JOKA
ActiveSummary
JOKA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €2k. Equity is growing by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 59% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability34▲+4
Solvency80▲+8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 3.16 against 2.72 in 2024; short-term debt: 29.9% of total assets), and 45.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more 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
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 12-11-2025, 12 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
12 d late
2024
29 d late
2023
34 d early
2022
on the day
2021
20 d early
2020
19 d early
2019
136 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▲ 4.3%
2024 · €36k
Total assets
€68k▼ 11.1%
2024 · €77k
Net result
€2k▲ 2,974%
2024 · €51
Working capital
€44k▼ 3.6%
2024 · €46k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€19k▲ 418%€6k▼ 68.3%€12k▲ 98.3%€2k▼ 79.4%€6k▲ 165%
Net result€16k▲ 1,613%€4k▼ 72.3%€9k▲ 110%€51▼ 99.5%€2k▲ 2,974%
Equity€22k▲ 252%€27k▲ 19.9%€36k▲ 34.7%€36k▲ 0.1%€37k▲ 4.3%
Total assets€57k▲ 28.4%€59k▲ 2.9%€70k▲ 19.3%€77k▲ 9.5%€68k▼ 11.1%
Debt€35k▼ 8.6%€32k▼ 7.9%€34k▲ 6.5%€41k▲ 19.3%€31k▼ 24.6%
Working capital€14k€20k▲ 40.4%€31k▲ 53.5%€46k▲ 47.5%€44k▼ 3.6%
Staff (FTE)0.7=1▲ 42.9%1=1=1=
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 165% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68k
Fixed assets
€4k ▼ 15.3%
Current assets
€64k ▼ 10.8%
Equity and liabilities €68k
Equity
€37k ▲ 4.3%
Debt
€31k ▼ 24.6%
Debt's share of the balance-sheet total falls from 53.2% to 45.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▲
2024 · €4k
Cash flow
€2k▲
2024 · €2k
Current ratio
3.16▲
2024 · 2.72
Quick ratio
2.96▲
2024 · 2.58
Debt to equity
0.82▼
2024 · 1.14
ROE
4.2%▲
2024 · 0.1%
ROA
2.3%▲
2024 · 0.1%
Interest coverage
1.50▲
2024 · 1.32
Debt ≤ 1 year
€20k▼
2024 · €27k
Debt > 1 year
€10k▼
2024 · €14k
Income taxes
€155▲
2024 · €5
Staff costs
€27k▲
2024 · €25k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €16k | €24k | €25k | €27k | ▲ 9.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €4k | €4k | €2k | €679 | ▼ 65.6% |
| Other operating charges640/8 | - | €811 | €640 | €792 | €787 | ▼ 0.7% |
| Gross operating margin9900 | €25k | €26k | €40k | €30k | €35k | ▲ 16.7% |
| Operating profit (loss)9901 | €19k | €6k | €12k | €2k | €6k | ▲ 165% |
| Financial income75/76B | - | €2k | €2k | €954 | €7 | ▼ 99.3% |
| Recurring financial income75 | €877 | €2k | €2k | €954 | €7 | ▼ 99.3% |
| Financial charges65/66B | - | €3k | €3k | €3k | €5k | ▲ 42.3% |
| Recurring financial charges65 | €3k | €3k | €3k | €3k | €5k | ▲ 42.3% |
| Profit (loss) for the period before taxes9903 | €17k | €5k | €10k | €56 | €2k | ▲ 2,974% |
| Income taxes67/77 | €1k | €441 | €923 | €5 | €155 | ▲ 2,972% |
| Profit (loss) for the period9904 | €16k | €4k | €9k | €51 | €2k | ▲ 2,974% |
| Profit (loss) for the period to be appropriated9905 | €16k | €4k | €9k | €51 | €2k | ▲ 2,974% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €57k | €59k | €70k | €77k | €68k | ▼ 11.1% |
| Fixed assets21/28 | €10k | €6k | €5k | €4k | €4k | ▼ 15.3% |
| Tangible fixed assets22/27 | €9k | €5k | €4k | €3k | €3k | ▼ 21.0% |
| Land and buildings22 | - | €2k | €2k | €923 | €813 | ▼ 11.9% |
| Plant, machinery and equipment23 | - | €3k | €2k | €2k | €2k | ▼ 24.7% |
| Furniture and vehicles24 | - | €328 | €130 | - | - | - |
| Financial fixed assets28 | €1k | €1k | €1k | €1k | €1k | = |
| Current assets29/58 | €47k | €52k | €65k | €72k | €64k | ▼ 10.8% |
| Amounts receivable after more than one year29 | - | €28k | €51k | €38k | - | - |
| Other amounts receivable291 | - | €28k | €51k | €38k | - | - |
| Stocks and contracts in progress3 | €2k | €2k | €3k | €4k | €4k | ▲ 10.5% |
| Stocks30/36 | - | €2k | €3k | €4k | €4k | ▲ 10.5% |
| Amounts receivable within one year40/41 | €42 | €12k | €132 | €23k | €59k | ▲ 160% |
| Trade receivables40 | - | €1k | €131 | €5k | €2k | ▼ 52.5% |
| Other amounts receivable41 | - | €10k | €1 | €18k | €57k | ▲ 213% |
| Cash at bank and in hand54/58 | €8k | €10k | €7k | €5k | - | - |
| Deferred charges and accrued income490/1 | - | €1k | €3k | €3k | €1k | ▼ 59.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €57k | €59k | €70k | €77k | €68k | ▼ 11.1% |
| Equity10/15 | €22k | €27k | €36k | €36k | €37k | ▲ 4.3% |
| Contributions10/11 | - | €7k | €7k | €7k | €7k | = |
| Reserves13 | €15k | €20k | €29k | €29k | €30k | ▲ 5.4% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €17k | €27k | €27k | €28k | ▲ 5.8% |
| Profit (loss) carried forward14 | €-4k | - | - | - | - | - |
| Amounts payable17/49 | €35k | €32k | €34k | €41k | €31k | ▼ 24.6% |
| Amounts payable after more than one year17 | €2k | - | - | €14k | €10k | ▼ 27.1% |
| Financial debts170/4 | - | - | - | €14k | €10k | ▼ 27.1% |
| Amounts payable within one year42/48 | €33k | €32k | €34k | €27k | €20k | ▼ 23.2% |
| Current portion of amounts payable after more than one year42 | - | €2k | - | €4k | €4k | ▲ 9.0% |
| Financial debts43 | - | €12k | €9k | €7k | €5k | ▼ 20.9% |
| Credit institutions430/8 | - | €12k | €9k | €7k | €5k | ▼ 20.9% |
| Trade debts44 | €7k | €8k | €9k | €7k | €7k | ▲ 11.8% |
| Suppliers440/4 | - | €8k | €9k | €7k | €7k | ▲ 11.8% |
| Taxes, remuneration and social security45 | - | €10k | €12k | €10k | €4k | ▼ 61.1% |
| Taxes450/3 | - | €3k | €3k | €3k | - | - |
| Remuneration and social security454/9 | - | €7k | €9k | €7k | €4k | ▼ 44.8% |
| Other amounts payable47/48 | - | - | €4k | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €11 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16k | €4k | €9k | €51 | €2k | ▲ 2,974% |
| + Depreciation and write-downs630 | €4k | €4k | €4k | €2k | €679 | ▼ 65.6% |
| Operating cash flow (approximation) | €20k | €8k | €13k | €2k | €2k | ▲ 10.4% |
| Investment in fixed assets (approximation) | - | €0 | €-2k | €-2k | €0 | ▲ 100% |
| Change in cash | - | €2k | €-3k | €-2k | - | - |
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
2025
12-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
31-03
Financial
Weakest financial yearnet €51 ▼99.5%
Net result drops to €51, the lowest in the series; recovery starts the following year.
2023
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2019net €16k ▲1,613%
Operating result €19k, net result €16k, both a record.
2020
12-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Leuven · 1 establishment unit since 2005
Ground area
374 m²
Building footprint
374 m²
Volume, LiDAR
3,263 m³
Parcel 24482F0141/00D000, Flanders · tallest building 14.2 m, ±3 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
JOKA
since 20052.146.290.294
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24482F0141/00D000 | Flanders | 374 m² | 1 · 374 m² | 14.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 7,299 companies in sector 43350 we hold annual accounts for 2,360. 1,954 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
Founded18-02-2005
Fiscal year end31-03
Activities, NACEBEL 2025
43350Other building finishing work
41001General construction of residential buildings
81210General cleaning of buildings
Scores and ratios are computed by Checked and are not a credit decision.