JOHAN JOYE
ActiveJOHAN JOYE has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €406k and a net result of €49k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 52% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+1
Solvency74▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.72 against 0.56 in 2024; short-term debt: 28.1% and cash: 10.3% of total assets), and 50.7% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
49.3%
Return on assets
5.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
2 d early
2023
42 d early
2022
19 d early
2021
2 d early
2020
36 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€406k▲ 7.4%
2024 · €377k
2018: €261k
2019: €282k
2020: €301k
2021: €356k
2022: €375k
2023: €375k
2024: €377k
2018 → 2025
Total assets
€822k▼ 5.4%
2024 · €868k
2018: €688k
2019: €661k
2020: €634k
2021: €635k
2022: €831k
2023: €840k
2024: €868k
2018 → 2025
Net result
€49k▲ 3.5%
2024 · €47k
2018: €21k
2019: €21k
2020: €19k
2021: €56k
2022: €73k
2023: €68k
2024: €47k
2018 → 2025
Working capital
€-66k▲ 37.7%
2024 · €-105k
2018: €-106k
2019: €-48k
2020: €-15k
2021: €29k
2022: €-7k
2023: €-60k
2024: €-105k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€356k-€375k▲ 5.3%€375k▲ 0.1%€377k▲ 0.6%€406k▲ 7.4%
Operating result€85k-€97k▲ 13.7%€100k▲ 3.3%€78k▼ 21.8%€87k▲ 10.7%
Net result€56k-€73k▲ 29.4%€68k▼ 7.3%€47k▼ 30.6%€49k▲ 3.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €822k
Fixed assets
€656k▼ 10.7%
Current assets
€165k▲ 24.1%
Equity and liabilities €822k
Equity
€406k▲ 7.4%
Debt
€416k▼ 15.2%
The debt ratio falls from 56.5% to 50.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€165k▲
2024 · €146k
Cash flow
€127k▲
2024 · €115k
Solvency
49.3%▲
2024 · 43.5%
Current ratio
0.72▲
2024 · 0.56
Quick ratio
0.54▲
2024 · 0.23
Debt / equity
1.03▼
2024 · 1.30
ROE
12.0%▼
2024 · 12.4%
ROA
5.9%▲
2024 · 5.4%
Interest coverage
9.49▼
2024 · 12.07
Debt
€416k▼
2024 · €491k
Debt ≤ 1 year
€231k▼
2024 · €238k
Debt > 1 year
€175k▼
2024 · €244k
Income taxes
€23k▲
2024 · €22k
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€868k€822k▼
Fixed assets21/28€735k€656k▼
Tangible fixed assets22/27€735k€656k▼
Land and buildings22€611k€565k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€119k€88k▼
Current assets29/58€133k€165k▲
Stocks and contracts in progress3€79k€41k▼
Stocks30/36€18k€7k▼
Contracts in progress37€62k€33k▼
Amounts receivable within one year40/41€21k€33k▲
Trade receivables40€16k€31k▲
Other amounts receivable41€5k€2k▼
Cash at bank and in hand54/58€29k€85k▲
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€868k€822k▼
Equity10/15€377k€406k▲
Contributions10/11€19k€19k=
Reserves13€359k€387k▲
Distributable reserves133€359k€387k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€491k€416k▼
Amounts payable after more than one year17€244k€175k▼
Financial debts170/4€244k€175k▼
Amounts payable within one year42/48€238k€231k▼
Current portion of amounts payable after more than one year42€78k€72k▼
Trade debts44€21k€8k▼
Suppliers440/4€21k€8k▼
Taxes, remuneration and social security45€3k€195▼
Taxes450/3€3k€195▼
Remuneration and social security454/9€0-
Other amounts payable47/48€136k€151k▲
Accrued charges and deferred income492/3€8k€11k▲
Income statement
Code20242025
Non-recurring operating income76A€8k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€79k▲
Other operating charges640/8€7k€6k▼
Gross operating margin9900€153k€172k▲
Operating profit (loss)9901€78k€87k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€12k€17k▲
Recurring financial charges65€12k€17k▲
Profit (loss) for the period before taxes9903€69k€72k▲
Income taxes67/77€22k€23k▲
Profit (loss) for the period9904€47k€49k▲
Profit (loss) for the period to be appropriated9905€47k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€49k▲
Transfer from equity791/2€43k€20k▼
Transfer to equity691/2€45k€49k▲
To other reserves6921€45k€49k▲
Profit to be distributed694/7€44k€20k▼
Return on contributions (dividend)694€44k€20k▼
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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €73k ▲29.4%
Net result €73k, the highest in the series.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €19k ▼12.3%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Ieper · 1 establishment unit since 2003
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.
Potijzestraat 578900 IeperGround area
471 m²
Building footprint
236 m²
Volume, LiDAR
1,150 m³
Parcel 33302A0294/00N000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Potijzestraat 57, 8900 Ieper
since 20032.123.189.943
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33302A0294/00N000 | Flanders | 471 m² | 1 · 236 m² | 6.6 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 492 EUR awarded · 492 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 387 EUR | 387 EUR |
| 2023 | 1 | 105 EUR | 105 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,524 companies in sector 43222 we hold annual accounts for 5,657. 4,265 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2002
Fiscal year end30-09
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.