 year
€188,532▲
2024 · €178,017
Debt > 1 year
€78,442▼
2024 · €91,034
Income taxes
€8,894▼
2024 · €15,425
Staff costs
€231,424▲
2024 · €163,816
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,058 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% | 1.6% |
| 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 74% 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 16,986 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €118,432 | €108,514 | €163,816 | €231,424 | ▲ 41.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21,162 | €37,129 | €43,093 | €45,390 | €43,321 | ▼ 4.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €1,331 | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €7,500 | -€2,500 | €5,000 | -€7,500 | ▼ 250% |
| Other operating charges640/8 | - | €3,772 | €4,194 | €8,733 | €5,282 | ▼ 39.5% |
| Non-recurring operating charges66A | - | €72 | - | - | - | - |
| Gross operating margin9900 | €226,395 | €195,481 | €225,589 | €284,575 | €306,154 | ▲ 7.6% |
| Operating profit (loss)9901 | €34,126 | €28,576 | €72,287 | €61,636 | €32,296 | ▼ 47.6% |
| Financial income75/76B | - | €8 | €5 | €121 | €102 | ▼ 15.6% |
| Recurring financial income75 | €7 | €8 | €5 | €121 | €102 | ▼ 15.6% |
| Financial charges65/66B | - | €4,324 | €8,192 | €9,881 | €7,120 | ▼ 27.9% |
| Recurring financial charges65 | €9,061 | €4,324 | €8,192 | €9,881 | €7,120 | ▼ 27.9% |
| Profit (loss) for the period before taxes9903 | €25,073 | €24,261 | €64,100 | €51,876 | €25,278 | ▼ 51.3% |
| Income taxes67/77 | €11,192 | €7,363 | €16,168 | €15,425 | €8,894 | ▼ 42.3% |
| Profit (loss) for the period9904 | €13,881 | €16,898 | €47,931 | €36,452 | €16,384 | ▼ 55.1% |
| Profit (loss) for the period to be appropriated9905 | €13,881 | €16,898 | €47,931 | €36,452 | €16,384 | ▼ 55.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €401,827 | €457,670 | €484,568 | €486,573 | €493,379 | ▲ 1.4% |
| Fixed assets21/28 | €289,251 | €338,517 | €319,491 | €277,154 | €288,545 | ▲ 4.1% |
| Intangible fixed assets21 | - | €60,000 | €45,000 | €30,000 | €15,000 | ▼ 50.0% |
| Tangible fixed assets22/27 | €289,251 | €278,517 | €274,491 | €247,154 | €273,545 | ▲ 10.7% |
| Land and buildings22 | - | €202,897 | €194,773 | €186,974 | €179,262 | ▼ 4.1% |
| Plant, machinery and equipment23 | - | €33,976 | €49,561 | €41,357 | €35,034 | ▼ 15.3% |
| Furniture and vehicles24 | - | €6,690 | €3,429 | €1,306 | €501 | ▼ 61.6% |
| Leasing and similar rights25 | - | €3,687 | €1,355 | - | €44,475 | - |
| Other tangible fixed assets26 | - | €31,267 | €25,372 | €17,518 | €14,273 | ▼ 18.5% |
| Current assets29/58 | €112,575 | €119,153 | €165,077 | €209,419 | €204,835 | ▼ 2.2% |
| Amounts receivable within one year40/41 | €106,275 | €113,345 | €155,581 | €195,161 | €194,453 | ▼ 0.4% |
| Trade receivables40 | - | €86,207 | €108,788 | €136,200 | €157,720 | ▲ 15.8% |
| Other amounts receivable41 | - | €27,138 | €46,794 | €58,961 | €36,733 | ▼ 37.7% |
| Current investments50/53 | €306 | €306 | €306 | €306 | €306 | = |
| Cash at bank and in hand54/58 | €5,592 | €5,429 | €8,459 | €13,787 | €10,076 | ▼ 26.9% |
| Deferred charges and accrued income490/1 | - | €72 | €731 | €166 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €401,827 | €457,670 | €484,568 | €486,573 | €493,379 | ▲ 1.4% |
| Equity10/15 | €92,926 | €109,824 | €157,755 | €193,407 | €209,790 | ▲ 8.5% |
| Contributions10/11 | - | €6,205 | €6,205 | €6,205 | €6,205 | = |
| Reserves13 | €53,613 | €68,613 | €93,613 | €123,613 | €139,997 | ▲ 13.3% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | - | €24,255 | €24,255 | €24,255 | €24,255 | = |
| Distributable reserves133 | - | €42,498 | €67,498 | €97,498 | €113,882 | ▲ 16.8% |
| Profit (loss) carried forward14 | €33,108 | €35,005 | €57,937 | €63,588 | €63,588 | = |
| Provisions and deferred taxes16 | €14,116 | €21,616 | €19,116 | €24,116 | €16,616 | ▼ 31.1% |
| Provisions for liabilities and charges160/5 | - | €20,000 | €17,500 | €22,500 | €15,000 | ▼ 33.3% |
| Major repairs and maintenance162 | - | €20,000 | €17,500 | €22,500 | €15,000 | ▼ 33.3% |
| Deferred taxes168 | - | €1,616 | €1,616 | €1,616 | €1,616 | = |
| Amounts payable17/49 | €294,785 | €326,230 | €307,697 | €269,051 | €266,973 | ▼ 0.8% |
| Amounts payable after more than one year17 | €70,704 | €42,752 | €141,151 | €91,034 | €78,442 | ▼ 13.8% |
| Financial debts170/4 | - | €42,752 | €141,151 | €91,034 | €78,442 | ▼ 13.8% |
| Amounts payable within one year42/48 | €224,082 | €283,478 | €166,546 | €178,017 | €188,532 | ▲ 5.9% |
| Current portion of amounts payable after more than one year42 | - | €44,939 | €56,129 | €52,973 | €50,936 | ▼ 3.8% |
| Financial debts43 | - | €65,000 | €25,000 | €25,000 | €25,000 | = |
| Other loans439 | - | €65,000 | €25,000 | €25,000 | €25,000 | = |
| Trade debts44 | €33,130 | €129,340 | €53,515 | €59,435 | €54,738 | ▼ 7.9% |
| Suppliers440/4 | - | €129,340 | €53,515 | €59,435 | €54,738 | ▼ 7.9% |
| Advances received on contracts in progress46 | - | - | - | - | €6,600 | - |
| Taxes, remuneration and social security45 | - | €38,024 | €27,852 | €33,769 | €51,018 | ▲ 51.1% |
| Taxes450/3 | - | €23,108 | €5,615 | €2,970 | €15,934 | ▲ 437% |
| Remuneration and social security454/9 | - | €14,916 | €22,237 | €30,800 | €35,084 | ▲ 13.9% |
| Other amounts payable47/48 | - | €6,175 | €4,050 | €6,840 | €240 | ▼ 96.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,881 | €16,898 | €47,931 | €36,452 | €16,384 | ▼ 55.1% |
| + Depreciation and write-downs630 | €21,162 | €37,129 | €43,093 | €45,390 | €43,321 | ▼ 4.6% |
| Operating cash flow (approximation) | €35,044 | €54,027 | €91,025 | €81,842 | €59,705 | ▼ 27.0% |
| Investment in fixed assets (approximation) | - | -€86,395 | -€24,067 | -€3,053 | -€54,712 | ▼ 1,692% |
| Change in cash | - | -€163 | €3,030 | €5,328 | -€3,710 | ▼ 170% |
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
09-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €200,000Eq €209,790 ▲8.5%
8 profitable years in a row build equity to €209,790.
02-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €47,931 ▲184%
Operating result €72,287, net result €47,931, both a record.
30-09
Financial
Equity above €150,000Eq €157,755 ▲43.6%
6 profitable years in a row build equity to €157,755.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €100,000Eq €109,824 ▲18.2%
5 profitable years in a row build equity to €109,824.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €4,323 ▼51.4%
Net result drops to €4,323, the lowest in the series; recovery starts the following year.
Show earlier events
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-01
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 7 acts read
About the unread acts
We know of 7 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
7 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, Diepenbeek · 1 establishment unit since 2008
Ground area
907 m²
Building footprint
151 m²
Volume, LiDAR
1,048 m³
Parcel 71402C0010/00M059, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zandstraat 83, 3590 Diepenbeek
since 20082.196.078.812
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71402C0010/00M059 | Flanders | 907 m² | 1 · 151 m² | 11.4 m · 2 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 2025 · 4 entries · 1,418 EUR awarded · 1,418 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 195 EUR | 627 EUR |
| 2024 | 1 | 432 EUR | 0 EUR |
| 2023 | 1 | 486 EUR | 671 EUR |
| 2022 | 1 | 305 EUR | 120 EUR |
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 6,338 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-10-1997
Fiscal year end30-09
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0461761966
Registered
24-11-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.