JOEPI CONSULT
ActiveJOEPI CONSULT has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €165k. Equity is growing by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 37% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency69▼-31
Growth58▲+6
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 35.37 in 2024; short-term debt: 55.7% and cash: 97.4% of total assets), but 55.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
44.3%
Return on assets
64.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 4 filingsDeviation from the deadline
2025
27 d late
2024
7 d early
2023
28 d late
2022
39 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▼ 65.6%
2024 · €328k
2022: €120k
2023: €228k
2024: €328k
2022 → 2025
Total assets
€255k▼ 24.6%
2024 · €338k
2022: €170k
2023: €279k
2024: €338k
2022 → 2025
Net result
€165k▲ 64.2%
2024 · €100k
2022: €117k
2023: €108k
2024: €100k
2022 → 2025
Working capital
€112k▼ 65.7%
2024 · €327k
2022: €120k
2023: €229k
2024: €327k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€120k-€228k▲ 90.8%€328k▲ 44.0%€113k▼ 65.6%
Operating result€159k-€147k▼ 7.5%€125k▼ 14.8%€231k▲ 84.6%
Net result€117k-€108k▼ 7.3%€100k▼ 7.6%€165k▲ 64.2%
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 85% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €255k
Fixed assets
€961▼ 44.9%
Current assets
€254k▼ 24.5%
Equity and liabilities €255k
Equity
€113k▼ 65.6%
Debt
€142k▲ 1,392%
The debt ratio rises from 2.8% to 55.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€231k▲
2024 · €125k
Cash flow
€165k▲
2024 · €101k
Solvency
44.3%▼
2024 · 97.2%
Current ratio
1.79▼
2024 · 35.37
Quick ratio
1.79▼
2024 · 35.37
Debt / equity
1.25▲
2024 · 0.03
ROE
145.8%▲
2024 · 30.5%
ROA
64.7%▲
2024 · 29.7%
Interest coverage
201.34▲
2024 · 192.45
Debt
€142k▲
2024 · €9k
Debt ≤ 1 year
€142k▲
2024 · €9k
Income taxes
€65k▲
2024 · €29k
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€338k€255k▼
Fixed assets21/28€2k€961▼
Tangible fixed assets22/27€2k€961▼
Furniture and vehicles24€2k€961▼
Current assets29/58€336k€254k▼
Amounts receivable after more than one year29€121k-
Other amounts receivable291€121k-
Amounts receivable within one year40/41€22k€6k▼
Trade receivables40€15k-
Other amounts receivable41€7k€6k▼
Cash at bank and in hand54/58€192k€248k▲
Deferred charges and accrued income490/1€685-
Equity and liabilities
Total equity and liabilities10/49€338k€255k▼
Equity10/15€328k€113k▼
Contributions10/11€3k€3k=
Reserves13-€110k
Distributable reserves133-€110k
Profit (loss) carried forward14€326k-
Amounts payable17/49€9k€142k▲
Amounts payable within one year42/48€9k€142k▲
Trade debts44€2k€947▼
Suppliers440/4€2k€947▼
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€5k▼
Other amounts payable47/48-€136k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€470€783▲
Other operating charges640/8€775€602▼
Gross operating margin9900€126k€232k▲
Operating profit (loss)9901€125k€231k▲
Financial income75/76B€5k-
Recurring financial income75€5k-
Financial charges65/66B€652€1k▲
Recurring financial charges65€652€1k▲
Profit (loss) for the period before taxes9903€130k€229k▲
Income taxes67/77€29k€65k▲
Profit (loss) for the period9904€100k€165k▲
Profit (loss) for the period to be appropriated9905€100k€165k▲
Appropriation of the result
Profit (loss) to be appropriated9906€326k€490k▲
Profit (loss) brought forward from the previous period14P€225k€326k▲
Transfer to equity691/2-€110k
To other reserves6921-€110k
Profit to be distributed694/7-€380k
Return on contributions (dividend)694-€380k
The notes to these accounts (4 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2022net €165k ▲64.2%
Operating result €231k, net result €165k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €100k ▼7.6%
Net result drops to €100k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 6current ratio 35.37
Current ratio from 5.71 to 35.37; short-term debt falls from €49k to €9k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Equity above €200kEq €228k ▲90.8%
2 profitable years in a row build equity to €228k.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Elsene · 1 establishment unit since 2022
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.
Boondaalse Steenweg 232 M1050 ElseneGround area
273 m²
Building footprint
77 m²
Volume, LiDAR
763 m³
Parcel 21443C0237/00G008, Brussels · tallest building 13.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
JOEPI CONSULT
since 20222.328.070.175
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21443C0237/00G008 | Brussels | 273 m² | 1 · 77 m² | 13.3 m · 4 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.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,541 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2022
Fiscal year end31-12
Activities, NACEBEL
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.