Summary
Jofico 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 €243k and a net result of €-30k. Equity is shrinking by ~5% per year across the filed fiscal years. Its solvency ranks better than 20% of 5547 sector peers (fiscal year 2025). The company has been active since 2019 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 check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 5547 sector peers (2025).
NBB · sector comparisonPosition among 5547 sector peers
Solvency
better than 20%
← weakest
strongest →
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 08-06-2026, 53 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
53 d early
2024
35 d early
2023
42 d early
2022
26 d early
2021
34 d early
2020
38 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€243k▼ 10.9%
2024 · €272k
2020: €334khighest in 6 years
2021: €234k▼ -29.9% vs 2020lowest in 6 years
2022: €284k▲ +21.0% vs 2021
2023: €318k▲ +12.2% vs 2022
2024: €272k▼ -14.4% vs 2023
2025: €243k▼ -10.9% vs 2024
2020 → 2025
Net result
€-30k▲ 35.2%
2024 · €-46k
2020: €-116klowest in 6 years
2021: €-100k▲ +13.7% vs 2020
2022: €49k▲ +149% vs 2021highest in 6 years
2023: €35k▼ -29.5% vs 2022
2024: €-46k▼ -232% vs 2023
2025: €-30k▲ +35.2% vs 2024
2020 → 2025
Total assets
€1.32M▼ 9.7%
2024 · €1.46M
2020: €1.87M
2021: €1.78M▼ -4.8% vs 2020
2022: €2.02M▲ +13.6% vs 2021highest in 6 years
2023: €1.75M▼ -13.1% vs 2022
2024: €1.46M▼ -16.6% vs 2023
2025: €1.32M▼ -9.7% vs 2024lowest in 6 years
2020 → 2025
Solvency
18.4%▼ 0.2pp
2024 · 18.6%
2020: 17.9%
2021: 13.2%▼ -26.4% vs 2020lowest in 6 years
2022: 14.0%▲ +6.5% vs 2021
2023: 18.1%▲ +29.2% vs 2022
2024: 18.6%▲ +2.6% vs 2023highest in 6 years
2025: 18.4%▼ -1.3% vs 2024
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€234k-€284k▲ 21.0%€318k▲ 12.2%€272k▼ 14.4%€243k▼ 10.9%
2021: €234klowest in 5 years
2022: €284k▲ +21.0% vs 2021
2023: €318k▲ +12.2% vs 2022highest in 5 years
2024: €272k▼ -14.4% vs 2023
2025: €243k▼ -10.9% vs 2024
Operating result€-100k-€49k€35k▼ 29.5%€-46k€-29k▲ 35.4%
2021: €-100klowest in 5 years
2022: €49k▲ +149% vs 2021highest in 5 years
2023: €35k▼ -29.5% vs 2022
2024: €-46k▼ -231% vs 2023
2025: €-29k▲ +35.4% vs 2024
Net result€-100k-€49k€35k▼ 29.5%€-46k€-30k▲ 35.2%
2021: €-100klowest in 5 years
2022: €49k▲ +149% vs 2021highest in 5 years
2023: €35k▼ -29.5% vs 2022
2024: €-46k▼ -232% vs 2023
2025: €-30k▲ +35.2% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €29k in 2025 against €46k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.32M
Fixed assets
€878 =
Current assets
€1.32M ▼ 9.7%
Equity and liabilities €1.32M
Equity
€243k ▼ 10.9%
Debt
€1.08M ▼ 9.4%
Debt's share of the balance-sheet total rises from 81.4% to 81.6%. Equity and debt are lower.
Key figures and ratios
ROE
-12.2%▲
2024 · -16.8%
ROA
-2.2%▲
2024 · -3.1%
Debt ≤ 1 year
€1.08M▼
2024 · €1.19M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 30 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.46M€1.32M▼
Fixed assets21/28€878€878=
Financial fixed assets28€878€878=
Current assets29/58€1.46M€1.32M▼
Amounts receivable within one year40/41€1.27M€869k▼
Trade receivables40€978k€860k▼
Other amounts receivable41€296k€9k▼
Cash at bank and in hand54/58€188k€451k▲
Deferred charges and accrued income490/1€245€430▲
Equity and liabilities
Total equity and liabilities10/49€1.46M€1.32M▼
Equity10/15€272k€243k▼
Contributions10/11€450k€450k=
Profit (loss) carried forward14€-178k€-207k▼
Amounts payable17/49€1.19M€1.08M▼
Amounts payable within one year42/48€1.19M€1.08M▼
Trade debts44€1.19M€1.08M▼
Suppliers440/4€1.19M€1.08M▼
Other amounts payable47/48€70€0▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-45k€-28k▲
Operating profit (loss)9901€-46k€-29k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€153€198▲
Recurring financial charges65€153€198▲
Profit (loss) for the period before taxes9903€-46k€-30k▲
Profit (loss) for the period9904€-46k€-30k▲
Profit (loss) for the period to be appropriated9905€-46k€-30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-178k€-207k▼
Profit (loss) brought forward from the previous period14P€-132k€-178k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €449 | €970 | €1k | €1k | €1k | ▲ 3.0% |
| Gross operating margin9900 | €-99k | €50k | €36k | €-45k | €-28k | ▲ 36.3% |
| Operating profit (loss)9901 | €-100k | €49k | €35k | €-46k | €-29k | ▲ 35.4% |
| Financial income75/76B | €0 | €0 | €0 | €0 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | €0 | €0 | €0 | €0 | ▼ 100% |
| Financial charges65/66B | €124 | €241 | €153 | €153 | €198 | ▲ 29.5% |
| Recurring financial charges65 | €124 | €241 | €153 | €153 | €198 | ▲ 29.5% |
| Profit (loss) for the period before taxes9903 | €-100k | €49k | €35k | €-46k | €-30k | ▲ 35.2% |
| Profit (loss) for the period9904 | €-100k | €49k | €35k | €-46k | €-30k | ▲ 35.2% |
| Profit (loss) for the period to be appropriated9905 | €-100k | €49k | €35k | €-46k | €-30k | ▲ 35.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.78M | €2.02M | €1.75M | €1.46M | €1.32M | ▼ 9.7% |
| Fixed assets21/28 | €878 | €878 | €878 | €878 | €878 | = |
| Financial fixed assets28 | €878 | €878 | €878 | €878 | €878 | = |
| Current assets29/58 | €1.78M | €2.02M | €1.75M | €1.46M | €1.32M | ▼ 9.7% |
| Amounts receivable within one year40/41 | €1.31M | €1.79M | €973k | €1.27M | €869k | ▼ 31.8% |
| Trade receivables40 | €1.30M | €1.79M | €856k | €978k | €860k | ▼ 12.1% |
| Other amounts receivable41 | €15k | €0 | €116k | €296k | €9k | ▼ 96.9% |
| Cash at bank and in hand54/58 | €466k | €229k | €780k | €188k | €451k | ▲ 139% |
| Deferred charges and accrued income490/1 | €432 | €433 | €470 | €245 | €430 | ▲ 75.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.78M | €2.02M | €1.75M | €1.46M | €1.32M | ▼ 9.7% |
| Equity10/15 | €234k | €284k | €318k | €272k | €243k | ▼ 10.9% |
| Contributions10/11 | €450k | €450k | €450k | €450k | €450k | = |
| Profit (loss) carried forward14 | €-216k | €-166k | €-132k | €-178k | €-207k | ▼ 16.7% |
| Amounts payable17/49 | €1.54M | €1.74M | €1.44M | €1.19M | €1.08M | ▼ 9.4% |
| Amounts payable within one year42/48 | €1.49M | €1.74M | €1.44M | €1.19M | €1.08M | ▼ 9.4% |
| Trade debts44 | €1.49M | €1.71M | €1.44M | €1.19M | €1.08M | ▼ 9.4% |
| Suppliers440/4 | €1.49M | €1.71M | €1.44M | €1.19M | €1.08M | ▼ 9.4% |
| Taxes, remuneration and social security45 | - | €21k | €0 | - | - | - |
| Taxes450/3 | - | €21k | €0 | - | - | - |
| Other amounts payable47/48 | - | - | - | €70 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €52k | €0 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-100k | €49k | €35k | €-46k | €-30k | ▲ 35.2% |
| Operating cash flow (approximation) | €-100k | €49k | €35k | €-46k | €-30k | ▲ 35.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €-236k | €551k | €-592k | €263k | ▲ 144% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €49k
Net result €49k after 2 loss-making years.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 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, Antwerpen · 1 establishment unit since 2019
Ground area
8,569 m²
Building footprint
4,264 m²
Volume, LiDAR
111,618 m³
Parcel 11003A0159/00H002, Flanders · tallest building 33.9 m, ±9 floors. Linked by address, not a title deed.
48
companies at this address
See who is registered here
1 establishment unit
Jofico
since 20192.297.317.613
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0159/00H002 | Flanders | 8,568 m² | 1 · 4,264 m² | 33.9 m · 9 fl. |
Linked by address, not proof of ownership
Good to know
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 232 companies in sector 64190 we hold annual accounts for 109. 81 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formCooperative company
Founded06-11-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64190Financial service activities, except insurance and pension funding
64999Other financial services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Scores and ratios are computed by Checked and are not a credit decision.