JOLESO
ActiveSummary
JOLESO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €324k and a net result of €132k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 60% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+1
Solvency69▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.84 in 2024; short-term debt: 25% and cash: 3.2% of total assets), but 56.1% of the assets are financed with debt.
Credit advice 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
43.9%
Return on assets
17.9%
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
28 d late
2023
23 d early
2022
11 d early
2021
45 d early
2020
23 d early
2019
29 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€324k▼ 8.1%
2024 · €352k
2018: €59k
2019: €94k
2020: €118k
2021: €187k
2022: €245k
2023: €287k
2024: €352k
2018 → 2025
Total assets
€738k▼ 6.7%
2024 · €791k
2018: €176k
2019: €209k
2020: €264k
2021: €536k
2022: €683k
2023: €718k
2024: €791k
2018 → 2025
Net result
€132k▼ 1.9%
2024 · €135k
2018: €51k
2019: €95k
2020: €124k
2021: €68k
2022: €119k
2023: €102k
2024: €135k
2018 → 2025
Working capital
€118k▼ 25.1%
2024 · €157k
2018: €25k
2019: €60k
2020: €79k
2021: €95k
2022: €84k
2023: €101k
2024: €157k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€187k-€245k▲ 31.5%€287k▲ 17.2%€352k▲ 22.6%€324k▼ 8.1%
Operating result€97k-€164k▲ 67.9%€148k▼ 9.3%€191k▲ 28.6%€186k▼ 2.7%
Net result€68k-€119k▲ 73.4%€102k▼ 14.0%€135k▲ 32.1%€132k▼ 1.9%
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 falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €738k
Fixed assets
€436k ▼ 2.7%
Current assets
€302k ▼ 11.9%
Equity and liabilities €738k
Equity
€324k ▼ 8.1%
Debt
€414k ▼ 5.6%
Debt's share of the balance-sheet total rises from 55.5% to 56.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€201k▼
2024 · €207k
Cash flow
€148k▼
2024 · €151k
Current ratio
1.64▼
2024 · 1.84
Quick ratio
1.62▼
2024 · 1.82
Debt to equity
1.28▲
2024 · 1.25
ROE
40.9%▲
2024 · 38.3%
ROA
17.9%▲
2024 · 17.1%
Interest coverage
20.51▼
2024 · 21.52
Debt ≤ 1 year
€184k▼
2024 · €186k
Debt > 1 year
€230k▼
2024 · €253k
Income taxes
€44k▼
2024 · €46k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€791k€738k▼
Fixed assets21/28€448k€436k▼
Tangible fixed assets22/27€313k€301k▼
Land and buildings22€277k€272k▼
Plant, machinery and equipment23€745€1k▲
Furniture and vehicles24€4k€417▼
Leasing and similar rights25€17k€16k▼
Other tangible fixed assets26€15k€12k▼
Financial fixed assets28€135k€135k=
Current assets29/58€343k€302k▼
Stocks and contracts in progress3€4k€3k▼
Stocks30/36€4k€3k▼
Amounts receivable within one year40/41€306k€275k▼
Trade receivables40€251k€251k▼
Other amounts receivable41€55k€25k▼
Cash at bank and in hand54/58€33k€23k▼
Deferred charges and accrued income490/1€1k€246▼
Equity and liabilities
Total equity and liabilities10/49€791k€738k▼
Equity10/15€352k€324k▼
Contributions10/11€19k€19k=
Reserves13€334k€305k▼
Distributable reserves133€334k€305k▼
Amounts payable17/49€439k€414k▼
Amounts payable after more than one year17€253k€230k▼
Financial debts170/4€253k€230k▼
Amounts payable within one year42/48€186k€184k▼
Current portion of amounts payable after more than one year42€25k€23k▼
Financial debts43€16k€33k▲
Credit institutions430/8€16k€33k▲
Trade debts44€33k€32k▼
Suppliers440/4€33k€32k▼
Advances received on contracts in progress46€1k€3k▲
Taxes, remuneration and social security45€51k€43k▼
Taxes450/3€49k€43k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€60k€50k▼
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Other operating charges640/8€4k€3k▼
Non-recurring operating charges66A-€75
Gross operating margin9900€211k€205k▼
Operating profit (loss)9901€191k€186k▼
Financial income75/76B€1€5▲
Recurring financial income75€1€5▲
Financial charges65/66B€10k€10k▲
Recurring financial charges65€10k€10k▲
Profit (loss) for the period before taxes9903€181k€176k▼
Income taxes67/77€46k€44k▼
Profit (loss) for the period9904€135k€132k▼
Profit (loss) for the period to be appropriated9905€135k€132k▼
Appropriation of the result
Profit (loss) to be appropriated9906€135k€132k▼
Transfer from equity791/2-€29k
Transfer to equity691/2€65k-
To other reserves6921€65k-
Profit to be distributed694/7€70k€161k▲
Return on contributions (dividend)694€70k€161k▲
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €135k ▲32.1%
Operating result €191k, net result €135k, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200kEq €245k ▲31.5%
5 profitable years in a row build equity to €245k.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €187k ▲58%
4 profitable years in a row build equity to €187k.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €118k ▲26.1%
3 profitable years in a row build equity to €118k.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ronse · 1 establishment unit since 2014
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Walenweg 1909600 RonseGround area
702 m²
Building footprint
83 m²
Volume, LiDAR
448 m³
Parcel 45422D0835/00Y000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOLESO
since 20142.236.489.903
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422D0835/00Y000 | Flanders | 702 m² | 1 · 83 m² | 10.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Werkplaats Peeters - Mertens en Huybrechts
BE 0425.940.757
Kasterlee · Eq €323,931
ZANDHOF
BE 0543.415.774
Stabroek · Eq €323,673
PROCO 2000
BE 0464.805.291
Bonheiden · Eq €324,154
ARAR INVEST
BE 0778.257.625
Tongeren-Borgloon · Eq €323,633
K.H.P.A.
BE 0809.310.095
Liedekerke · Eq €324,281
Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 3,832 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-11-2014
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
47120Other non-specialised retail sale
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47770Retail sale of watches and jewellery
47789Other retail sale of new goods
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.