JoJa
ActiveSummary
JoJa has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €134,377 and a net result of €75,033. Equity is growing by ~24.3% per year across the filed fiscal years. Its solvency ranks better than 92% of 2372 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days acceptable
Liquidity ample (current ratio 18.7 against 28.65 in 2024; short-term debt: 4.8% and cash: 72.7% of total assets), and 4.8% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← 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
95.2%
Return on assets
53.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-03-2026, 140 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
140 d early
2024
9 d early
2023
29 d early
2022
41 d early
2021
31 d early
2020
38 d early
2019
38 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 47 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, abbreviated schema
Equity
€134,377▼ 62.0%
2024 · €353,557
Total assets
€141,157▼ 61.4%
2024 · €365,364
Net result
€75,033▲ 7.7%
2024 · €69,682
Working capital
€120,046▼ 63.2%
2024 · €326,503
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€65,712▲ 25.4%€85,612▲ 30.3%€72,258▼ 15.6%€84,137▲ 16.4%€90,760▲ 7.9%
Net result€47,841within the sector's middle half▲ 24.7%€60,212within the sector's middle half▲ 25.9%€53,705within the sector's middle half▼ 10.8%€69,682within the sector's middle half▲ 29.7%€75,033within the sector's middle half▲ 7.7%
Equity€203,690within the sector's middle half▲ 30.7%€263,902within the sector's middle half▲ 29.6%€296,555within the sector's middle half▲ 12.4%€353,557within the sector's middle half▲ 19.2%€134,377within the sector's middle half▼ 62.0%
Total assets€206,384below the sector's middle half▲ 30.8%€268,238below the sector's middle half▲ 30.0%€306,546below the sector's middle half▲ 14.3%€365,364below the sector's middle half▲ 19.2%€141,157below the sector's middle half▼ 61.4%
Debt€2,693▲ 40.6%€4,335▲ 61.0%€9,992▲ 130%€11,807▲ 18.2%€6,781▼ 42.6%
Working capital€200,301within the sector's middle half▲ 32.3%€261,117within the sector's middle half▲ 30.4%€288,734within the sector's middle half▲ 10.6%€326,503within the sector's middle half▲ 13.1%€120,046within the sector's middle half▼ 63.2%
Solvency98.7%above the sector's middle half▼ 0.1pp98.4%above the sector's middle half▼ 0.3pp96.7%above the sector's middle half▼ 1.6pp96.8%above the sector's middle half=95.2%above the sector's middle half▼ 1.6pp
Current ratio75.38above the sector's middle half▼ 4.6561.23above the sector's middle half▼ 14.1429.90above the sector's middle half▼ 31.3428.65above the sector's middle half▼ 1.2418.70above the sector's middle half▼ 9.95
Return on assets (ROA)23.2%above the sector's middle half▼ 1.1pp22.4%above the sector's middle half▼ 0.7pp17.5%within the sector's middle half▼ 4.9pp19.1%within the sector's middle half▲ 1.6pp53.2%above the sector's middle half▲ 34.1pp
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €141,157
Fixed assets
€14,331 ▼ 47.0%
Current assets
€126,826 ▼ 62.5%
Equity and liabilities €141,157
Equity
€134,377 ▼ 62.0%
Debt
€6,781 ▼ 42.6%
Debt's share of the balance-sheet total rises from 3.2% to 4.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€103,484▲
2024 · €95,735
Cash flow
€87,756▲
2024 · €81,279
Debt to equity
0.05▲
2024 · 0.03
ROE
55.8%▲
2024 · 19.7%
Interest coverage
633.78▲
2024 · 306.82
Debt ≤ 1 year
€6,781▼
2024 · €11,807
Income taxes
€20,144▲
2024 · €18,457
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,679 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,047 | €604 | €1,698 | €11,597 | €12,723 | ▲ 9.7% |
| Other operating charges640/8 | €1,470 | €743 | €814 | €750 | €1,225 | ▲ 63.4% |
| Gross operating margin9900 | €68,229 | €86,959 | €74,770 | €96,484 | €104,708 | ▲ 8.5% |
| Operating profit (loss)9901 | €65,712 | €85,612 | €72,258 | €84,137 | €90,760 | ▲ 7.9% |
| Financial income75/76B | €851 | €854 | €5,100 | €4,313 | €4,580 | ▲ 6.2% |
| Recurring financial income75 | €851 | €854 | €5,100 | €4,313 | €4,580 | ▲ 6.2% |
| Financial charges65/66B | €2,185 | €1,856 | €1,755 | €312 | €163 | ▼ 47.7% |
| Recurring financial charges65 | €2,185 | €1,856 | €1,755 | €312 | €163 | ▼ 47.7% |
| Profit (loss) for the period before taxes9903 | €64,378 | €84,610 | €75,603 | €88,139 | €95,177 | ▲ 8.0% |
| Income taxes67/77 | €16,537 | €24,398 | €21,898 | €18,457 | €20,144 | ▲ 9.1% |
| Profit (loss) for the period9904 | €47,841 | €60,212 | €53,705 | €69,682 | €75,033 | ▲ 7.7% |
| Profit (loss) for the period to be appropriated9905 | €47,841 | €60,212 | €53,705 | €69,682 | €75,033 | ▲ 7.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €206,384 | €268,238 | €306,546 | €365,364 | €141,157 | ▼ 61.4% |
| Fixed assets21/28 | €3,390 | €2,786 | €7,820 | €27,054 | €14,331 | ▼ 47.0% |
| Tangible fixed assets22/27 | €1,890 | €1,286 | €6,320 | €25,554 | €12,831 | ▼ 49.8% |
| Furniture and vehicles24 | €1,890 | €1,286 | €6,320 | €25,554 | €12,831 | ▼ 49.8% |
| Financial fixed assets28 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Current assets29/58 | €202,994 | €265,452 | €298,726 | €338,310 | €126,826 | ▼ 62.5% |
| Amounts receivable after more than one year29 | €40,500 | €40,500 | €190,500 | €190,500 | - | - |
| Other amounts receivable291 | €40,500 | €40,500 | €190,500 | €190,500 | - | - |
| Amounts receivable within one year40/41 | €13,558 | €13,798 | €18,007 | €27,483 | €17,422 | ▼ 36.6% |
| Trade receivables40 | €95 | - | - | - | - | - |
| Other amounts receivable41 | €13,463 | €13,798 | €18,007 | €27,483 | €17,422 | ▼ 36.6% |
| Cash at bank and in hand54/58 | €148,936 | €151,149 | €80,351 | €107,449 | €102,584 | ▼ 4.5% |
| Deferred charges and accrued income490/1 | - | €60,005 | €9,868 | €12,877 | €6,820 | ▼ 47.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €206,384 | €268,238 | €306,546 | €365,364 | €141,157 | ▼ 61.4% |
| Equity10/15 | €203,690 | €263,902 | €296,555 | €353,557 | €134,377 | ▼ 62.0% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €18,600 | ▲ 50.0% |
| Reserves13 | €191,290 | €251,502 | €284,155 | €341,157 | €115,777 | ▼ 66.1% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €189,430 | €249,642 | €284,155 | €341,157 | €115,777 | ▼ 66.1% |
| Amounts payable17/49 | €2,693 | €4,335 | €9,992 | €11,807 | €6,781 | ▼ 42.6% |
| Amounts payable within one year42/48 | €2,693 | €4,335 | €9,992 | €11,807 | €6,781 | ▼ 42.6% |
| Trade debts44 | - | €1,937 | €3,093 | €2,036 | €1,416 | ▼ 30.5% |
| Suppliers440/4 | - | €1,937 | €3,093 | €2,036 | €1,416 | ▼ 30.5% |
| Taxes, remuneration and social security45 | €1,753 | €2,398 | €6,898 | €9,771 | €2,896 | ▼ 70.4% |
| Taxes450/3 | - | €2,398 | €6,898 | €6,898 | - | - |
| Remuneration and social security454/9 | €1,753 | - | - | €2,873 | €2,896 | ▲ 0.8% |
| Other amounts payable47/48 | €940 | - | - | - | €2,469 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €47,841 | €60,212 | €53,705 | €69,682 | €75,033 | ▲ 7.7% |
| + Depreciation and write-downs630 | €1,047 | €604 | €1,698 | €11,597 | €12,723 | ▲ 9.7% |
| Operating cash flow (approximation) | €48,888 | €60,816 | €55,403 | €81,279 | €87,756 | ▲ 8.0% |
| Investment in fixed assets (approximation) | - | €0 | -€6,733 | -€30,831 | €0 | ▲ 100% |
| Change in cash | - | €2,213 | -€70,798 | €27,098 | -€4,865 | ▼ 118% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €75,033 ▲7.7%
Operating result €90,760, net result €75,033, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200,000Eq €203,690 ▲30.7%
4 profitable years in a row build equity to €203,690.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity times 14current ratio 80.03
Current ratio from 5.58 to 80.03; short-term debt falls from €21,408 to €1,916.
31-12
Financial
Equity above €150,000Eq €155,849 ▲32.7%
3 profitable years in a row build equity to €155,849.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €24,160 ▼20.7%
Net result drops to €24,160, the lowest in the series; recovery starts the following year.
Show earlier events
31-12
Financial
Equity above €100,000Eq €117,471 ▲25.9%
2 profitable years in a row build equity to €117,471.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Dessel · 2 establishment units since 2016
Ground area
524 m²
Building footprint
309 m²
Volume, LiDAR
1,986 m³
2 parcels, Flanders · tallest building 11.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
JoJa
since 20162.256.415.780
Kerkstraat 32, 2275 Lille
since 20232.349.331.090
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13019E0734/00C000 | Flanders | 427 m² | 1 · 211 m² | 11.4 m · 2 fl. |
| 13006B1199/00C000 | Flanders | 97 m² | 1 · 97 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 6,945 companies in sector 86230 we hold annual accounts for 4,296. 3,757 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-09-2016
Fiscal year end31-12
Activities, NACEBEL 2025
86230Dental practice
E-invoicing
Reachable via Peppol
Peppol ID
0208:0662460312
Also
9925:BE0662460312
Registered
29-09-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.