JOFFLY
ActiveJOFFLY has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70k and a net result of €15k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 46% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+2
Solvency50▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.23 against 0.12 in 2024; short-term debt: 75.1% and cash: 10.1% of total assets), and 75.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
24.9%
Return on assets
5.3%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
3 d early
2023
6 d early
2022
46 d early
2021
2 d early
2020
38 d early
2019
28 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
Turnover
€94k▼ 38.8%
2020 · €153k
2018: €127k
2019: €152k
2020: €153k
2018 → 2021
EBIT margin
-0.5%▲ 14.9pp
2020 · -15.4%
2018: -7.4%
2019: 28.7%
2020: -15.4%
2018 → 2021
Net result
€15k▲ 59.5%
2024 · €9k
2018: €-14k
2019: €32k
2020: €-27k
2021: €-7k
2022: €4k
2023: €7k
2024: €9k
2018 → 2025
Working capital
€-160k▲ 13.0%
2024 · €-184k
2018: €-108k
2019: €-88k
2020: €-122k
2021: €-144k
2022: €-151k
2023: €-149k
2024: €-184k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€94k-
Equity€34k-€38k▲ 12.0%€46k▲ 18.5%€55k▲ 20.2%€70k▲ 26.8%
Operating result€-430-€356€12k▲ 3,193%€16k▲ 36.4%€23k▲ 45.8%
Net result€-7k-€4k€7k▲ 72.8%€9k▲ 29.6%€15k▲ 59.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 46% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €279k
Fixed assets
€230k▼ 3.9%
Current assets
€49k▲ 98.1%
Equity and liabilities €279k
Equity
€70k▲ 26.8%
Debt
€209k▲ 0.1%
The debt ratio falls from 79.2% to 75.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€33k▲
2024 · €25k
Cash flow
€24k▲
2024 · €18k
Solvency
24.9%▲
2024 · 20.8%
Current ratio
0.23▲
2024 · 0.12
Quick ratio
0.23▲
2024 · 0.12
Debt / equity
3.01▼
2024 · 3.81
ROE
21.1%▲
2024 · 16.8%
ROA
5.3%▲
2024 · 3.5%
Interest coverage
230.34▲
2024 · 18.87
Debt
€209k▲
2024 · €209k
Debt ≤ 1 year
€209k▲
2024 · €209k
Income taxes
€8k▲
2024 · €5k
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€264k€279k▲
Fixed assets21/28€239k€230k▼
Tangible fixed assets22/27€239k€230k▼
Land and buildings22€239k€230k▼
Plant, machinery and equipment23€131€87▼
Current assets29/58€25k€49k▲
Amounts receivable within one year40/41€21k€21k▼
Trade receivables40€18k€18k▼
Other amounts receivable41€3k€3k▼
Cash at bank and in hand54/58€4k€28k▲
Equity and liabilities
Total equity and liabilities10/49€264k€279k▲
Equity10/15€55k€70k▲
Contributions10/11€19k€19k=
Reserves13€35k€50k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€34k€48k▲
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€209k€209k▲
Amounts payable within one year42/48€209k€209k▲
Trade debts44€7k€8k▲
Suppliers440/4€7k€8k▲
Taxes, remuneration and social security45€4k€8k▲
Taxes450/3€4k€8k▲
Other amounts payable47/48€198k€193k▼
Income statement
Code20242025
Remuneration, social security and pensions62€119-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€1k€407▼
Gross operating margin9900€27k€33k▲
Operating profit (loss)9901€16k€23k▲
Financial charges65/66B€1k€141▼
Recurring financial charges65€1k€141▼
Profit (loss) for the period before taxes9903€15k€23k▲
Income taxes67/77€5k€8k▲
Profit (loss) for the period9904€9k€15k▲
Profit (loss) for the period to be appropriated9905€9k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€16k▲
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer to equity691/2€9k€15k▲
To other reserves6921€9k€15k▲
The notes to these accounts (7 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-27k ▼184%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Ninove · 1 establishment unit since 2007
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.
Geraardsbergsesteenweg(Voo) 5459400 NinoveGround area
214 m²
Building footprint
141 m²
Volume, LiDAR
719 m³
Parcel 41073A0354/00A000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Joffly BVBA
since 20072.166.127.685
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41073A0354/00A000 | Flanders | 214 m² | 1 · 141 m² | 8.6 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.
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,484 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-07-2007
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
70120
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.
Contact details
1 entryPhone:0477/245926