JOEL

Active

Private limited companyfounded 20241 yr activeMagdalenalei 24, 2930 Brasschaat, BelgiumKBO/BCE: BE 1017.834.163

JOEL 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 €49k and a net result of €-1k. Its solvency ranks better than 12% of 5487 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 5487 sector peers (2025).

NBB · sector comparison

Position among 5487 sector peers

Solvency

better than 12%

← weakest strongest →

Young company

Founded in 2024, under 3 years, statistically higher risk.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2025

1 d early

← before the deadline after the deadline →

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

Financials · fiscal year 2025, abbreviated schema

Equity

€49k

Net result

€-1k

Total assets

€539k

Solvency

9.0%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition

Assets €539k

99.1%

Fixed assets €534k

Current assets €5k

Equity and liabilities €539k

91.0%

Equity €49k

Debt €490k

Debt finances 91.0% of the balance-sheet total.

Key figures and ratios

2025 value

Solvency

9.0%

ROE

-3.0%

ROA

-0.3%

Debt

€490k

Debt ≤ 1 year

€71k

Debt > 1 year

€419k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€539k

Fixed assets21/28€534k

Tangible fixed assets22/27€5k

Furniture and vehicles24€5k

Financial fixed assets28€529k

Current assets29/58€5k

Cash at bank and in hand54/58€5k

Equity and liabilities

Total equity and liabilities10/49€539k

Equity10/15€49k

Contributions10/11€50k

Profit (loss) carried forward14€-1k

Amounts payable17/49€490k

Amounts payable after more than one year17€419k

Financial debts170/4€419k

Amounts payable within one year42/48€71k

Current portion of amounts payable after more than one year42€34k

Trade debts44€666

Suppliers440/4€666

Taxes, remuneration and social security45€3k

Taxes450/3€3k

Other amounts payable47/48€33k

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€148

Other operating charges640/8€275

Gross operating margin9900€2k

Operating profit (loss)9901€2k

Financial charges65/66B€4k

Recurring financial charges65€4k

Profit (loss) for the period before taxes9903€-1k

Profit (loss) for the period9904€-1k

Profit (loss) for the period to be appropriated9905€-1k

Appropriation of the result

Profit (loss) to be appropriated9906€-1k

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2025

30-10

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Brasschaat · 1 establishment unit since 2024

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.

Magdalenalei 242930 Brasschaat

Ground area

563 m²

Building footprint

106 m²

Volume, LiDAR

630 m³

Parcel 11324D0761/00A015, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

JOEL

Magdalenalei 24, 2930 BrasschaatComputing infrastructure, data processing, hosting and other information service activities

since 20242.368.194.721

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11324D0761/00A015	Flanders	562 m²	1 · 106 m²	11.6 m · 2 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.

Similar companies · same sector, comparable size

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BE 0791.237.116

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Of 24,640 companies in sector 64210 we hold annual accounts for 19,689. 10,313 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded23-12-2024

Fiscal year end31-03

Activities, NACEBEL

64200Holdings

64210Activities of holding companies

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.