JOGRA
ActiveSummary
JOGRA has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €11k. Equity is growing by ~81.5% per year across the filed fiscal years. Its solvency ranks better than 71% of 1901 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+29
Solvency100▲+25
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.79 against 1.8 in 2024; short-term debt: 24.4% and cash: 46.7% of total assets), and 24.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← 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
75.6%
Return on assets
43.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
6 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▲ 133%
2024 · €8k
2023: €6k
2024: €8k
2023 → 2025
Total assets
€26k▲ 54.2%
2024 · €17k
2023: €18k
2024: €17k
2023 → 2025
Net result
€11k▲ 349%
2024 · €3k
2023: €3k
2024: €3k
2023 → 2025
Working capital
€18k▲ 162%
2024 · €7k
2023: €5k
2024: €7k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€6k-€8k▲ 42.2%€20k▲ 133%
Operating result€4k-€5k▲ 6.0%€17k▲ 275%
Net result€3k-€3k▼ 27.2%€11k▲ 349%
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 two years in a row; 2025 is 275% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26k
Fixed assets
€2k ▲ 19.0%
Current assets
€24k ▲ 58.0%
Equity and liabilities €26k
Equity
€20k ▲ 133%
Debt
€6k ▼ 24.9%
Debt's share of the balance-sheet total falls from 50.0% to 24.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▲
2024 · €6k
Cash flow
€12k▲
2024 · €4k
Current ratio
3.79▲
2024 · 1.80
Debt to equity
0.32▼
2024 · 1.00
ROE
57.1%▲
2024 · 29.7%
ROA
43.2%▲
2024 · 14.8%
Interest coverage
10.24▲
2024 · 4.03
Debt ≤ 1 year
€6k▼
2024 · €8k
Income taxes
€4k▲
2024 · €728
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€17k€26k▲
Formation expenses20€0-
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€2k€2k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24-€737
Current assets29/58€15k€24k▲
Amounts receivable within one year40/41€272€10k▲
Trade receivables40-€10k
Other amounts receivable41€272€105▼
Cash at bank and in hand54/58€15k€12k▼
Deferred charges and accrued income490/1€453€2k▲
Equity and liabilities
Total equity and liabilities10/49€17k€26k▲
Equity10/15€8k€20k▲
Contributions10/11€3k€3k=
Reserves13-€11k
Distributable reserves133-€11k
Profit (loss) carried forward14€6k€6k=
Amounts payable17/49€8k€6k▼
Amounts payable within one year42/48€8k€6k▼
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€1k€4k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€1k€1k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€463▼
Other operating charges640/8€100€100=
Gross operating margin9900€6k€18k▲
Operating profit (loss)9901€5k€17k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€3k€16k▲
Income taxes67/77€728€4k▲
Profit (loss) for the period9904€3k€11k▲
Profit (loss) for the period to be appropriated9905€3k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€17k▲
Profit (loss) brought forward from the previous period14P€3k€6k▲
Transfer to equity691/2-€11k
To other reserves6921-€11k
The notes to these accounts (5 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2023net €11k ▲349%
Operating result €17k, net result €11k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 3.79
Current ratio from 1.80 to 3.79; short-term debt falls from €8k to €6k.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €3k ▼27.2%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Evergem · 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.
Tiendeschuur 79940 EvergemGround area
287 m²
Building footprint
99 m²
Volume, LiDAR
598 m³
Parcel 44302E1016/00X002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOGRA
since 20232.342.250.288
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44302E1016/00X002 | Flanders | 287 m² | 1 · 99 m² | 8.4 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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BE 0781.398.049
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BELGEMO
BE 0822.178.136
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Of 3,152 companies in sector 63920 we hold annual accounts for 1,523. 1,052 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-2023
Fiscal year end30-06
Activities, NACEBEL 2025
63920Other information service activities
18130Pre-press and pre-media services
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.