Jointly 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 €11.1m and a net result of €2.4m. Its solvency ranks better than 64% of 6,687 sector peers (NACE 64, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Signalsraises riskYoung companyneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Checked score
The higher the Checked score (0 to 100), the smaller the chance that the company goes bankrupt within twelve months. That chance sets the band, from Critical to Excellent, and within the band how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
Bankruptcy probability
It is the chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. At 0.2%, about 2 in 1,000 comparable companies go bankrupt. The higher it is, the shorter the payment term to agree.
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 50 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Equity is what the company owns minus what it owes. It consists of the contributions and the reserves and profits built up. Negative equity means debts exceed assets.
The net result is what is left after all costs and taxes. One loss year is not an alarm on its own. After several loss years in a row, it pays to find out why.
Solvency is equity divided by total assets. It shows what share of its assets the company finances with its own means. The higher it is, the better the company absorbs a setback.
The operating result for 2025 is a profit of €91,803, after a loss of €13,157 in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Operating result€0.09m2025Net result€2.4m2025
Assets, equity and debt per financial year.
Total assets€17.0m2025Equity€11.1m2025Debt€5.9m2025
Above zero, the company can pay its short-term debts with what it holds in the short term.
Working capital-€1.8m2025
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
Return on assets (ROA)14.3%2025
The higher the solvency, the better the company absorbs a setback.
Solvency65.3%2025
A ratio above 1 means the short-term assets cover the short-term debts.
Current ratio0.242025
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Every figure with its change against the financial year before
favourableunfavourable
Line20242025
Operating result-€0.01m-€0.09m
Net result€0.3mabove the sector's middle half-€2.4mabove the sector's middle half▲ 665%
Equity€8.7mabove the sector's middle half-€11.1mabove the sector's middle half▲ 28.0%
Total assets€14.5mabove the sector's middle half-€17.0mabove the sector's middle half▲ 17.4%
Debt€5.8m-€5.9m▲ 1.5%
Working capital-€1.0mbelow the sector's middle half--€1.8mbelow the sector's middle half▼ 84.9%
Solvency59.9%within the sector's middle half-65.3%within the sector's middle half▲ 5.4pp
Current ratio0.17below the sector's middle half-0.24below the sector's middle half▲ 0.07
Return on assets (ROA)2.2%within the sector's middle half-14.3%above the sector's middle half▲ 12.1pp
abovewithinbelowThe sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17.0m
96.7%
Fixed assets€16.5m ▲ 15.0%
Current assets€564,391 ▲ 190%
Equity and liabilities €17.0m
65.3%
34.7%
Equity€11.1m ▲ 28.0%
Debt€5.9m ▲ 1.5%
Debt's share of the balance-sheet total falls from 40.1% to 34.7%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
ROE
21.9%▲
2024 · 3.7%
Debt ≤ 1 year
€2.4m▲
2024 · €1.2m
Debt > 1 year
€3.4m▼
2024 · €4.6m
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Annual accounts
Filed annual accountsAs filed with the NBB · 2025 against 2024 · 38 lines
Amounts receivable within one year40/41€0.05m€0.06m▲
Trade receivables40€0.05m€0.05m=
Other amounts receivable41-€0.002m
Cash at bank and in hand54/58€0.1m€0.5m▲
Deferred charges and accrued income490/1-€0.001m
Equity and liabilities
Total equity and liabilities10/49€14.5m€17.0m▲
Equity10/15€8.7m€11.1m▲
Contributions10/11€8.4m€8.4m=
Reserves13€0.3m€2.8m▲
Distributable reserves133€0.3m€2.8m▲
Amounts payable17/49€5.8m€5.9m▲
Amounts payable after more than one year17€4.6m€3.4m▼
Financial debts170/4€4.6m€3.4m▼
Amounts payable within one year42/48€1.2m€2.4m▲
Current portion of amounts payable after more than one year42€1.1m€1.3m▲
Trade debts44€0.05m€0.05m▲
Suppliers440/4€0.05m€0.05m▲
Taxes, remuneration and social security45€0.001m€0.004m▲
Taxes450/3€0.001m€0.004m▲
Other amounts payable47/48-€1.0m
Accrued charges and deferred income492/3€0.08m€0.09m▲
Income statementCode20242025
Other operating charges640/8€387€0.001m▲
Gross operating margin9900-€0.01m€0.09m▲
Operating profit (loss)9901-€0.01m€0.09m▲
Financial income75/76B€0.4m€2.5m▲
Recurring financial income75€0.4m€2.5m▲
Financial charges65/66B€0.08m€0.2m▲
Recurring financial charges65€0.08m€0.2m▲
Profit (loss) for the period before taxes9903€0.3m€2.4m▲
Profit (loss) for the period9904€0.3m€2.4m▲
Profit (loss) for the period to be appropriated9905€0.3m€2.4m▲
Appropriation of the result
Profit (loss) to be appropriated9906€0.3m€2.4m▲
Transfer to equity691/2€0.3m€2.4m▲
To other reserves6921€0.3m€2.4m▲
The notes to these accounts have 10 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
These companies have the same main activity as Jointly: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €9.3m and €24m, founded between 2023 and 2024.
They were chosen from the 20,097 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
2 directors, no change since 2024
Directors
Many board changes in a short time are a reason to keep a close eye on the company.
Director (not named in the articles) · since 28-06-2024 · Private limited company · permanent representative: Jeroen Bogaerts · listed in the 2025 annual accounts, filed on 05-06-2026
Each bar is one period in a function, from appointment to resignation or to today. An open left edge means the mandate began before its first mention. An open right edge means the mandate ended without a stated end date.
Jointly or one of its subsidiaries holds more than half of the shares of these companies. A company it consolidates per the LEI register is listed too.
Each sentence rests on a document from the KBO register, the Belgian Official Gazette or the National Bank. The number after the sentence opens that document.
Jointly was incorporated on 12 June 2024 as a private limited company by We Are Jane, with a starting capital of €5,000.12In 2024 the capital was increased by €4.3m to €8.4m.3The board currently has 2 members, 2 of whom have served since 2024.4
Permanent representatives: Muriel Uytterhaegen and Jeroen Bogaerts · Appointments: BLQ Management (director) and Conny Sabine Vandendriessche (director) · Capital contribution29 points ▸
Capital contribution, €4,266,250
Share issue, 4266250, “volledig volgestort” (deed in Dutch)
Kind of shares, “B”, 4266250 (deed in Dutch)
Capital
Other provision, “boeking op beschikbare eigen vermogensrekening, volledig” (deed in Dutch)
Kind of shares, “onderverdeling in soorten A en B”, 4266250 (deed in Dutch)
Other provision, “geen verslaggevingsverplichting artikel 5:102 WVV, onderverdeling houdt geen wijziging of gelijkstelling van rechten in” (deed in Dutch)
Other provision, “geen beroepsverbod onverenigbaarheid onbekwaamheid, bestuurder en vaste vertegenwoordiger” (deed in Dutch)
Pre-incorporation commitments, “takeover, alle verbintenissen verplichtingen activiteiten door comparanten in naam en voor rekening vennootschap in oprichting voor ondertekening oprichtingsakt…” (deed in Dutch)
Incorporation, 12-06-2024
Founder, We Are Jane
Other provision, “Oprichters en niet-volgestorte inbrengen”, / (deed in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.