Summary
JOLERIEV is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.8m and a net result of -€165,640. Equity is shrinking by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 45% of 8102 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
23 d late
2023
267 d late
2022
3 d late
2021
78 d early
2020
4 d early
2019
94 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 17 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 3 May (4 of the last 5 filed years within 81 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, micro schema
Equity
€1.8m▼ 8.6%
2024 · €1.9m
Net result
-€165,640▲ 23.2%
2024 · -€215,698
Total assets
€3.9m▼ 7.6%
2024 · €4.2m
Solvency
45.8%▼ 0.5pp
2024 · 46.3%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
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 64, Financial service activities, except insurance and pension funding, 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), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€70,935▼ 23.8%€17,166▼ 75.8%-€358,211-€213,755▲ 40.3%-€216,219▼ 1.2%
Net result€50,617within the sector's middle half▼ 11.9%€8,428within the sector's middle half▼ 83.3%-€3.0mbelow the sector's middle half-€215,698below the sector's middle half▲ 92.8%-€165,640below the sector's middle half▲ 23.2%
Equity€5.1mabove the sector's middle half▲ 1.0%€5.1mabove the sector's middle half▲ 0.2%€2.1mabove the sector's middle half▼ 58.1%€1.9mabove the sector's middle half▼ 10.0%€1.8mabove the sector's middle half▼ 8.6%
Total assets€6.5mabove the sector's middle half▼ 2.4%€6.7mabove the sector's middle half▲ 3.3%€4.1mabove the sector's middle half▼ 39.4%€4.2mabove the sector's middle half▲ 2.2%€3.9mabove the sector's middle half▼ 7.6%
Debt€1.4m▼ 13.1%€1.6m▲ 14.7%€1.9m▲ 20.5%€2.2m▲ 15.8%€2.1m▼ 6.7%
Working capital-€188,863below the sector's middle half▲ 25.1%-€261,785below the sector's middle half▼ 38.6%€366,150above the sector's middle half-€390,291below the sector's middle half-€904,518below the sector's middle half▼ 132%
Solvency78.5%above the sector's middle half▲ 2.6pp76.2%within the sector's middle half▼ 2.4pp52.6%within the sector's middle half▼ 23.5pp46.3%within the sector's middle half▼ 6.3pp45.8%within the sector's middle half▼ 0.5pp
Current ratio0.86within the sector's middle half▲ 0.020.79within the sector's middle half▼ 0.071.22within the sector's middle half▲ 0.440.80within the sector's middle half▼ 0.430.50below the sector's middle half▼ 0.30
Return on assets (ROA)0.8%below the sector's middle half▼ 0.1pp0.1%below the sector's middle half▼ 0.7pp-73.0%below the sector's middle half▼ 73.1pp-5.2%below the sector's middle half▲ 67.8pp-4.3%below the sector's middle half▲ 0.9pp
Staff (FTE)11=1=
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €216,219 in 2025 against €213,755 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.9m
Fixed assets
€3.0m ▲ 11.6%
Current assets
€892,904 ▼ 41.1%
Equity and liabilities €3.9m
Equity
€1.8m ▼ 8.6%
Debt
€2.1m ▼ 6.7%
Debt's share of the balance-sheet total rises from 53.7% to 54.2%. Equity and debt are lower.
Key figures and ratios
ROE
-9.4%▲
2024 · -11.2%
Debt ≤ 1 year
€1.8m▼
2024 · €1.9m
Debt > 1 year
€212,331▼
2024 · €256,157
Income taxes
€1,519▼
2024 · €2,859
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €5,374 | €26,741 | ▲ 398% |
| Remuneration, social security and pensions62 | - | €29,395 | €29,305 | €28,056 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,544 | €17,552 | €58,706 | €99,563 | €141,043 | ▲ 41.7% |
| Other operating charges640/8 | - | €13,401 | €4,089 | €8,258 | €14,696 | ▲ 78.0% |
| Non-recurring operating charges66A | - | - | €204,508 | - | - | - |
| Gross operating margin9900 | €88,931 | €77,514 | -€61,603 | -€77,878 | -€60,480 | ▲ 22.3% |
| Operating profit (loss)9901 | €70,935 | €17,166 | -€358,211 | -€213,755 | -€216,219 | ▼ 1.2% |
| Financial income75/76B | - | €702 | €8,910 | €28,227 | €83,258 | ▲ 195% |
| Recurring financial income75 | - | €702 | €8,910 | €28,227 | €83,258 | ▲ 195% |
| Financial charges65/66B | - | €6,030 | €2.6m | €27,310 | €31,160 | ▲ 14.1% |
| Recurring financial charges65 | €1,794 | €6,030 | €2.6m | €27,310 | €31,160 | ▲ 14.1% |
| Profit (loss) for the period before taxes9903 | €69,141 | €11,837 | -€3.0m | -€212,838 | -€164,121 | ▲ 22.9% |
| Income taxes67/77 | €18,524 | €3,409 | - | €2,859 | €1,519 | ▼ 46.9% |
| Profit (loss) for the period9904 | €50,617 | €8,428 | -€3.0m | -€215,698 | -€165,640 | ▲ 23.2% |
| Profit (loss) for the period to be appropriated9905 | €50,617 | €8,428 | -€3.0m | -€215,698 | -€165,640 | ▲ 23.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.5m | €6.7m | €4.1m | €4.2m | €3.9m | ▼ 7.6% |
| Fixed assets21/28 | €5.4m | €5.8m | €2.1m | €2.7m | €3.0m | ▲ 11.6% |
| Tangible fixed assets22/27 | €1.4m | €1.8m | €2.1m | €2.7m | €3.0m | ▲ 11.6% |
| Land and buildings22 | - | - | - | - | €349,562 | - |
| Plant, machinery and equipment23 | - | - | - | €617 | €483 | ▼ 21.7% |
| Furniture and vehicles24 | - | - | €6,667 | €95,718 | €70,975 | ▼ 25.8% |
| Other tangible fixed assets26 | - | €1.8m | €2.1m | €2.6m | €2.5m | ▼ 0.7% |
| Financial fixed assets28 | €4.0m | €4.0m | - | - | - | - |
| Current assets29/58 | €1.1m | €971,030 | €2.0m | €1.5m | €892,904 | ▼ 41.1% |
| Amounts receivable within one year40/41 | €33,810 | €221,061 | €324,791 | €396,990 | €268,412 | ▼ 32.4% |
| Trade receivables40 | - | €2,939 | €28,477 | €175,704 | €38,448 | ▼ 78.1% |
| Other amounts receivable41 | - | €218,122 | €296,315 | €221,286 | €229,964 | ▲ 3.9% |
| Current investments50/53 | €78 | €78 | €1.3m | €1.1m | €570,418 | ▼ 48.0% |
| Cash at bank and in hand54/58 | €1.1m | €749,891 | €393,892 | €21,666 | €49,556 | ▲ 129% |
| Deferred charges and accrued income490/1 | - | - | - | €1,127 | €4,518 | ▲ 301% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.5m | €6.7m | €4.1m | €4.2m | €3.9m | ▼ 7.6% |
| Equity10/15 | €5.1m | €5.1m | €2.1m | €1.9m | €1.8m | ▼ 8.6% |
| Contributions10/11 | - | €4.0m | €4.0m | €4.0m | €4.0m | = |
| Reserves13 | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | = |
| Non-distributable reserves130/1 | - | €400,400 | €400,400 | €400,400 | €400,400 | = |
| Reserves not available under the articles1311 | - | €400,400 | €400,400 | €400,400 | €400,400 | = |
| Distributable reserves133 | - | €718,897 | €718,897 | €718,897 | €718,897 | = |
| Profit (loss) carried forward14 | - | - | -€3.0m | -€3.2m | -€3.4m | ▼ 5.2% |
| Amounts payable17/49 | €1.4m | €1.6m | €1.9m | €2.2m | €2.1m | ▼ 6.7% |
| Amounts payable after more than one year17 | - | €294,968 | €219,634 | €256,157 | €212,331 | ▼ 17.1% |
| Financial debts170/4 | - | €294,968 | €219,634 | €256,157 | €212,331 | ▼ 17.1% |
| Amounts payable within one year42/48 | €1.3m | €1.2m | €1.6m | €1.9m | €1.8m | ▼ 5.7% |
| Current portion of amounts payable after more than one year42 | - | €339,983 | €390,349 | €517,771 | €551,776 | ▲ 6.6% |
| Financial debts43 | - | - | €305,000 | €305,000 | €705,000 | ▲ 131% |
| Credit institutions430/8 | - | - | €305,000 | €305,000 | €705,000 | ▲ 131% |
| Trade debts44 | €4,738 | €93,932 | €56,467 | €207,059 | €55,443 | ▼ 73.2% |
| Suppliers440/4 | - | €93,932 | €56,467 | €207,059 | €55,443 | ▼ 73.2% |
| Advances received on contracts in progress46 | - | - | - | €5,482 | - | - |
| Taxes, remuneration and social security45 | - | €9,989 | €15,566 | €6,572 | €7,365 | ▲ 12.1% |
| Taxes450/3 | - | €4,775 | €8,935 | €4,095 | €7,365 | ▲ 79.9% |
| Remuneration and social security454/9 | - | €5,214 | €6,631 | €2,477 | - | - |
| Other amounts payable47/48 | - | €788,912 | €869,485 | €864,546 | €477,837 | ▼ 44.7% |
| Accrued charges and deferred income492/3 | - | €75,402 | €75,402 | €75,402 | €78,397 | ▲ 4.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €50,617 | €8,428 | -€3.0m | -€215,698 | -€165,640 | ▲ 23.2% |
| + Depreciation and write-downs630 | €12,544 | €17,552 | €58,706 | €99,563 | €141,043 | ▲ 41.7% |
| Operating cash flow (approximation) | €63,161 | €25,980 | -€2.9m | -€116,135 | -€24,598 | ▲ 78.8% |
| Investment in fixed assets (approximation) | - | -€395,574 | €3.6m | -€676,829 | -€448,799 | ▲ 33.7% |
| Change in cash | - | -€351,689 | -€355,999 | -€372,226 | €27,890 | ▲ 107% |
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
22-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 267 days late
2023
30-09
Financial
Weakest financial yearnet -€3.0m
Net result drops to -€3.0m, the lowest in the series; recovery starts the following year.
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
11-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €57,441 ▲55.8%
Operating result €93,092, net result €57,441, both a record.
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
01-02
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 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, Zoersel · 1 establishment unit since 2012
Ground area
2,741 m²
Building footprint
198 m²
Volume, LiDAR
995 m³
Parcel 11453I0102/00A000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
JOLERIEV
since 20122.217.343.091
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11453I0102/00A000 | Flanders | 2,741 m² | 1 · 198 m² | 11.0 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
8945003JBO9557V81G45
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 11,301 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
Founded27-09-2012
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0849133347
Registered
21-10-2025
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.