JOLA
ActiveSummary
JOLA has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €359,352 and a net result of -€9,832. Equity remains stable across the filed fiscal years (±0.7% per year). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability65▲+4
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 17.68 against 56.79 in 2023; short-term debt: 1.2% and cash: 20.2% of total assets), and 1.2% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% 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 2024Solvency, return and age of the figures
Solvency
98.8%
Return on assets
-2.7%
Age of the figures
21 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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
31 d early
2023
43 d early
2022
31 d early
2021
4 d early
2020
17 d early
2019
8 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 24 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 (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
In the rankings
#6 oldest company in Heusden-Zolder, Real estate sector
Equity
€359,352▼ 2.7%
2023 · €369,184
Total assets
€363,592▼ 1.8%
2023 · €370,197
Net result
-€9,832▲ 54.5%
2023 · -€21,614
Working capital
€70,732▲ 25.1%
2023 · €56,540
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate 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
Line20202021202220232024
Operating result€7,598▼ 59.1%-€13,228€24,655-€21,701-€10,045▲ 53.7%
Net result€5,218within the sector's middle half▲ 70.8%-€13,403below the sector's middle half€19,763within the sector's middle half-€21,614below the sector's middle half-€9,832within the sector's middle half▲ 54.5%
Equity€384,438above the sector's middle half▲ 1.4%€371,035above the sector's middle half▼ 3.5%€390,798above the sector's middle half▲ 5.3%€369,184above the sector's middle half▼ 5.5%€359,352above the sector's middle half▼ 2.7%
Total assets€397,873within the sector's middle half▼ 42.5%€385,810within the sector's middle half▼ 3.0%€439,995within the sector's middle half▲ 14.0%€370,197within the sector's middle half▼ 15.9%€363,592within the sector's middle half▼ 1.8%
Debt€13,435▼ 95.7%€14,775▲ 10.0%€49,197▲ 233%€1,013▼ 97.9%€4,240▲ 318%
Working capital€187,134above the sector's middle half▼ 61.1%€180,409above the sector's middle half▼ 3.6%€65,072within the sector's middle half▼ 63.9%€56,540within the sector's middle half▼ 13.1%€70,732within the sector's middle half▲ 25.1%
Solvency96.6%above the sector's middle half▲ 41.9pp96.2%above the sector's middle half▼ 0.5pp88.8%above the sector's middle half▼ 7.4pp99.7%above the sector's middle half▲ 10.9pp98.8%above the sector's middle half▼ 0.9pp
Current ratio38.17above the sector's middle half▼ 4.4129.30above the sector's middle half▼ 8.872.32within the sector's middle half▼ 26.9856.79above the sector's middle half▲ 54.4717.68above the sector's middle half▼ 39.11
Return on assets (ROA)1.3%within the sector's middle half▲ 0.9pp-3.5%below the sector's middle half▼ 4.8pp4.5%within the sector's middle half▲ 8.0pp-5.8%below the sector's middle half▼ 10.3pp-2.7%below the sector's middle half▲ 3.1pp
Staff (FTE)0.3below the sector's middle half=0.5▲ 66.7%
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10,045 in 2024 against €21,701 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €363,592
Fixed assets
€288,621 ▼ 7.7%
Current assets
€74,971 ▲ 30.3%
Equity and liabilities €363,592
Equity
€359,352 ▼ 2.7%
Debt
€4,240 ▲ 318%
Debt's share of the balance-sheet total rises from 0.3% to 1.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€25,352▲
2023 · €13,696
Cash flow
€25,565▲
2023 · €13,782
Debt to equity
0.01▲
2023 · 0.00
ROE
-2.7%▲
2023 · -5.9%
Interest coverage
698.39▲
2023 · 103.58
Debt ≤ 1 year
€4,240▲
2023 · €1,013
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.7%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% 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 497,340 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 12,321 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €4,084 | €41,681 | - | - | - |
| Remuneration, social security and pensions62 | - | €471 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,258 | €20,026 | €28,312 | €35,396 | €35,396 | = |
| Other operating charges640/8 | - | €10,634 | €10,923 | €11,961 | €12,435 | ▲ 4.0% |
| Gross operating margin9900 | €41,978 | €17,903 | €63,890 | €25,657 | €37,787 | ▲ 47.3% |
| Operating profit (loss)9901 | €7,598 | -€13,228 | €24,655 | -€21,701 | -€10,045 | ▲ 53.7% |
| Financial income75/76B | - | €0 | €20 | €219 | €249 | ▲ 14.0% |
| Recurring financial income75 | €410 | €0 | €20 | €219 | €249 | ▲ 14.0% |
| Financial charges65/66B | - | €175 | €152 | €132 | €36 | ▼ 72.5% |
| Recurring financial charges65 | €56 | €175 | €152 | €132 | €36 | ▼ 72.5% |
| Profit (loss) for the period before taxes9903 | €7,951 | -€13,403 | €24,523 | -€21,614 | -€9,832 | ▲ 54.5% |
| Income taxes67/77 | €2,733 | - | €4,760 | - | - | - |
| Profit (loss) for the period9904 | €5,218 | -€13,403 | €19,763 | -€21,614 | -€9,832 | ▲ 54.5% |
| Profit (loss) for the period to be appropriated9905 | €5,218 | -€13,403 | €19,763 | -€21,614 | -€9,832 | ▲ 54.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €397,873 | €385,810 | €439,995 | €370,197 | €363,592 | ▼ 1.8% |
| Fixed assets21/28 | €205,703 | €199,026 | €325,726 | €312,644 | €288,621 | ▼ 7.7% |
| Tangible fixed assets22/27 | €205,505 | €198,828 | €325,527 | €312,446 | €288,422 | ▼ 7.7% |
| Land and buildings22 | - | €194,779 | €322,249 | €309,938 | €286,233 | ▼ 7.6% |
| Plant, machinery and equipment23 | - | €3,729 | €3,118 | €2,508 | €2,189 | ▼ 12.7% |
| Furniture and vehicles24 | - | €319 | €160 | - | - | - |
| Financial fixed assets28 | €198 | €198 | €198 | €198 | €198 | = |
| Current assets29/58 | €192,169 | €186,784 | €114,270 | €57,553 | €74,971 | ▲ 30.3% |
| Amounts receivable within one year40/41 | €22,585 | €26,798 | €3,734 | €3,235 | €1,361 | ▼ 57.9% |
| Trade receivables40 | - | €18,760 | €3,493 | €1,908 | - | - |
| Other amounts receivable41 | - | €8,038 | €240 | €1,327 | €1,361 | ▲ 2.5% |
| Cash at bank and in hand54/58 | €169,584 | €159,600 | €110,151 | €54,318 | €73,611 | ▲ 35.5% |
| Deferred charges and accrued income490/1 | - | €386 | €386 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €397,873 | €385,810 | €439,995 | €370,197 | €363,592 | ▼ 1.8% |
| Equity10/15 | €384,438 | €371,035 | €390,798 | €369,184 | €359,352 | ▼ 2.7% |
| Contributions10/11 | €218,146 | €218,146 | €218,146 | €218,146 | €218,146 | = |
| Capital10 | - | €218,146 | €218,146 | €218,146 | €218,146 | = |
| Issued capital100 | - | €218,146 | €218,146 | €218,146 | €218,146 | = |
| Reserves13 | €166,291 | €152,888 | €172,652 | €151,038 | €141,206 | ▼ 6.5% |
| Non-distributable reserves130/1 | - | €21,815 | €21,815 | €21,815 | €21,815 | = |
| Legal reserve130 | - | €21,815 | €21,815 | €21,815 | €21,815 | = |
| Distributable reserves133 | - | €131,074 | €150,837 | €129,223 | €119,391 | ▼ 7.6% |
| Amounts payable17/49 | €13,435 | €14,775 | €49,197 | €1,013 | €4,240 | ▲ 318% |
| Amounts payable after more than one year17 | €8,400 | €8,400 | - | - | - | - |
| Other amounts payable178/9 | - | €8,400 | - | - | - | - |
| Amounts payable within one year42/48 | €5,035 | €6,375 | €49,197 | €1,013 | €4,240 | ▲ 318% |
| Trade debts44 | €2,120 | €6,229 | €21,570 | €190 | €660 | ▲ 247% |
| Suppliers440/4 | - | €6,229 | €21,570 | €190 | €660 | ▲ 247% |
| Advances received on contracts in progress46 | - | €120 | €270 | €823 | €3,580 | ▲ 335% |
| Taxes, remuneration and social security45 | - | €26 | €4,857 | - | - | - |
| Taxes450/3 | - | - | €4,857 | - | - | - |
| Remuneration and social security454/9 | - | €26 | - | - | - | - |
| Other amounts payable47/48 | - | - | €22,500 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,218 | -€13,403 | €19,763 | -€21,614 | -€9,832 | ▲ 54.5% |
| + Depreciation and write-downs630 | €20,258 | €20,026 | €28,312 | €35,396 | €35,396 | = |
| Operating cash flow (approximation) | €25,476 | €6,623 | €48,075 | €13,782 | €25,565 | ▲ 85.5% |
| Investment in fixed assets (approximation) | - | -€13,348 | -€155,011 | -€22,315 | -€11,373 | ▲ 49.0% |
| Change in cash | - | -€9,984 | -€49,449 | -€55,833 | €19,293 | ▲ 135% |
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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€21,614
Net result drops to -€21,614, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 24current ratio 56.79
Current ratio from 2.32 to 56.79; short-term debt falls from €49,197 to €1,013.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €19,763
Net result €19,763 after one loss-making year.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity quadruplescurrent ratio 42.57
Current ratio from 9.86 to 42.57; short-term debt falls from €52,643 to €11,567.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Heusden-Zolder · 1 establishment unit since 1986
Ground area
5,728 m²
Building footprint
2,389 m²
Volume, LiDAR
13,433 m³
2 parcels, Flanders · tallest building 13.4 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
DEN INAKKER
since 19862.029.011.950
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065B0233/00W000 | Flanders | 5,313 m² | 1 · 1,976 m² | 13.4 m · 1 fl. |
| 71065B0220/00Z000 | Flanders | 415 m² | 1 · 413 m² | 7.2 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 9,144 companies in sector 68201 we hold annual accounts for 6,775. 5,032 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded16-10-1985
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0428020517
Registered
20-08-2025
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.