Joilune

Active

Private limited companyfounded 20215 yrs activeLange Boomgaardstraat 72, 9000 Gent, BelgiumKBO/BCE: BE 0774.388.810

Joilune has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €29k. Equity is growing by ~81% per year across the filed fiscal years. Its solvency ranks better than 23% of 1991 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Watch Print / PDF

Checked score

Score 2025

65 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability75▲+13

Solvency37▲+6

Growth78=

Track record94

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days acceptable

Liquidity short (current ratio 0.99 against 1.18 in 2024; short-term debt: 13.3% and cash: 8.9% of total assets), and 88.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 90

Relative position

BE, all sectors

reference

Sector 90

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

11.5%

Return on assets

5.3%

Age of the figures

12 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 1991 sector peers (2025).

NBB · sector comparison

Position among 1991 sector peers

Solvency

better than 23%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 10-02-2026, 79 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

79 d early

2024

5 d early

2023

1 d early

2022

16 d early

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€63k▲ 86.7%

2024 · €34k

2022: €-48k 2023: €27k 2024: €34k

2022 → 2025

Total assets

€544k▼ 5.2%

2024 · €574k

2022: €539k 2023: €616k 2024: €574k

2022 → 2025

Net result

€29k▲ 321%

2024 · €7k

2022: €-51k 2023: €74k 2024: €7k

2022 → 2025

Working capital

€-584

2024 · €12k

2022: €-41k 2023: €55k 2024: €12k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€-48k-€27k€34k▲ 25.9%€63k▲ 86.7%

Operating result€-50k-€92k€16k▼ 83.1%€43k▲ 177%

Net result€-51k-€74k€7k▼ 90.7%€29k▲ 321%

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 177% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €544k

86.8%

13.2%

Fixed assets €472k▼ 3.8%

Current assets €72k▼ 13.4%

Equity and liabilities €544k

12%

88.5%

Equity €63k▲ 86.7%

Debt €482k▼ 10.9%

The debt ratio falls from 94.2% to 88.5%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€62k▲

2024 · €34k

Cash flow

€48k▲

2024 · €25k

Solvency

11.5%▲

2024 · 5.8%

Current ratio

0.99▼

2024 · 1.18

Quick ratio

0.99▼

2024 · 1.18

Debt / equity

7.69▼

2024 · 16.11

ROE

46.4%▲

2024 · 20.6%

ROA

5.3%▲

2024 · 1.2%

Interest coverage

9.61▲

2024 · 4.98

Debt

€482k▼

2024 · €540k

Debt ≤ 1 year

€72k▲

2024 · €71k

Debt > 1 year

€403k▼

2024 · €460k

Income taxes

€8k▲

2024 · €2k

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€574k€544k▼

Fixed assets21/28€491k€472k▼

Tangible fixed assets22/27€491k€472k▼

Land and buildings22€491k€472k▼

Current assets29/58€83k€72k▼

Amounts receivable within one year40/41€15k€23k▲

Trade receivables40€15k€23k▲

Other amounts receivable41-€242

Cash at bank and in hand54/58€68k€49k▼

Deferred charges and accrued income490/1€181€191▲

Equity and liabilities

Total equity and liabilities10/49€574k€544k▼

Equity10/15€34k€63k▲

Contributions10/11€3k€3k=

Reserves13€31k€60k▲

Distributable reserves133€31k€60k▲

Amounts payable17/49€540k€482k▼

Amounts payable after more than one year17€460k€403k▼

Financial debts170/4€400k€343k▼

Other amounts payable178/9€60k€60k=

Amounts payable within one year42/48€71k€72k▲

Current portion of amounts payable after more than one year42€57k€57k=

Trade debts44€2k€3k▲

Suppliers440/4€2k€3k▲

Taxes, remuneration and social security45€9k€4k▼

Taxes450/3€9k€4k▼

Remuneration and social security454/9€0-

Other amounts payable47/48€3k€9k▲

Accrued charges and deferred income492/3€10k€6k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k▲

Other operating charges640/8€871€1k▲

Gross operating margin9900€35k€63k▲

Operating profit (loss)9901€16k€43k▲

Financial charges65/66B€7k€6k▼

Recurring financial charges65€7k€6k▼

Profit (loss) for the period before taxes9903€9k€37k▲

Income taxes67/77€2k€8k▲

Profit (loss) for the period9904€7k€29k▲

Profit (loss) for the period to be appropriated9905€7k€29k▲

Appropriation of the result

Profit (loss) to be appropriated9906€7k€29k▲

Profit (loss) brought forward from the previous period14P€0-

Transfer to equity691/2€7k€29k▲

To other reserves6921€7k€29k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

Next filing, fiscal year 2026, expected by 30-04-2027

2026

10-02

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

25-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

29-04

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-09

Financial Back to profitnet €74k

Net result €74k after one loss-making year.

30-09

Financial Liquidity quadruplescurrent ratio 1.80

Current ratio from 0.42 to 1.80; short-term debt falls from €72k to €69k.

14-04

NBB filing Annual accounts filed

fiscal year 2022 · 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, Gent · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Lange Boomgaardstraat 729000 Gent

Ground area

901 m²

Building footprint

77 m²

Volume, LiDAR

457 m³

Parcel 44804D1356/00E000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Joilune

Lange Boomgaardstraat 72, 9000 GentOther business support services

since 20212.325.391.787

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44804D1356/00E000	Flanders	901 m²	1 · 77 m²	10.7 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.

Similar companies · same sector, comparable size

Steenokkerzeel · Eq €65k

Of 1,257 companies in sector 90399 we hold annual accounts for 200. 156 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded21-09-2021

Fiscal year end30-09

Activities, NACEBEL

90029Arts creation and performing arts activities

90399Other support activities for arts and performing arts

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.