Jofejen 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 €264k and a net result of €85k. Equity is growing by ~54.8% per year across the filed fiscal years. Its solvency ranks better than 55% of 8018 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
2 d early
2024
27 d early
2023
26 d late
2022
7 d late
2021
33 d early
2020
11 d early
2019
9 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€264k▼ 18.6%
2024 · €325k
2019: €19k
2020: €54k
2021: €98k
2022: €152k
2023: €212k
2024: €325k
2019 → 2025
Net result
€85k▼ 24.1%
2024 · €112k
2019: €17k
2020: €35k
2021: €44k
2022: €54k
2023: €60k
2024: €112k
2019 → 2025
Total assets
€460k▲ 17.4%
2024 · €392k
2019: €35k
2020: €78k
2021: €121k
2022: €172k
2023: €244k
2024: €392k
2019 → 2025
Solvency
57.5%▼ 25.4pp
2024 · 82.9%
2019: 54.8%
2020: 69.3%
2021: 81.3%
2022: 88.3%
2023: 86.8%
2024: 82.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€98k-€152k▲ 54.8%€212k▲ 39.7%€325k▲ 53.0%€264k▼ 18.6%
Operating result€61k-€80k▲ 31.1%€90k▲ 13.3%€166k▲ 83.4%€122k▼ 26.2%
Net result€44k-€54k▲ 22.9%€60k▲ 12.2%€112k▲ 86.3%€85k▼ 24.1%
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 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €460k
Fixed assets
€8k▼ 29.9%
Current assets
€452k▲ 18.9%
Equity and liabilities €460k
Equity
€264k▼ 18.6%
Debt
€196k▲ 192%
The debt ratio rises from 17.1% to 42.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
57.5%▼
2024 · 82.9%
ROE
32.3%▼
2024 · 34.6%
ROA
18.5%▼
2024 · 28.7%
Debt
€196k▲
2024 · €67k
Debt ≤ 1 year
€196k▲
2024 · €67k
Income taxes
€40k▼
2024 · €55k
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€392k€460k▲
Fixed assets21/28€12k€8k▼
Tangible fixed assets22/27€12k€8k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€8k€6k▼
Other tangible fixed assets26€1k€681▼
Current assets29/58€380k€452k▲
Amounts receivable within one year40/41€20k€1k▼
Trade receivables40€20k€0▼
Other amounts receivable41€549€1k▲
Current investments50/53€29k€29k=
Cash at bank and in hand54/58€330k€409k▲
Deferred charges and accrued income490/1-€12k
Equity and liabilities
Total equity and liabilities10/49€392k€460k▲
Equity10/15€325k€264k▼
Contributions10/11€2k€2k=
Reserves13€323k€262k▼
Distributable reserves133€323k€262k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€67k€196k▲
Amounts payable within one year42/48€67k€196k▲
Trade debts44€104€1k▲
Suppliers440/4€104€1k▲
Taxes, remuneration and social security45€67k€49k▼
Taxes450/3€67k€49k▼
Other amounts payable47/48-€146k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€642€909▲
Gross operating margin9900€169k€127k▼
Operating profit (loss)9901€166k€122k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€882€16▼
Recurring financial charges65€882€16▼
Profit (loss) for the period before taxes9903€167k€125k▼
Income taxes67/77€55k€40k▼
Profit (loss) for the period9904€112k€85k▼
Profit (loss) for the period to be appropriated9905€112k€85k▼
Appropriation of the result
Profit (loss) to be appropriated9906€112k€85k▼
Transfer from equity791/2-€146k
Transfer to equity691/2€112k€85k▼
To other reserves6921€112k€85k▼
Profit to be distributed694/7-€146k
Return on contributions (dividend)694-€146k
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €112k ▲86.3%
Operating result €166k, net result €112k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Equity above €200kEq €212k ▲39.7%
5 profitable years in a row build equity to €212k.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
31-12
Financial
Equity above €150kEq €152k ▲54.8%
4 profitable years in a row build equity to €152k.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gent · 1 establishment unit since 2018
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.
Kliniekstraat 279050 GentGround area
4,549 m²
Parcel 44362B0315/00X002, Flanders. Linked by address, not a title deed.
1 establishment unit
Jofejen
since 20182.285.681.274
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44362B0315/00X002 | Flanders | 4,549 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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,691 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-09-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.