JOKA
ActiveSummary
JOKA has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€181,919) and a net result of -€40,778. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 8782 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability63=
Solvency3▼-6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.52 against 0.5 in 2024; short-term debt: 53.2% and cash: 9.3% of total assets), and equity is negative.
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Signals
Five 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-21.9%
Return on assets
-4.9%
Age of the figures
12 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€181,919
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 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
31 d late
2021
30 d late
2020
119 d late
2019
on the day
← 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 26 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 1 May (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close30-09-2026 today30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
-€181,919▼ 28.9%
2024 · -€141,141
Total assets
€829,839▼ 8.7%
2024 · €909,118
Net result
-€40,778▲ 10.0%
2024 · -€45,297
Working capital
-€209,881▲ 3.7%
2024 · -€217,889
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€127,632▲ 1.5%-€68,923-€31,207▲ 54.7%-€42,654▼ 36.7%-€37,397▲ 12.3%
Net result€136,233above the sector's middle half▼ 9.2%-€55,407below the sector's middle half-€20,314below the sector's middle half▲ 63.3%-€45,297below the sector's middle half▼ 123%-€40,778below the sector's middle half▲ 10.0%
Equity-€20,123below the sector's middle half▲ 87.1%-€75,530below the sector's middle half▼ 275%-€95,844below the sector's middle half▼ 26.9%-€141,141below the sector's middle half▼ 47.3%-€181,919below the sector's middle half▼ 28.9%
Total assets€1.5mwithin the sector's middle half▲ 4.4%€1.1mwithin the sector's middle half▼ 25.1%€1.1mwithin the sector's middle half▼ 0.4%€909,118within the sector's middle half▼ 18.1%€829,839within the sector's middle half▼ 8.7%
Debt€1.5m▼ 4.5%€1.2m▼ 21.4%€1.2m▲ 1.8%€1.0m▼ 12.8%€988,663▼ 3.3%
Working capital-€494,963below the sector's middle half▲ 18.5%-€480,869below the sector's middle half▲ 2.8%-€374,835below the sector's middle half▲ 22.1%-€217,889below the sector's middle half▲ 41.9%-€209,881below the sector's middle half▲ 3.7%
Solvency-1.4%below the sector's middle half▲ 9.6pp-6.8%below the sector's middle half▼ 5.4pp-8.6%below the sector's middle half▼ 1.9pp-15.5%below the sector's middle half▼ 6.9pp-21.9%below the sector's middle half▼ 6.4pp
Current ratio0.49below the sector's middle half▲ 0.070.32below the sector's middle half▼ 0.170.46below the sector's middle half▲ 0.140.50below the sector's middle half▲ 0.040.52below the sector's middle half▲ 0.02
Return on assets (ROA)9.2%within the sector's middle half▼ 1.4pp-5.0%below the sector's middle half▼ 14.1pp-1.8%below the sector's middle half▲ 3.1pp-5.0%below the sector's middle half▼ 3.2pp-4.9%below the sector's middle half▲ 0.1pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy 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
The operating result stays negative: a loss of €37,397 in 2025 against €42,654 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €829,839
Fixed assets
€598,194 ▼ 13.4%
Current assets
€231,645 ▲ 6.1%
Key figures and ratios
EBITDA
€55,158▼
2024 · €57,601
Cash flow
€51,777▼
2024 · €54,958
Debt to equity
-5.43▲
2024 · -7.25
Interest coverage
9.84▲
2024 · 8.69
Debt ≤ 1 year
€441,525▲
2024 · €436,258
Debt > 1 year
€506,638▼
2024 · €545,828
Income taxes
€2,351▼
2024 · €4,583
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,242 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 93% are still going.
- Small
- 20 years or older
- negative equity
- a small loss
1.9%
went bankrupt
4.0%
stopped otherwise
93%
still going
A further 1.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 1,242 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 | €116,220 | €120,881 | €97,281 | €100,255 | €92,555 | ▼ 7.7% |
| Other operating charges640/8 | €13,317 | €17,953 | €13,317 | €15,085 | €14,444 | ▼ 4.2% |
| Gross operating margin9900 | €257,169 | €69,911 | €79,391 | €72,686 | €69,602 | ▼ 4.2% |
| Operating profit (loss)9901 | €127,632 | -€68,923 | -€31,207 | -€42,654 | -€37,397 | ▲ 12.3% |
| Financial income75/76B | €11,992 | €16,262 | €20,460 | €3,992 | €0 | ▼ 100.0% |
| Recurring financial income75 | €11,992 | €16,262 | €20,460 | €3,992 | €0 | ▼ 100.0% |
| Financial charges65/66B | €7,469 | €7,075 | €6,755 | €6,630 | €5,608 | ▼ 15.4% |
| Recurring financial charges65 | €7,469 | €7,075 | €6,755 | €6,630 | €5,608 | ▼ 15.4% |
| Profit (loss) for the period before taxes9903 | €132,155 | -€59,736 | -€17,502 | -€45,292 | -€43,004 | ▲ 5.1% |
| Transfer from deferred taxes780 | €4,578 | €4,578 | €4,578 | €4,578 | €4,578 | = |
| Income taxes67/77 | €500 | €249 | €7,390 | €4,583 | €2,351 | ▼ 48.7% |
| Profit (loss) for the period9904 | €136,233 | -€55,407 | -€20,314 | -€45,297 | -€40,778 | ▲ 10.0% |
| Transfer from tax-exempt reserves789 | €8,886 | €8,885 | €8,886 | €8,886 | €8,886 | = |
| Profit (loss) for the period to be appropriated9905 | €145,119 | -€46,522 | -€11,428 | -€36,411 | -€31,892 | ▲ 12.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.5m | €1.1m | €1.1m | €909,118 | €829,839 | ▼ 8.7% |
| Fixed assets21/28 | €1.0m | €888,286 | €791,004 | €690,749 | €598,194 | ▼ 13.4% |
| Intangible fixed assets21 | €37,022 | €34,844 | €32,667 | €30,489 | €28,311 | ▼ 7.1% |
| Tangible fixed assets22/27 | €963,155 | €844,452 | €749,347 | €651,270 | €560,893 | ▼ 13.9% |
| Land and buildings22 | €817,503 | €734,561 | €675,218 | €615,876 | €556,534 | ▼ 9.6% |
| Plant, machinery and equipment23 | €32,009 | €22,553 | €13,097 | €667 | €333 | ▼ 50.0% |
| Furniture and vehicles24 | €113,643 | €87,338 | €61,032 | €34,727 | €4,025 | ▼ 88.4% |
| Financial fixed assets28 | €8,990 | €8,990 | €8,990 | €8,990 | €8,990 | = |
| Current assets29/58 | €477,997 | €225,389 | €318,561 | €218,369 | €231,645 | ▲ 6.1% |
| Amounts receivable after more than one year29 | €124,900 | €99,900 | €49,900 | €49,900 | €49,900 | = |
| Other amounts receivable291 | €124,900 | €99,900 | €49,900 | €49,900 | €49,900 | = |
| Amounts receivable within one year40/41 | €154,577 | €113,182 | €231,169 | €135,751 | €104,811 | ▼ 22.8% |
| Trade receivables40 | €129,577 | €113,182 | €231,169 | €135,751 | €68,797 | ▼ 49.3% |
| Other amounts receivable41 | €25,000 | €0 | - | - | €36,014 | - |
| Cash at bank and in hand54/58 | €198,520 | €12,307 | €37,492 | €32,718 | €76,934 | ▲ 135% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.5m | €1.1m | €1.1m | €909,118 | €829,839 | ▼ 8.7% |
| Equity10/15 | -€20,123 | -€75,530 | -€95,844 | -€141,141 | -€181,919 | ▼ 28.9% |
| Contributions10/11 | €12,395 | €12,395 | €12,395 | €12,395 | €12,395 | = |
| Reserves13 | €138,485 | €129,600 | €120,714 | €111,828 | €102,942 | ▼ 7.9% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | €136,625 | €127,740 | €118,854 | €109,968 | €101,082 | ▼ 8.1% |
| Profit (loss) carried forward14 | -€171,003 | -€217,525 | -€228,953 | -€265,364 | -€297,256 | ▼ 12.0% |
| Provisions and deferred taxes16 | €41,405 | €36,828 | €32,250 | €27,673 | €23,095 | ▼ 16.5% |
| Deferred taxes168 | €41,405 | €36,828 | €32,250 | €27,673 | €23,095 | ▼ 16.5% |
| Amounts payable17/49 | €1.5m | €1.2m | €1.2m | €1.0m | €988,663 | ▼ 3.3% |
| Amounts payable after more than one year17 | €492,922 | €446,119 | €398,763 | €545,828 | €506,638 | ▼ 7.2% |
| Financial debts170/4 | €492,922 | €446,119 | €398,763 | €545,828 | €311,638 | ▼ 42.9% |
| Other amounts payable178/9 | - | - | - | - | €195,000 | - |
| Amounts payable within one year42/48 | €972,960 | €706,258 | €693,396 | €436,258 | €441,525 | ▲ 1.2% |
| Current portion of amounts payable after more than one year42 | €46,238 | €46,803 | €47,356 | €47,916 | €39,191 | ▼ 18.2% |
| Financial debts43 | €288,750 | €273,125 | €257,500 | €46,875 | €31,250 | ▼ 33.3% |
| Credit institutions430/8 | €93,750 | €78,125 | €62,500 | €46,875 | €31,250 | ▼ 33.3% |
| Other loans439 | €195,000 | €195,000 | €195,000 | €0 | - | - |
| Trade debts44 | €26,069 | - | €66,522 | €74,024 | €100,368 | ▲ 35.6% |
| Suppliers440/4 | €26,069 | - | €66,522 | €74,024 | €100,368 | ▲ 35.6% |
| Taxes, remuneration and social security45 | €40,607 | €21,305 | €26,702 | €41,671 | €94,526 | ▲ 127% |
| Taxes450/3 | €40,607 | €19,529 | €23,118 | €39,845 | €22,960 | ▼ 42.4% |
| Remuneration and social security454/9 | - | €1,776 | €3,584 | €1,826 | €71,565 | ▲ 3,819% |
| Other amounts payable47/48 | €571,296 | €365,025 | €295,316 | €225,772 | €176,191 | ▼ 22.0% |
| Accrued charges and deferred income492/3 | - | - | €81,000 | €40,500 | €40,500 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €136,233 | -€55,407 | -€20,314 | -€45,297 | -€40,778 | ▲ 10.0% |
| + Depreciation and write-downs630 | €116,220 | €120,881 | €97,281 | €100,255 | €92,555 | ▼ 7.7% |
| Operating cash flow (approximation) | €252,453 | €65,474 | €76,967 | €54,958 | €51,777 | ▼ 5.8% |
| Investment in fixed assets (approximation) | - | €0 | €1 | €0 | €0 | - |
| Change in cash | - | -€186,213 | €25,185 | -€4,774 | €44,216 | ▲ 1,026% |
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
26-03
State Gazette act
Shareholder decision · Director resignation
Director appointment · Permanent representative
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
30-09
Financial
Weakest financial yearnet -€55,407
Net result drops to -€55,407, the lowest in the series; recovery starts the following year.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 119 days late
2020
30-09
Financial
Highest result since 2018net €150,053 ▲114%
Net result €150,053, the highest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Back to profitnet €69,979
Net result €69,979 after one loss-making year.
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneState Gazette actNBB 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, Lier · 1 establishment unit since 2001
Ground area
596 m²
Building footprint
251 m²
Volume, LiDAR
1,809 m³
2 parcels, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Maasfortbaan 18, 2500 Lier
since 20012.116.409.643
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392C0016/00G003 | Flanders | 355 m² | 1 · 124 m² | 10.8 m · 3 fl. |
| 12392C0016/00C003 | Flanders | 241 m² | 1 · 127 m² | 12.0 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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 82,601 companies in sector 70200 we hold annual accounts for 52,615. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-03-2001
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
46180Agents specialised in the wholesale of other particular products
46900Non-specialised wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0474263880
Also
9925:BE0474263880
Registered
28-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.