JOESIE
ActiveThe computed 12-month bankruptcy probability of JOESIE is 2.0% (moderate). The 2025 annual accounts show equity of €25k and a net result of €21k. Its solvency ranks better than 65% of 7431 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+30
Solvency83▲+49
Growth78
Track record82
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.33 against 1.06 in 2024; short-term debt: 42.3% and cash: 34% of total assets), and 42.3% 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
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 41
Relative position
BE, all sectors
reference
Sector 41
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
57.7%
Return on assets
50.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 d early
2024
11 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k▲ 658%
2024 · €3k
2024: €3k
2024 → 2025
Total assets
€43k▲ 14.4%
2024 · €37k
2024: €37k
2024 → 2025
Net result
€21k▲ 8,930%
2024 · €236
2024: €236
2024 → 2025
Working capital
€24k▲ 1,048%
2024 · €2k
2024: €2k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€3k-€25k▲ 658%
Operating result€2k-€29k▲ 1,342%
Net result€236-€21k▲ 8,930%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 1,342% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€660▼ 42.9%
Current assets
€42k▲ 16.3%
Equity and liabilities €43k
Equity
€25k▲ 658%
Debt
€18k▼ 47.0%
The debt ratio falls from 91.3% to 42.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29k▲
2024 · €2k
Cash flow
€22k▲
2024 · €569
Solvency
57.7%▲
2024 · 8.7%
Current ratio
2.33▲
2024 · 1.06
Quick ratio
2.33▲
2024 · 1.06
Debt / equity
0.73▼
2024 · 10.49
ROE
86.8%▲
2024 · 7.3%
ROA
50.1%▲
2024 · 0.6%
Interest coverage
18.62▲
2024 · 16.49
Debt
€18k▼
2024 · €34k
Debt ≤ 1 year
€18k▼
2024 · €34k
Income taxes
€6k▲
2024 · €2k
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€37k€43k▲
Fixed assets21/28€1k€660▼
Tangible fixed assets22/27€1k€660▼
Plant, machinery and equipment23€1k€660▼
Current assets29/58€36k€42k▲
Amounts receivable within one year40/41-€18k
Trade receivables40-€18k
Cash at bank and in hand54/58€26k€14k▼
Deferred charges and accrued income490/1€10k€9k▼
Equity and liabilities
Total equity and liabilities10/49€37k€43k▲
Equity10/15€3k€25k▲
Contributions10/11€3k€3k=
Reserves13€200€200=
Distributable reserves133€200€200=
Profit (loss) carried forward14€36€21k▲
Amounts payable17/49€34k€18k▼
Amounts payable within one year42/48€34k€18k▼
Trade debts44€21k€247▼
Suppliers440/4€21k€247▼
Taxes, remuneration and social security45€7k€12k▲
Taxes450/3€7k€12k▲
Other amounts payable47/48€5k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€333€496▲
Other operating charges640/8€434€563▲
Gross operating margin9900€3k€30k▲
Operating profit (loss)9901€2k€29k▲
Financial income75/76B€0€0=
Recurring financial income75€0€0=
Financial charges65/66B€141€2k▲
Recurring financial charges65€141€2k▲
Profit (loss) for the period before taxes9903€2k€27k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€236€21k▲
Profit (loss) for the period to be appropriated9905€236€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€236€21k▲
Profit (loss) brought forward from the previous period14P-€36
Transfer to equity691/2€200-
To other reserves6921€200-
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity doublescurrent ratio 2.33
Current ratio from 1.06 to 2.33; short-term debt falls from €34k to €18k.
19-04
NBB filing
Annual accounts filed
fiscal year 2024 · 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, Aalter · 1 establishment unit since 2023
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.
Nevelestraat 129880 AalterGround area
1,372 m²
Building footprint
127 m²
Volume, LiDAR
698 m³
Parcel 44035B1297/00K000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOESIE
since 20232.353.659.666
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44035B1297/00K000 | Flanders | 1,372 m² | 1 · 127 m² | 9.2 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.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,033 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-11-2023
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.