Skip to content

JODI

Active
Public limited companyfounded 199135 yrs activeBaalsebaan 172, 3120 Tremelo, BelgiumKBO/BCE: BE 0443.836.465
Summary

JODI has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15,050 and a net result of -€1,933. Equity is shrinking by ~14.9% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability31▲+3
Solvency46▼-3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.0 against 0.0 in 2024; short-term debt: 64.6% and cash: 0% of total assets), and 79% 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

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 35 years 0 40 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
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 2025
Solvency, return and age of the figures
Solvency
21%
Return on assets
-2.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-02-2026, 156 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
156 d early
2024
125 d early
2023
20 d early
2022
on the day
2021
19 d early
2020
20 d late
2019
25 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 39 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

JODI was incorporated on 18 March 1991.1 Total assets fell from EUR 107,958 in 2018 to EUR 71,777 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, abbreviated schema

Equity
€15,050▼ 11.4%
2024 · €16,983
Total assets
€71,777=
2024 · €71,777
Net result
-€1,933▲ 29.2%
2024 · -€2,731
Working capital
-€46,385▼ 4.3%
2024 · -€44,452
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€8,211▼ 5.0%-€7,350▲ 10.5%-€5,864▲ 20.2%-€2,731▲ 53.4%-€1,933▲ 29.2%
Net result-€8,211▼ 5.0%-€7,350▲ 10.5%-€5,860▲ 20.3%-€2,731▲ 53.4%-€1,933▲ 29.2%
Equity€24,857▼ 27.7%€25,574▲ 2.9%€19,714▼ 22.9%€16,983▼ 13.9%€15,050▼ 11.4%
Total assets€82,378▼ 6.5%€76,680▼ 6.9%€72,634▼ 5.3%€71,777▼ 1.2%€71,777=
Debt€39,116▲ 6.9%€40,768▲ 4.2%€42,582▲ 4.4%€44,456▲ 4.4%€46,389▲ 4.3%
Working capital-€27,145▼ 10.2%-€28,796▼ 6.1%-€42,577▼ 47.9%-€44,452▼ 4.4%-€46,385▼ 4.3%
Staff (FTE)000
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000-€7,500-€5,000-€2,500€0Operating result 2021: -€8,211-€8,211Net result 2021: -€8,211-€8,211Operating result 2022: -€7,350-€7,350Net result 2022: -€7,350-€7,350Operating result 2023: -€5,864-€5,864Net result 2023: -€5,860-€5,860Operating result 2024: -€2,731-€2,731Net result 2024: -€2,731-€2,731Operating result 2025: -€1,933-€1,933Net result 2025: -€1,933-€1,93320212022202320242025-€6,000-€4,000-€2,000€0Operating result 2023: -€5,864-€5,860Net result 2023: -€5,860-€5,860Operating result 2024: -€2,731-€2,730Net result 2024: -€2,731-€2,730Operating result 2025: -€1,933-€1,930Net result 2025: -€1,933-€1,930202320242025
The operating result stays negative: a loss of €1,933 in 2025 against €2,731 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71,777
Fixed assets €71,773 =
Current assets €4 =
Equity and liabilities €71,777
Equity €15,050 ▼ 11.4%
Provisions €10,338 =
Debt €46,389 ▲ 4.3%
Debt's share of the balance-sheet total rises from 61.9% to 64.6%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€1,933▼
2024 · -€1,874
Cash flow
-€1,933▼
2024 · -€1,874
Current ratio
0.00▼
2024 · 0.00
Debt to equity
3.08▲
2024 · 2.62
ROE
-12.8%▲
2024 · -16.1%
ROA
-2.7%▲
2024 · -3.8%
Debt ≤ 1 year
€46,389▲
2024 · €44,456
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,448 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 93% are still going.

  • Micro
  • 20 years or older
  • solvency 10 to 30%
  • a small loss
1.4% went bankrupt
5.0% stopped otherwise
93% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.7% 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%.

The companies in ten equal groups, from lowest to highest expected share.
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 2,448 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 31 lines
Balance sheet Code20242025
Assets
Total assets20/58€71,777€71,777=
Fixed assets21/28€71,773€71,773=
Tangible fixed assets22/27€71,773€71,773=
Land and buildings22€71,773€71,773=
Current assets29/58€4€4=
Cash at bank and in hand54/58€4€4=
Equity and liabilities
Total equity and liabilities10/49€71,777€71,777=
Equity10/15€16,983€15,050▼
Contributions10/11€62,000€62,000=
Capital10€62,000€62,000=
Issued capital100€62,000€62,000=
Reserves13€58,798€58,798=
Distributable reserves133€58,798€58,798=
Profit (loss) carried forward14-€103,815-€105,748▼
Provisions and deferred taxes16€10,338€10,338=
Deferred taxes168€10,338€10,338=
Amounts payable17/49€44,456€46,389▲
Amounts payable within one year42/48€44,456€46,389▲
Other amounts payable47/48€44,456€46,389▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€857€0▼
Other operating charges640/8€1,874€1,933▲
Non-recurring operating charges66A€0-
Operating profit (loss)9901-€2,731-€1,933▲
Financial income75/76B€0-
Recurring financial income75€0-
Profit (loss) for the period before taxes9903-€2,731-€1,933▲
Profit (loss) for the period9904-€2,731-€1,933▲
Profit (loss) for the period to be appropriated9905-€2,731-€1,933▲
Appropriation of the result
Profit (loss) to be appropriated9906-€103,815-€105,748▼
Profit (loss) brought forward from the previous period14P-€101,083-€103,815▼
Social balance
Average headcount (FTE)90870.00.0=

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,699€5,699€3,392€857€0▼ 100%
Other operating charges640/8€1,620€1,652€1,814€1,874€1,933▲ 3.1%
Non-recurring operating charges66A--€658€0--
Gross operating margin9900-€892€0----
Operating profit (loss)9901-€8,211-€7,350-€5,864-€2,731-€1,933▲ 29.2%
Financial income75/76B--€4€0--
Recurring financial income75--€4€0--
Profit (loss) for the period before taxes9903-€8,211-€7,350-€5,860-€2,731-€1,933▲ 29.2%
Profit (loss) for the period9904-€8,211-€7,350-€5,860-€2,731-€1,933▲ 29.2%
Profit (loss) for the period to be appropriated9905-€8,211-€7,350-€5,860-€2,731-€1,933▲ 29.2%
Line20212022202320242025Change
Assets
Total assets20/58€82,378€76,680€72,634€71,777€71,777=
Fixed assets21/28€81,720€76,022€72,629€71,773€71,773=
Tangible fixed assets22/27€81,720€76,022€72,629€71,773€71,773=
Land and buildings22€81,720€76,022€72,629€71,773€71,773=
Current assets29/58€658€658€4€4€4=
Amounts receivable within one year40/41€658€658€0---
Other amounts receivable41€658€658€0---
Cash at bank and in hand54/58--€4€4€4=
Equity and liabilities
Total equity and liabilities10/49€82,378€76,680€72,634€71,777€71,777=
Equity10/15€24,857€25,574€19,714€16,983€15,050▼ 11.4%
Contributions10/11€62,000€62,000€62,000€62,000€62,000=
Capital10€62,000€62,000€62,000€62,000€62,000=
Issued capital100€62,000€62,000€62,000€62,000€62,000=
Reserves13€50,730€58,798€58,798€58,798€58,798=
Distributable reserves133€50,730€58,798€58,798€58,798€58,798=
Profit (loss) carried forward14-€87,874-€95,224-€101,083-€103,815-€105,748▼ 1.9%
Provisions and deferred taxes16€18,405€10,338€10,338€10,338€10,338=
Deferred taxes168€18,405€10,338€10,338€10,338€10,338=
Amounts payable17/49€39,116€40,768€42,582€44,456€46,389▲ 4.3%
Amounts payable after more than one year17€11,313€11,313€0---
Other amounts payable178/9€11,313€11,313€0---
Amounts payable within one year42/48€27,803€29,455€42,582€44,456€46,389▲ 4.3%
Other amounts payable47/48€27,803€29,455€42,582€44,456€46,389▲ 4.3%
Line20212022202320242025Change
Profit (loss) for the period9904-€8,211-€7,350-€5,860-€2,731-€1,933▲ 29.2%
+ Depreciation and write-downs630€5,699€5,699€3,392€857€0▼ 100%
Operating cash flow (approximation)-€2,512-€1,652-€2,468-€1,874-€1,933▼ 3.1%
Investment in fixed assets (approximation)-€0€0€0€0-
Change in cash---€0€0-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
25-02
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-03
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-07
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
12-07
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial Weakest financial yearnet -€8,211
Net result drops to -€8,211, the lowest in the series; recovery starts the following year.
20-08
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 20 days late
2020
25-08
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
16-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-07
NBB filing Annual accounts filed
fiscal year 2016 · micro 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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Tremelo · 1 establishment unit since 1991
seat establishment The establishment unit on the map
Ground area
1,307 m²
Building footprint
227 m²
Volume, LiDAR
1,104 m³
Parcel 24109C0385/00X005, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JODI NV
Baalsebaan 172, 3120 TremeloInsurance, reinsurance and pension funding, except compulsory social security
since 19912.054.287.378
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24109C0385/00X005 Flanders 1,307 m² 1 · 227 m² 6.8 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.

Structure & network

Owners and holdings

1 owner

Chain of control

  1. Apotheek Verbist 74.96%
  2. JODI

Highest known parent: Apotheek Verbist. The sources do not say who stands above it.

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Identification & contact

Identification
Legal formPublic limited company
Founded18-03-1991
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.