Jofido
ActiveSummary
Jofido is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€9,115) and a net result of -€48,248. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 2451 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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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 5% of 2451 sector peers (2025).
NBB · sector comparisonPosition among 2451 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
23 d late
2024
31 d late
2023
21 d late
2022
29 d late
2021
19 d early
2020
26 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 20 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 23 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Equity
-€9,115
2024 · €39,134
Net result
-€48,248
2024 · €27,987
Total assets
€1.3m▲ 67.6%
2024 · €774,784
Solvency
-0.7%▼ 5.8pp
2024 · 5.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€5,594▼ 89.6%€5,134▼ 8.2%-€53,883€30,063-€34,314
Net result€1,579below the sector's middle half▼ 96.3%-€2,884below the sector's middle half-€59,007below the sector's middle half▼ 1,946%€27,987within the sector's middle half-€48,248below the sector's middle half
Equity€73,037below the sector's middle half▲ 2.2%€70,153below the sector's middle half▼ 3.9%€11,146below the sector's middle half▼ 84.1%€39,134below the sector's middle half▲ 251%-€9,115below the sector's middle half
Total assets€792,070within the sector's middle half▲ 31.4%€778,077within the sector's middle half▼ 1.8%€757,319within the sector's middle half▼ 2.7%€774,784within the sector's middle half▲ 2.3%€1.3mbelow the sector's middle half▲ 67.6%
Debt€719,033▲ 35.3%€707,924▼ 1.5%€746,172▲ 5.4%€735,650▼ 1.4%€1.3m▲ 77.7%
Working capital-€469,647below the sector's middle half▲ 5.7%-€482,077below the sector's middle half▼ 2.6%-€538,839below the sector's middle half▼ 11.8%-€514,248below the sector's middle half▲ 4.6%-€733,411within the sector's middle half▼ 42.6%
Solvency9.2%below the sector's middle half▼ 2.6pp9.0%below the sector's middle half▼ 0.2pp1.5%below the sector's middle half▼ 7.5pp5.1%below the sector's middle half▲ 3.6pp-0.7%below the sector's middle half▼ 5.8pp
Current ratio0.06below the sector's middle half▼ 0.010.04below the sector's middle half▼ 0.020.03below the sector's middle half▼ 0.010.08below the sector's middle half▲ 0.050.02below the sector's middle half▼ 0.07
Return on assets (ROA)0.2%below the sector's middle half▼ 6.9pp-0.4%below the sector's middle half▼ 0.6pp-7.8%below the sector's middle half▼ 7.4pp3.6%within the sector's middle half▲ 11.4pp-3.7%below the sector's middle half▼ 7.3pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €34,314 after €30,063 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€1.3m ▲ 76.8%
Current assets
€13,190 ▼ 72.3%
Key figures and ratios
Debt ≤ 1 year
€746,602▲
2024 · €561,936
Debt > 1 year
€560,910▲
2024 · €173,714
A ratio outside any meaningful range has been withheld (balance sheet total €1.3m, equity -€9,115).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €6,834 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €29,680 | €18,060 | €18,174 | €19,276 | €19,488 | ▲ 1.1% |
| Other operating charges640/8 | €27,867 | €28,963 | €52,376 | €191 | €72,451 | ▲ 37,833% |
| Gross operating margin9900 | €63,140 | €52,157 | €16,667 | €49,530 | €57,625 | ▲ 16.3% |
| Operating profit (loss)9901 | €5,594 | €5,134 | -€53,883 | €30,063 | -€34,314 | ▼ 214% |
| Financial income75/76B | - | - | - | €144 | €0 | ▼ 100.0% |
| Recurring financial income75 | - | - | - | €144 | €0 | ▼ 100.0% |
| Non-recurring financial income76B | - | - | - | - | €0 | - |
| Financial charges65/66B | €3,587 | €8,017 | €5,124 | €2,220 | €13,934 | ▲ 528% |
| Recurring financial charges65 | €3,587 | €8,017 | €5,124 | €2,220 | €13,934 | ▲ 528% |
| Non-recurring financial charges66B | - | - | - | - | €0 | - |
| Profit (loss) for the period before taxes9903 | €2,007 | -€2,884 | -€59,007 | €27,987 | -€48,248 | ▼ 272% |
| Income taxes67/77 | €429 | - | - | - | - | - |
| Profit (loss) for the period9904 | €1,579 | -€2,884 | -€59,007 | €27,987 | -€48,248 | ▼ 272% |
| Profit (loss) for the period to be appropriated9905 | €1,579 | -€2,884 | -€59,007 | €27,987 | -€48,248 | ▼ 272% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €792,070 | €778,077 | €757,319 | €774,784 | €1.3m | ▲ 67.6% |
| Fixed assets21/28 | €764,197 | €757,976 | €739,802 | €727,096 | €1.3m | ▲ 76.8% |
| Tangible fixed assets22/27 | €764,197 | €757,976 | €739,802 | €727,096 | €1.3m | ▲ 76.8% |
| Land and buildings22 | €764,197 | €757,976 | €739,802 | €721,628 | €1.3m | ▲ 77.5% |
| Furniture and vehicles24 | - | - | - | €5,468 | €4,154 | ▼ 24.0% |
| Current assets29/58 | €27,873 | €20,101 | €17,516 | €47,688 | €13,190 | ▼ 72.3% |
| Amounts receivable within one year40/41 | €4,806 | €4,806 | €4,806 | €36,476 | €4,997 | ▼ 86.3% |
| Trade receivables40 | €4,806 | €4,806 | €4,806 | €36,452 | €4,806 | ▼ 86.8% |
| Other amounts receivable41 | - | - | - | €24 | €191 | ▲ 696% |
| Cash at bank and in hand54/58 | €23,068 | €15,295 | €12,711 | €11,211 | €8,193 | ▼ 26.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €792,070 | €778,077 | €757,319 | €774,784 | €1.3m | ▲ 67.6% |
| Equity10/15 | €73,037 | €70,153 | €11,146 | €39,134 | -€9,115 | ▼ 123% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Outside capital11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Other1109/19 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €807 | €807 | €807 | €807 | €807 | = |
| Non-distributable reserves130/1 | €807 | €807 | €807 | €807 | - | - |
| Reserves not available under the articles1311 | €807 | €807 | €807 | €807 | - | - |
| Distributable reserves133 | - | - | - | - | €807 | - |
| Profit (loss) carried forward14 | €59,830 | €56,946 | -€2,061 | €25,927 | -€22,322 | ▼ 186% |
| Amounts payable17/49 | €719,033 | €707,924 | €746,172 | €735,650 | €1.3m | ▲ 77.7% |
| Amounts payable after more than one year17 | €221,513 | €205,746 | €189,817 | €173,714 | €560,910 | ▲ 223% |
| Financial debts170/4 | €221,513 | €205,746 | €189,817 | €173,714 | €560,910 | ▲ 223% |
| Amounts payable within one year42/48 | €497,520 | €502,178 | €556,355 | €561,936 | €746,602 | ▲ 32.9% |
| Current portion of amounts payable after more than one year42 | €15,602 | €17,380 | €15,928 | €16,093 | €48,994 | ▲ 204% |
| Trade debts44 | €11,071 | €11,016 | €11,016 | €11,016 | €8,260 | ▼ 25.0% |
| Suppliers440/4 | €11,071 | €11,016 | €11,016 | €11,016 | €8,260 | ▼ 25.0% |
| Taxes, remuneration and social security45 | €4,079 | €13,256 | €852 | €6,269 | €789 | ▼ 87.4% |
| Taxes450/3 | €4,079 | €13,256 | €852 | €6,269 | €789 | ▼ 87.4% |
| Other amounts payable47/48 | €466,768 | €460,526 | €528,558 | €528,558 | €688,558 | ▲ 30.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,579 | -€2,884 | -€59,007 | €27,987 | -€48,248 | ▼ 272% |
| + Depreciation and write-downs630 | €29,680 | €18,060 | €18,174 | €19,276 | €19,488 | ▲ 1.1% |
| Operating cash flow (approximation) | €31,258 | €15,177 | -€40,833 | €47,263 | -€28,761 | ▼ 161% |
| Investment in fixed assets (approximation) | - | -€11,840 | €0 | -€6,570 | -€577,599 | ▼ 8,691% |
| Change in cash | - | -€7,772 | -€2,585 | -€1,499 | -€3,018 | ▼ 101% |
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
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 23 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-12
Financial
Back to profitnet €27,987
Net result €27,987 after 2 loss-making years.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 21 days late
2023
31-12
Financial
Weakest financial yearnet -€59,007
Net result drops to -€59,007, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
31-12
Financial
Highest result since 2018net €42,939 ▲305%
Operating result €53,812, net result €42,939, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Zedelgem · 1 establishment unit since 2017
Ground area
2,726 m²
Building footprint
678 m²
Volume, LiDAR
5,395 m³
Parcel 31040D0211/00H000, Flanders · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Jofido
since 20172.271.384.365
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31040D0211/00H000 | Flanders | 2,726 m² | 1 · 678 m² | 13.1 m · 3 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 24,728 companies in sector 64210 we hold annual accounts for 19,805. 9,639 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-12-2017
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68202Real estate activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0685998747
Also
9925:BE0685998747
Registered
03-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.