JODIS
ActiveJODIS has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €16k. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 87% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 6.62 against 13.14 in 2024; short-term debt: 14.3% and cash: 32.9% of total assets), and 19.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
80.6%
Return on assets
10.8%
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
71 d early
2023
23 d early
2022
12 d early
2021
12 d early
2020
61 d late
2019
63 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€117k▲ 15.5%
2024 · €101k
2018: €35k
2019: €42k
2020: €54k
2021: €69k
2022: €63k
2023: €87k
2024: €101k
2018 → 2025
Total assets
€145k▲ 32.9%
2024 · €109k
2018: €55k
2019: €86k
2020: €79k
2021: €91k
2022: €84k
2023: €108k
2024: €109k
2018 → 2025
Net result
€16k▲ 12.0%
2024 · €14k
2018: €2k
2019: €8k
2020: €12k
2021: €14k
2022: €-5k
2023: €24k
2024: €14k
2018 → 2025
Working capital
€117k▲ 21.5%
2024 · €96k
2018: €30k
2019: €38k
2020: €32k
2021: €54k
2022: €54k
2023: €81k
2024: €96k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€63k▼ 8.0%€87k▲ 38.8%€101k▲ 16.0%€117k▲ 15.5%
Operating result€18k-€-4k€33k€22k▼ 34.4%€24k▲ 8.5%
Net result€14k-€-5k€24k€14k▼ 42.7%€16k▲ 12.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 8% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €145k
Fixed assets
€7k▲ 45.4%
Current assets
€138k▲ 32.2%
Equity and liabilities €145k
Equity
€117k▲ 15.5%
Debt
€28k▲ 255%
The debt ratio rises from 7.3% to 19.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€26k▲
2024 · €24k
Cash flow
€17k▲
2024 · €16k
Solvency
80.6%▼
2024 · 92.7%
Current ratio
6.62▼
2024 · 13.14
Quick ratio
4.75▼
2024 · 7.17
Debt / equity
0.24▲
2024 · 0.08
ROE
13.4%▼
2024 · 13.8%
ROA
10.8%▼
2024 · 12.8%
Interest coverage
11.74▼
2024 · 11.87
Debt
€28k▲
2024 · €8k
Debt ≤ 1 year
€21k▲
2024 · €8k
Debt > 1 year
€7k
Income taxes
€8k▲
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€109k€145k▲
Fixed assets21/28€5k€7k▲
Tangible fixed assets22/27€5k€7k▲
Land and buildings22€4k€7k▲
Plant, machinery and equipment23€610€488▼
Furniture and vehicles24€643€0▼
Financial fixed assets28€148€148=
Current assets29/58€104k€138k▲
Stocks and contracts in progress3€47k€39k▼
Stocks30/36€47k€39k▼
Amounts receivable within one year40/41€39k€49k▲
Trade receivables40€8k€14k▲
Other amounts receivable41€30k€34k▲
Cash at bank and in hand54/58€16k€48k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€109k€145k▲
Equity10/15€101k€117k▲
Contributions10/11€6k€6k=
Reserves13€95k€111k▲
Distributable reserves133€95k€111k▲
Amounts payable17/49€8k€28k▲
Amounts payable after more than one year17-€7k
Financial debts170/4-€7k
Amounts payable within one year42/48€8k€21k▲
Current portion of amounts payable after more than one year42€0€4k▲
Financial debts43-€6k
Credit institutions430/8-€6k
Trade debts44€8k€9k▲
Suppliers440/4€8k€9k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€89€2k▲
Taxes450/3€89€1k▲
Remuneration and social security454/9-€1k
Accrued charges and deferred income492/3-€370
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€3k€3k=
Gross operating margin9900€26k€28k▲
Operating profit (loss)9901€22k€24k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€22k€24k▲
Income taxes67/77€8k€8k▲
Profit (loss) for the period9904€14k€16k▲
Profit (loss) for the period to be appropriated9905€14k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€16k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€14k€16k▲
To other reserves6921€14k€16k▲
The notes to these accounts (9 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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 13.14
Current ratio from 4.92 to 13.14; short-term debt falls from €21k to €8k.
31-12
Financial
Equity above €100kEq €101k ▲16%
2 profitable years in a row build equity to €101k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-5k ▼138%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 62 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
2 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, Heers · 1 establishment unit since 1999
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.
Nieuwe Steenweg(H.) 43870 HeersGround area
2,723 m²
Building footprint
434 m²
Volume, LiDAR
3,983 m³
Parcel 73022B0286/00G000, Flanders · tallest building 15.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Nieuwe Steenweg(H.) 4, 3870 Heers
since 19992.092.956.429
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73022B0286/00G000 | Flanders | 2,723 m² | 1 · 434 m² | 15.5 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHeers2.092.956.429
Similar companies · same sector, comparable size
MDP Héritage
BE 0790.353.327
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DEBOSI
BE 0811.981.951
Koekelberg · Eq €117k
DULCE SOMNIUM
BE 0632.750.893
Brecht · Eq €117k
DELI NINOVE
BE 0439.978.934
Ninove · Eq €118k
KOBRA
BE 0736.669.666
Baelen · Eq €116k
Of 2,407 companies in sector 47241 we hold annual accounts for 1,099. 901 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-1999
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
52240
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.