JOKAFISC
ActiveSummary
JOKAFISC has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €265k and a net result of €26k. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-15
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 58.23 against 18.29 in 2024; short-term debt: 1.4% and cash: 14.1% of total assets), and 1.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% 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
98.6%
Return on assets
9.6%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
13 d early
2023
12 d early
2022
49 d early
2021
39 d early
2020
47 d early
2019
7 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€265k▲ 10.8%
2024 · €239k
2018: €96klowest in 8 years
2019: €120k▲ +24.4% vs 2018
2020: €134k▲ +11.6% vs 2019
2021: €145k▲ +8.1% vs 2020
2022: €155k▲ +7.2% vs 2021
2023: €184k▲ +18.6% vs 2022
2024: €239k▲ +29.7% vs 2023
2025: €265k▲ +10.8% vs 2024highest in 8 years
2018 → 2025
Total assets
€268k▲ 7.8%
2024 · €249k
2018: €97klowest in 8 years
2019: €149k▲ +54.2% vs 2018
2020: €151k▲ +1.5% vs 2019
2021: €158k▲ +4.1% vs 2020
2022: €161k▲ +2.4% vs 2021
2023: €192k▲ +18.9% vs 2022
2024: €249k▲ +29.8% vs 2023
2025: €268k▲ +7.8% vs 2024highest in 8 years
2018 → 2025
Net result
€26k▼ 52.7%
2024 · €55k
2018: €19k
2019: €23k▲ +26.0% vs 2018
2020: €14k▼ -40.8% vs 2019
2021: €11k▼ -21.7% vs 2020
2022: €10k▼ -4.5% vs 2021lowest in 8 years
2023: €29k▲ +178% vs 2022
2024: €55k▲ +89.2% vs 2023highest in 8 years
2025: €26k▼ -52.7% vs 2024
2018 → 2025
Working capital
€218k▲ 22.0%
2024 · €179k
2018: €95klowest in 8 years
2019: €104k▲ +9.3% vs 2018
2020: €105k▲ +1.1% vs 2019
2021: €119k▲ +13.5% vs 2020
2022: €136k▲ +14.2% vs 2021
2023: €172k▲ +26.0% vs 2022
2024: €179k▲ +4.1% vs 2023
2025: €218k▲ +22.0% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€145k-€155k▲ 7.2%€184k▲ 18.6%€239k▲ 29.7%€265k▲ 10.8%
2021: €145klowest in 5 years
2022: €155k▲ +7.2% vs 2021
2023: €184k▲ +18.6% vs 2022
2024: €239k▲ +29.7% vs 2023
2025: €265k▲ +10.8% vs 2024highest in 5 years
Operating result€19k-€20k▲ 6.6%€37k▲ 87.2%€68k▲ 83.4%€34k▼ 49.7%
2021: €19klowest in 5 years
2022: €20k▲ +6.6% vs 2021
2023: €37k▲ +87.2% vs 2022
2024: €68k▲ +83.4% vs 2023highest in 5 years
2025: €34k▼ -49.7% vs 2024
Net result€11k-€10k▼ 4.5%€29k▲ 178%€55k▲ 89.2%€26k▼ 52.7%
2021: €11k
2022: €10k▼ -4.5% vs 2021lowest in 5 years
2023: €29k▲ +178% vs 2022
2024: €55k▲ +89.2% vs 2023highest in 5 years
2025: €26k▼ -52.7% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €268k
Fixed assets
€46k ▼ 22.5%
Current assets
€222k ▲ 17.3%
Equity and liabilities €268k
Equity
€265k ▲ 10.8%
Debt
€4k ▼ 63.2%
Debt's share of the balance-sheet total falls from 4.2% to 1.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€48k▼
2024 · €79k
Cash flow
€39k▼
2024 · €66k
Current ratio
58.23▲
2024 · 18.29
Debt to equity
0.01▼
2024 · 0.04
ROE
9.8%▼
2024 · 22.9%
ROA
9.6%▼
2024 · 22.0%
Interest coverage
186.09▼
2024 · 297.60
Debt ≤ 1 year
€4k▼
2024 · €10k
Income taxes
€11k▼
2024 · €18k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€249k€268k▲
Fixed assets21/28€60k€46k▼
Tangible fixed assets22/27€60k€46k▼
Furniture and vehicles24€49k€37k▼
Other tangible fixed assets26€11k€9k▼
Financial fixed assets28€25€25=
Current assets29/58€189k€222k▲
Amounts receivable within one year40/41€18k€24k▲
Trade receivables40€13k€16k▲
Other amounts receivable41€6k€8k▲
Current investments50/53€125k€160k▲
Cash at bank and in hand54/58€46k€38k▼
Equity and liabilities
Total equity and liabilities10/49€249k€268k▲
Equity10/15€239k€265k▲
Contributions10/11€19k€19k=
Reserves13€104k€129k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€103k€128k▲
Profit (loss) carried forward14€116k€117k▲
Amounts payable17/49€10k€4k▼
Amounts payable within one year42/48€10k€4k▼
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Other amounts payable47/48€4k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€24k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€13k▲
Other operating charges640/8€1k€784▼
Gross operating margin9900€80k€48k▼
Operating profit (loss)9901€68k€34k▼
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€265€256▼
Recurring financial charges65€265€256▼
Profit (loss) for the period before taxes9903€72k€37k▼
Income taxes67/77€18k€11k▼
Profit (loss) for the period9904€55k€26k▼
Profit (loss) for the period to be appropriated9905€55k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€156k€142k▼
Profit (loss) brought forward from the previous period14P€101k€116k▲
Transfer to equity691/2€40k€25k▼
To other reserves6921€40k€25k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €24k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €9k | €9k | €11k | €13k | ▲ 22.8% |
| Other operating charges640/8 | €1k | €1k | €1k | €1k | €784 | ▼ 45.5% |
| Gross operating margin9900 | €29k | €30k | €48k | €80k | €48k | ▼ 39.8% |
| Operating profit (loss)9901 | €19k | €20k | €37k | €68k | €34k | ▼ 49.7% |
| Financial income75/76B | €56 | - | €266 | €5k | €3k | ▼ 35.1% |
| Recurring financial income75 | €56 | - | €266 | €5k | €3k | ▼ 35.1% |
| Financial charges65/66B | €443 | €389 | €465 | €265 | €256 | ▼ 3.5% |
| Recurring financial charges65 | €443 | €389 | €465 | €265 | €256 | ▼ 3.5% |
| Profit (loss) for the period before taxes9903 | €18k | €19k | €37k | €72k | €37k | ▼ 48.9% |
| Income taxes67/77 | €7k | €9k | €8k | €18k | €11k | ▼ 37.3% |
| Profit (loss) for the period9904 | €11k | €10k | €29k | €55k | €26k | ▼ 52.7% |
| Transfer from tax-exempt reserves789 | €20k | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €31k | €10k | €29k | €55k | €26k | ▼ 52.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €158k | €161k | €192k | €249k | €268k | ▲ 7.8% |
| Fixed assets21/28 | €28k | €19k | €13k | €60k | €46k | ▼ 22.5% |
| Tangible fixed assets22/27 | €28k | €19k | €13k | €60k | €46k | ▼ 22.5% |
| Furniture and vehicles24 | €16k | €8k | €157 | €49k | €37k | ▼ 23.6% |
| Other tangible fixed assets26 | €12k | €11k | €13k | €11k | €9k | ▼ 17.2% |
| Financial fixed assets28 | €25 | €25 | €25 | €25 | €25 | = |
| Current assets29/58 | €130k | €143k | €179k | €189k | €222k | ▲ 17.3% |
| Amounts receivable within one year40/41 | €12k | €9k | €14k | €18k | €24k | ▲ 30.3% |
| Trade receivables40 | €12k | €9k | €13k | €13k | €16k | ▲ 24.9% |
| Other amounts receivable41 | - | €60 | €1k | €6k | €8k | ▲ 42.9% |
| Current investments50/53 | - | - | €125k | €125k | €160k | ▲ 28.0% |
| Cash at bank and in hand54/58 | €117k | €134k | €40k | €46k | €38k | ▼ 17.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €158k | €161k | €192k | €249k | €268k | ▲ 7.8% |
| Equity10/15 | €145k | €155k | €184k | €239k | €265k | ▲ 10.8% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €24k | €44k | €64k | €104k | €129k | ▲ 24.0% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €23k | €43k | €63k | €103k | €128k | ▲ 24.4% |
| Profit (loss) carried forward14 | €102k | €92k | €101k | €116k | €117k | ▲ 0.8% |
| Amounts payable17/49 | €13k | €6k | €8k | €10k | €4k | ▼ 63.2% |
| Amounts payable after more than one year17 | €3k | - | - | - | - | - |
| Financial debts170/4 | €3k | - | - | - | - | - |
| Amounts payable within one year42/48 | €10k | €6k | €7k | €10k | €4k | ▼ 63.2% |
| Current portion of amounts payable after more than one year42 | €6k | €3k | - | - | - | - |
| Trade debts44 | €206 | €805 | €2k | €2k | - | - |
| Suppliers440/4 | €206 | €805 | €2k | €2k | - | - |
| Taxes, remuneration and social security45 | €694 | €2k | €3k | €5k | €3k | ▼ 46.5% |
| Taxes450/3 | €694 | €2k | €3k | €5k | €3k | ▼ 46.5% |
| Other amounts payable47/48 | €3k | €469 | €2k | €4k | €1k | ▼ 64.0% |
| Accrued charges and deferred income492/3 | - | - | €600 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11k | €10k | €29k | €55k | €26k | ▼ 52.7% |
| + Depreciation and write-downs630 | €10k | €9k | €9k | €11k | €13k | ▲ 22.8% |
| Operating cash flow (approximation) | €20k | €20k | €38k | €66k | €39k | ▼ 40.1% |
| Investment in fixed assets (approximation) | - | €0 | €-3k | €-58k | €0 | ▲ 100% |
| Change in cash | - | €17k | €-94k | €6k | €-8k | ▼ 227% |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 58.23
Current ratio from 18.29 to 58.23; short-term debt falls from €10k to €4k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €55k ▲89.2%
Operating result €68k, net result €55k, both a record.
31-12
Financial
Equity above €200kEq €239k ▲29.7%
7 profitable years in a row build equity to €239k.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €10k ▼4.5%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €155k ▲7.2%
5 profitable years in a row build equity to €155k.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Equity above €100kEq €120k ▲24.4%
2 profitable years in a row build equity to €120k.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
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 2 acts read
About the unread acts
We know of 2 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
2 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 2013
Ground area
844 m²
Building footprint
150 m²
Parcel 45504A0444/00H002, Flanders. Linked by address, not a title deed.
1 establishment unit
JOKAFISC
since 20132.224.833.768
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45504A0444/00H002 | Flanders | 844 m² | 1 · 150 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,081 EUR awarded · 2,081 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 584 EUR | 584 EUR |
| 2024 | 1 | 638 EUR | 638 EUR |
| 2023 | 1 | 378 EUR | 378 EUR |
| 2022 | 1 | 481 EUR | 481 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,177 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
Founded12-12-2013
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Scores and ratios are computed by Checked and are not a credit decision.