JOIS 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 €599k and a net result of €29k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 20% of 2377 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
19 d early
2023
44 d late
2022
61 d late
2021
31 d late
2020
18 d early
2019
52 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€599k▲ 5.2%
2024 · €570k
2018: €619k
2019: €620k
2020: €612k
2021: €582k
2022: €562k
2023: €573k
2024: €570k
2018 → 2025
Net result
€29k
2024 · €-3k
2018: €12k
2019: €1k
2020: €-8k
2021: €-30k
2022: €-16k
2023: €10k
2024: €-3k
2018 → 2025
Total assets
€2.37M▲ 4.7%
2024 · €2.26M
2018: €1.48M
2019: €1.56M
2020: €1.67M
2021: €2.28M
2022: €2.30M
2023: €2.19M
2024: €2.26M
2018 → 2025
Solvency
25.3%▲ 0.1pp
2024 · 25.2%
2018: 41.8%
2019: 39.8%
2020: 36.7%
2021: 25.6%
2022: 24.4%
2023: 26.2%
2024: 25.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€582k-€562k▼ 3.4%€573k▲ 1.8%€570k▼ 0.5%€599k▲ 5.2%
Operating result€-14k-€12k€31k▲ 164%€-6k€33k
Net result€-30k-€-16k▲ 48.2%€10k€-3k€29k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €33k after a loss of €6k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.37M
Fixed assets
€1.70M=
Current assets
€673k▲ 18.7%
Equity and liabilities €2.37M
Equity
€599k▲ 5.2%
Debt
€1.77M▲ 4.5%
The debt ratio falls from 74.8% to 74.7%. Equity and debt are higher.
Key figures and ratios
Solvency
25.3%▲
2024 · 25.2%
ROE
4.9%▲
2024 · -0.5%
ROA
1.2%▲
2024 · -0.1%
Debt
€1.77M▲
2024 · €1.69M
Debt ≤ 1 year
€1.13M▲
2024 · €1.06M
Debt > 1 year
€612k=
2024 · €612k
Income taxes
€1k
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€2.26M€2.37M▲
Fixed assets21/28€1.70M€1.70M=
Tangible fixed assets22/27€3€0▼
Furniture and vehicles24€3€0▼
Financial fixed assets28€1.70M€1.70M=
Current assets29/58€567k€673k▲
Amounts receivable after more than one year29€100k€100k=
Other amounts receivable291€100k€100k=
Amounts receivable within one year40/41€440k€543k▲
Trade receivables40€4k€0▼
Other amounts receivable41€436k€543k▲
Cash at bank and in hand54/58€55€127▲
Deferred charges and accrued income490/1€27k€30k▲
Equity and liabilities
Total equity and liabilities10/49€2.26M€2.37M▲
Equity10/15€570k€599k▲
Contributions10/11€375k€375k=
Capital10€375k€375k=
Issued capital100€375k€375k=
Reserves13€195k€224k▲
Non-distributable reserves130/1€38k€38k=
Legal reserve130€38k€38k=
Distributable reserves133€157k€187k▲
Amounts payable17/49€1.69M€1.77M▲
Amounts payable after more than one year17€612k€612k=
Financial debts170/4€612k€612k=
Amounts payable within one year42/48€1.06M€1.13M▲
Trade debts44€14k€14k=
Suppliers440/4€14k€14k=
Taxes, remuneration and social security45€20k€15k▼
Taxes450/3€20k€15k▼
Other amounts payable47/48€1.02M€1.10M▲
Accrued charges and deferred income492/3€26k€31k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€303€3▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-4k€34k▲
Operating profit (loss)9901€-6k€33k▲
Financial income75/76B€27k€30k▲
Recurring financial income75€27k€30k▲
Financial charges65/66B€24k€33k▲
Recurring financial charges65€24k€33k▲
Profit (loss) for the period before taxes9903€-3k€31k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-3k€29k▲
Profit (loss) for the period to be appropriated9905€-3k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€29k▲
Transfer from equity791/2€3k€0▼
Transfer to equity691/2-€29k
To other reserves6921-€29k
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (13 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 44 days late
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after 3 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 61 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
2019
07-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 68 days late
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oudenaarde · 1 establishment unit since 1996
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.
Ambachtsstraat 59700 OudenaardeGround area
3,105 m²
Building footprint
1,563 m²
Volume, LiDAR
8,095 m³
Parcel 45502A0524/00C000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ambachtsstraat 5, 9700 Oudenaarde
since 19962.075.691.419
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45502A0524/00C000 | Flanders | 3,105 m² | 1 · 1,563 m² | 7.3 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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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,485 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-11-1995
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.