JOESI

Active

Private limited companyfounded 20215 yrs activeHeppeneert 32, 3680 Maaseik, BelgiumKBO/BCE: BE 0771.632.327

JOESI has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €78k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 34% of 11206 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).

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Checked score

Score 2025

65 / 100

Healthy▼ -35 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency35▼-65

Growth58▼-20

Stability94

Bankruptcy probability, 12 months

1.4% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity tight (current ratio 1.34 against 3.04 in 2024), and 79% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

21%

Return on assets

43.7%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-05-2026, 88 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

88 d early

2024

37 d early

2023

12 d early

2022

17 d early

← before the deadline after the deadline →

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

16-09-2026 today31-12-2026 close31-07-2027 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, micro schema

Equity

€38k▼ 91.8%

2024 · €459k

2022: €52k 2023: €115k 2024: €459k

2022 → 2025

Total assets

€179k▼ 74.6%

2024 · €705k

2022: €135k 2023: €243k 2024: €705k

2022 → 2025

Net result

€78k▼ 77.2%

2024 · €344k

2022: €50k 2023: €63k 2024: €344k

2022 → 2025

Working capital

€40k▼ 91.2%

2024 · €453k

2022: €52k 2023: €111k 2024: €453k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€52k-€115k▲ 120%€459k▲ 298%€38k▼ 91.8%

Operating result€65k-€86k▲ 32.6%€461k▲ 438%€77k▼ 83.4%

Net result€50k-€63k▲ 26.2%€344k▲ 447%€78k▼ 77.2%

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

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 83% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €179k

12.1%

87.9%

Fixed assets €22k▼ 27.5%

Current assets €157k▼ 76.7%

Equity and liabilities €179k

21.0%

79.0%

Equity €38k▼ 91.8%

Debt €142k▼ 42.3%

The debt ratio rises from 34.8% to 79.0%: equity shrinks faster than debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€87k▼

2024 · €471k

Cash flow

€89k▼

2024 · €354k

Solvency

21.0%▼

2024 · 65.2%

Current ratio

1.34▼

2024 · 3.04

Quick ratio

1.34▼

2024 · 3.04

Debt / equity

3.76▲

2024 · 0.53

ROE

208.1%▲

2024 · 74.9%

ROA

43.7%▼

2024 · 48.8%

Interest coverage

7.41▼

2024 · 57.51

Debt

€142k▼

2024 · €245k

Debt ≤ 1 year

€118k▼

2024 · €222k

Debt > 1 year

€13k▼

2024 · €23k

Income taxes

€21k▼

2024 · €110k

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€705k€179k▼

Fixed assets21/28€30k€22k▼

Tangible fixed assets22/27€30k€22k▼

Furniture and vehicles24-€2k

Leasing and similar rights25€30k€20k▼

Current assets29/58€675k€157k▼

Amounts receivable within one year40/41€18k€26k▲

Trade receivables40€18k€19k▲

Other amounts receivable41€77€6k▲

Current investments50/53€575k€0▼

Cash at bank and in hand54/58€79k€125k▲

Deferred charges and accrued income490/1€2k€6k▲

Equity and liabilities

Total equity and liabilities10/49€705k€179k▼

Equity10/15€459k€38k▼

Contributions10/11€3k€3k=

Reserves13€457k€35k▼

Distributable reserves133€457k€35k▼

Profit (loss) carried forward14-€0

Amounts payable17/49€245k€142k▼

Amounts payable after more than one year17€23k€13k▼

Financial debts170/4€23k€13k▼

Amounts payable within one year42/48€222k€118k▼

Current portion of amounts payable after more than one year42€9k€10k▲

Financial debts43€399€635▲

Credit institutions430/8€399€635▲

Trade debts44€872€2k▲

Suppliers440/4€872€2k▲

Taxes, remuneration and social security45€114k€98k▼

Taxes450/3€114k€98k▼

Remuneration and social security454/9€18€0▼

Other amounts payable47/48€98k€7k▼

Accrued charges and deferred income492/3€0€11k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▲

Other operating charges640/8€2k€2k▼

Gross operating margin9900€473k€89k▼

Operating profit (loss)9901€461k€77k▼

Financial income75/76B€1k€34k▲

Recurring financial income75€1k€34k▲

Financial charges65/66B€8k€12k▲

Recurring financial charges65€8k€12k▲

Profit (loss) for the period before taxes9903€454k€99k▼

Income taxes67/77€110k€21k▼

Profit (loss) for the period9904€344k€78k▼

Profit (loss) for the period to be appropriated9905€344k€78k▼

Appropriation of the result

Profit (loss) to be appropriated9906€344k€78k▼

Transfer from equity791/2-€457k

Transfer to equity691/2€344k€35k▼

To other reserves6921€344k€35k▼

Profit to be distributed694/7-€500k

Return on contributions (dividend)694-€500k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

04-05

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

24-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2022net €344k ▲447%

Operating result €461k, net result €344k, both a record.

31-12

Financial Equity above €200kEq €459k ▲298%

3 profitable years in a row build equity to €459k.

19-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Equity above €100kEq €115k ▲120%

2 profitable years in a row build equity to €115k.

14-07

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

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, Maaseik · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Heppeneert 323680 Maaseik

Ground area

1,648 m²

Building footprint

53 m²

Parcel 72021C0448/00G000, Flanders. Linked by address, not a title deed.

1 establishment unit

JOESI

Heppeneert 32, 3680 MaaseikWholesale trade

since 20212.319.850.119

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72021C0448/00G000	Flanders	1,648 m²	1 · 53 m²	-

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.

Public money · subsidies and aid

Flemish government

2024 to 2025 · 2 entries · 1,424 EUR awarded · 1,424 EUR paid

Year	Entries	awarded	paid
2025	1	509 EUR	509 EUR
2024	1	915 EUR	915 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 1,424 EUR · 1,424 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Legal Entity Identifier

699400ZLBJHXE7U9E327

live in the LEI register

Similar companies · same sector, comparable size

Of 2,126 companies in sector 46500 we hold annual accounts for 1,403. 815 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded22-07-2021

Fiscal year end31-12

Activities, NACEBEL

46500Wholesale of information and communication equipment

46510Wholesale trade

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.